@irontoenail - Just like in a marketing or business environment, micro and macro finance for developing nations should both be taken into account if you want to make improvements.
There is a lot of mismanagement in development, with corruption or ignorance gumming up the works so that money doesn't seem to do very much.
The growth of micro financing is definitely a start, like you say, but macro initiatives, tailored to the needs of the group, need to be put into place as well.
I don't think development work should be run like a business... well, maybe I do. But, a business that cares about people.