Opportunity of averting big banking's worldwide slump

I think the learning crisis caused by the emergence of spaces like http://financialaccess.org/ -which I feel is mainly a macro edited space designed to dismember integrity of real microcredit - also provides an opportunity . Yes We Can develop student clubs to make a social business out of real microcredit modules and mentoring. (Incidentally New Yorkers and I need help in developing http://financialaccess.tv/ as an antidote to http://financialaccess.org/ )

If any student gravitated micro up club is interested to take this idea further please say. I also propose that 18-25's and I interview wherever possible US leaders of Bangladesh micro-knowledge transfer before end of March -we'd love to develop some "Yes We can" relevant cases - to every community in usa having a choice to bank at a communiity/micro-constituted bank.

Gist of concept - develop first 5 modules by end june in time for review in Banlgadesh

*Only sell those where one or more of the world's deep 10 microcredits signs off the text is valid

*Basic modules are sold on paypal at $5 ; more advanced ones at $10. Half of proceeds go to one of the certifying microcredits with buyer's choice; other half goes to student clubs that maintain the module. Possibility in future for second stage where student consulatnts offer 1 : 1 mentoring services - mainly Q&A around the modules where eg pairs of students cross-check before answers are delivered to buyer

Test case

What would you want to see added to the following as the most basic microcredit module's content section themes.

Module 0: How do you know if you are experiencing at a case of microcedit designed wholly around ending poverty

1 Pervasive value of organisation is never to exclude the poorest

1a Love segmentation as long as it doesnt pollute your root cause : Within seven years into existence expect to see that MCI is also offering small business loans to those members who are no longer poorest whilst continuing poorest service

2 look for peer to peer support mechanisms. The primary purpose of any microcredit is to help all members become income generating in a way that sustains communal value -ie every member is a microentrpreneur

2a look for long-term communal goals of ending poverty defined by membership reinforcing individual sustainability goals –check these include education of children, health, ending discrimination against any demographic group

3 Understand constitution of ownership. Any ownership that extracts investment out of the communities where the poorest work is not optimal systemisation of microcredit.

4 Repayment rate declining below high 90%s is seen as an early warning that microcredit will need to supply other customised services – eg health or disaster insurance. Conversely no optimal microcredit tolerates failing to find the new service needed to return repayment rate to high 90s.

5 If in press or elsewhere you read interviews with the organisation’s founder or leaders, study whether journalist appreciates -or is even curious about - gravitaional context. Microcredit is invented to be a core part of system changing solutions in any place wherever poverty museums are not yet celebrating an end of poverty. Whilst there are common system qualities of any microcredit system (see above) no founder of microcredit would claim that exactly the same service system features operate in Bangladesh villages, Kenyan slums or for unbanked in the USA.

5a Countries are "harder" to develop microcredit in where their laws are not yet conducive to starting up the simplest organisational forms of microcredit - this is an advanced module -for example Dr Ynus and Beranke spent time discussing this 4 February 2009! More basic Example: sustainable microcedit programs almost always conclude that evolution of members savings programs are vital (as soon as law permits).

5b A big difference is a country where mobile infrastructure enables all transactions to be captured digitally. See separate module on characteristic of mobile empowered microcredit.

6 MCI revel in designing the other system around- collaboration economics. That is searching above zero-sum free markets to appreciate all that humans can be and family-loving communities and communications (openly connecting media and learning) can generate as measured by sustaining compound exponential futures not extracting quarterly rewards.

Please note I am not saying this module is complete in its section headings. I am saying that I believe as cluster of unviersity microcredit clubs can make this module nearly right (much more so than our NY , harvard and yale competitors editing http://financialaccess.org/ )by end june that Bangladesh could quickly quality edit it and authorise it as haveing $5 value for anyone who doesnt already practice MCI

Am I being over-optimsitic ?- delighted to be told if this is a bad or risky idea if you think that practising micro people can ever be too optimistic about yes we can

chris macrae dc bureau 301 881 1655

http://futurecapitalism.ning.com/

htp://socialaction.tv http://socialbusiness.tv/ http://futurecapitalism.com/

(our shared resources among student clubs include over 10 hours of videos and transcripts with practitioners of hi-trust microcredit systems includes:

one hour plus of various video Q&A with DR Yunus

one hour single interview of Dipal Barua - leader of Grameen installing more solar units than USA

one hour single interview of Kazi Islam leader of http://www.grameensolutions.com/ and partner leader of http://bankabillion.org/

one hour of interviews of various Grameen staff wanting feedback on internship as microcredit and social business possibilities multiply each other

one hour of various interviewees implementing future capitalism's benchmark social busness cases responsible industry sector by sector)

-its only a start of what interns and other Yes We can 18-25 can collect whilst collaboratively learning and doing micro's and Yes We Can's real things. I personally find that open minds search out innovating colaboration much better than my peer

50-somethings who have 25 years of unlearning wall street (and macro professions )normalism (yunus transrcript minute 1-15 GWU Feb 4) to do before they can get to the same stage of interpretation as a 19 year old can get to. Obviously that is a battle NW elders need to confront among themselves rather than waste 18-25 year olds action learning curves).

