vote for top 100 microfranchises of net generation

[chris macrae]

Breaking News on 20000 Youth's Road to Atlanta2015 

• impact microfranchises

community update on 10 times : more economical banking, mobile-info collab, education ...

2014 celebrate our 30 year search - for 3 billion jobs creating microfranchises [e-mail]

additional resources on grameen bank: yunus the number 1 brand of microfranchise networks - 10 minute audio on how the bank worked during the 4th quarter of the 20th century up until mobile connectivity reached the villages;

Microfranchise

Jobs Goal, Twin Million Jobs Capital

Creative Lab partners

Sustainability Investors

 

click to understand why The Economist 1984 forecast entrepreneurial development of 30000 microfranchises needed to sustain net generation- help hunt out top 100 leaders of 2010s - youth's most productive decade http://wholeplanet.tv

.MF100: why top 100 microfranchise league table is being massively re-edited 20....

. Mref & Name..   000 *Bangla Microbanks- Grameen and BRAC - the pro-youth economics significance of microbanks can systematically be audited to the extent that they turn value chains bottom-up. Born of the new nation of Bangladesh's extreme poverty in the 1970s, these banks lead the world in the the number of replicable microfranchises they innovate - catalogue of where to help develop this curriculum> Furthermore, since 1996 Bangladesh became the first place to attract partnership in mobile village solutions to all the most vital needs youth and families have to be sustainable	. Sector.. Pro-Youth Investment banking and sustaining intergenerational community development of global village networking age	.. Gifting Nationality.. Bangladesh	. Notes .. see BBC 20 minute interview for intro to Grameen bank click for more notes on how Bangldeshi microbanks of Grameen and BRAC became the net genheration's greatest collaborators in search for microfrancises
00 MPESA	Mobile/Cashless Banking	....	...
. 0 *Grameen Kalyan..	. Health..	.Bangladesh..	. Notes .grameen kalyan www.grameenkalyaninfo.org  -started from interesting question posed by Grameen Bank when it started to design microinsurance- if  -in the then world poorest 100 million person nation (of which a near majority may be children) you have next to zero health service infrastructure in rural Bangladesh what can you offer for $1 per month health insurance per family. .got everyone ever connected with grameen to start asking this question in early 1990s and accelerated this search once mobiles reached villages from 1996 on -more.
..1 * Grameen Energy -gshakti	.Clean energy, health..	.Bangladesh...	.Exponential rising Success Factors (eg million solar installed doubling every 3 years) -depended on getting 1000+ engineers to live in villages  -massive logistics challenge only possible once engineers empowered by mobile phones another global village first of grameen with some financial help from Soros and knowledge support from Neville Williams whose own self franchise never quite inspired so many village engineers but was built pre-mobile age  - Grameen Energy is the most benchmarked case of the ashden energy Oscars  ...more..
2 * Grameen Nearly Free Nursing College..	..Education, health.	..Bangladesh with some help from Scotland..	.14 years of experimenting with village mobiles convinced yunus that 21st C health depends on mobilizing nurses as most tristed grassroots information and service networkers. By establishing a real college, Grameen is also in pole position to edit nursing training on moocyunus- world's number 1 job creating and free online uni.. more
.3 * Aravind ending blindness..	..Health.	..India with some help from worldwide Larry Brilliant..	.For microfranchises to be openly replicable they need to be their own simplest training module of what the service model does and doesn't We don't know of a more complete training specification than aravind's franchise which serves the best franchise for ending unnecessary blindness - very affordable, highly productive service team and network, high quality.. more
4 * BRAC Schools	.Education. quality primary schooling starts at $32 per student year.	..Bangladesh..	.Started as rural Bangaldesh's (only) primary school network, BRAC now offers solutions to benchmark at every grade..Neither BRAC not Grameen would share the honors of world's number 1 pro-youth banking model without the massive rural reach of BRAC schools- youth educations being number 1 investment that 15 million village mothers made thanks to empowered to be income generating -BRAC is the most benchmarked case of the WISE education Oscars - more
5 Bkash by BRAC..	.Banking..	..Bangladesh with idea support Nick Hughes..	..Bkash is not just the benchmark for the cashless banking revolution but may be the only future youth have in countries where politicians have ruined the official currency - the greatest economic error of the 20th century as diarized by the IEA's first 100 Hobarts. Those pioneering primary curricula of financial literacy  (ag Aflatoun) also see Bkash as a fantastic future partner .. more
6 * Free University.by Blecher.	.Education..	..South Africa..	...
7 * Khan Academy..	.Education..	..Bangladesh expat living USA..	...
8 * Jamii Bora www.jamiibora.org ..	..Banking &.	...Kenya, Sweden.	.semi-urban youth's most exciting microbanking model- note unlike what Bangladesh had to build from scratch in 1972, Jamii Bora only started after all operations could be put on mobile phone and has used his community buying power to just-in-time save old knowledge hubs (eg missionary hospitals) from extinction - in 2009 Queen Sofia (of Spain and Greece) announced that up to 60 southern nations needed to understand JB curriculum more urgently than any other - more
9 IHUB and ushahidi...	.Open tech and risk mapping..	..Kenya..	...
10 ILAB...	.Open tech & risk mapping..	....	...

