"What makes people so entrepreneurial in Miami is they have no other options," says Luz Gomez, program director of ACCIN USA's local office. ACCIóN, the largest business microlender in the nation, opened a branch in East Little Havana this past April (with a second outpost in Little Haiti) after conducting a survey that estimated Miami has about 77,000 self-employed people, almost 90 percent of whom cannot obtain loans through traditional banks. ACCIN figured that fewer than one percent of these self-starters were being served by local lenders. "People would always say, 'Why aren't you in Miami?'" recalls Gomez. "So w... More >>>