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Microfinance also has potential to be an engine of economic growth, although this prospect has been overshadowed by its image as a tool for alleviating poverty. In Banking on Small Business, Gail Buyske analyzes three themes in economic development: the global growth of microfinance, banking sector development, and Russian entrepreneurship. These three themes intersect at KMB, the Russian Small Business Bank, where Buyske chaired the board of directors for six years. This book is in part an account of KMB's role in initiating great changes through a series of apparently small actions. In reviewing Russian entrepreneurship and banking since the advent of perestroika in the mid-1990s, Buyske stresses that Russian entrepreneurship is more dynamic than usually perceived and that the historic lack of small-business and start-up finance was largely owing to the practices of the Russian banking sector rather than to any failing on the part of Russian entrepreneurs. 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But if United Methodists want to change and be the church we say we want to be, what must we risk and how can we challenge current practices? At the heart of becoming a spiritual movement once again is the requirement that we develop a new understanding of connection as Christians and as United Methodists. We are currently at a time in which United Methodists are reinventing denominational connectionalism. One way of framing the issue is to distinguish between members and disciples, or consumers (those who wait for the institution to care for their needs) and citizens (those who are willing to commit themselves to and be held accountable for the whole of the community). United Methodism has nurtured generations of leaders and congregations that see themselves as consumers of the resources and attention of the denomination. 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