Small businesses in the US are failing at an alarming rate. Nearly half close their doors by year 5, and 70% fail by year 10. The main reason? They run out of money. Compare that to small businesses in Ecuador and Guatemala that have a nearly 100% loan repayment rate with 85% of borrowers going on to expand their business. What’s the secret to their success? Business strategist Ruchi Shah shares a community-based solution that every small business can learn from.  This week’s program was submitted by Howard Lobb.