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This page is dedicated to YunusLondon Weekday Feb 15 , 2008, when the book than changes the world was launched. Below, we're colecting transcripts - see eg the talk that raised 2 standing ovations at London School of Economics- but first what has the world most carefully said about this bookworld; 1 2 3 when the botoom line is ending poverty : While Gandhi's goal was the end of colonialism, Yunus' is just as grand: He means to reform capitalism to make it a tool for ending poverty | london/uk: 1 see min 5 on of david frost video : |
and what of London/UK critics -mail in your nominations to info@ worldcitizen.tv Yunus links: group 1 ; individual : SofiaBustamante 1 AlanMitchell 1 Rebecca Harding 1 Modjtaba Sadria 1 LillyEvans 1 
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Real entrepreneurs compound unique purpose which develops peoples lifelong competences, serves and progresses the human lot. We vote for Muhammad Yunus as this century's number 1 local and worldwide entrepreneur -who do you vote for? - info@worldcitizen.tv Entrepreneur Revolution comes back to the country where all our networking began - celebrate the launch of Yunus book in France 
are you interested in any of these gamechanger contexts? if yes mail info@worldcitizen.tv with your compass of change and we will try to direct you to where on the wholeplanet gameschanger networking experiments are being open sourced Macraes' 2008 Diary: Special Events 6 January Dhaka: After the most astonishing days of my business life, in which I heard how DR Yunus and team have a 3 year plan to connect up the half of the world the internet has never served, a relatively easy feat after connecting up the half of the world that banking has never served, my last 5 minutes with Dr Y were spent presenting my commitment to an initiative- Rumors of What's Possible ... After transforming worldwide banking and the internet which of the 98 other biggest markets do womens networks need to micro-entrepreneurially revolutionise. Lets YUnUS 1000 SMBAs in each city spread the rumors -the communal wishes to celebrate humanity - until they become brand realities. Future Capitalism has never been so interesting around this whole planet of ours.
Yunus Book tour day London 15 Feb 2008 Friday 15th February 8.30-9.10am – Interview at the hotel with Business Voice magazine 9.15am – Leave hotel and travel to the Guardian offices on Farringdon Road 9.50pm – Arrive at the Guardian for editorial conference 10.45am – Leave the Guardian and travel to Knightsbridge 11.15am – Arrive at Al Jazeera TV studios in Knightsbridge for interview with Sir David Frost 12pm – Leave studio and drive to Royal Automobile Club on Pall Mall 12.30pm – 2pm – Discussion and lunch with Economist journalists hosted by Chris Macrae 2.00pm – Leave restaurant and travel to BBC in White City 2.30pm – Arrive at BBC 2.45pm-3.15pm – Interview with BBC Radio 5’s Simon Mayo Show (live, in-studio) 3.15-4.30pm – Return to hotel for short break 4.30pm – Travel to LSE 4.50pm – Arrive at LSE 5-5.30 – Reception at LSE hosted by Bangladesh Students, Finance & Development Societies 5.30-6.00pm – Half hour break 6–8pm Lecture, Q&A and book signing 8–10pm Dinner at LSE
Entrepreneur scrapbook(Year 33) Revolution 2000 free the knowledge truths 1900 free from empires 1800- free from monarchs, lords of land | from 1984 on www sustainability entrepreneurs 1976-1984 service econ my's revolution beyond machine prooduction | ............................................................................................. In search of 30 Types of Truth Entrepreneur Media Entrepreneur - spasmodic since 1840s - James Wilson Service or Intrapreneur since 1982 - main origins Guifford Pinchot & Norman macrae now aka Organisational Democracy- great practionres include SW Airlines and Virgin Social entrepreneur -main investor since 1978 Bill Drayton -typical early example: Florence Nightingale Micro/Poverty/Rural Women Entrepreneur since 1970s -main solution franchise microcredit- eg Yunus, Grameen Truth privatization entrepreneur -= since 1970s- eg Fazle Abed, BRAC Education Entrepreneur - Gandhi Family for last 50 years (following on from Mahatma Gandhi and maria Montessori from 1920s) Peace Entrepreneur - Gandhi - Satyagraha 1907; first great success India freed from English Emerging more detailed foci: Youth Entrepreneur Empowerment/Development Entrepreneur- revolution to Bottom of Pyramid Entrepreneur - CK Prahalad - research since 1990s Sustainability Entrepreneur Many more con texts you can help us pattern - mail ideas to info@worldcitizen.tv |
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Muhammad Yunus Transcript, London School of Economics, 15 Feb 2008 -we've added 10 subsection titles -have a better suggestion, mail info@worldcitizen.tv
LSE Talk
1 MINDSETS : THIS GENERATION’S BIGGEST RISK
I will not go into the details of Grameen bank. We started back in 1976. The only thing I would like to mention is I was not a banker, no training in banking of any kind, ..I was teaching in Chittagong University, teaching economics, but I was gradually drawn into it –without any kind of background in lending money or banking – that was the circumstances which pushed me into it, I never designed it that way, people think about their future in terms of what they would be – as a child we do that we want to become a pilot or a filmstar or a firefighter but not even as a child did I think I would be a banker, and of course when I grew up that thought never came into my mind.