format note - while we update mf100 - we are conscious of need to linkin top 100 MOOCwho. In the 2010s fast changing decade of open education, there are times when it is simpler to map a heroic microentrepreneur to mooc with than all the microfranchises their partners are collaborating around  (eg cashless banking or khan academy) opened up

 

legend: many microfranchises have virtually free training modules built in - asterisk used to denote this in table below  (eg grameen's first million members enjoyed a free 5-day 5-person training course in empowering women however illiterate their starting point - Paulo Freire's method being pivotal to this ) 

. Mref & Name..   000 *Bangla Microbanks- Grameen and BRAC - the pro-youth economics significance of microbanks is degree to which they turn value chains bottom-up and the number of replicable microfranchises they innovate - catalogue of where to help develop this curriculum	. Sector.. Pro-Youth Investment banking and sustaining intergenerational community development of global village networking age	.. Gifting Nationality.. Bangladesh	. Notes .. see BBC 20 minute interview for intro to Grameen bank click for more notes on how Bangldeshi microbanks of Grameen and BRAC became the net genheration's greatest collaborators in search for microfrancises
00 MPESA	Mobile/Cashless Banking	....	...
. 0 *Grameen Kalyan..	. Health..	.Bangladesh..	. Notes .grameen kalyan www.grameenkalyaninfo.org  -started from interesting question posed by Grameen Bank when it started to design microinsurance- if  -in the then world poorest 100 million person nation (of which a near majority may be children) you have next to zero health service infrastructure in rural Bangladesh what can you offer for $1 per month health insurance per family. .got everyone ever connected with grameen to start asking this question in early 1990s and accelerated this search once mobiles reached villages from 1996 on -more.
..1 * Grameen Energy -gshakti	.Clean energy, health..	.Bangladesh...	.Exponential rising Success Factors (eg million solar installed doubling every 3 years) -depended on getting 1000+ engineers to live in villages  -massive logistics challenge only possible once engineers empowered by mobile phones another global village first of grameen with some financial help from Soros and knowledge support from Neville Williams whose own self franchise never quite inspired so many village engineers but was built pre-mobile age  - Grameen Energy is the most benchmarked case of the ashden energy Oscars  ...more..
2 * Grameen Nearly Free Nursing College..	..Education, health.	..Bangladesh with some help from Scotland..	.14 years of experimenting with village mobiles convinced yunus that 21st C health depends on mobilizing nurses as most tristed grassroots information and service networkers. By establishing a real college, Grameen is also in pole position to edit nursing training on moocyunus- world's number 1 job creating and free online uni.. more
.3 * Aravind ending blindness..	..Health.	..India with some help from worldwide Larry Brilliant..	.For microfranchises to be openly replicable they need to be their own simplest training module of what the service model does and doesn't We don't know of a more complete training specification than aravind's franchise which serves the best franchise for ending unnecessary blindness - very affordable, highly productive service team and network, high quality.. more
4 * BRAC Schools	.Education. quality primary schooling starts at $32 per student year.	..Bangladesh..	.Started as rural Bangaldesh's (only) primary school network, BRAC now offers solutions to benchmark at every grade..Neither BRAC not Grameen would share the honors of world's number 1 pro-youth banking model without the massive rural reach of BRAC schools- youth educations being number 1 investment that 15 million village mothers made thanks to empowered to be income generating -BRAC is the most benchmarked case of the WISE education Oscars - more
5 Bkash by BRAC..	.Banking..	..Bangladesh with idea support Nick Hughes..	..Bkash is not just the benchmark for the cashless banking revolution but may be the only future youth have in countries where politicians have ruined the official currency - the greatest economic error of the 20th century as diarized by the IEA's first 100 Hobarts. Those pioneering primary curricula of financial literacy  (ag Aflatoun) also see Bkash as a fantastic future partner .. more
6 * Free University.by Blecher.	.Education..	..South Africa..	...
7 * Khan Academy..	.Education..	..Bangladesh expat living USA..	...
8 * Jamii Bora www.jamiibora.org ..	..Banking &.	...Kenya, Sweden.	.semi-urban youth's most exciting microbanking model- note unlike what Bangladesh had to build from scratch in 1972, Jamii Bora only started after all operations could be put on mobile phone and has used his community buying power to just-in-time save old knowledge hubs (eg missionary hospitals) from extinction - in 2009 Queen Sofia (of Spain and Greece) announced that up to 60 southern nations needed to understand JB curriculum more urgently than any other - more
9 IHUB and ushahidi...	.Open tech and risk mapping..	..Kenya..	...
10 ILAB...	.Open tech & risk mapping..	....	...
