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" So much research has been done showing that the woman is the most vulnerable but also the biggest strength leading to economic progress. "

Sri Mulyani Indrawati

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" Being able to save, make non-cash payments, send or receive remittances, get credit, or get insurance can be instrumental in raising living standards and helping businesses prosper. It helps people to invest more in education or health care. "

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" People feel they are not participating in the decision-making process. Decisions are exclusive to those at the very top. You have grown up with crony capitalism and it creates ever more resentment. "

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" Infrastructure alone won't end poverty. The World Bank had to learn this lesson, too. While we believed too much in bricks and mortar in our early days, we now understand that bringing together funding, technical expertise, and tested knowledge goes much further. "

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" Do what is best for most people, not just a few. Prevent your elites and growing middle class, those who often benefit most from growth and development, from turning into a special interests group that blocks reforms. "

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" Revolutions and their aftermaths, of course, are always fluid and fickle times, and the outcome is often perched on a knife's edge. "

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" Development is an endurance exercise with incremental improvements. "

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" There's broad recognition that you really have to put the money where people are going to self-manage. "

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" Urbanization has relied on land conversion and land financing, which is causing urban sprawl and, on occasion, ghost towns and waste. "

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" If women had equal access to fertilizer and modern farm machinery, developing countries would produce between 2.5-percent and 4-percent more food. "

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" Asia can learn much from Europe. Trade could be made easier in Asia, and the conditions for doing business could be improved by reducing red tape. In this regard, Hong Kong, Singapore and South Korea have done better than the best in Europe. "

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" Women are emerging as a major force for change. Countries that have invested in girls' education and removed legal barriers that prevent women from achieving their potential are now seeing the benefits. "

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" We won't be able to stop disasters from happening. On the contrary, climate change may increase the frequency and severity of floods, droughts and storms. But we are better equipped today to prepare for them and reduce their impact. "

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" Financial inclusion matters not only because it promotes growth, but because it helps ensure prosperity is widely shared. Access to financial services plays a critical role in lifting people out of poverty, in empowering women, and in helping governments deliver services to their people. "

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" At the World Bank, we are already working with our clients in developing countries to improve their governance systems, collect taxes, fight corruption, and recover stolen assets. "

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" Everyone with all those good intentions came to help Indonesia rebuild from the tsunami; but the co-ordination problem was very big, because they came with their own way of doing business; they came with the inflexibility of their own governance. "

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" Between 1995 and 2009, Western Europe's entrepreneurs created jobs faster than the U.S. did, and European economies exported more than the BRIC countries of Brazil, Russia, India and China. Eastern Europe's productivity increased more rapidly than East Asia's. "

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" Until we know how many women own businesses, we may under-invest in them as entrepreneurs and economic drivers. "

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" When we rebuild a house, we are rebuilding a home. When we recover from disaster, we are rebuilding lives and livelihoods. "

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" Changing much-cherished bank secrecy laws is worth the effort. Corruption, tax evasion, and the capture of natural resource revenues undermine the rule of law, weaken the social fabric, erode citizens' trust in institutions, fuel conflict and insecurity, and hamper job creation. "

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" In middle-income countries, inequality becomes a problem because you can see there is a layer of people who are doing well, while the poor are still stuck there. "

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