But this is what I became, people introduced me a banker, so here I am., But what we did could be done because I knew nothing about banking..if I knew about banking probably I wouldn’t have done that. So this is one consolation for people who don’t know things...there is a great future waiting for you.. This is an advantage- sometimes a real advantage not knowing – because if you know things you inherit a mindset. And once you have that mindset you cant breakthrough that mindset. And this is our biggest problem in life : breaking through the mindsets. And institutions of higher learning where all these mindsets are really formulated; and once you go through it, you thought you received knowledge giving you a very clear vision to see the world; in reality it may be the other way, you lose your vision, the freshness of your vision is lost, because we try to imitate, fall in line with the existing thoughts.
This is the most unfortunate part of the educational process - the way I felt all along :in the process of education we become the mini-professor; the professor who taught us and we follow the professor so closely we turn out to be a tiny image of that professor. That’s we have such a school of thought and such a school of thought – how come in that school of though some other school of thought does not penetrate. Because everybody follows that procedure. I mention this because the greatest battle I have to fight is mindsets. People tend to think the way they are trained to think- they cannot get away from it. So this is a change for academic systems – how to retain freshness of mind whilst bringing knowledge to students.
2 TALES OF 2 BANKING SYSTEMS – WHITHER SUSTAINABILITY INVESTMENT?
If you look at Grameen bank for example – if you raise the question how did you decide on the procedures that you gave created in Grameen bank, how did you design these things, where did it come from whatever you have done- my answer would be a simple one – it is not exactly what it is but it describes what it is- in a lighter vain I can say whenever we need a little procedure in a specific case of in doing our work in Grameen bank in the early years we just looked at the conventional banks, what do they do in such a situation, and once we figured out what they do, we just do the opposite. So if you take piece by piece almost you will see the reflection of it. Everything we do - almost the opposite of what the conventional banks do. So sometimes people think that microcredit means giving tiny loans, which is true but they don’t see how the whole system works – then the real microcredit will come out. The basic principle of banking is : the more you have the more you can get. That’s the basic principle. You have to have a lot to get lot. The corrolary of it: if you have less, you get nothing
And we reversed that basic principle. Our principle sis: the less you have the higher attention you get from us. If you have absolutely nothing then you get the highest priority. So we started from that basic premise and built the system on that.
Conventional banks look at your position/ your wealth and against that they give you new money to accumulate more. We dismissed that on day one: we said that if you want to do business with the poorest people to ask for any position – and design system on base of that – is useless and ridiculous. So we don’t have any collateral in Grameen bank or microcredit programs – so no collateral , no guarantee, no lawyers, we don’t have any lawyers. And these are the basic features of the conventional bank. You cannot go to a conventional bank and do business with them without lawyers looking over everything you do. So we said it would be useless to have all those things – and we designed something that does not depend on that. So basically it is a trust-based banking, and funnily enough it works. And its particularly amazing at this moment when you see the subprime crisis where you have the collateral, the lawyers, everything but it didnt work – you are now ready to write off some 400 billion dollars.
3 FAMILY IS CULTURAL CORE OF HEALTHY SOCIETY COMPOUNDS STRONG ECONOMY NOT VICE VERSA
And microcredit is going on with us for 31 years, and many more orgs for lesser time, but is a globally operating system. One common thing you hear about MC is a very high repayment rate 98-100% despite the fact that you are doing business with the poorest people. And conventional banks want you to have lots of experience in the business for which you are borrowing money. You are supposed to be an expert in your business. We go to women to tell her what Grameen bank will do , encourage her to take a loan and get into some income generating activity; and her answer is always please dont give me money I dint know anything; she will repeatedly mention I dont touch money, I never touched money in my life- give it to my husband. But we dont walk away. In the beginning my students, who were working with me were frustrated – why dont you forget about women? – they say they dont know anything , how can you give something to people to do to use money when they say they dont know anything about what to with the money. So repeatedly i needed to talk to them... that when the women say they no I dont know what to do , dont take it as their answer this is not their voice; this is the voice of the history- the history that generated fear after fear in them and made them believe that they are nobody; they have no capacity to do anything except to take care for the children and the family. So that’s how when you come with the money , they kind of get scared, something terrible will happen to them, so our job is to peel off that fear, layer by layer, so that one day we can build enough courage in them that one or two will say: well let me try. So that’s the day we will be waiting for- so dont give up. We had to work for 6 years to bring the level to 50-50 –because this was our initial decision that half of our borrowers must be women. Because I was complaining against the conventional banks – not only are they wring by rejecting the poor people from their system, they are also wring and unjust to reject women for their system – all kinds of women any levels of income., I pointed out that not even 1% of their borrowers were women. This was mid 1970s when I was complaining. Today in 2008, you can almost repeat same compliant in Bangladesh. The situation has not changed. So when I began I wanted to make sure half the borrowers in my system are women. So that’s why we try to encourage women for 6 years. Once we achieved that we saw that the money that went through to the family by women brought so much more benefits than the money that went to the family through men. So we started asking the question what is so good about 50:50? Why stick to 50:50, why mot open up and concentrate on women if it is so good with them. So we did –and we started focusing women as a result we moved from 50 to 60 to 70 to 90% .
Today we have 7.5 million borrowers in Bangladesh – 97% women. And they own the bank- this bank is owned by the borrowers themselves.