Friends and I have established initial contact with 3 world epicentres of unlearning and hope they can contribute to any end june special dialogue in Dhaka on emerging youthmicrosummit

Taddy Blecher Founder of Free Universities

The 50 year sustained number 1 social business of 5-18 year old schooling - Lucknow Gandhi-Montessori

The New Zealand practice epicentre of what my father's 1884 book mapped as the crisis of the learning networked age http://www.normanmacrae.com/netfuture.html Accidentally dad's career as a leading microeconomist was shapeg by inter ning fro a year in where is now bangladesh in 1943. His father-in-law was also mentored for 25 years by Gandhi as they struggled as lawyers on opposite sides of end Britich Empire in India. Father's article on how uncompetitive big banking 's spin has become can be cmmented on at Tony Manwaring's (Tomorrow Conpany) http://www.forceforgood.com/Blogs/How-to-Avert-A-Great-Depression-Through-the-Hungry-2010s---273/1.aspx

Just an an opening punt- can anyone return something in the same ballgame-anytime is good- all deep internet learning connects through a time warp in best practice use of the internet - or so we thought in 1984 http://www.normanmacrae.com/netfuture.html

What the World Needs Now : unite goal of end poverty

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Jane Wales: Dr Yunus- because you’re the world’s best problem solver I have ever known , I am going to ask you about some of the things that are in the plate of the next president of the united states. He will come in and he will face poverty including new poverty at home and abroad the employment crisis the need to provide quality education for all the need to provide affordable healthcare post-conflict reconstruction and reconciliation if were you advising the new president, would you urge him to take an integrated approach or to deal with each independently?

Muhammad Yunus: well I can only tell him of my way at looking at it –first of all if he wants to be serious about poverty – after all, the president of US is de facto the president of the world, so what he does impacts the whole world. So when he talks about poverty he provides the leadership that others take. Now we have the millennium goals which are a wonderful set of goals which inspire all the world but were unfortunately derailed by other things that came up

so first of all restore total support for the millennium development goals and withdraw from other stuff united states got involved in such as war on terror, so concentrate on the one of making sure we achieve the millennium goals, achieve them 100% this will be a tremendous achievement for the whole world that we have done something its not some of UN goal setting and forgetting, this is a real goal and a reality to celebrate having done it and then for this president the best thing is to show total commitment of ending poverty set a new date when the world can be at zero poverty – we have 2015 at halve poverty so why don't we set the next goal zero poverty so that we know this is the direction we need to take, when we set the date everything else will fall into place: how do you measure, how do you do it there are several things that will play an important part

1 microcredit because it has shown its effectiveness in unleashing the capacity of people

2 technology how to bring technology to the poorest people so that they can change their whole world

3 healthcare

so its nothing separated, its integrated but you cant have one organisation doing everything, you need several organisations but focused so that everything is achieving the same goal to lift the person and as the president is declaring the date for zero poverty in the whole world at the same time encourage the united states to set their date when their city be zero poverty when their county gets to zero poverty - if someone says well we have no poverty how do you know if you have poverty or not –its very simple the first question I ask is do you have a welfare program, a welfare department? As long as you have a welfare department you have poverty, otherwise why do you have it, poverty means that nobody is on welfare that is clear sign so you have to close down your welfare department, find something else for those people to do, so all the related things you have to welfare you close down as you have crossed that level and you are never going back

- city by city, county by county, state by state, it can be done and it will encourage everyone else – that state can do it, we can do it this is the way to go, so poverty will be the challenge

–and once you have solved poverty other solutions come right away, environment will come right away- like in the case of bangladesh environment and our survival is an integrated problem, we are the ones on the front line – eliminated by global climate change because of our flat country, so for us its such an important issue the united states missed the whole leadership on the global warming issue, never got to the Kyoto protocol and as a result the whole world got derailed, ..so now is the chance to go back to preparing for the 2012 UN binding resolution .. that way you know where you are the moment government becomes serious , technology starts going in, its not a question of it cant be done , simply we have to make a serious commitment that we will do it-the moment we make the serious commitment, technologies will come ,

how do we replace the things that are causing the problem, replacing them with new technology without harming anyone in any way the present way of living life in a way which might enjoy life today but may be harming someone else’s life somewhere on the planet, its not a good feeling: I am doing something that puts someone else life at stake because of the way I do things – so the basic principle we should all adopt, every child should be taught, every family be taught my way of living should not harm anyone else , and that’s how I would like to live its possible once you make that commitment all the environmental problems will be solved

inquiries chris macrae info @worldcitizen.tv us tel 301 881 1655 ; us office 5801 nicholson lane suite 404, North Bethesda, MD 20852 USA - uk 80 queens road, suite 30, wimbledon, london sw19 8lb

