n citizen guide structure to what sort of transformations are needed if sustainability is to be our human lot in any place - do feel free to start microafrica 2 -let's compete to edit which thread links actionable structure to most gravitate collaboration Africa
Yunus & UK PM appeal to www to collaborate around MicroAfrica
ASA Foundation opens New York office to raise funds and select 10 African MFIs for scaling up
Accion opens African MF training hub in Accra, Ghana
FINCA and microenergycredits launch a world first in Uganda
Kenya's Jamii Bora founded by Swede Ingrid Munro - Africa's world favourite MFI?
1.1 Until subprimed Wall Streets last 18 months I would have said that the Gandhianspirit needed for microeconomics and community up entrepreneurship to evolve a win-win-win globalization were best practiced in Bangladesh and parts of India , most needed in the continent of Africa and in brokering a China in which the gap between rich and poor doesn’t become too big to be that nation’s critical weakness. However with Wall Street melted down, community upinvestment decisions now have a once in a generation opportunity to be networked everywhere that local societies have a deeper understanding oaf sustainability crises than national or global planners and system that are governed by 90 day extraction successes.
WHY NOTan idea is emerging that in big cities like New York those who love African nations could come up with a catalogue of national strategies; if we had much stronger microbanking in that nation what would be the comparative community advantage to create jobs, health and wealth WHY: first- we now know people who love Africa can't do worse than the usual suspects (world banks , investment banks et al); and while old big powers are on the run this is the time to dialog transparently : could this nation make wonderful progress around this? or are that nation’s people just waiting to be mobile networked round these resources or community competences?
1.1a Society is in the experience of my family’s 2 generations of questioning how health societies sustain strong economics (not vice versa) both the biggest inverstor and the longest investor of all. The myth that eg owners of corporations are the only ones who know markets or innovation is dismal. It's not what 310 years of Scottish economic frameworks were intended to map by Adam Smith and others. This was journey that began around 1700 when (like Iceland today) Scotland was bankrupted by an overseas bobble and in effect became the first colony of England. You can see how the colonial conflict dynamic played out in 2 interesting ways- within one and half centuries most Scots had emigrated to be an early worldwide networked nation. One Scot felt compelled in 1843 to come down to London, throw out over 90% of MPS sponsored by corn lords instead of the people, and to use media The Economist) and his tool for questioning what industry’s sectors compound futures were good for societies and the lifetimes of people who lived in those places
1.2 My father and I have argued for quarter a century that human sustainability as one generation networks globalization will depend on mapping grounded contexts locally – we anticipated in 1984 that at least 30000 replicable community rising projects would need to be celebrated on a worldwide reality tv program.
Examples of Africa's Mobile End-Poverty
Niger grain markets
Kenya Jamii Bora microbanking
Uganda- Carbon Credit Community Accounting
1.3 Integrating the best of media systems rather than the worst
could generate enough awareness among 7 billion people to select what their places needed and enough iterative connection between mass media and intent to make sure that community analogues were benchmarked as the choices between 30000 solutions were made in such key domains of society as healthcare, education, clean water food energy, banking that invests in the entrepreneur inside a person as well as community rising exponentially not the reverse global system where compound risk in eg wall street crashes down on innocent but digitally disconnected communities often in another hemisphere from where the compound errors of maths , judgment or fraud started.
1.4 My piece in this jigsaw during the 80s in a small French-Global company was to collect the first million hour database of what societies need in 30 countries (but I should declare our clients did not take us to the Africa continent). In the 90s I developed the original methods for questioning whether large corporate branded purposes were responsibly in harmony or unsustainably compound conflict with society’s purposes. We found from these action learning workshops inside corporations that global accounting and other big professions measurements and laws were compounding inconvenient truths. They were intended to devalue humanity’s wish to be sustainable but this was happening due to a globalization system error - externalization and laws that a business was not responsible across its boundaries.
1.5 So this guide argues that I personally have little on the ground contact with who is doing what in Africa. I try and ask everyone who has a passionate (life-mission) view and double check answers – ie not believing that something is definitely sustaining better local futures until I have heard it from at least 2 different sources- and where possible I ask to see how these sources monitor data to check whether they map sustainability exponentials in ways similar to the maths that I believe in. The network with maths that is 100% correct for microeconomics views of what sustains the communities and entrepreneurial joy is the Bangladeshi one and the transparency of its 34 year mapping of social business (systems) in particular
2 Whither Africa. 2.1 Here are the contents I suggest. Introductins to some people whose intents I understand and who either collect data or host conversations on what societies need in Africa. 2.s benchmark cases across Africa on 2.2 banking 2.3 education 2.4 clean water, food energy, 2.5 healthcare, 2.6 media, peoples summits and metrics aimed at empowering more transparent leaders. What I most need for you if you are an Africa lover has 3 main directions I can think of. If this structure suits you add on information below. If you host your own structural review somewhere else tell us where that is. I live 9for family reasons not through chose) in one of the world’s macro centers Washington DC. I actually know less people in this region who I feel are coming from Micro Perspectives than any of 20 other cities that I collaborate with sustainability workers in. If you know of anyone working at ashoka, or microcredit summit or grameen foundation to mention but 3 micro up systems with bases in DC or the world bank to mention one macro one, or any other please do feel free to introduce them to me so we can go have a coffee and map what we don’t know until we have interfaced our ;life experiences. This is a great time for cheerleading micro Africa as these videos among others show
2.1 Examples of Personal acquaintances in NW hemisphere cities with deep resources:
NY data Peter Burgess : tr-ac-net.org
NY wish to apply micro credit funds to Africa- Rachel asa
London – operator of microcredit in Malawi and worldwide schools practitioners of microcredit – peter Ryan
Barcelona virtual community – Zahid
NY African conflict dialogue hosting in capitals’ most conflicted city Spencer
London Occasional London Africa events – Tony tomorrows company –see file
London – relationships on whose doing what in Grameen with particular focus on how to match interns and those wishing to transfer Bangladshi knowhow to wherever in the world matters most socially or communally to them
More coming soon
progress of microafricaYunus and UK PM appeal to www to connect MicroAfrica
ASA Intl launches out of NY - goal collect funds to scale up 10 African MFI
Accion launches Africa Training Hub in Accra Ghana
Finca and microenergycredits launch world first in Uganda
ons prioritsed for sustainability but if we could work out how to learn from mit I would be interested in some small sponsorhips of work on that
chris--- On Mon, 30/8/10, Lars Hasselblad Torres =
From: Lars Hasselblad TorresSubject: [IDEAS INFO] News | MIT150 Launch & Updates :: August 30, 2010To: "ideas-info@Date: Monday, 30 August, 2010, 18:03The MIT150 has launched! Check out their activities for the year ahead as the Institute celebrates 150 years of service to the world – we’re proud to be a part of it: http://mit150.mit.edu[Please note: Beginning September 1, 2010 you will receive IDEAS updates via a single IDEAS & Global Challenge News & Updates list, email@example.com]---1 - Welcome Kate Mytty!-----Please flood newly seated IDEAS and Global Challenge Coordinator Kate Mytty with good wishes in the year ahead – its going to be exciting! Read Kate’s intro here: http://mitpsc.mit.edu/globalchallenge/?p=4392 – IDEAS & Global Challenge MIT Alumni Video Pitch Contest-----28 hours left to pack your passion, creativity and voice into a 2-minute video! MIT students and collaborators are invited to enter 2-minute videos pitching your world changing project, and how the MIT IDEAS Competition and Global Challenge advance “invention as public service.” Best video wins $1500 and a feature in our launch campaign. Deadline is September 1, 2010. More information here: http://beta-globalchallenge.mit.edu/news/view/423 – IDEAS & Global Challenge Volunteers Needed-----Are you an experienced entrepreneur? Do you have expertise in a particular part of the world? Do you have deep technical insight in a specialized field? If you answered yes to one or more of these questions, and have excellent communication skills, and are keen to support student invention as public service, we’d love to discuss volunteer opportunities at the Global Challenge. Please email us at firstname.lastname@example.org - Have You Helped in Pakistan?