I'm Burundian in East Africa and there is a saying in my country that "free things make you stupid". NGO had been giving almost free loans to households ( $50 to $100) and some have been addicted to free stuffs and now that most NGOs have left the country, that's when we find out our true poverty : poverty starts in the head. We were stupid.

But naturally, The Pareto principle [1] made that 20% of clever households acquired business minded practices and they're economically independent now. But the rest is still begging and waiting the return of NGOs.

[1] : https://en.wikipedia.org/wiki/Pareto_principle