Terming credit 'a human right', the founder of micro-credit pioneer Grameen Bank in Bangladesh said, "Only one third of the population has access to credit while the rest are not credit worthy for the system. We have left two-thirds of the world poor, disadvantageous and without a starting point."

Supporting his views, RBI Governor YV Reddy said the apex bank would formulate a charter to make credit a human right.

Yunus said the seeds of poverty are not in the people but in the institutions, policies and concepts made by the people.

"Micro-credit is a little tool to help unleash the part of energy which is there in every human being," he said, adding, "Poor people are like bonsai. They have all the capabilities to rise up like big trees but the problem is they are planted in flower pots."

He said Grameen Bank disburses about half a billion dollars annually to 7 million people through 21,000 staff.

"Today 80 per cent of the poor in Bangladesh have access to micro-credit and we will cover 100 per cent poor before 2010," he said.