Creating employment opportunities are critical to both driving economic growth and alleviating poverty. But, creating jobs in the agriculture sector, the mainstay of Bangladesh’s economy, is hard. Agriculture is an informal sector, hence has very limited access to public or private sector financial institutions. Again, a large section of the small farmers are also at the mercy of the impact of climate change, which threatens their existing livelihood opportunities. But there is little effort to address this problem; and to help these people, either technologically or financially, to make the shift from fossil fuel to renewable energy. Micro-credit programs, which do not require collateral, have provided that access.