-----The Global Poverty Initiative shares that a lot of people in Pakistan are in trouble because of flooding. A fifth of the country has been under water and at least a million people now have no homes. Many more have lost their livelihoods. The country has also lost about 4% of its total arable land (agriculture comprises 20% of Pakistan's GDP). They’ve shared some ways to help:- text the word SWAT to 50555 to donate $10 to UNHCR- visit http://tinyurl.com/2w6zkko to donate to Direct Relief International- assist UNICEF or Islamic Relief http://www.google.com/crisisresponse/pak=istan_floods.html- assist USAID http://www.usaid.gov/pakistanflooding/- spread the wordOmar (email@example.com ), a PhD student and civil servant is in Pakistan right now so consider emailing him if you have questions that are not answered by the links above.5 - Grand Challenges in Global Health Grants-----The Bill & Melinda Gates Foundation is now accepting grant proposals for Round 6 of Grand Challenges Explorations, an initiative to encourage innovative and unconventional global health solutions. Applicants can be at any experience level, in any discipline, and from any organization, including colleges and universities, government laboratories, research institutions, non-profit organizations and for profit companies. Grant proposals are being accepted online until November 2, 2010.Learn more at: http://www.grandchallenges.org/Explorations/Pages/Introduction.aspx6 – Team eggEnergy Expands operations in Tanzania-----IDEAS09 winners eggEnergy are continuing their work to bring clean, affordable, house-hold level energy to communities in Tanzania through their innovative battery installation and leasing service. Read a profile at: http://mitpsc.mit.edu/globalchallenge/?p=480Interested in having your work spolighted as we prepare to launch the Global Challenge? Please reach out to Kate Mytty, IDEAS and Global Challenge Coordinator at firstname.lastname@example.org – Fair Trade Futures Conference w/MIT FAC-----September 10-12, MIT Food and Agriculture Collaborative will bring together farmers, artisans, entrepreneurs, advocates, students, faith community members, interested individuals, and others in Boston, MA for the largest Fair Trade event in North American history! Visit http://beta-globalchallenge.mit.edu/events/view/62/ to learn more.8 – A Better World By Design Conference-----A Better World by Design creates connections to make our world a better place. On October 1-3, over 500 guests from around the world will convene to discuss innovative approaches to global issues. Learn more at: http://beta-globalchallenge.mit.edu/events/view/619 – 2010 IDEAS Winner Komera Launches New Website-----Keep up to date with the latest news and information about Komera by subscribing to their blog feed or visit their site at: http://web.mit.edu/komeraDo you have a website for your IDEAS project that you’d like promoted? Update your team profile at http://beta-globalchallenge.mit.edu/teams/winners10 – Mark Your Calendars: IDEAS2011 and Global Challenge Fall Generator-----The MIT IDEAS Competition and Global Challenge will kick off the 2010-2011 year with a fall mixer on Wednesday, October 13 in Morss Hall (Walker Memorial). Got an interesting project idea to pitch? Not sure about a project, but have skills and talents to contribute? Please join us from 7:30-9:30 for an interactive evening of pitches and discussions intended to help students and collaborators connect around shared interests in innovation, entrepreneurship, and public service. Questions? Email email@example.com – 2010-2011 Yunus Challenge Kick-off-----The 2010-2011 Muhammad Yunus Challenge to Alleviate Poverty will support innovations in agriculture, including production and processing innovations. The challenge, which focuses on challenges faced by the world’s lowest income earners, will kick of the year with a mixer in the Stata Center R&D Lounge on October 21, from 7:00-9:00pm. For more information visit: http://beta-globalchallenge.mit.edu/events/view/64 12 – MIT Conference on Systems Thinking for Contemporary Challenges-----MIT's annual systems thinking conference, sponsored by the System Design and Management Program, will showcase new ways of thinking, working, and leading required to address complex challenges. Focused on energy, sustainability, health care, and service systems, this two-day conference is designed to provide practical information on how to use systems thinking to integrate technology, management, and social sciences to achieve success. Learn more at: http://beta-globalchallenge.mit.edu/events/view/6313 – 9th Annual International Development Fair-----The 9th International Development Fair, hosted by the International Development Network at MIT, will host its annual showcase of international development opportunities across the Institute on Friday, September 19 from 1:00-3:00pm in Lobby 13. For more information visit: http://beta-globalchallenge.mit.edu/events/view/65-- MIT Global Challengering | 617-324-5176 twitter | mitchallengeFollow along at our blog:http://mitpsc.mit.edu/globalchallengeSign up:http://globalchallenge.mit.edu-- MIT Global Challengering | 617-324-5176 twitter | mitchallengeFollow along at our blog:http://mitpsc.mit.edu/globalchallengeSign up:http://globalchallenge.mit.edu
n the education revolution needed if 2010s is to be youths most productive decade
Elders for Youth (hosted by branson, inspired by mandela and gandhi)
JICA www development of youth
Nippon Green Agriculture
InteractionGames & reality media eg Dragons Den
Ashden Green Jobs
BBC Patten World Service Jobs & Celebrating Partnerships with China
HubWestminster.net -space for Entrepreneurial Revolution Action Debates beyond what Parliament or Beeb can host
Sir Fazle Abed
Impacts of Iqbal Quadir
Home of interface's any industry can design partnership network with a half-generation plan led to make going zero carbon/waste the most profitable investment ever made
Carter the last US parnet to dare sustainability strategy
Wholeplanetfoundation and conscious capitalism alumni
.Oregon & West Coast
West Coast origin of youth1000 jobs brainstorm
Open source journal content pro-youth economics edited By scholars of A.Smith
Origin of the colege for ending nurseless villages
Monica Yunus superstars in community
Dragons Den= Social Shark Tank
Free The Children
why we sequenced way we did with apologies to places currently shown at national or state level due to our lack of more detailed information
middle column- The Economist's Unacknowledge Ginat was best loved in Tokyo where The Emperor honored Norman Macrae with the higest award for an international economist and systems mediator; london was where norman worked helping to convene over 1000 luncheons where world eladers could drop in and brainstorm entrepreneurial revolution off the record; 1976-2075 need to be Asia Pacific worldwide century with China having more lives to raise productively than anywherhelped by Japan's expereince in multi-win world trade system designs ; new zealand educators took most seriously note of norman's 1984 book on how to empower youth of the net generation to co-create 3 billion jobs (green*deep communit*tech' with million times more collaboration capacity), and linked in 10 million chinese families to earliest explorations; Lucknow benefits from the world's favourite schooling system designe by a family of 4 and currently growing up 40000 children a year in the world citizen values of Gamdhi and the practical knowhow sharing of Montessori; Glasgow and Isle of Arran are where Macraes most enjoy planting entrepreneurial media labs including the journals of new economics open content being edited by adam smith scholars; Sweden was the last nation in 1993 to commision its own customised report from Norman on how the future of its net generation economy could have the best expoenetial impacts worldwide; Poland was the last country to engage Norman's advice in redesigning its valuation of systems from communism to capitalism; Brazil was where Norman's father had his first and last assignments as a British consul; Burma and Dhaka are where Norman spent his last days as a teenager navigating RAG planes out of world war 2; Cambridge is where Norman was one of the last alumi tutored by Keynes in the hippocratic oath needed given Genral Theory had shown that only economics rules the world (system designs); fir its first years Norman was the EU's extrenal adviser on the economics and media of markets designed to free peace sans frontieres
This phenomenon is soon to be celebrated as a major pop song album of The Green Children. Unlike The New Seekers in the 1970s who could only dream of teaching the world to sing in perfect harmony, you can hear me now is also a specific strategy of using internet/mobiles for the poor
Here is a post humanitarian award interview :
Yunus : The microcredit franchise which took 7 years in bangladesh from 1976 to develop from concept to bank -We called Grameen Bank, or “village bank.”
It expanded. Now it’s nationwide, with 7.5 million borrowers. About 97 percent make their payments. The borrowers own the bank. The bank makes a profit and it goes back to the owners. There is no collateral. No lawyers. Nothing. It’s a very different kind of banking. It has spread all over the world. There are 130 million people globally who have been reached with micro credit. There are billions more who need it.
VB: In the age of the Internet, technology can make it spread even farther.
MY: Technology can do miracles. Take the case of a cell phone. The power of a cell phone alone. It can revolutionize the whole banking system, the credit system, healthcare. It can bring marketing for products, payment systems, transfer of funds. All kinds of things. This is such a powerful little gadget. It can become more and more powerful. We are just scratching the service. We are opening the flood gates.
VB: Social entrepreneurship has been very popular in Silicon Valley. I wonder what you think of venture capitalists coming into the social realm?
MY: The issue I have been raising is social business. Social entrepreneurship is much wider terminology. That’s even beyond financial. On the financial side, it could be non-governmental organization activity. It’s important for people to express themselves in a creative way. But what I’m suggesting is a different thing. To create a new concept of business. I call it social business because it is business. It is a cause-driven business, and that’s why it’s social. It’s a non-loss, non-dividend company. It’s a company, but the owners don’t take any profit out of it for their own benefit. They can take back their investment money — nothing more than that. The entire reason for creating it is to solve a social problem. If you add this into the mix, then we will have two types of business in the market. Each is based on a certain aspect of human life. Profit-making businesses are the only ones that exist now. It’s based on the selfishness of people. Everybody wants to have things come to them via business. The second one I am proposing doesn’t exist now. It’s a social business where others benefit. Nothing for me. My purpose in creating it is to make a difference in the world. Once we have these two types of businesses in the market, then all of the excesses of profit-making business can be contained. Like the present financial crisis. Everybody has said it is because of an excess of greed, to the extent the market is turning into a gambling casino. Those can be balanced by the social businesses. Social business can address all of the problems that are never addressed by the profit-making businesses: healthcare for poor people, poverty, diseases, housing for the poor, slums, street children, environmental degradations. We are so busy making money we don’t have time to pay attention.
VB: So social business is a hybrid of philanthropy and capitalism?
