The man is revolutionising Kollengode, a pocket of poverty in a relatively backward district of Kerala, Palakkad. 'Poverty exists in different shapes and forms,' says Prabhakar, a former English professor who left the cool groves of Washington academia to work among deprived women in Kollengode. His mission: to provide loans to the segment of society that is shut out from the traditional banking system. Poor rural women have no access to loans because the banks insist on collateral.