Mapping is a process of discovery. It explores how to make the invisible principles and practices of real wealth creation visible, and therefore useable. Our planet needs case studies underline the search for new win-wins that build ‘system integrity’
Trust-flow is the unseen wealth to invest sustainability in. Tranpsaremtly mapped it develops a goodwill gravity tyhat invites with roleplayer in a community to multiply goodwill while sustaining their own cashflow.. Trust is not some vague, mushy, abstract warm-hearted sentiment. It is an economic powerhouse – probably just as economically and socially important as oil.
The point is, there are specific things you need to do to get trust flowing, just as there are specific things you need to do to get oil flowing. And like oil trust has a dark side. Right now, the world is awash with the carbon emissions which threaten the stability and sustainability of its ecosystems. Right now, the world is also awash with the ‘carbon emission’ of trust – mistrust. Indeed it may well be that our ability to tackle the one issue – the threat of environmental catastrophe – depends on our ability to tackle the other issue: how to generate, deepen, extend and sustain trust.>br>But what is the best way of doing this? One thing is for sure. You don’t build and sustain trust via some sentimental exercise of goodwill to all and sundry. There are three very simple principles at the heart of effective trust generation.
First, trust is generated via win-win relationships. It’s virtually impossible to generate or sustain trust without mutual benefit for those involved. But beneficial outcomes are not enough in themselves. For trust to be built and sustained, both sides need to signal a demonstrable commitment to finding win-win ways forward. Such a commitment may require real changes to what we say and do. Second, real ‘win-wins’ are hardly ever purely financial or material. You don’t build trust simply by walking away with more cash in your pocket. Trust works at all the dimensions and levels of human exchange. Yes, it’s about financial and material rewards. But it’s also about purpose (what people want to achieve). It’s about politics with a small ‘p’: the use and abuse of power, the crafting and application of rules of fair play. And it’s about emotions: the sometimes overwhelmingly strong emotions, both positive and negative, that are generated when people deal with other peopleWhat’s constitutes a ‘win’ – a sense of real improvement – is therefore highly specific. It depends absolutely on the details of who the parties are, what they are trying to achieve, in what context. Building trus, therefore involves discovering these specifics. Just as oil doesn’t flow out of the ground, get refined and pump its way into motor vehicles automatically and without effort, so identifying and doing what is necessary to get trust flowing requires dedicated, skilled effort. It requires a disciplined, structured process, not a vague sentiment.

3) Third, even if we do steps 1) and 2) there’s still a good chance it won’t succeed. Why? Because it ignores an invisible third factor. In the real world, purely two way bilateral relationships don’t exist. There is always a third party whose interests or outcomes are affected by what the other two parties do but who is not a party to the contract. The environment is a case in point. Producers and consumers may both benefit from buying and selling to each other – but what happens if, in doing so, they destroy the environment they both depend on?

This raises a hugely important question. When two parties pursue win-wins and build mutual trust, are they doing so in a way which creates a win and builds trust for the third party at the same time? Or are they simply pushing the problems – and the mistrust – further down the line on to this third party? Building vigorous, healthy networks of trust is a different kettle of fish to ‘you scratch my back and I’ll scratch yours’ win-win conspiracies. It requires a Map of all the key relationships plus careful consideration of knock-on consequences. It requires a different perspective.

These three simple, basic steps do not happen automatically. They need to be worked at. The territory needs to be deliberately Mapped and explored. What’s more, there are obstacles in our way – mental and practical obstacles that need to be cleared. Prevailing economic theories about ‘rational economic man’ for example, deny the need to commit to win-win outcomes. Instead, they promote supposedly ‘rational’ (i.e. narrowly selfish behaviours) which actively undermine trust The same theories insist that the only valid measure of human benefit is money, thereby excluding from consideration many of the biggest opportunities for improvement. Meanwhile many vested interests do not want to extend the circle of trust to third parties and complete networks because their positions of power depend on their ability to take advantage of the weaknesses of these third parties. That’s another job for Mapping: helping to identify and mount such obstacles.
The potential benefits of doing so are unthinkably huge. They start with a simple negative: the relief that comes from when you stop banging your head against a brick wall. Mistrust breeds wasteful, wealth destroying conflict that tends to feed on itself. Anger and hatred engender anger and hatred. Simply easing or stopping the terrible waste of mistrust would transform prospects for many millions of people. We desperately need to find ways of doing this. Then there are the positive benefits. Understanding the real nature of human wealth – all those dimensions of purpose, ‘politics’ and emotion as well as money and material comfort – means we can start being human again; human in the way we think, and act. What’s more, many of these intangible benefits won’t cost a penny. They’re there for the taking, if only we puts our minds to it.
But there’s more, because trust is also an economic superpower in its own right. In the pages that follow we will show conclusively that material and financial riches are also dependent on trust. In fact, we will argue the case for going one step further. We will say that material and financial riches are a by-product of trust: the visible fruits of invisible, intangible human exchange. Once you understand that sustainable cash flows are a by-product of sustainable trust flows, your understanding of what makes a successful business is transformed.
Separately, each of these three fruits – reducing the waste of conflict, unleashing the potential intrinsic benefits of human exchange, and energising the sustainable creation of material wealth – are massive in their own right. Put them together and they represent a vast new continent of opportunity.
As we said, this book is addressed to entrepreneurs and system innovation revolutionaries. Wherever you happen to be, whatever the change you want to make is, the principles explored in this book apply. The wish to change and the will to change are not the same as being able to change successfully. For that you need to understand your territory. You will need new Maps.