MY: Philanthropy is different. That is giving money away for a cause. Social business is not giving it away. I take it back. I create a business to solve a social problem. Business means it recycles. Philanthropic money has only one life. Social business money has an endless life. You can transform your objective into a social business purpose and use the same money. You get much more in return. You create an institution. You create a company. The problems that are not touched by profit-making businesses are relegated to the government in socialism. If there is a slum, government should take care of it. Now we say, we can handle that too.
VB: Is this just the beginning?
MY: I’m sure it’s a beginning. This is only one direction. They may add more pieces and have many more kinds of things that are happening.
VB: Do you think the micro credit model thrives during economic turmoil?
MY: Don’t you think that it will be much more important during the turmoil? People will be losing jobs. They will need to create their own jobs rather than sit and wait for welfare to come. They can get loans and do the jobs themselves. They don’t have to work for someone else.
VB: What do you think about the awareness of micro credit?
MY: It is much much wider now. It’s a global phenomenon. The Nobel Peace Prize has drawn a lot of attention.
People are wondering what is it and what [I did]. It made it visible. The Nobel Prize puts you in the floodlights of the world and gives you credibility.
Microsummits that rock the world
00:31 From: socialbusiness
Mobile Planet's Center of Entrepreneurial Revolution?
01:33 From: cmacrae
The Collaboration Cafe
08:29 From: marriah1976
Who Creates 60% of Jobs Worldwide?
04:26 From: socialbusiness
nterpersonal connectivity - the-hub is one of the netizen world's best dynamics for open source entrepreneurship to have grown in 7 year period; the hubs have become one of the places that people like muhammad yunus and hans reitz like being at in eastern europe, it is possible for someone like yunus to teleconference his social actions out of any hub to all hubs, and they are a space that everyone who collboratively assembles round yunus out of scotland would like to mutually support (hopefully similar remark can go for 50000 job-creating microentrepreneur youth in paris linked through CP11 www.danonecommunities.com )
Early wave of hub future capitals includes london joburg madrid bay area mumbai stockholm ...
example Bay re hub network includes:
Aaron Schwartz, Refill Revolution Adam Arthur Bier, Bier Legal Alan Wells, Haku Wale Alana Lea, Rainforest Eco Alex Sasayama, NeighborWorks America Alexa Gregory, Collective Invention Inc. Alexandra Bernadotte, CollegeSUCCESS Amanda MacLean, Imagine The Power Amanda West, Amanda’s Restaurant Amira Diamond, Women’s Earth Alliance Amy Barr, A2B Strategy Amy Wilson, Ashoka’s Youth Venture SF Bay Area Andree Sosler, Darfur Stoves Project Annie Burke, Snapshots Consulting Anthony Radspieler, Lawrence Berkeley National Laboratory April Newman, West Coast Village Capital Ben Rattray, Change.org Betsy Burroughs, FocusCatalyst Betsy Crouch, Luminosity Bill Washburn, Berkeley Mobile
International Collaborative Bonny Meyer, Meyer Family Enterprises Brad Michaels, SociaLab Brad Presner, Acumen Fund Brett Beach, Mad_casse Britt Bravo, Big Vision Consulting Caelan Urquhart, UoP Global Center for Social Entrepreneurs Casey Wilson, Wokai Chelsa Bocci, Kiva China Brotsky, Tides Chris Roberts, Trade Expressions Christine Lee, Skorman Productions Christine Sculati, Christine Sculati Consulting Chuck Soper, Vela Design Group Clark Kellogg, Collective Invention Inc. Claudia Welss, NextNow CSR Wire Cynthia La Grou, Compathos Foundation Dana Harvey, Mandela MarketPlace Daniel Heath, Giant Rabbit David Adams, CauseShare David Hodgson, ideahive.com Dayle Smith, University of San Francisco
Deb Parsons, Investors’ Circle Deborah Cullinan, Intersection for the Arts Deborah Hirsh, B Lab Doug Vanisky, DVisMe Douglass Dixon, Already Working Eddy Hueso, Sarkey Technology Edouard Rollet, Alter Eco Elizabeth Doty, WorkLore Emily Eisenhart, Handful of Salt Erika Gregory, Collective Invention Inc Gary Malkin, Wisdom of the World, Inc. Geoff Schwarten, Substance Integrated Marketing George Scharffenberger, UC Berkeley Greg Steltenpohl, Adina Guayaki Heng Ou, Turiya Importers Ian Scanlan, Turiya Importers Icestone Jailan Adly, Rising Sun Energy Janelle Orsi, Law Office Jason Barbose, Better World Group Jason Young, Zindagi, LLC Jay Parkhill, Virtual Law Partners Jeff Perlstein, Grantmakers in Film &
Electronic Media Jeffrey Wescott, Munificent LLC Jen Boyton, Triple Pundit Jennifer Biringer, Sustainability Jennifer Nice, Good Capital Jennifer Pahlka, Code for America Jennine Cohen, Active Travel Consulting Jenny Kassan, Katovich Law Group Jim Fruchterman, Benetech Jim Ware, Work Design Collaborative Jocelyn Wyatt, IDEO Jody Turner, Culture of Future John Kelly, Interactive Scenarios Jonathan Harrison, Rubicon National Jose Rivera, Level Playing Field Institute Joy Mackay, MacKay Creative Web Solutions Jules Kragen, Food Forward Julie Holaday, Place Partners Juliet Lamont, Creekcats Environmental Partners Kari Saratovsky, The Case Foundation Karyn Barsa, Coyuchi Katie Drasser, Criterion Ventures
Katy Cryer, Square One Yoga Kaytea Petro, Neighborhood Fruit Keith Agoada, Sky Vegetables Kelli Peterson, Cheskin Consulting Kevin Braithwaite, RootSpace Kevin Casey, New Avenue Kevin Jones, Good Capital Kevin Starr, Mulago Foundation Kevin Sweeney, Transforming Business Kristin Hull, North Oakland Community Charter School Kristine Maltrud, ArtSpark Laura Peck, Claros Group Lauren Augusta, MESA Program Lili Stiefel, Stiefel Family Foundation Linda Jenkinson, WOW Linda Sills, Global Issues Network Lloyd Nimetz, Blitz Bazaar Lorna Lambert, Coyuchi Maggie Vashel, Localicious Marc Dangeard, Entrepreneur Commons Marie Beichert, granthelper.com Marisr Lamagna, East Bay Green Tours Mark Batson
Baril, Riverstone Resolutions, LLC Matt Bauer, Better World Telecom Matt Flannery, Kiva Matt Werner, Global Micro-Clinic Project Megan Amaral, Besider Melanie Cheng, Farms Reach Michael Moss, globescan Michael Straus, Straus Communications Michel Gelobter, Cooler, Inc. Mike Del Ponte, Sparkseed Mike Liquori, TerraNovus Training Nancy Roberts, The Idea Hive Natalia Castaneda, Leadership Learning Community Nathaniel Whittemore, Assetmap Ned Schaub, Mission Wise Nicole-Anne Boyer, Adaptive Edge Nikki Pava, EcoTuesday Otto Williams, Otto Williams LLC Patrice O’Neill, The Working Group/Not In Our Town Patrick Gleeson, Meyer Family Enterprises Penelope Douglas, Pacific Community Ventures
Pete Davies, Terrapass Pi Wen Looi, Novacrea Research Consulting Plyboo Premal Shah, Kiva Rafael Eugenio, ItsLikeCash Rahmin Sarabi, Unclasses.org Raines Cohen, Cohousing Coach Regina Connell, Saltcellar Productions Rick Moss, Sun Microsystems Rick Randel, Katovich Law Group Rose Penelope Yee, Cathedral Financial Group, Inc. Ryan Mickle, Companiesandme Sabrina Klein, Creative Education Consulting Santiago Halty, Senda Sara Olsen, SVT Group Sarah Alvarez, Ideamrkt Scott Smith, Hanson Bridgett Sean Foote, Labrador Ventures Sean Kline, Reach Global Sharon Hay Mueller, Spa Dog Botanicals Stacie Shepp, Earthsite Stephen Lee, AIDG Steven Chin, Native Treks Sundeep Ahuja, The Extraordinaries Susan Hollingshead, B Lab Susan Mernit, Oakland Local Talis Apud, Feel Good World Teresa Kong, janga Terry Mandel, TerryMandel.com Terry Patten, Softlanding Enterprises, LLC Tiffany Picard, T Picard Consulting Tim Freundlich, Calvert Foundation Transfair Valerie Casey, Designers Accord Vinny Lingham, Yola Vladislav Davidson, Common Circle Education Wes Selke, Good Capital Zachary Berke, Exygy Web Applications New_Hub_Bay_Area_Brochure.pdf
entrepreneur is the keyword my dad (family foundation : norman macrae 1 2) branded his investigative journalism during 40 years at The Economist, as he optimistically quipped: since the french for "between take" refers to cutting off royalty's heads to transfer assets they were monoplosing back to the liberte egalite fraterinte - and so productivity of peoples - its the one word that "the disgraceful political chicanery of macroeconomists - our 1984 futures book was on how to prevent global being run by such power freaks) can never obscure the original meaning of without making ever bigger fools of themselvesl
with President Obama taking personal interest in branding entrepreneur (so youth can trade peace and vital needs solutions across 60 countries) as seen by the inaugural annual presidential summit of entrepreneurship spring 2010, founders of Hub like Jonatham Robinson and HIve like paris-based Charlotte Hochmann are being involved in White House action-tanks (yunus speak for going beyond think tanks in our netgen search to multiply goodwill and end poverty sans frontieres) …
h & BASF &BerlinFreeU
CISB (CSUCI) &CreditAgricole& Colombia SB Zones
Universities for Sustainability; Media, Global Brand Marketing Sustainability
Social Business – sustainability world’s greatest inventions
Health for Poor
Health Management Centres
Mosquito N et
Tech for Humanity
Wealth opportunities for Poor – banks, centre-markets, knitwear, employment agencies, vocational grants, schools
Bangla rural womens bank –grameen.com
Bangla village youth investments –grameen shikkha
GrameenTrust.org International replications
& Glasgow CalU
Energy for Humanity –Shakti – solar electricity, biogas utility, biogas ovens
HEC (paris) &
Queen Sofia (Spain)
Intel & Islamic Dec Bank
Prince Albert –Monaco Fund
Nobel & Nike Foundation (Grameen Nurse Institute)
Microcredit & Microcreditsummit.org & microenergycredits.com
Jamii Bora & Jameel
tell us you fav link to this map ...…
mmunities Where Whole Foods Market® Sources Products
Seattle, WA and Austin, TX (December 4, 2008) — Unitus, Inc., an international nonprofit organization dedicated to reducing global poverty by accelerating access to microfinance, and Whole Planet Foundation, a Whole Foods Market foundation that funds microlending projects in communities where the Company sources products, today announced plans to fuel the growth of microfinance in the coffee-growing regions of Kenya. The partnership will leverage the foundation’s support to help Jamii Bora Trust, one of Kenya’s fastest growing microfinance institutions and a Unitus partner since 2003, expand into the rural coffee-growing regions of Central and Eastern provinces in Kenya. This project marks Whole Planet Foundation’s first entry into Africa and Unitus’s initial expansion into East Africa. Whole Planet Foundation microlending funds are not directed to Whole Foods Market suppliers, but rather to the poorest of the poor in the communities where these suppliers live and work.
