Micro-financing is the business-like provision of financial services to the poor, offering loans or deposits far smaller than traditional banks. Microfinanciers can be NGOs, private companies, or state-controlled financial institutions.

Moonlighting refers to working a second job, typically in secret, in addition to one's regular employment.

You are a middle class individual, who is capable at the work that you do. You find that after work, you have sufficient amount of free time at hand.

Colonial determinism refers to the view that postcolonial states are irredeemably influenced by the structures of colonialism, and that these structures are primarily responsible for the economic, political and social contexts these states find themselves in.