11 Ibrahim foundation and Africa24tv	.Mediating leadership transparency..	.Pan-Africa...	...
12 University of stars models since 9/11 led singforhope...	...	..Bangladeshi & Russian Expat living in New York..	.Mashup 3 ideas - a nation such as usa needs to sustain 2 million youth community peacemakers, the valuechain of superstar entertainers is the least free market in the world , budding superstars need highly customized education/mentoring if they want their lifetimes to have any impact beyond celebrity tripping.. more
.13*  www.Coursera.org ..	.Education..	....	.Accidentally returned the core of the web to Berners Lee 199 start up- in a free knowledge economy anyone who can compile a 10 minute online presentation may offer the greatest training module millions of youth need to virally interact next.. more
14 * MIT	.Education..	....	.we map this university's alumni to have mobilised more microfranchises smartest value multipliers than any 10 pay-for universities you might choose. it helps to have a digital media lab founded by negropronte, to have berners lee in residence, to be where the idea of ending villagers digital divides was conceived,  to have become the world leader in student entrepreneur competitions both socially envisioned and business-led, to have been longest into actioning open education-- and the square mile from kendall tube enjoys more future industry's r&d labs than anywhere in the known universe. truly Boston Strong .. more
..15 * Gordon Dryden www.thelearningweb.net.	.Education..	..New Zealand..	.Senior pioneer of internet changes education ..ideas celebrated by 10 million Chinese parents, and may be best seen as a living exhibition out of Singapore,,
.16 School in the clouds Sugata Mitra..	.Education..	.India...	.Could you ever look at western history of schooling systems in the face again once you know of this?..
.17 * The Gandhi Family's School..	..Education.	..India..	Kept Montessori so relevant to second half of 20th century that 50000 children in Lucknow share the Gandhi's curriculum - will the extraordinary knowhow of CMS.. be fully valued by those designing open education . more
18 Jack Ma- China's Digital Robin Hood	...	....	.Jack Ma once invited Dr Yunus to celebrate the collaboration challenge of who would be next to create 100 million jobs- that's when Ma saw how his leverage over who owns what digital marketspace in china could help empower that - goodness what will happen when he gets into china's equivalent if the khan academy, but it will be smart to offer yunus a starring role ... more
19 Maker Faire...	.Revalue value chains..	....	.Celebrating artisan skills - bridge this between community markets and community education selecting what generations of knowhow have made uniquely local..
20 * Free poultry market - by eg BRAC...	...	..Bangladesh..	..Created 100000 jobs by redesigning value chain around 5 jobs each of which is celebrated with a reasonable income for smallest producers provide they are hardworking and meet microfranchise's quality
21.* Free dairy market by BRAC..	...	.Bangladesh...	.Similar impacts to freeing poultry markets..
22 2013 Free Garment market	...	....	.If the wprld doesn't seize opportunity to free bangaldesh garment workers from factory collapses killing 1000+ workers - then something will be very depressing in the way we communicate. Global accountants got all supply chains wrong in 1990s when they advised branded clients to quarterly lower cost irrespective of responsibility. It was never adam smith's idea of a free market that non-transparent supply chains would hide which fashionable images you are wearing made by killing co-workers.. more
23 * Free Communities hardest workers from loan sharks... The Grameen Bank -also at 00 where we look at Microbank infrastructure as part of the founding nation's development	...	.Bangladesh...	.While the idea came to Dr Yunus in one 1976 experiment, it took 7 years for his female founding partner Mrs N Begum to design both the 16 decision culture that village mothers wanted and to specify the job of the branch manager to care for 60 village centres of 60 women members a week  integrating their community market needs, knowledge development as well as their financial services -more..
.24 * Freeing childrens first 1000 days of health..	...	..Bangladesh..	.In Bangladesh, 20% of infants died until the local presence of Grameen and BRAC shared the knowhow of oral rehydration, Of surviving infants many were night blind due to vitamin deficiency - the microfranchise solution - grameen bankers first non financial service selling small packets of carrot seeds with the result that each banking centre's franchise became twinned with a vegetable garden! ..
.25 * Freeing sanitation and safe roof over family's heads..	...	...Bangladesh.	.Grameen was awarded the aga khan prize of architecture for the least costly building structure ever designed to be monsoon and cyclone proof and to include a pit latrine..Well over half a million members participated in this franchise- it had an extra impact with Grameen insisting ownership of this franchise was a women's only right .more