With this combined support, Jamii Bora Trust will extend its reach into small farming communities through the latest mobile technology and develop new microfinance products specifically designed for rural farmers. Using existing telephone infrastructure, Jamii Bora Trust puts handheld POS (point of sale) devices in its branches throughout Kenya, allowing the institution to register new members on-site, immediately provide members with debit cards, and track banking transactions in real time. Through the use of this technology Jamii Bora Trust will increase its reach into rural coffee communities with financial tools coffee farmers need to support their businesses.
More than 25 million small-scale family coffee farmers around the world are dependent on their crop for survival. Kenya is the 17th largest producer of coffee in the world and an estimated six million people are employed in coffee growing and production industries. Without access to credit and other financial resources to stabilize income throughout a crop cycle, coffee farmers historically find themselves facing obstacles like the fluctuating global commodities market, climate change, political trends, and widespread rural poverty. With the support of Whole Planet Foundation and Unitus, Jamii Bora Trust will be able to provide life-changing financial services to nearly 80,000 microentrepreneurs and their families and intends to double its reach in the region by 2010.
“We are thrilled to partner with an organization that not only has a proven commitment to operating its business in a socially responsible manner, but is deeply committed to fighting poverty and increasing the impact of microfinance for millions of working poor,” said Ed Bland, President of Unitus. “By working together, Whole Planet Foundation, Unitus and Jamii Bora Trust can help spur the development of innovation in the field and ensure the power of microfinance reaches those who need it most.”
More than 2.5 billion people—nearly half the world’s population—live on less than two dollars a day, yet only 133 million people currently have access to microfinance services. Using a highly leveraged, impact-driven model, Unitus partners with high-potential microfinance institutions around the globe to connect them to the growth capital and innovative business tools they need to grow rapidly, strengthen their businesses, and reach those in need.
Fueled by the business acumen, innovation, and excellence of some of the brightest social entrepreneurs in the world, the Unitus network of microfinance partners aims to rapidly close the “poverty gap” and is currently providing access to financial services including microcredit loans, savings, and insurance products to more than six million of the world’s working poor. By partnering with Whole Foods Market and Whole Planet Foundation, Unitus will be able to support partners such as Jamii Bora Trust to expand, ensuring the poor have access to opportunities to build stronger families, better lives, and a brighter future.
“At Whole Planet Foundation, we believe in the power and creativity of the entrepreneurial spirit. Microfinance is a tangible and powerful way of supporting and fueling that spirit. By increasing people’s access to credit and other financial services, we can begin to foster wealth and prosperity in the emerging economies that need it most,” said Philip Sansone, President and Executive Director of Whole Planet Foundation. “Unitus was an obvious partner to help us expand microfinance in the communities that we support. As a ‘microfinance accelerator’ with experience on the ground in nine countries around the globe, Unitus has an approach that is high-powered, innovative, entrepreneurial, focused and smart. We are thrilled to partner with such a dedicated group of people to make a big difference.”
Whole Foods Market shoppers will have the opportunity to empower the poor through microcredit by donating at the registers at all U.S.-based stores during the Whole Planet Foundation Prosperity Campaign that runs from February 18 through March 31, 2009. One hundred percent of contributions will go to microlending projects in Africa, Asia, Latin America and the United States. For more information, please visit www.wholeplanetfoundation.org.
Unitus, an international nonprofit organization, works to reduce global poverty by increasing access to life-changing microfinance services. We seek out and partner with young, high-potential microfinance institutions (MFIs), helping them build capacity, attract capital, and achieve exponential growth. Through this leveraged approach, Unitus seeks to empower millions of the world’s working poor while transforming the financial systems now left out of their reach.
The Unitus portfolio currently reaches more than 6 million families through 23 partners in India and Southeast Asia, East Africa, Mexico, and South America. Our goal is to reach more than 15 million of the world’s working poor by 2010.
Unitus has been featured in the New York Times, the Wall Street Journal, PBS, and National Public Radio. We received Fast Company magazine’s Social Capitalist award for 2006, 2007, and 2008, and were awarded the prestigious 4-star rating for sound fiscal management from Charity Navigator in 2007 and 2008. Unitus is a 501(c)3 with offices in Seattle, Washington and Bangalore, India. For more information, please visit www.unitus.com.
About Jamii Bora Trust
Jamii Bora Trust is a microlending organization which seeks to assist its members in getting out of poverty and building better lives for themselves and their families. Headquartered in Nairobi, Kenya, Jamii Bora Trust operates more than 100 branches across the country to reach its members with financial and social products and services. At the core of Jamii Bora Trust is a fundamental belief that any family, however poor or hopeless, is capable of getting itself out of poverty. Jamii Bora Trust takes a uniquely comprehensive approach to helping strengthen and utilize all the skills, determination, and hard work of the people of Kenya to build a better nation through better families. Jamii Bora Trust is one of the fastest growing microfinance institutions in Kenya and plans to reach a half million people by the end of 2009. For more information, please visit www.jamiibora.org.
