The Grameen Bank of Bangladesh serves the country's poor by providing them services intended to help them start their own small businesses and improve their socioeconomic conditions. At present, these integrated financial and social-promotional services are benefiting approximately 12 million Bangladeshi men, women and children. The rural bank's microcapitalistic philosophy and practice, its organizational strategy, and the replicability of its experience in other countries are analyzed. It is found that Grameen's philosophy on credit and human development is based on the belief of its founder Muhammad Yunus that every human being has a right to credit and that poverty violates basic human rights. The bank organizes microenterprises by creating an organizational environment in which employees and members clients can communicate in such a way that facilitates joint action for social change.