26 * Seed science by BRAC freeing top 20 horticulture value chains a particular nation needs to free for bottom-up ... discuss does US get open crop science	...	...Bangladesh.	.BRAC researches seed science that maximize crops for small farmers in Bangladesh with notable impact on value chains or rice and maize .more http://afsp.brac.net/index.php?option=com_content&view=article&... refer also Borlaug, Nippon Institute. currently usaid has major problem ofot having the deep contacts needed to do this country by country in www.feedthefuture.gov
.27 TGMP Turkey Grameen..	...	..Turkey ..	...Over 50000 members http://aytenzturan.wordpress.com/2012/06/17/aziz-akgul-addressing-u...
..28 ADIE Europe's authentic microcredit.	...	..France..	www.adie.org founded by Maria Nowak is just about the only non-bank owned microcredit in Europe - loans have been made to 60000 enterprises that would otherwise have been unbanked .http://www.fininc.eu/efin-savings-working-group/members/adie,en,172...
.29 MasterCard scholars program _..	...	..Africa..	..While new, we believe this $500 mn partnership program has the right partners in youth investment to be worth watching . http://mastercardfdnscholars.org/partners/
30 The Chinese Restaurant (compared with the Mcdonalds)...	...	....	.Whats common between these 2 worldwide formats is a food recipe can be replicated consistently so you can be anywhere and be served the same taste. However a Chinese restaurant configured around the open source wok can be an intercultural local economy builder whereas the Mcdonalds sucks profits out of localities to global owners. The supply chain of Chinese restaurant can help serve nutrition and local food security, the mcdonalds with its highly process foods cant - more
.31 wholekidsfoundation versus tragedy of us school lunch..	...	...	.why shouldn't the purpose of the school lunch be the most nutritious event in a child's day- an example of totally unsustainable misconception of how local government sees its role .more..
32 grameen DANONE micro-yogurt factory...	...	...	the good news is that 3d printing and other technologies are suddenly making it as economical to build thousands of microfactories as one big one- this can restore food security; and if the absurd carbon energy was fully costed would end the unneccessary thousand mile journies for many of the food supplies that could have been farmed next door... china knows it has to get microfactory experiments right to sustain its world leading economy- will other nations join this win-win more bottom-up world trade movement in time -more
.33 Twin society and business labs..	...	...	This revolution began in Bangladesh and was written up by the world bank here. Two forbideen questions it helps wayward 20th c economists answer are- how can you experiment with the millennium's goals greatest innovations unless you have a presence where the solution is most urgently needed; when you look at any society that is sustainable what per cent of intergenerational resources (eg nature, children, community goodwill and on-the-ground safety ,,,) are invested by "society"...
34 Conscious Capiitalism Benchmarking...	...	...	..This movement asks 2 of the most valuable questions ever to be posed. Which worldwide sectors enjoy the presence of a leader that thrives on networking the most sustainable human purpose the market could be free to share. Instead of wasting money on image advertising, how does one model so that at least 50.1% of the company's ownership is in trust to continuously improving the unique purpose most needed by lifetimes everyone impacted as knowhow producer or service demander .more on how microfranchise cases are integral to this movements innovation processes
35 Wholeplanetfoundation...	...	...	Started by the upscale whole foods supermarket, this network hunts out opportunities to plant microfinance in communities where whole foods expects to have long-term sourcing relationships. This converges two opportunities. Food security so that locals however poor enjoy the same world class nutrition their locality is capablee of serving whole foods. Sorting out microfranchise institutions constituted around local sustainability not some global bankers pr campaign... more
36.bitcoin..	...	...	..https://www.khanacademy.org/science/core-finance/money-and-banking/.... we include bitcoin as its an example of innovating decentralized infrastructure microfranchises need and this khan academy series beautifully maps many other converging jigsaw pieces and processes such as peer to peer
37 metahub : partners in health - see capacity training in haiti.	...	...	out of boston and the social labs of mainly Haiti and Rwanda , paul farmer has ben changing how allocations of funds to global healthcare are used - instead of just valuing whether a funde acrtion achieved a narrow goal , use that money to build capacity recognising that there will always be a next global health crisis (tb, aids..) which farmer defines as being a communicative disase that we can only rid world of by serving rich and poor's opposite types of delivery solution..
38 metahub ceu - founded by soros in Budapest- probably the number 1 pro-youth university of a non online sort -will it join open edu partners in time?. -more	...	...	..
. 39 treadle pumps illustrate many of the most subtle issues of microfranchise	...	...	..