We encourage the children of Grameen families to go to school. So we came up with a system where we finally succeeded in nearly 100% of children being n school. Then we started giving scholarships because some of these children not only went to school but they were at the top of the class- This is a kind of a thrilling experience to see - not only for first time in the whole history of their family did someone go to school, but he or she is top of the class. Every year we have a little ceremony in the village honoring the new recipients of scholarships and recognising their parents and invite all the important people of the village so the family and the child feels tall that they have achieved something. Last year we have given 51000 children scholarships for their performances in the schools.
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http://www.librarything.fr/author/yunusmuhammad  | Auteur: Muhammad YunusAussi connu sous le nom de: Mohammad Yunus, Mohammad Yunus, Mohammed Yunus | 308 | 9 |  (4.05) | 0 | 4 |
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Notes for The Margin
We're at work absorbing these leads...
Great fan of Toolkit Citizen Particpation which also has intriguing search categories to identify tools with -eg this is what media toolkits it classifies
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My father interviewed as many leaders of the broadcast era (1950 to 1990) as just about anyone. You can see many of his country future histories in The Economist- starting with his 1962 predication that Japan was on an upward exponential, which no Western commentator with the exceptions of (help us list : Drucker) believed to be a wise forecast, but my dad knew from deep (ie ask ordinary industrial people not politicians and certainly not PR agents) research to be a megatrend that was already spinning.
When you ask my father so which national leaders' governments helped their peoples to innovate through the next great change that was enveloping the nation he says: none, pause unless we count governments that got out of the way - eg just after world war 2 Japan's and Germany's while the people like Sony's Akio Morita got on with rebuilding future international market capabilities.
When prompted again, my father comes up with some small countries: - eg Singapore had a near perfect government for its rising exponential. Then there are 2 national teams where some leaders have done extraordinarily well over a generation but their partnering institutions in leadership have messily heckled so that the progress has been slow if sustainable. In this category, let's dare mention what's been good and bad about India and the United Kindgom - 2 regions my family trees come fro most
Gandhi as refereed by Einstein was the greatest upturn national leader ever seen. His system for developing India has not always been truly applied but economically Manmohan Singh's economic decisions have been the best ever sustained over 15 years by a central banker or national leader. And the ethics of Sonia Gandhi should be a case for every truth-loving Indian to rejoice.
Turning to Britain; we have had in the royal family Queen Mother and current Queen: the 2 most ethical leaders any country could be blessed with. Given this it is amazing how other constitutional partners have not played the upward exponential the way the Queen and her nations cross-cultural peoples merited. Let's leave out prime ministers from this appraisal - and ask how is it that the world service and largest public broadcaster could have had such a volatile exponential instead of one that constitutionally partnered the people and the queen. Please help us make an incident report over the last 40 years which cut the BBC's purpose from exploring the greatest a public broadcast sector could be in inspiring up a nation to not that much better than any commercial broadcast network's dumbing down and lack of appetite for investigating questions that big powers may not want innovative peoples to hear about.
Example:
During the Wilson Government, the BBC needed its biggest rise in licence fees from each public household as it was transforming from black and white one channel tv, to colour and more channels. Wilson was having a bad time with the Unions and did a get-your-license increase deal with the BBC governor. Your newscasters will not use the word strike but industrial action, and your interviewers will never stage programs on political issues without ensuring there is balance of left and right (as if this one dimension represents the whole of human in query). Normally my father would have had a great time exposing this monopoly on human speech, but his new editor Alastair Burnett also had a night job as tv anchor on commercial tv channels. The one story which Alistair thought it would be unfair for anyone ion The Economist to cover was broadcast tv's public and commercial scorecards. Whilst the BBC has freed itself from the vocabulary of industrial disputes, it has not to this day liberated public discussion on any issue that politicians call political from the absurd notion of one dimensional party political balance. Almost no issue of world crisis relevant to me or my child is resolvable by voting left or right, and certainly none is reconcilable by voting for the 5-year party political interests that are the longest period of time any British Prime Minister cares about. Indeed, in very non-transparent ways such as stealth taxes, recent British Prime Ministers haven't cared about any future time period's truth at all as long as they can disguise inquiries into the truth as was evident in the war between Blair and the BBC which preceded the decisions of whether Britain as a nation thought America's plan for an Iraq war was sustainable or otherwise worth-life in ways that ordinary people would like to be cross-culturally debated at the grassroots and not just by those who can hear Big Ben.
As another example, in the early 1990s, both parties started to get worried that the BBC might gain more respect for truth across the British public than their posturings ever again would in an age of technology's knowledge-flowing networks. So they sent in the worst sort of accountant who redesigned the whole of BBC's organisational system in small boxes. If you can’t justify the worth of your separate type of programming content , out it goes. These blind accountants- who incidentally have now been proven to use maths that compounds destruction of deep purpose and any innovative wealth - ripped BBC radio apart, and rippled fear through the governors of the BBC which is spreadsheet to this day.
I know a 500-strong network of architects who are ready to realise a dream : Qutopia. Unlike Disney’s Epcot, magical good news is actually achieved by each summit or sustainability-hunting network that visits Qutopia. For example, perhaps the first summit is among national leaders who are scared by petroleum shortages. When you get to Qutopia, you find that no carbon energy is used at all - the buildings photosynthesise all the energy they need, and demonstrate how this can be done with all shapes of building in just about any hot country.
Perhaps the next group to go there is a thousand kids from around the world. Maybe the Bill Gates Foundation sponsored a competition to find 1000 children who wanted to meet every culture under the sun and who are so highly trusted in their peer networks that cross-cultural waves of harmony percolate out through youth ; or perhaps a 1000 New Orleans meet to finalise a blueprint that transparently includes every constituency in the regeneration.
