Ultra poor entrepreneurs benefit hugely in Bangladesh, Indonesia and elsewhere through increasingly available commercial micro-credit. However, without a viable business idea the credit can be spent and place poor people in a worse position, now with a loan to repay. A micro-aid grant ($10) to try out a business idea first or to learn a new skill can be the catalyst to a viable business opportunity. Take Hasim in Indonesia - it took him 3 micro-aid grants to try out leather crackers, banana crisps before he finally found a saleable item - woven plastic handbags. $30 well spent. Do you agree?