research ongoing for
branson bteam
kiva zip
nabardmakerfaire
...

40 medecins sans frontier

41 partners in health

42 the humble pit latrine is an example of how basic microfranachises often need to be to cause a revolution - in this case sanitation in rural regions like bangladesh

43 jobs telecentres 44 nanocredit 45 last mile distribution services

46 rice

[chris macrae]

[chris macrae]

billions of people who need banks to help them save a dollar at a time couldn't be banked while manual transaction records cost more to make than the saving amount- in mobile cash systems that constraint disappears- so why not take the opportunity to:

never trap people in debt

only give credit where it can leverage local productivity and market 

only use cash for last mile transactions,and only distribute cash through highest trust community merchants

find the first application that scales

make sure the regulator designs transparent systems from bottom-up

success stories 

MPESA Kenya

very different case of MPESA Tanzania

Bkash

you tell us

[chris macrae]

Extract from Norman Macrae's last article in 2008 - 36 years after his search for mobilising 10 times more economical banking began @ The Economist How to Avert A Great Depression Through the Hungry 2010s? Answer, By Making All Banking Very Much Cheaper This was Norman Macrae's last article written in December 2008 If banks in rich democracies had been truly competitive institutions, at least one of them somewhere would have seized the main opportunity created by the computer. This main opportunity was to make all deposit-banking vastly cheaper than ever before. By this cheapening it should make such banking hugely more profitable. Then further competition would search for the cheapest ways to guide all the world's saving into the most profitable (or otherwise most desirable) forms of capital investment, thus enriching all mankind. Instead, during 2008 the total losses of banks in rich democracies - in North America, West Europe and Japan - soared into trillions of dollars. Fearful for their solvency, these banks virtually stopped lending. The issuance of corporate bonds, commercial paper, and many other financial products largely ceased. Hedge and insurance firms also crashed. Mankind is thus threatened in the 2010s with its longest great depression since the hungry 1930s.

.. 1972's Next 40 Years ;The Economist 2010 ..

Why? The strange answer seems to be that other happy
consequences of modern technology promised to make this
cheapening even faster. Call centres in Bangalore vastly undercut
the middle class salaries of Midland bank clerk who until the
1950s expensively answered clients' questions in their branches
in the City of London. Cheap mobile phones kept village ladies in
once miserable Bangladesh as fully in touch with market prices as
is the chief research officer of the First National Bank of
Somewhere in California. His weekly salary is still 1000 times
greater than the previous annual earnings of that village lady. The
cost-effective way of running the old Midland or First National
then seemed to be to cut its total salary cost by something like
99%. This did not please Western welfare governments, or the
decent chief executives of the old Midland or First National bank.
3
Awaiting the sensation of a short sharp shock
From a cheap and chippy chopper on a big black block
- WS Gilbert in The Mikado - why it is uncomfortable to work in an
industry which needs 99% redundancies.
Western welfare governments have long preferred to run their
banks in high cost cartels, and even invented reasons why this
seems to be moral. Their deposit-banks have usually kept in cash
only 10% of the total amount deposited with them. If 11% of
depositors suddenly feared that their banks might go bust, this
could accelerate a run that would send them bust indeed.
Governments therefore thought that depositors would be less
fearful if they were assured that the banks were officially and
tightly regulated. Actually, this mainly meant that the banks had
to hire ever more expensive lawyers so as to escape any crippling
consequences from this regulation. The attached quote shows
that Samuel Pepys understood this fact of life in his Diaries of July
21, 1662.
I see it is impossible for the King to have things done so cheaply
as do other men