And perhaps the BBC has been in voted to be the media broadcaster out of Qutopia. The strict rule : wait until the group have a positive out come to announce, and help them celebrate it. By all means follow the conflict resolution processes that often come first before sides innovate world changemaking, But show the edited highlights after all sides have got it together and even heroise the struggles they went through to make it but don’t stuff a global camera up everyone’s nose while they are opening space to transform a community disaster into a sustainable way forward.
If you think I am teasing about architectural solutions being the only ones likely to steer humanity through global climate's inconvenient truth, drop me a mail at chris.macrae@yahoo.co.uk explaining what sort of application you wish to architect if our network’s experts can convince you that in terms of clean energy revolutions, they are one of the 21st Century's real things.
we'd like to display your biggest questions - info@worldcitizen.tv
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4 FREE MARKETS FREE WOMEN (or whomever history has discriminated against whereas conditional aid spins white man’s burden) Then we saw these students gradually moved into higher education -; so we introduced education loans, we have 21000 students on education loans going to medical schools, engineering schools, universities, some of them completed phds some scholarships in international institutions – and now we are offered scholarships from Harvard, York College n NY, MIT is considering offering scholarships to children coming from Grameen families. So this is an amazing kind of thing that you notice. When I go to the villages meeting these women who have been working so hard to make a difference in their life, it is an amazing experience being with them. And now I see a new phenomenon coming, added to that, when I visiting the daughter from the city comes in having just finished her degree in medicine. She is a doctor practising now- so I see the mother and the daughter standing side by side , one is an illiterate person who joined Grameen bank 15 years ago, took tiny loans started her life, sent her daughter school , now she’s a doctor- so you can not escape the though entering your mind looking at these 2 ladies standing next to each other that her mother could have been a doctor too. But society never gave the chance to her mother – all we have done through Grameen bank allowed her to improve her income and the capacity to send her daughter to school and ... to become a doctor. Our mother must have the same elements in her- there is no reason why she should have less than what her daughter has. ... 5 POVERTY IS A SYNONYM FOR FAILED SYSTEM The conclusion you come to is that poverty is not in the person, it is created by the system. So if you want to address the issue of poverty, it is not rushing to her but rushing to us – what did we do wrong, where did we go wrong, fix it up – if we can pick up the seeds of poverty that we have put inside all the institutions , policies, concepts we have built, nobody in the world will be a poor person., There is nothing wrong in the human way. We messed it up and them blamed them – ah these are lazy people or whatever! Sometimes I describe poverty by comparing with the bonsai tree- the little tree that you grow in a flower pot. If you take the best seed of the tallest tree in the forest, and put in a flower pot, it doesnt grow at all , it grows this big. And you wonder what happened to this tree, why doesnt it grow,. There’s nothing wrong with the seed, we picked the best seed. Thing that went wring was the base we allowed that seed: the flower pot; so it couldnt get the nourishment to grow as tall as the tree we saw in the forest. And I try to explain that the poor people is bonsai people, there is nothing wrong with their seed, only society never allowed them the space to grow. So its not their fault. The fault is not in the seed but the base we provided to the seed. So if we change the base they will be as tall as anyone else. So that’s the challenge : how to change the base so people can grow 6 POVERTY CAN ALSO BE A PLACE WITH MOST TO GAIN FROM LIFE-CRITICAL INFORMATION BEING OPENLY NETWORKED In Grameen bank. We encourage the children to go into education, to create a completely new second generation because getting out of poverty is just simply crossing the line. In a country like Bangladesh, crossing the line doesnt ensure you remain out f poverty. Because we are a country with all kinds of disaster happening all the time. Flood is a very common phenomenon – last year we had 2 major floods and then on top of it we had a big cyclone at 250 km per hour speed ; it blew away peoples possessions, then a tidal surge came and washed away - killed people, eliminated their livelihoods and so on. So that’s the environment where we live. So we thought if we can concentrate on the second generation - to grow into a different kind of persons - so that they will be far far away from the poverty line, so that even if a disaater comes they will not be pushed back into poverty- so that’s our effort to make sure we can do that 7 GRASSROOTS SYSTEMS LIKE GRAMEEN ARE HI-TRUST SERVICE FRANCHISES Several features that I will quickly mention illustrated by what we practice at Grameen bank. We have 2500 branches all over the country –each branch is graded by a 5* evaluation system, like hotels. Our branches are always looking at number of stars shows level of accomplishment they have reached. Green star means 100% repayment record for the whole year. Blue star means they have enough surplus of deposits over loans they give. Each branch has to find its own money , monyt does not come from anywhere else not from head office, not from neighboring branch. When we open a new branch, literally we literally give an address to the branch manager. Here is the place you are supposed to open a branch, go and open the branch. We dont give you any money. He goes to the address, finds it where its suppose to be, his job and colleague who accompany him to start the branch is to mobilise deposits as a bank. He still doesn’t have an office yet, but he starts mobilising deposits. As he starts mobilising deposits his task is to organise poor women in village so he can start lending them money because hen the income starts coming in. So he must rely 100% on the deposits of his branch to lend out money and then create a cushion, a surplus so thgat in emergency situation still he doesnt have to borrow any money. So if branch gets such a surplus it gets another star. Our basic principle is when you open a new branch, not only you run branch with money you mobilise in locality you must get to a break even point within 12 months. And they do that within 12 months they come to a break point – and get another star the brown one. The fourth star comes when all the children of Grameen borrowers are in