BRAC serves the bottom of the pyramid through various social enterprises and development programs. It targets the "poor" who earn about $2 per day through its microfinance initiatives. BRAC links rural and urban markets to access money flows from the top of the pyramid to subsidize its rural development programs. It understands market segmentation and only provides charity to the "ultra poor" who are too poor for microfinance. BRAC scales its programs through a three step process of becoming effective, efficient, and then expanding operations through training and systems. Efficiency is key to operating sustainably in low-margin markets.