About Whole Planet Foundation™
The mission of Whole Planet Foundation is to create economic partnerships through microcredit with the poor in communities that supply Whole Foods Market stores with products, with a focus on the developing world. Microlending funds are not directed to Whole Foods Market suppliers, but rather to the poorest of the poor in the communities where these suppliers live and work. In 2006, Whole Planet Foundation began operations with a multi-country partnership with Nobel Laureate Muhammad Yunus, a pioneer of microcredit, and Grameen Trust. Since then, Whole Planet Foundation has directed $4.5 million to microlending projects supporting more than 22,500 impoverished individuals in Costa Rica, East Timor, Ethiopia, Guatemala, Honduras, India, Indonesia, Kenya, Nepal, Nicaragua and the United States. Whole Planet Foundation follows a multi-stakeholder model in its outreach, operations and financing. Whole Planet Foundation partners include microfinance institutions, leveraging partners and Whole Foods Market team members, customers and vendors. For more information, please visit www.wholeplanetfoundation.org.…
April 2010: We know that without enforceable, common sense rules to check abuse and protect families, markets are not truly free - rsvp firstname.lastname@example.org with other references in obama's journey to bend the curve of command and control superpowred systems to people empowering economics whoch teh 1776 declrtion ofI celebrated eg 1 2 3
opposite way round PRECEPTS of trillion dollar audit
true & fair auditing needs to be publicly published for trillion dollar global markets just as much as reports of individual organisational systems that play in that market
Time is Now for yuNus 2010s worldwide open plan; everywhere that networks invites youth to announce the most inspining sustainbility goals to unte race for 2020 ; why shouldnt peoples lives be spent on producing solutions to life critical needs and not just those who use wall street as a casino with a gambler's kitty that's too big to fail; countries that follow the wall street model are being led in the least economical way possible;
historically countries where biggest organisations are celebrated for improving the human lot develop strong economies; yet in a networked connected world "death of distance" means that communities of the human race are everywhere likely to be crashed into by the biggest non-economical country- pardoxically this means that every social business entrepreneur may need to help the peoples of the USA before the USA can enjoy joining in 2010s human race to end poverty
there is missing systems curriculum from 5th grade up without which humanity cannot survive getting ever more locally and globally interconnected; one insight from this curriculum is that there is a common market molecule of value multipliction whether your communal or other leadership responsibility is for a start up entrepreneurial concept or the transparency of a global marketplace;
NO HIDDEN AGENDAS OF LEADERSHIP
this molecule shows everyone simultaneously how to connects productive and demanding realtionship coordinates round truth of purpsoe ( lower down this thread we will start to intriduce this molecule);
in search of the most pursposefully designed organsitions
is a different from the Mckinsey MBA mindset " In search of excellence"; excellence makes generalisations that blind people to context-rich solutions and over time reward the bureaucrat not the grounded theory of the continuing expermenter in what people next need
CALL TO PARENTS AS TRUEST SUSTAINABILITY INVESTORS
right now in asking what globalisation do you want earth to spin round your chldren and their children. those who studied maths to the stage of calculus need to reflect how integration is micro up process; this explains why people have no wy of controling global other than mapping the most local of details; for those who didnt get as far as calculus dont worry you can help the world return to sustainability with trillion dollra audit if you know the difference between multiplication and ddition - astonmishingly most global professions rule solely with additive metrics; they do this because they prefer to look perfect in ruling over separate boxes than admit that the boundary conection between the boxes is where most of the opportinies and threats of networking worldwide multiply
other micro up and collaborative interfcing prpocesses include nature and of course the scientifically famous double loop system design of human dna itself; it was bevause of this design that turing proved that humans can always be smarter than computers if they choose to map such a future world; moreover the father of modern dy computing ws keen to vlue open source bove ll other modlities; nd to stress tht nobody should become too expert in computers without minding an equal attention to above zero sum business and social models of value exchange
a market isn't free (the way that scots and other entrepreneurs nd microeconomists since adam smith defined goodwill's whole truth system dynamics) unless it compounds futures humans most want -for example any market that is not designed everyweher it impcts direvtly nd indirectly to invest communally in youth and future generations is collapsing the fundamentl dna the humn race has been built round ; Einstein first announced that this problem would be the defining chlenge of our generation (as the first to go networked) in the 1930s after closely working with Gandhi and his challenge of innovating beyond the top down power of Englsh Empire's professional classes -those whose slvery nd other processes- took what begn as the one of teh 5 healtheist and wealthiest regions and accidenrtlly mstered centiry of dminstratio of it into rural poverty with a few rich capital centres mostly serving englisg interests…
tive cashflow should automatically be sucked out by colonizers from the world’ biggest cities. How about reinvesting all the profit in making the organization better at networking (replicating the purpose of ) its life critical service?. And to ensure that happens, why not put ownership in lifelong trust of the poorest or those in most desperate need of the purpose being compounded. That way microeconomics can design 10 times more economical systems than any of the West’s 20th century macroeconomic organisational system.
Grameen and BRAC have become the world’s greatest sustainability investment banks by flowing this governance model to the triple T (Transparency, Whole Truth of Purpose, Hi-Trust flow of system connections).
*** LONGER CHARTER
Globalization is a system crisis compounding opportunity and risk. That much has been clearly mapped since 1984, and the salient clues to the whole truth of this emerged in the 1930s for those who have read the correspondence between Gandhi and Einstein. As we enter 2010’s, Globalisation’s peak crisis is being breached.
WHAT FUTURE HISTORY MAPS NOW
Renewing Keynes’ logical assertion increasingly economics is the only thing that rules the worlds, a trilogy of entrepreneurial revolution surveys first published in The Economist 1976-1984 estimated that the 7 billion people of 1984-2024 would generate 10 times more or less health and wealth to share around depending on which of 2 opposite systems they designed communal productivities and demands around – whole truth or inconvenient truth! Micro up or macro down!! United generation goal end poverty as a failed system or not!!!
Over a lifetime, systems spin one of two wholly opposite consequences, nothing in between. That’s what’s at stake for every being to connect through now.
The first generation to network the world is in fact the 2nd generation whose defining choices for posterity involve how media is systemised into every community interaction. The 1944-1984 generation had the broadcast tv age to contend with. Initially governments who sold out the commons of mass media to commercial broadcasters looked as if they had picked a good deal for their publics. But then the costs and the image-making rose exponentially. By 1984, democracy itself had been bought out in the world’s biggest nation. As The Economist’s deputy editor declared it then : macroeconomics has become disgraceful political chicanery, all the hi-trust assumptions underlying the free market models of Adam Smith no longer hold.
GO EAST YOUNG WOMAN
Ironically just as economists in St James London were publishing the survey of ER (Entrepreneurial Revolution in 1976 http://erworld.tv ), the 2 greatest Entrepreneurial revolutionaries of humanity’s future were starting micro up experiments in rural Bangladesh. In 2009, they are starting the 6th 7 year plan. 7-year plans are exponentially reasonably interesting for mapmakers to collaboratively network around because as Bill Gates has noted: much less change happens than you expect looking forward 3 years, much more than you ever expect looking forward 7 years,.
In the middle of Bangladesh’s 5th seven-year plan , one of these 2 entrepreneurial revolutionaries won the Nobel Prize for peace. His acceptance speech surprised the listening world. He- and his 30000 staff - wanted in future to share their practical knowhow not just on microcredit but on micro everything. He stated very clearly in the first chapter of a book he spent the next year writing that none of the 20th century’s major org systems – not .com, not .gov not global ngo – were designed around compounding greatest purposes that organizational systems could be governed round if and only if our designs honor the compound time horizon of a generation, or at least 7 year itches. He explained that Bangladesh had accidentally discovered the missing organizational system in the 1970s during a first 7 year teamworking projects of social interactions geared to life-critical services. This system –the only exponentially true sustainability investment model ever published; - shakes up the mind of conventional economists because it composes the different elements they believe in the other way round
MICRO-UP WHAT SOCIAL BUSINESS MODEL DOES & DOES NOT SPIN AROUND
Of course an organization lives or dies on its ability to generate positive cashflow. But there is no reason why positive cashflow should automatically be sucked out by colonizers from the world’ biggest cities. How about reinvesting all the profit in making the organization better at networking (replicating the purpose of ) its life critical service?. And to ensure that happens, why not put ownership in lifelong trust of the poorest or those in most desperate need of the purpose being compounded. That way microeconomics can design 10 times more economical systems than any of the West’s 20th century macroeconomic organisational system.
Grameen and BRAC have become the world’s greatest sustainability investment banks by flowing this governance model to the triple T (Transparency, Whole Truth of Purpose, Hi-Trust flow of system connections).
In one case -Grameen’s world class brand – Yes You Can invites the world’ poorest women to train each other in 60 person village centers in how to become income generating. It also asked them from the outset what they wanted to invest their surplus in. Their 16 decisions chose primarily to integrate community banking with the sustainability investments of health and the education of their next generation. Once digital media was forecast in 1996 to be non-economic in Bangladesh by a world bank accountant, Grameen as Bank for the Poor boldly invested in net-generation media. Suddenly the 7 million microcredit members found their 140000 village centers hubbed to map micro everything. Two 7 year plans later, Bangladesh is now a world epicentre in such extraordinarily productive futures as the microeconomics of solar power and of everything sustainable mobiles can do.
World Class Brand’s BRAC’s road to sustainability used a different segmented approach of celebrating micro up system design and the 10 times more economical value multipliers it leads a communally-inspired generation to. BRAC rebuilt whole industry sectors from the bottom up designing a living wage for every element. Take chickens for example. BRAC innovated roughly 4 phases to making chicken more productive and demanding to spend your lifetimes on
1) Breeding superchickens capable of 3 times more eggs.
2) Inoculating superchcikens who were not as naturally resilient to village diseases as the lower producing country hen.
3) Laying eggs with hour superchickens in the village .
4) Distributing surplus eggs nation wide.
Each of these 4 jobs has been farmed out by BRAC to the village people who start up with a microloan to do one of the 4 most productive jobs that chicken farming system design has ever interconnected. The whole surplus of BRAC chicken industry as the nation’s largest is reinvested in another end-poverty industry to be owned communally by and with microeconomics' bottom-up system design. BRAC now has about 10 bottom up industry sectors owned in trust for the poorest and empowering the Bangladeshi economy like no other developing nation can yet dream of realising. Though please note that if from this day on every true micro up system design move is integrated around mobile youth microcredit, a game especially relevant to needing slum-poverty in Africa, Eastern and Southern hi-trust banking could renew youth’s worldwide potentials.
YES WE CAN
In the midst of Bangladesh’s 3rd 7-year plan, supporters of microeconomics briefed president-elect Clinton (December 1992) on how foreign assistance done the right way round could sustainably race to end poverty. To start their fourth 7 year plan, Bangladesh helped Washington DC launch the potential of the greatest networking summit process in 1997 and through the 1990s world leaders were encouraged to commit to millennium goals declared the micro up way round. During the 5th 7 year plan, Bangladesh accelerated towards millennium goal attainment but open sourcing of the sustainability investment models around the world caused such a conflict through much of the 2000’s in the mind of Wall Street and globalisation’s biggest conventional organizational systems. The dismal result has been system tampering that has caused a lot of microbanking in other nations not to be owned –and compounded – by and for the poorest the way it is sustainable invested in Bangladesh. Until 2006, apart from the worldwide microcreditsummits, both Muhammad Yunus and Fazle Abed had assumed that interested benchmarkers in Micro Up would come to Bangladesh to dialogue and action learn and return to replicate micro up systems and wholeplanet truth the way nature also integrates from the grounded context up.