school. Not a single child is missed. Then you get a violet star. On average a branch has 4500 borrowers (with 10000 children) so this is quite a tough task, They work very hard to see why anyone is left out, why someone has dropped out and how to get them back in school, its a continuous cycle but when you have ensured that you get the star. And when you have all these 4500 families out of poverty, not a single family in poverty, you get another star. S when a branch has 5* this is quite a significance achievement for anybody. I tell my colleagues if I ran the country, I would give 5* a state honor because after all helping people get out of poverty is what the state is trying to do but you have done that with no cost to taxpayers, you have done it on your own, the money came for the locality, donors didnt help you out, its all yours. So having a 5* branch – you have solved the problems that you set for yourself If you ever visit a Grameen branch, first questions to ask are how many stars have you got and what colors. Then you know what they have done – if they say they have 3 stars then most likely they will say we will get our fourth start by April this year because everyone is planning when their next star is . When I meet 100 village staff, the traditional pattern is the 5 stars sit at the front, 4* in the next row back and so on. And those in the front sit with pride- we dont give any financial benefit to 5*. I have always said that financial benefit will take away their pride –its not something you convert in money, you stand tall you have done the work, this is your pride you have contributed to your society. And when I meet someone with no stars, I always hear somebody saying dont worry the next time you come next I will be at the front. He knows he has to earn a lot of stars, he’s assuring he’s working on it. That kinds of energises the whole system that you are doing something you take pride in – important thing that you do
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20 Collaboration Entrepreneur Network Priorities in 2008 -info requests welcome info @worldciiozen.tv
To tell you the truth, many of our collaboration teams made a real pigs year of the marketing interfaces of challenges (where correspoding) in 2007; hopefully the lessons and the network actions are ready just in time for changing over to community-up economics and sustainability globalisation in 2008
| solaroof clean photosynthesis applied to A) agricultural markets; B) bubble-roof buldings such as 200 person peoples sustainability; C) replacing coal-fire electricity generation by clean algae oil: D) 10 times better carbon offset projects than plant a tree |
Collaboration Cafe is a Transaltantic one-hour meeting process in which a deeply experienced person guides up to 10 potential disciples. For example, a leading social entrepreneur may be visiting a foreign city on other business but gift an hour of his time to the 10 people in the city who most want to help replicate his humanitarian service model. Intermediaries for Collaboration Cafe build up extensive permissions to inquire for networks' most contexually relevant practitioners. E perience between cities and over time also helps catalogue the most urgent collaboration agenda of our times and the most trusted collaboration entrepreneurs. |
Be the benchmark city for Yunus1000 Forum -can London invite the most collaborative 1000 people advancing community-up sustainability and changes towards a win-win-win global |
Develop the best social business models for hubs across a city |
Make the intrapreneurial case |
| Collaboration Entrepreneur Gap in virtual media world: there seems to be a gap in mobilising actionable projects matching urgent community-up development goals and local sustainability crises. Simply speaking this is to catalogue best benchmark solutions so far known inviting open improvements. The delightful dynamic put in play by Dr Yunus is that as a banker investing in local entrepreneurial solutions he is openly searching for improvements not seeking to fundraise for one competitive model against another. For 24 years now 2008 seems to be the right time for worldwide collaboration learning houses of Social Actions, Social Businesses etc to come of age and for a virtual community platform - that doesnt need to be the tech smartest but does need to be the most transparent win-win-win for all to help change the world. This can also be a way ahead to introduce fully developed empowerment economics. Congruent with this intercitizen efforts are Yunus1000 citizen forums celebrating humanity of this with the value : impossible becomes possible if right action time place people. |
London's ad hoc Social Action Committee exists to accelerate Londonwide awareness and participation in this local to global call by Muhammad Yunus. Any groups of 3 youth (or others) conceive a social Action when they commit to practice social changemaking around a specifically selected but year-long goal. This is great teamworking practice for those who may later systemically design a Social Business or help play lead roles in making capitalism sustainable. |
Action learn the most from 1000 readership club of Yunus new book: creating a poverty free world: Social Business & the Future of Capitalism |
Leverage Unseen Wealth evidence of 2000. Change the way sustainability investment decision-making is made to reflect the infinite potential of human being |
Leverage the window of opportunity to give people transparency everywhere |
| With regard to the need of Free Universities for receiving open source peer to peer curricula of vocational relevance, London could become a lead city by cataloguing what subjects and experienced practitioners are ready for just doing this. |
Social Business Stockmarket - Londoners could support Dr Yunus by being one of the lead to respond to his call for every major city to form a stockmarket for buinesses whch are purpose driven not just 90-day money-driven. Dr Yunus has proposed a specific set of criteria for certifying eligible social business |
Be the best city at connecting summits of world entrepreneurs |
Campaign for Larry Brilliant's governance of network boundaries by early detection early response (of compound risks) |
End the white man's budren of global aid |
| Micropublishing: this is a form of publishing designed round maximising shared knowhow across disciplines and open sourcing collaboration wishes of open source educators and sustainability leaders. Maximise immediacy of free info sharing between practitioners in need. While a lot can be achieved through virtual downloads, a community often gains tremendously by sharing one custom-printed guide for all to have common access to. |
Encouraging the BBC to be the investigative mass media of http://peoplepower.jp and to understand that a definition of sustainability exponentials is a context where waiting for 100% evidence of a crisis is too late. |
