Chartering the future reality of microcredit

This is hard to do. Microcredit got into a right old muddle when DC lobbyists positioned it as the most pivotal tool of millennium goals. This wasn't what our 1984 book on the net generation intended in proposing millennium goal debates and the critical need for grassroots networks collaborating around the identification of 30000 microfranchises needed to end poverty through open replication of solutions across communities suffering similar sustainability challenges

Worse, with hindsight it can be said that the timing of 1996/7 when Alex Counts brought Grameen Foundation to DC and Sam Daley-Harris started up microcredisummit could hardly have been worse. Up until then Microcredit had involved extremely manual grassroots networking through Bangladesh vilages designing support networks for village mothers. Real microcredit blended far more practical brilliance than American financiers could begin to understand. It converged the financial services the village mothers needed , education and the redesign of value chains round them  communally(the exact opposite of the loan shark who had previously trapped them but also the exact opposite of every agricultural value chain where middle men offer the worst prices to smallest producers). Morever womens village centres maximized non-financial exchanges making the very definition of a millennium goal in dollar terms a day misleading

Further Bangladesh had started nut just as the poorest country but one of the most illiterate and with millions of refugees who had returned after the war of independence. The true microcredit networks during Bangladesh's first quarter of a century actioned these sort of goal-oriented curricula vitae

and they weaved together these sorts of micro and massive collaboration-processes

What accelerated from 1997 was mobile connectivity . Where this came to the villages it ended the manual labour of account keeping that had required bank managers to live by the village centres. While this remained absolutely essential in true microcredits, others started to fund competitors claiming they were designing more efficient banking processes. And since the true microcredits were also the village mothers investment banks for advancing intergenerational goals -all the relationship flows involved investing in such innovation choices sped up with digital power. While Grameen and BRAC were famous enough to attract funds for the major transformation that microcredit in the digital age needed, many of the faithful grameen ineternational replications were not so fortunate. This may help to explain why today there are very few Grameen replicates that pre-existed 1996 and which have scaled nationally. In some cases thy have hung on to regional communities where they were deeply embedded in bottom up agricultural markets. BRAC hadn't expanded replications internationally prior to 1996 so it wasn't faced with the same problem 

 

The worst thing of all about how the DC fundraisers took over the worldwide push to microcredit is that the last thing in the world such dfundraisers are concerned with is educating how to replicate the real models. So today just when millions of youth are being connected by Massive Open Onlice Curricula there is no real course on how to design microcredit to be pivotal to the realkity of progressing enbd of poverty rather than the PR.

We welcome other views if you are prepared to publish a link to exactly who you represent. And if you know of anyone who is aiming to provide millions of youth ree online access to curricula of microcredit please tell us - chris.macrae@yahoo.co.uk Norman Macrae Foundation for pro-youth economics and pro-youth education.

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Norman Macrae Foundation - The Economist's pro-youth economist


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Where would you like to benchmark with world record job creation? China - Jinping or Ma - the greatest country to collaborate with on the most sustainability jobs 2016 to 2030 Bangladesh - Sir Fazle or Yunus the country with the most solutions for empowering women and ending systemic extremes of poverty Timely Tipping Point & Leapfrog Investment translators across hemispheres- Jim Kim or George Soros Berners Lee & Owen The greaters openers of space - real and virtual Scaling's most courageous innovators teaching has ever seen with or without help of western media and professional monopolies - Gandhi School, May, Rachel

to charter- back in the late 1980s a group of us started asking how can the world's greatest visions (1) in terms of advancing the human lot be organised so that everyone passionate about a goal can network around it

we welcome all practitioners and youthful learners to the compass of http://charter.ning.com/

 what's the biggest purpose you want to see networked during life time?


ER ECONOMICS & CHARTER help design futures peoples want most- we mobilise and app entrepreneurial economics principle of action futures now to invest in longer-term prosperity that win-win-win models compound

major innovation tools linked in by charter profession include - jobscompetitions; open space ; grounded theory of opinion research; collaboration cafe; collaboration city searches - example-

also 12 grades of practising email- and such k-12 methods as new zealand has liberated since 1984 at http://thelearningweb.net - for evolution of digital structures since 1984 see Gordon Dryden paperfor journal of pro-youth economics and social business

 

please note that CHARTER like most methods that Entrepreneurial Revolution fans have spent 40 years working on since The Economist first announced ER challenges: while there is a minimal process of facilitating charters- its contextual. Try one out -q1 who in the world will uniquely miss what if we fail on the most valuable www project we know of: namely how do find 5000 youth of net generation whose collaborations can sustain growth through global villages faster than 5000 big bankers/politicos can collapse communities

- video on this challenge televised by new york's bronx tv as follow up to yunus launch talk of youth economics 2008

related yout economics projects: help find 100 leaders who value view that 2010s can be youth's most productive decade ; help innovate audits of all trillion dolar markets- eg health, edu, nutrition, media for the purpose eoples want most


charter is a collaboration leadership tool developed by Macrae Family from late 80s with 2 particular perspectives:

an entreprenurial competence of media people is to help communities question and answer what futures people want most in the most transparent and cross-cultural ways

in reserach for von neumann's biography- we valued his question - in a networking age what tools will people who want to have a good impact on maximum numbers of people use given that they will probaly be asked to help with 50 projects at a time each of whose computing anyaltics will be getting faster nd faster

while charering was intended to be a communications tool for maxiising involveent in progressing a huge goal , it turned out that the most central question oof all chartering is also the most central question for all goodwill audits including those that:

celebrate transparency

modl sustainable growth (as well as risk of collapse) as needing audits of exponential impact which are already spinning the future depending n relationship investments already made

wish to see if abundancy economics odleing eg how knowledge multiolies value in use can be much more valuable than 20th c scarcity econoics caused by consuming up things

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like other tools that value open colaboration, anyone's quesstion can be valuable - note how a 9 year old asked the best question among over 1000 New yorkers at this january 2008 briefing

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