Now microeconomics entrepreneurial revolutionaries understand that global branding media stages in the west don’t always sustain transparency, trust flow’s or Truth’s whole purpose. So they are urgently inviting young people of the 2010s to connect a more proactive yes we can approach simultaneously everywhere the people –and their social economics maps - can network. Instead of DC, the relaunch of the world’s best every microcreditsummit will take place in Kenya in 2010 with Queen Sofia already promising to sustain the system of systems integrity of Micro up as she and Madrid become world hosts of microcreditsummit in 2011.
Humanity’s greatest Game is on- http://yunusworld.com will you and your peers be a micro up mapmaker between now and 2015? Will you help turn round the world from the serial crashes of wall street and macroeconomics, of ever rising costs embed into mass media, education unfit for the changes our children lives need to transparently questions if systems are to spin sustainability’s whole truth around?…
muhammad yunus is to start some action projects - the vice chancellor then committed to a micro grameen bank for glaswegians some of whom come from 3 generations of welfare - student exchange schemes and a yunus innovation lab at glasgow university are two of the other early consequences to watch out for- if it wasnt so dismally serous after the meltdown of wall street i'd crack up with laughter whenever I hear the word entrepreneur being used by big corporate people- the whole study of entreprenurship was begun by scots and french who wanted to take down english empire systems so that people and communities could be free and happy to be productive and innovativeto their eharts content -true entrepreneurs always map with the transparency and openness of microeconomics -knowing, as my father wrote in 1984 in The Economist, that in the mass media age macroeconomics has become apalling political chicanery
Adam Smith Lecture at Glasgow University
delivered on December 1, 2008
Distinguished Principal, distinguished members of the faculty of Glasgow University, students, distinguished ladies and gentlemen :
I am very honored to be invited to deliver the Adam Smith lecture here at Glasgow University. It is an honor and a privilege for me to be here as part of the celebrations to mark the 250th Anniversary of Adam Smith’s The Theory of Moral Sentiments. Thank you for inviting me here.
Adam Smith provided the conceptual framework of capitalism. It has been improved and elaborated throughout its long history. In the meantime the world has changed enormously. The need for reviewing the basic structure of capitalism has been felt on many occasions. But it has never been felt as strongly as it is being felt today. Capitalism is in serious crisis. Even so, no-one is calling for it to be abandoned in favor of some other system, such as socialism, because everybody is convinced that, with all its faults, capitalism is still the best economic system known to humanity.
Still, in light of the current crisis, there is strong support for a major overhaul of the system. I'll try to explain in my lecture today why I think one major change in the theoretical framework of capitalism is necessary. It’s a change that will allow individuals to express themselves in multi-dimensional ways and address the problems left unsolved or even exacerbated by the existing conceptual framework. And although my proposal may be viewed as a significant change in the structure of capitalism, it is actually very consistent with what Adam Smith elaborated so brilliantly 250 years ago in his Theory of Moral Sentiments.
We are living in a time of unparalleled prosperity, fuelled in part by revolutions in knowledge, science, and technology, particularly information technology. This prosperity has changed the lives of many, yet billions of people still suffer from poverty, hunger, and disease. And now, several major crises have combined forces to bring even greater misery and frustration to the world’s bottom 3 billion people.
Few people foresaw these crises. The twenty-first century began with high hopes and idealistic dreams, encapsulated in the UN initiative known as the Millennium Development Goals. Many of us were convinced that the coming decades would bring unprecedented wealth and prosperity, not just for a few but for all people on this planet.
Sadly, however, 2008 will go down in history as the year of a rude awakening about the gross weaknesses in our capitalist system. It has been the year of the food price crisis, the oil price crisis, the financial crisis, and the ever-worsening environmental crisis. In combination, these crises are causing a profound loss of faith among people who thought they had full understanding of and control over the global system.
The Food Crisis
Early in 2008, the United Nations World Food Programme (WFP) reported dreadful news — more than 73 million people in 78 countries were facing the reality of reduced food rations. We saw headlines reporting news of a sort many people assumed we would never experience again: skyrocketing prices for staple foodstuffs like grains and vegetables (wheat alone having risen in price by 200 percent since the year 2000); food shortages in many countries; rising rates of death from malnutrition; even food riots threatening the stability of countries around the globe.
Since the latest peak in global food prices (which occurred in June, 2008), prices have gone down, bringing a bit of short-term relief to millions. But continuing high food prices have created tremendous pressure in the lives of poor people, for whom basic food can consume as much as two-thirds of their income.
And while short-term relief efforts are essential to stave off the immediate effects of food shortages and prevent widespread famine, it’s also important to step back and take a look at the broader causes of the crisis. We need to consider how the evolution of the world economy and, in particular, of the system whereby food is produced and distributed has led us to today’s dilemma. Perhaps surprisingly, the economic, political, and business practices of the developed world have a profound impact on the availability of food in the poor nations of the world. Thus, solving the global food problem will require a redesign of international framework, not merely a series of local or even regional reforms.
The Green Revolution of the 1950s and 1960s increased crop yields in Asia and Latin America and made many countries that had been reliant on food imports self-sufficient. Rates of hunger and malnutrition dropped significantly. The high-yield grain production made possible by the Green Revolution has been credited with saving the lives of up to a billion people.
Now, however, a series of interrelated trends has partially reversed the gains that the Green Revolution produced.
Part of the problem has been the way in which globalization of food markets has been managed over the past three decades. I am a strong proponent of free trade; I believe that encouraging people and nations to exchange goods and services with one another will, in the long run, lead to greater prosperity for all. But like all markets, global markets need reasonable rules that will allow all participants an opportunity to benefit.
Today’s global markets, unfortunately, are only partly free, and some of the restrictions and distortions that have been left in place have had devastating consequences for poor nations.
The imbalances caused by this semi-free trade are distorting markets, raising prices, and even destroying agriculture in poor countries that once boasted enormous food surpluses.
Fuel or Food ?
Subsidies for ethanol in countries like the U.S. are one example of this problem. Intended to encourage the growth of corn and soy to partially replace fossil fuels in gasoline, these subsidies may have made sense when oil cost $20 a barrel. They were designed to make it economically viable to use biofuels as a partial substitute for relatively cheap and abundant oil — and they worked as intended, as shown by the fact that, in 2007, fully one quarter of the maize (corn) crop in the U.S. was used to manufacture ethanol. But these same subsidies cannot be justified when oil is at over $50 a barrel — nor can the continuing subsidies for oil production enjoyed by large, highly profitable firms like ExxonMobil. Both sets of subsidies distort markets, lead to unintended ecological, social, and economic consequences, and should be phased out as quickly as possible. Otherwise, they will continue to drive up the price of basic foodstuffs both directly and indirectly, including by diverting farmland and other agricultural resources to the production of fuel rather than food.
Food Versus Feed
Increased demand for meat has also distorted food price structures and contributed to worldwide food shortages. Growing prosperity in some of the world’s poorest nations is, of course, a wonderful thing. Over the past three decades, millions of people have been able to lift themselves out of poverty. The credit goes to increased access to free markets, technological developments, and programs such as microcredit that make capital for investments available to those who were once shut out of the capitalist system.
But prosperity is bringing its own challenges. The amount of meat eaten by the typical Chinese citizen has increased from 20 kilograms per year in 1958 to over 50 kilograms today. Similar increases have been seen in other large countries such as India, Indonesia, and Bangladesh, which together with China make up nearly half the world's population. Not only can more and more people in these countries now afford meat, but they are shifting to meat (and away from more traditional, low-meat diets) as part of their adoption of a “modern, prosperous” lifestyle.
Unfortunately, meat-eating is a relatively inefficient use of natural resources. The number of nutritious calories delivered by meat is far lower than the calories humans can enjoy through direct intake of grains. Yet today, more and more grain and other foodstuffs are being used to feed cattle rather than human beings. By some measures, up to a third of the world’s grain production, as well as third of the global fish catch, is being used to feed livestock. And more and more of the planet’s farmlands are being diverted from the production of food for human consumption and toward the growing of grains for cattle feed. These changes add several costly steps to the process by which human life will ultimately be sustained.
As a result of dysfunctional agricultural choices such as the decision to shift land use toward ethanol and meat production, even basic foods are becoming more expensive.
There are still other factors worsening the current food crisis for the developing nations. One of these is the growing difficulty for farmers in poor nations to compete in the increasingly global food markets.
In effect, small farmers in the developing nations are suffering from the necessity to compete against large-scale producers in the developed nations. It’s a one-sided battle that, so far, has led to devastating results for the poor farmers of the world.