- Samuel Pepys on discovering an important commercial fact of
life in his Diary, 21 July, 1662
The decent bosses of the deposit banks felt that the best way of
avoiding sacking nine tenths of their staffs was by competing
with a very different sort of financing called merchant banking
whose earnings and bonuses were far more generous than those
given to their own staff. These merchant banks were of peculiarly
differing pedigree. In London, it was assumed that they could best
be run by families like Barings who had done the job for over 200
years. In the 1990s, Barings went totally bust because one of its
hired traders bet much of its money on a hunch that a bad
earthquake in Japan meant that the shares of Japanese banks and
insurance companies would become more profitable. In Zurich,
merchant banks felt it most moral to keep the accounts of their
depositors totally secret, especially if these accounts were being
used to defraud their own countries' tax authorities. In 2008 those
4
secretive banks were then defrauded. In Wall Street, Goldman
Sachs and Lehman Bros bid up their annual bonuses to millions of
dollars for each partner. In 2008 even Goldman Sachs made a loss
and Lehman Bros went bust.
A former chairman of the Federal Reserve argues that "fearful
investors clearly require a far larger capital cushion to lend
unsecured to any financial intermediary now". He therefore thinks
that taxpayers money should be ladled into them to make those
investors less fearful. This seems far more likely to make
depositors intermittently more terrified and cause any depression
into the 2010s to linger on and on.
In the 1930s, the chief economic adviser to the government of
Siam was called Prince Damrong. I try always to remember it
- quote from former director of International Monetary Fund.
One of the few big banks to make a profit in 2008 was the
Grameen Bank (which means Village Bank) in that once basketcase
country called Bangladesh. The sole staff in a branch serving
several villages was once a woman student. It is now more usually
someone who has learnt to use the computer in the right way.
The rest of this report will examine how this marvellously costcutting
operation works. Perhaps the most relevant and terrifying
analogy is to commercial airlines. In 1945, there were only a tiny
number of passenger airmiles flown on them. In each successive
year these increased hugely and in this slump time 2009 there will
be billions of passenger airmiles flown. In the late 1940s most
governments therefore created national airlines and were
confident they would flourish in this boom industry, with official
regulation assuring they would be safe. Instead all proceeded to
lose money, and later privatised but large airlines also did. The
present trend is to cost cutting airlines like Ryan Air.
The same will happen to banks. Large banks mislending to the
rich have run into losses that have created the slump. Politicians,
thinking they are saving the world, are mislending huge sums to
these mislenders and will eventually make the slump worst.
5
How to create cost-cutting banks? To begin with Consider
Bangladesh - peculiar as this may seem.
START IN A STARVING VILLAGE
The Nobel peace prize for 2006 was controversially awarded, in
Oslo, to a "banker for the poor" in usually unfashionable
Bangladesh. Since the microcredit system pioneered by this Dr
Muhammad Yunus really has lifted record millions of Bangladeshi
women from the world's direst poverty, some of the world's
toughest tycoons have thrilled to his stated aim to "harness the
powers of the free market to solve the problems of poverty".
To his fans' delight and astonishment, he is achieving exactly that.
In the past quarter of a century, his Grameen Bank has lent
(without collateral or lawyers) increasing billions of dollars to
millions of poor women in the previously starving villages of
Bangladesh, and got an extraordinary 99% repayment back. His
often illiterate customers have started millions of successful small
businesses in unimagined fields like mobile telephone ladies and
saleswomen of the world's cheapest yogurt. All these successes
have been won by keeping costs incredibly low. A banking
operation that would cost Goldman Sachs $100 in New York or
London would cost Grameen in Bangladesh well under 100 cents.
This is a huge development in human history. 

