Cheap credit is a luxury. You're ignoring a host of mitigating factors.
If your choice is 850 days of food vs. a TV, and you opt for the TV, you're not poor. (Derived from [1] above.) With over two years of energy literally under your belt, paying off that cheap loan and earning far more, even under adverse conditions, leverages you well outside poverty.
"Poor on paper" is unconvincing, given the opportunity for wise choices.
If your choice is 850 days of food vs. a TV, and you opt for the TV, you're not poor. (Derived from [1] above.) With over two years of energy literally under your belt, paying off that cheap loan and earning far more, even under adverse conditions, leverages you well outside poverty.
"Poor on paper" is unconvincing, given the opportunity for wise choices.