(I was going to put quite a bit about religion in here but figured not, since it isn't a religious forum.... There is still a bit so if you hate religion skip it).
Couldn't read all the posts since some were sounding like some tag lines from speeches.
It is nice that you set such a thing up but in reality I don't see it helping much.
I would expect that the bank requires:
1) The loan to be paid back?
2) Some form of interest?
These two things run the bank, without which the money dries up or eventually will be used up in loans.
Now lets look at a guy who has a family (wife, 7 kids).
He makes $250 a week in pay.
Lets figure that out to $3.97 a person per day.
They are living in reduced rent government housing (which is basically old navy barracks).
Now give the guy a $200 loan, how will he pay it back?
Even at no interest it is just one more debt he can't pay.
Money will never fix the problem.
I guess some will say, "Hey if he is so poor what's he doing having so many kids?".
Well a very interesting fact is that poor people have more kids (and you can't say.... "Yeah, cause of government pays for them". Wrong, in countries where that doesn't happen they still do.
Children are something that are yours and in families in which they aren't just having kids to get money (our American government has encouraged that type of "family", the one usually without a father) your joy and entertainment.
People who say things like, "can't feed them, don't breed them" are so funny.
They believe they understand a problem they haven't the slightest insight into.
Jesus Himself said you will always have the poor (until His Kingdom).
Man will never find this solution just like they can't find the simplest solutions.
I know all about the "genetically engineered" food banner. Won't work.
For one humans have always been able to mess up simple things. Yeah they can get it to grow MORE food, but then they find OOPS, it either won't grow right in locations it used to, or there are problems where it becomes sick, or nutrition is low... Also there is no long term knowledge of eating such things.
Humans are good at saying "Hey! Look waht we have done!" while hiding the problems they made while doing it under a rug.
So my simple answer is,
Not until this world is ruled by God will the problems be solved.
Until then you will keep having the blind lead the blind.
P.S. That guy was my dad. He eventually was able to do very well, but not from someone handing him money. He obeyed God and was blessed.
Laugh, it's ok. It is just proof that this world won't change like I said.