Increasing corporate control of agricultural resources is also harming farmers in the developing world. As large agribusinesses take near-monopoly control over seed stocks as well as control over supplies of costly synthetic fertilizers and pesticides, more and more small farms are driven out of business, unable to afford the supplies they need to compete in the new global food market. The rising cost of oil is a significant factor here, too. For example, many fertilizers are petroleum-based, which means that every increase in the cost of a barrel of oil drives up the cost of fertilizer. The World Bank reports that, over the past five years, fertilizer prices have risen by 150 percent. Of course, high oil prices also drive up the cost of irrigation, running farm equipment, delivering goods to market, and shipping foods to and from processing plants.
All of these economic and social problems are growing worse just as global environmental trends are threatening the future of agriculture around the world. Climate change, drought, and deforestation are turning vast areas that were once fertile farmlands into deserts. The UN reports that, every year, an area equivalent to the entire country of Ukraine is lost to farming because of climate change. What’s more, if current global warming trends continue, over the next century, rising sea levels can be expected to flood almost one third of the world’s farmland. It is easy to imagine what is happening to Bangladesh, the world's most densely populated country, which is a flat country with 20% of its land less than one-meter above sea level. As the sea-level keeps rising, flooding grows steadily worse and more destructive. It is an emerging case of environmental disaster leading immediately to human disaster.
On top of the food crisis, the oil price crisis, and the environmental crisis, came the biggest crisis of all — the crushing collapse of the US financial system. Giant financial institutions along with major manufacturing firms like the auto-makers are going bankrupt or being kept alive with unprecedented government bailout packages. Many reasons have been suggested for this historic economic collapse: excessive greed in the market place, the transformation of investment markets into gambling casinos, the failure of regulatory institutions, and so on. But one thing is clear: the financial system has broken down because of a fundamental distortion of its basic purpose.
Credit markets were originally created to serve human needs—to provide business people with capital to start or expand companies. In return for these services, bankers and other lenders earned a reasonable profit. Everyone benefited. In recent years, however, the credit markets have been distorted by a relative handful of individuals and companies with a different goal in mind — to earn unrealistically high rates of return through clever feats of financial engineering. They repackaged mortgages and other loans into sophisticated instruments whose risk level and other characteristics were hidden or disguised. Then they sold and resold these instruments, earning a slice of profit on every transaction. All the while, investors eagerly bid up the prices, scrambling for unsustainable growth and gambling that the underlying weakness of the system would never come to light.
In time, the inevitable happened. The house of cards came tumbling down. And because of globalisation, this financial tsunami is spreading all over the world. Stock-markets all over the world are reporting daily about losses in the trillions of dollars. But the rich will not be the worst sufferers from this financial crisis, rather it will be the bottom 3 billion people on this planet, despite the fact that they are not responsible in any way for creating this crisis. While the rich will continue to enjoy a privileged life style, the bottom 3 billion people will face job and income losses that, for many, will make the difference between life and death.
We have only seen the beginning of these crises in 2008; it is going to be a long and painful period ahead. The combined effects of the financial crisis, the food crisis, the energy crisis, and the environmental crisis will continue to unfold in the coming months and years, affecting the bottom 3 billion with special force.
Over the past three months, world leaders have been particularly focused on the emergency situation on the financial front. This is quite understable. But it should not be seen as a problem of high finance only. This narrow view of the financial crisis is likely to create global social and political problems. The human aspect of the financial crisis must be integrated into all policy proposals. The appropriate thing would be to treat all four crises as one crisis, since all are linked together. So far, governments have kept themselves busy coming up with super-size bail-out packages for the financial institutions which were responsible for creating the financial crisis, yet no bail-out package of any size has even been discussed for the victims of the crisis — the 3 billion bottom people and the planet that sustains us all.
For this reason, I have been repeatedly urging that this mega-crisis be taken as a mega-opportunity to redesign the existing economic and financial systems.
Capitalism is a Half-Built Structure
Even if we can overcome the immediate crises we face, we will still be left with fundamental questions about the effectiveness of capitalism in tackling such unresolved problems as persistent poverty, lack of access to health care and education, and epidemic diseases. In my view, the theoretical framework of capitalism that is widely accepted today is a half-built structure—one that preventsAdam Smith's "invisible hand" from operating as he believed it should.
In a sense, we have chosen to disregard half of Smith’s message. His Wealth of Nations has drawn all the attention while The Theory of Moral Sentiments has been largely ignored. This book could have provided the foundation for the other, missing half of the market — the half of the market that caters to the social consciousness of the people.
The present theory of capitalism holds that the marketplace is only for those who are interested in profit only. This interpretation treats people as one-dimensional beings. But people are multi dimensional, as Adam Smith saw two and a half centuries back. While they have their selfish dimension, at the same time, they also have their selfless dimension. The theory of capitalism, and the marketplace that has grown up around the theory, makes no room for the selfless dimension of the people. If the altruistic motivation that exists in people could be brought into the business world, there would be very few problems that we could not solve.
Adam Smith’s Theory of Moral Sentiments begins with the assertion that “How selfish so ever man may be supposed, there are evidently some principles in his nature, which interest him in the fortunes of others, and render their happiness necessary to him, though he derives nothing from it, except the pleasure of seeing it. Of this kind is pity or compassion, the emotion we feel for the misery of others, when we either see it, or are made to conceive it in a very lively manner. That we often derive sorrow from the sorrows of others, is a matter of fact too obvious to require any instances to prove it; for this sentiment, like all the other original passions of human nature, is by no means confined to the virtuous or the humane, though they perhaps may feel it with the most exquisite sensibility. The greatest ruffian, the most hardened violator of the laws of society, is not altogether without it.”
Smith then asks that most fundamental question: Why do we regard certain actions or intentions with approval and condemn others? At the time, opinion was divided: some held that the only standard of right and wrong was the law and the sovereign who made it; others, that moral principles could be worked out rationally, like the theorems of mathematics.
Smith took the view that people are born with a moral sense, just as they have inborn ideas of beauty or harmony. Our conscience tells us what is right and wrong: and that conscience is something innate, not something given us by lawmakers or by rational analysis. And to bolster it we also have a natural fellow-feeling, which Smith calls "sympathy". Between them, these natural senses of conscience and sympathy ensure that human beings can and do live together in orderly and beneficial social organizations.
With these ideas in mind, we can see that Smith’s other great book, The Wealth of Nations, has probably been misinterpreted. Smith’s thesis in that book is generally summarized as an argument that all will be well if people are allowed to follow "self-interest". The world has interpreted "self-interest" as equal to profit maximization. But with human beings as they are, driven by conscience and sympathy as well as the desire for profit, we see that "self-interest" includes both profit maximization and social contribution. That's what Adam Smith elaborated in The Theory of Moral Sentiments, which attached great importance to justice and other moral virtues, perhaps to clarify the boundaries of "self-interest".
The present structure of economic theory does not allow these other dimensions of people to play out in the market place. I argue that, given the opportunity, people will come into the market place to express their selfless urges by running special types of businesses specifically designed to improve the lot of humanity in general. In the absence of such an opportunity in the market place, people will express their selflessness through charities. Charitable efforts have always been with us, and they are noble, and they are needed. But we have seen that business has a greater ability than charity to innovate, to expand, and to reach more and more people through the power of the free market. Imagine what we could achieve if talented entrepreneurs and business executives around the world devoted themselves to goals such as ending malnutrition, providing shelter for the homeless, and eradicating disease.
With this in mind, I am proposing a second type of business to operate in the same market along with the existing profit maximizing businesses. I call this new type of business “social business,” because it exists for the collective benefit of others.
A social business is a business whose purpose is to address and solve social problems, not to make money for its investors. It is a non-loss non-dividend company. The investor can recoup his investment capital, but beyond that no profit is to be taken out as dividends by the investors. These profits remain with the company and are used to expand its out reach, to improve the quality of the product or service it provides, and to design methods to bring down the cost of the product or service. If the efficiency, the competitiveness, and the dynamism of the business world can be harnessed to deal with specific social problems, the world will be a much better place.
The concept of social business crystallized in my mind through my experience with the Grameen companies. Over the years, Grameen has created a series of companies to address different problems faced by the poor in Bangladesh. Whether it is a company to provide renewable energy, a company to provide healthcare, or yet another company to provide information technology to the poor, we were always motivated by the need to address the social need. We designed these businesses as profitable companies, but only to ensure their sustainability so that the products or services they provided could reach more and more of the poor - and on an ongoing basis. In all these cases, the social need was the only consideration; earning a profit was no consideration at all. That is how I realized that businesses could be built that way, from the ground up, around specific social needs, without relying on the motive of personal gain.
The concept of social business got international attention when Grameen Bank launched a joint venture with Danone, a multinational company from France. Grameen teamed up with Danone to bring nutritious fortified yogurt to the undernourished children of rural Bangladesh. The aim of this social business is to fill the nutritional gap in the diet of these children. We sell the yogurt to the poor children at an affordable price, charging just enough to make the company self sustaining. Beyond the return of the original investment capital, neither Grameen nor Danone will make any money from this venture, by agreement. We have one yogurt plant already operating in Bangladesh, and in time we hope to have 50 such plants throughout the country.
