If India’s GDP growth rate has to cross 10 per cent, the government will have to create a system that empowers entrepreneurs at the bottom of the economy with considerable capital in their possession. These enterprising risk takers reside in India’s many slums, but predominantly in Mumbai, and are best positioned to implement Peruvian economist Hernando de Soto’s idea – of adding the wealth held by them to the deploy-able stock of fungible capital.