Make the most of a daily 200 person free space for sustainability debates |
Raise public debates around Corporate chairman Ray Anderson's business case for zero-carbon industry supply chains |
As world's most culturally diverse city , take responsibility in leading east-ewst reconciliation |
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8 ENTREPRENEUR IS THE CREATIVE TALENT UNIQUELY PACKAGED INSIDE US AT BIRTH And in connection with that I will mention something else relating to pride. One of the criticisms often made of microcredit is : one has to be really entrepreneurial person to benefit from microcredit- so only the entrepreneurial poor benefit form microcredit. Whenever I hear that it really burns me up, because I firmly believe all human beings are entrepreneurs. No exception This is a package in which all human beings were born. It is not something that can be taken away still you call a human being. That’s how we came to this planet, survived on this planet, and that’s what we are. Some may have discovered it, others may not have discovered it - the talent inside them – because society never allowed them to discover it – so the wonderful gift of creativity , entrepreneurship and energy and innovativeness that each human being is born with – not every person is lucky enough to unwrap that gift – you got the gift, but nobody introduced you to that gift and ever allowed you to unwrap and have a peep at what you have got, you dont even know you die without ever knowing what you could have been, That is not her fault, not his fault, its the fault of the society that never allowed that opportunity. 9 FEMALE BEGGARS- DEVELOPING WORLD’S NUMBER 1 ENTREPRENEURIAL OPPORTUNITY FOR SOCIAL ACTION So after repeatedly debating this, about 4 years ago we said let’s demonstrate this. Let’s create a separate program where we exclusively lend money to beggars. My argument is you cannot be poorer than beggars and if they can show entrepreneurship, then you have made a point. So we started doing that – go to the beggars sit down with them spend hours talking – our first question: at what point in life did she become a beggar.? Its an important point : society has pushed and pushed and finally brought her to the tipping point –and she couldn’t take it any more and stretched out her hand: please help me I cannot survive anymore, help me to survive and feed my children. By understanding this process you understand the whole society, how ruthless it is to push a person to that level. After we go through this process, we said well : we can do something if you want to. As you go from house to house begging, would you like to carry some merchandise with you – some candy, some cookies, toys for the kids whatever people would like –if you’d like to do that we will be your financing. That will be your business and we will be your financier. And people started liking it, why not? And we encouraged thee and said after all you are going there anyway. This is no extra work for you. So give people option- and they may like to buy something from you or they might t lie to give you charity – and they have 2 options. It became popular with the beggars, but what is amazing it became extremely popular with our staff. I didnt expect that . I thought they would be grumbling we already have enough work. Instead they kept pressuring that they wanted to make more beggars into the program because I had made the rule that nobody can take more than 1 beggar to serve. They became so involved in it that they wanted to take more beggars. I said no just one beggar. My idea was if you have too many beggars with you will probably not pay attention to them ; so if there’s one you will pay attention. This is addition to their regular work – so they will be doing everything, this is additional responsibility, optional responsibility, nobody required to do it. We have 27000 staff and very quickly 27000 beggars were in our program!. And the staff were saying give us 10 beggars, we can handle 10, and I said no way.. The pressure became so unbearable so I finally allowed 2,3 4, step by step. Now we are at the 4 level so we have more than 100000 beggars in program. In the 4 years, amazing thing is that more than 10000 beggars have quitted begging completely – they are door to door salespeople – some are successful personal shoppers- because in Bangladesh like many other countries women cannot go to the market to buy simple things so she has to tell the husband please bring me matches, bring me this and when husband comes home at night ask did you bring it – oh I forgot – so now she has found a way – this person is becoming a go-between the market and the woman. And the remaining 90000 beggars I would say they are part-time beggars; they are mixing begging an selling at the same time but they are still in the process. My impatient colleagues – some of them why cant they get out of begging like the others: I said dont push them , that’s not what the whole idea is- they are in the process of closing down their begging division; and this is their core business-to close down the core business takes a lot of time, and in the mean time they have to build up their sales division so its a restructuring of their business. And when you talk to beggars, these are smart people. They tell which house is good for begging, which is good for selling – I say to myself this is good, they know the market segmentation! Its amazing. We never trained them – all we did was just a loan for things they would like to carry round. They figure out which is a best-seller, shifting into those items. And the loan: that we give- typical loan is 15 dollars. With a 15 dollar loan, if you can help a beggar to change his whole life – why can’t we do more of it? Society is so blind that wouldnt even allow this 15 dollar loan to a beggar who would like change his or her life. Our idea is very simple: this is a loan you have to pay it back whenever you can. But there is no interest on this loam; so it will never grow- so dont worry about it getting big. And there is no time limit, so you’ll never become a defaulter. So you are immune from all those worries. So again coming back, if a beggar can figure out how to run business and change his or her life, how can we say that they are to blamed for their poverty? If the system is at fault, who dont you fix the system. If institutions are at fault, why dont you fix the institution like banking for example which never gave any loan to poor people. Two third of the world population dont have the eligibility criteria to satisfy the conventional banks. So they are not creditworthy in their eyes – so why dont you fix those institutions. 