Grameen Danone is just the first social business we have launched. We also have built an eye care hospital on social business principles. And we have created a joint-venture with Veolia of France to deliver safe drinking water in the villages of Bangladesh. This joing venture is building a small water treatment plant to bring clean water to 50,000 villagers, in an area of Bangladesh where the existing water supply is highly arsenic contaminated. We will sell the water at a very affordable price to the villagers to make the company sustainable, but no financial gain will come to Grameen or Veolia. Now more and more companies are coming forward to partner with us to set up new social businesses. We feel excited about creating a series of examples of social businesses, which, hopefully, will encourage others to join in.
Some people are skeptical when I describe the concept of social business. Who will create these businesses? Who will run these businesses? Why would anyone devote time, energy, and money to projects with no hope of personal gain? I always say that, to begin with, there is no dearth of philanthropists in the world, no dearth of donor countries giving grants. People give away billions of dollars every year. So do donor countries. Imagine if those billions could be used by social businesses to help people. These billions would be recycled again and again, and the social impact could be all that much more powerful. In the same way, money allocated by companies to corporate social responsibility projects could easily go into social businesses. Each company would create its own range of social businesses. We can also create Social Business Funds to pool funds from many sources and invest them in social businesses. The opportunities for launching social businesses are really limitless.
Business Owned By the Poor
Even profit maximizing companies can be social businesses if they are owned by the poor. This constitutes a second type of social business. Grameen Bank falls under this category of social business. It is owned by its poor borrowers.
The borrowers buy Grameen Bank shares with their own money, and these shares cannot be transferred to non-borrowers. A committed professional team does the day-to-day running of the bank. Every year, dividend checks are sent to the borrowers, representing their share of the bank’s profits.
Bilateral and multi-lateral donors interested in supporting economic development could easily create social businesses of this type. When a donor wants to gives a loan or a grant to build a bridge in the recipient country, it could create instead a "bridge company" owned by the local poor. A committed management company could be given the responsibility of running the company. Part of the profits earned by the company would go to the local poor as dividends, while part would go towards building more bridges. Many infrastructure projects, like roads, highways, airports, seaports, and utility companies could be built in this manner.
Once the concept of social business is included in economic theory, thousands of people will come forward to invest in social businesses because of the social dreams they have in their hearts.
Social Stock Market
To connect investors with social businesses, we will need to create a social stock market where only the shares of social businesses will be traded. An investor will come to this stock-exchange in ordee to find a social business, which has a mission to his or her liking, just as someone who wants to make money goes to the existing stock-market.
To enable a social stock-exchange to perform properly, we will need to create rating agencies, standardization of terminology, definitions, impact measurement tools, reporting formats, and new financial publications, such as, The Social Wall Street Journal, and new electronic media, such as, Social Bloomberg. Business schools will offer courses and business management degrees to train young managers how to manage social businesses in the most efficient manner, and, most of all, to inspire them to become social business entrepreneurs themselves.
We live in a globalized world, for better or for worse. What we do in one part of the world has a direct impact on another. We are now connected and inter dependent in an unprecedented way. This can be a good thing, this can be a bad thing. Good waves spread quickly. So do bad waves. The shock-waves from the collapse of the financial system in the USA are being transmitted globally. The whole world now suffers for something which happened in the USA.
The wrong doings of the rich world impact heavily on the lives of the poor. The life-style of the North can make lives in the South unsustainable.
The issue of climate change is a very good example of this.
The world has many resources but many of the most important resources are non renewable. We have to understand that the patterns of our consumption, and the path to development that the world is taking could seriously endanger our future on this planet. The food crisis is in part caused by changes in climate patterns produced, scientists believe, by human activity.
My country, Bangladesh is one of the countries that will be most affected, and most quickly, by the effects of climate change. But in the long run, every country will suffer the consequences of global warming. We have to understand that we all have to share this world with everyone today, and also with future generations.
We have to design a new global economic architecture to make sure that one person's enjoyment of life does not take away another person’s right to survival, and that one generation’s enjoyment of life does not put another generation in peril.
The Role of Social Business in Globalization
I support globalization and believe it can bring more benefits to the poor than any alternative. But it must be the right kind of globalization. To me, globalization is like a hundred-lane highway criss-crossing the world. If it is a free-for-all highway, its lanes will be taken over by the giant trucks from powerful economies. Bangladeshi rickshaws will be thrown off the highway. In order to have win-win globalization, we must have traffic rules, traffic police, and a traffic authority for this global highway. The rule of "strongest takes all" must be replaced by rules that ensure that the poorest have a place and a piece of the action, and are not elbowed out by the strong. Globalization must not become financial imperialism.
Powerful multi-national social businesses can be created to capture a share of the benefits of globalization for poor people and poor countries. Social businesses will either bring ownership to poor people, or keep the profit within poor countries, since taking dividends will not be their objective. Direct foreign investment by foreign social businesses will be exciting news for recipient countries. Building strong economies in poor countries and protecting them from plundering companies will be a major area of interest for social businesses.
The Worst Crises Offer the Best Opportunities
Most important, the current mega-crisis should not distract donors and world leaders from the search for long-term global solutions. Instead they should see this as a mega opportunity to address long-term problems in their integrated solution packages.
The current multiple-crises offer us all a valuable lesson in the inter-connectedness of the human family. The fate of Lehman Brothers and that of poor sisters working in the garment factory in Bangladesh are linked together. The fate of a rice farmer in Bangladesh, a maize farmer in Mexico, and a maize farmer in Iowa are all intertwined; and while short-term trends may appear to benefit a few of us at the expense of many others, in the long-run, only policies that will allow all the peoples of the world to share their progress are truly sustainable.
In the coming months the multiple-crises will reveal more of their ramifications in economic and human terms. This is the time to bring the world together to face this crisis in a well planned and well managed way; to take this crisis as the best opportunity to design and put in place a new economic and financial architecture so that this type of crisis will never recur again, long-standing global problems will be addressed decisively, and the incoherence and deficiencies of the current economic and financial order will finally be removed.
The most important feature of this new global economic architecture will be to bring the half-built theoretical framework of capitalism to completion by including the second type of business, the social business, in the market place. Once it is included in the framework, it can play a very important role in solving the financial crisis, the food crisis, the energy crisis, and the environmental crisis. I It will also provide the most effective institutional mechanism for addressing the unresolved problems of poverty and ill-health. Social business can address all the problems which are left behind by the profit-making businesses, at the same time as it tones down the excesses of the profit-making businesses.
We can start introducing social businesses in the bail-out packages for the bottom 3 billion people, by creating a global social business fund to provide loans and equity for :
a) Expanding microcredit programs
b) Supporting other poverty reduction programs
c) Providing technology infrastructure for the poor
d) Improving agriculture in the developing world (through programs such as agricultural credit; local, national, and international marketing; storage; introduction of new technology; insurance;price and wage guarantees, and so on)
e) Providing healthcare and health insurance
f) Protecting the environment and providing renewable energy
g) making globalisation work for the poor
Poverty can be overcome
As we devote ourselves in crafting a new economic and social architecture, what should members of the younger generation, like you, be getting ready for ? I see one exciting option for you --- to list all the features of the new world you want to create, and then work for it. I hope among all the features in your wish-list an important one will be to create a world without poverty.
The thought that always energizes me is that the poverty is not created by poor people. Poverty is an artificial imposition on the people. Poor people are endowed with the same unlimited potential for creativity and energy of any human being in any station of life, any where in the world. It is a question of removing the barriers faced by poor people to unleash their creativity to solve their problems. They can change their lives, if we only give them the same opportunities that we have . Creatively designed social businesses in all sectors can make this happen in the fastest way.
I always insist that poverty does not belong in civilized society. Poverty belongs only in a museum where our children and grandchildren will go to see what inhumanity people had to suffer, and where they will ask themselves how their ancestors allowed such a condition to persist for so long.
You, the next generation, have to make a pledge that it will be your generation that will ensure the elimination of poverty from this planet. We overcame slavery. We overcame apartheid. We have done other things that people once thought impossible. We have put human beings on the moon. We can overcome poverty, if we only decide that poverty does not belong to the world that you want to create. It is up to your generation to decide that the world you choose to live in will not contain the scourge of poverty.
You Can Make it Happen
We are fortunate enough to have been born in an age of great ideas and great technologies. A lot will rely on your asking yourself, "What use do I want to make of my creative talent?" Do you want to focus exclusively on making money? If you must, go ahead; but while making money through profit maximizing businesses do make sure that your businesses make a positive impact on people’s lives, or at least, make no negative impact. Alternatively, you could use your talent to change the world by harnessing the power of creative social businesses to address human and social needs.
Of course, you can do both types of businesses. Making money through responsible profit-maximizing businesses could be the means, while using that money for social businesses could be the exciting end.
The solutions to many of our world’s pressing problems could be accelerated through the creation of social businesses.
It is up to you to make it happen.
If you choose this path, paying attention to your conscience and to human sympathy as well as to the design for wealth, you will be the true economic person Adam Smith had in mind.