[chris macrae]

Y1 WHAT TO KNOW FIRST ABOUT MODEL OF GRAMEEN MICROCREDIT

Starting in 1976 it took 7 years to develop this model (constitutionally confirmed in the Grameen Bank National Ordinance of 1983) during the first 10 years of the birth of Bangladesh as a new 100 million peopled nation- with the least resources of any in modern time. In particular, the vast majority lived in villages meaning spaces with no electricity, no running water, no phones or other forms of connecting eg roads

SURVIVAL LETTING ALONE BANKING FOR THE POOREST WOMEN ON EARTH

The problem how to job train -and fully support - village mothers who had never handled money and were culturally chained to staying within a few yards of a village hut in which they were expected to nurture typically 5 to 10 children. So the best way of valuing the original grameen microcrediit model is as mothers training college, where she took out a student loan but where grameen guaranteed her a local market (60 peers per center) provided she worked hard. At the same time she was asked to start saving - and the bonus for completing such activity for about a year was to become a co-shareholder of the whole bank. This ownership as well as customer service commitment made Grameen far more than a training network and far more than a bank. During the 7 years of development, thousands of village mothers had been surveyed on what they would wish to invest in with positive income generation. Their main concerns were childrens health and education -and a charter of 16 decisions was drawn up which was chanted out at every weekly meeting. Every member of this social network was to build a pit latrine for hygiene. Every member committed to send all children to primary school and so on. As well as training relevant to each mother's income generation, communal health learning was prioritised around such infant life-savers as oral rehydration and the mothers' own health.

Sequence of early innovations - see also grameen.tv

. This also explains why the bank's first non-training and non-financial service was selling carrot seeds- most village infants in 1983 had night blindness caused by vitamin a deficiency that carrots were the most effectiive cure for. While rice is the staple crop of over 60% of the world's poorest it lacks vitmain a.