31 years ago they could say they are not creditworthy. Today they cannot say that. The recent subprime crisis proved it again.: the poor are more creditworthy than the borrowers if the conventional banks. So this is the question, and I am raising the question again about institutions, the concept –and one concept I focus on is the concept of business. The concept of business : to maximise profits.. And I look at it: the economist, the theoreticians who built this theory – they assume that human beings are like money making machines, they look like robots, they just maximiae profits. But the real human beings are not robots, are not single dimensional human being of economic theory, real human beings are multidimensional human , that’s what the beauty of the human being, why cant we bring the whole human being into economics. Rather than cut off the real interesting part of human being and leave only the money part of human being. That’s not a fair interpretation of human being. So I am arguing that if you want to justify the totality of human being, you need at least 2 kinds of business: one that we already have making money, the other business is to do good to people , do good to the planet. 10 SOCIAL BUSINESS MODELS- SUSTAINABILITY INVESTMENTS SIMPLEST SYSTEMS I am calling it Social Business. It is a non loss non dividend company with a social objective. So if the traditional business, the one recognised in economics, is all about me -I want to benefit everything that’s why I run business it also has to come to me I am the owner; the other business is all about others nothing about me, just the reversal. Then we can put the two together, that what the human being is ;-the human being wants to make money and be helpful to others. That’s part of human being – you cant deny this. But today you can’t exercise that, if you want to exercise it you have to step outside economics and become a philanthropist involved with charities. Why cant we within the economic world be a fill human being. So that’s the idea of social business. And if we can create a Social Business this can be much more powerful than philanthropy or charity. Because in charity , charity dollar has only one life , you can use it only once. If you want to do it again ,you have to find another dollar to do it. So you are dependent on someone to repeat it because it doesnt go beyond one life. But if we can transform their whole thing into a social business, social business dollar has endless life, it recyles , and it is sustainable , it creates an institution. Charity does not create a permanent institution,. Its a program, you do it, achieve it, that’s the end of it . If you want to repeat it you have to have fresh money to do it again. But not in business, in business it just circulates. One of the examples I give in my book is the Grameen-Danone collaboration in a social business. We created this yogurt company as a social business, both sides agree for a social purpose there are millions of malnourished children in Bangaldesh—and other countries but we have our share – because their diet is so poor , so what we have decided is that we will take all the micronutrients that is missing in children and put these into the yogurt, all the vitamins iron zinc etc, and then sell this yogurt at a very cheap price to the children of poor families, and they will enjoy it because it is a delicious yogurt and they love it. And the company recovers its cost. Its not based on charity or subsidies. But both partners agree that they will never take any dividend out of it, because its a social business. In Social Business you dont take any dividend out , you can take back your investment money, exactly what you invested, but it stops there. Because all the profit made by the company is stays with the company to achieve the goal you have set for it. So here the bottom line is how much impact have you made in the life of people, that’s the bottom line. Unlike the bottom line how much money have you made in your business. By accepting the social business model we have a complete structure so that we can transform all the issues of poverty, healthcare, nutrition, safe drinking water, sanitation by social business models. And make a difference on all the problems we see surrounding ourselves, So then in the business schools that give you MBAs young people to be trained to joined the maximising company, we need another department at school that will be creating social MBAs trained to design social business how to measure impact, how to reduce the cost so you can go to the poorest people and improve the health, improve the social conditions of whatever social goal you have defined because the whole thing will be calculated completely differently.
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Entrepreneur scrapbook since 1976
Entrepreneurial scapbook, since 1976 N.A.Macrae.42@cantab.net (NM1),C.M.Macrae.72@cantab.net(CM1) us tel 301 881 1655 aSIN: association Sustainability Investment Nets http://www.bbc.co.uk/dna/actionnetwork/A...
Z Y X W ... Oh! Macrae & Macrae open source a bank of over 2070 Entrepreneurial Revolution (ER) cases - roughly that's 10 per year since the systemic term entrepreneur was coined by a French alumnus of Adam Smith - preneur "take between" entre We offer to guide you through: a selection of 2070 cases of the most revolutionary innovation stories seen around the world is to help identify members of the entrepreneurial tree as well as those who are not. There is one huge mistake to avoid first. Entrepreneurs never ever judge their success in monetary terms; always in humanly purposeful systems. Of course the architect of a system that empowers ever larger numbers of people to maximise their productive difference or to demand what human beings and society see as sustaining future progress may indeed earn large fortunes, But it is systemising purpose and innovation that serves the world which compounds goodwill and fortune not vice versa. If you don't understand that please call yourself whatever you like but not an entrepreneur and not an economist. The cases are not evenly distributed over the centuries. Many were collected by my father while he deputy edited The Economist over 4 decades writing more leaders than any other journalist in this medium's history. A lot more have been searched out through the net - something that has been our passion since writing the first future history on the net and whether it would sustain or end the world back in 1984
The following Intrapreneur resources are particularly faithful to Norman Macrae's 1982 survey on the service economy's post-industrial and empowerment revolution "we're all intrpareneurial now) in The Economist 1 2: -mail info@worldcitizen.tv with citations to be assessed; 1 good set of training slides-Pauline Kneale, Uni of Leeds
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5* Feedback: http://www.facebook.com/event.php?eid=9717794062
From 60 minutes on phone to rebecca today, I understand why there has seldom been a meeting africa which is more impossibly right time right people right place right action in everything I understand yunus 1000 citizen forums or social ABC bookclubs to be about.
