The report finds that education makes a greater difference for individuals within countries.

该报告发现教育使得各国国内民众有了较大差异。

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This is where she believes analyzing the socio-demographics of people at the bottom of the pyramid make a difference, revealing factors such as education, family size, and occupation as indicators of whether one makes a good borrower or not.

FORBES: Predicting the Path Out of Poverty: Microfinance & Credit Risk Analysis