5* Feedback
This follows on from 4 other 1 hour debriefs of the yunus rac luncheon of feb 15 which I have been fortunate enough to complete:
*tony manwaring www.tomorrowscompany.com
*alan mitchell (transsparency declaration, alan and I are 17 years into maths of media and measurement revolutions)
*tav ino
*Robert Knowles httP://ominworldview.com
as well as some continuous debriefings from the remarkable Lesley Williams, Mostofa Zaman, Peter Burgess and Mark Chaplin continued at http://yunusworld.blogspot.com
In our 1984 future history book on a networking world which completed a trilogy on entrepreneurial revolution (parts 1,2 published in The Economist 1976, 1982) we:
observed that the greatest tipping points in the history of human productivity coincided with one of 2 types of communications revolutions: transport's physical communication (eg industrial steam engine's train meant for the first time the average person moved more than 20 miles during their whole life), information communications (eg the invention of the printing press).
Networks would bring a crisis without precedence because:
they connected both type of communications revolution
their impact would wave worldwide in under one generation : between 1984-2024
if any of the systems we compounded through every global village had a fatal flaw over time, then that connectivity could vause waves of global destruction putting the question of sustainability of our children's children at risk
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MULTINATIONAL SOCIAL BUSINESS : FUTURE CAPITALISM CASE 1 So one of the issues that I raised with Grameen Danone, when I was asking what kind of cup do you use in selling yogurt because they sell yogurt all over the world. They showed me the cup I asked is it biodegradable, they said no its not. So I said why cant you make biodegradable cups I dont want to see Bangladesh rural areas littered with plastics just because we sold yogurt. They said well we will have to do some research. I said go out and do the research. So they went out around the world to figure out how to make biodegradable cups Finally they come back very excited, we have found it where what. In China, cups made of corn starch –very good material, which satisfies all of our conditions, and they brought some cups made of corn starch. And I said can I eat it. Why should you want to eat it. Because poor people are paying for it, why should they pay for something which they have no use for. Why cant you find a material that kids can eat alongside the yogurt. Their money shouldnt be wasted, They said we cant find this thing; I said you’ll find it. I said when I buy ice cream I get a cornet. And I love cornets. Why cant you find something like that. They said no cornets wont work. I said find the one that will work because that cup should also carry nutrition as they are paying for it. So finally they got convinced and said that they would ask their research facility in Paris. We will give the task to our scientist to find it. I said how long will it take. They said a year or so. I said can we make it 6 months. Because otherwise there will be useless expenditure on these cups people will be making but with no nutrition. The reason I mention all this is that the moment you design something as a social business a lot of other issues come up. In the profit maximising business you dont see that because you are busy to make the money, the bigger you make the container the bigger it is the more money you make ,so you make it bigger unnecessarily, you spend a lot of money on packaging just to lure you are in , you dont get anything out of it but they get the money in the process you waste resources. So if you fix the concepts and the institutions nobody will be a poor person in the world, so we can create a world free of poverty. And then I say the only place we will see poverty will be poverty museums. We will build a museum in London where they will show where poor people used to live in this country, and now there is no poor people in this country! And similarly in many other countries. And let’s fix the date on which we will inaugurate the museum in each Future Capital and country.
Thought for a decade to 2015: In a world where all human sustainability will compound round whether we connect transparency, truth, fairness and love in time : the biggest mistake we can make is to teach our children that the entrepreneur is the successful money grabber. To let anyone make this interpretation is a breach of the hippocratic oath of the economics profession as you can see if you go back to when alumni of Adam Smith economics coined the word in 1800. Put another way, you can be sure that google will remain the most valuable brand in the world whilst it connec`ts more goodwill among people that any other human relations system. To charter a brnad or an industry sector with a sustainable future the top 2 keys are : Just do no evil and sustain investment in your deepest purpose knowing that requires context specific metrics to over-rule any tangible standards accountants may invent. Two mathematical reaons for this guidance are:
Inside the new media : 1 google video
Countries assessed for entrepreneurial multi-culture:
unless you are measurable to your deepest purpose every cycle other metrics will compound deviation from and dilution around your purpose systems that are productive (from a learning human being to an organsiation worth the world valuing and interacting with) systemise tense relationships - any conflict that enters into such a systems soon compounds canerous interactions destroying goodwill and truly purposeful information flows; the way to be certain that this will be any system's fate is not to be transparently and humanly measurable to its greater purpose. As long the people who govern an organisation have flopw maps sufficient for the above systemic understanding,then the maths of sustainability investment is simple - if extraordinarily contextually detailed. If ever you (as a future pensioner, investor in your community or country) hear a boardroom (or any leadership team) moaning how complex truth decision making is, get as far away from the organisation or industry sector as you possibly can because what they mean is that they are being blinded by badwill metrics. And that is the riskiest way to command any living system let alone a network (including our living globe) that interacts system times system time system... Britain rated by ***** Anita Roddick (8 minute video) review: most do better on service entrepreneur, public service entrepreneur, on broadcast media, on real public debates, going beyond being ruled by numbers men;our saving grace is most of our immigrants have highly entrepreneurial cultures - ends with a wonderful protest story from elsewhere - how a corrupt local government colapsed in India because 50000 of its citzens got together and laughed at it for 24 hours!
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ER10 -TOP 10 VIDEOS FOR SUSTAINING HUMANITY- vote info@worldcitizen.tv | | click a pic to play the video
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