Thus each banking centre's safe space for the 60 villagers to meet started to become attached to a vegetable garden. In the grameen model,  the branch bank manager or one of 2 assistants visit each centre every week.So these barefoot bankers were responsible for continuing to ensure each hard working mother;s market exchange for her service. Each bank branch was responsible for 60 centres a week - tha;ts a total of 3600 families depending on their mothers race to end poverty. One of the most remarkable talents of Dr Yunus was to motivate young graduates to go and live in the village as a barefoot banker

If we pause here, we can make a list of reasons why Grameen has inspired so many partial replications in other countries but as far as I can find no total replication. Ultimately which of these extensions sustain any good depends much more on assessing whether the motivation was to train a mother up and guarantee her a market for her job than any financial service skills bankers might ordinarily  pride themselves in 

Y11 Savings Groups & Puddle

Y12 Kiva and Kiva (Zip)

[chris macrae]

Exercise discuss what opportunities and threats compound around Grameen Microcredit system as the in the human race's united goal to end poverty

OPPORTUNITIES   Safest and most inspiring banking system for empowering pre-digital women networking to end poverty and build community   Became laboratory for ownership by the poorest of hundreds of microfranchise. We define a franchise as a financially sustainable model of how a team delivers a local service that once perfected can be replicated across communities. However unlike a service macrofranchise like Mcdonalds that sucks profit out of each community every quarter, a microfranchise is designed so that the value produced wholly or mainly stays with the workers and in the community served

THREATS   Ask about  such exportation details as:   Motivation  and reach of barefoot bankers? Grameen was demanding unique dedication to service -one connected with energising communal pride and personal passion spending a bank manager's life on building the rural nation.. Also serving 3600 families weekly on foot worked most economically  in Bangladesh's peculiarly densely populated  "rural" conditions    Whether national regulation permit such a savings structure?: the truth is that the new nation's government had so little resources that early leaders of the country were happy to assign the responsibility for rural development to hi-trust entrepreneurs and young socially minded activists; bangladesh's first and pre-digital quarter of a century was to see a unique model of micor-privatisation - one that became integral to the whole economy and life-critical innovation   How adaptable is the 16 decision culture;? Note it was designed round mediating the specific freedom  wants voiced by Bangaldesh women villagers who had been chained as an underclass; it also depended on a great local village schooling system being replicated - something that Grameen relied on Bangladesh's other extraordinary grassroots empowerment network BRAC to scale

How bridgeable is the Grameen model to digital age? Note first that the whole system depended on the intense manual inputs of the banking staff. While Grameen's goals (eg invest in productivity never trap in debt) are a world class paradigm for any Keynsian economist to design with, transforming to digital dynamics would require a lot of investment. While the fame that Grameen attracted around the world would make this possible for Yunus in Bangladesh, the very long-term leanness of the model (which he was later to brand as Yunus Social Business" could make it harder for other less famous local attempts to bridge digital with the purity of trust of the Grameen model   Grameen, valued wholly, as an open source knowledge system needed to be celebrated as the net generation's antidote to so many risks of big banking. It could have been part of  financial literacy and goals-humanity-mosts-invest  in every school that valued the future of developing children to grow up in the early 21st C networked, collaborative and borderless world. But those millennium-goals summit hosts who from 1996 were to accelerate the globally  lobby for yunus to get presidential and nobel prizes as most trusted banker of women and next generation never focused on mediating such a gamechanging educational curriculum -more at microcredit.tv  If Grameen had stuck to its roots as an educational platform it could have become worldwide youths most valued partnership brand as the 21st C came of age. Understanding the  role if Dr Yunus as linking in thousands of concept that most excite youth  can no longer involve the same microfranchise cataloguing compass as most valued educational reality-maker. More at the GG world record book of job creation

Help with social actions debriefings of more opportunity and threat exercises at YunusUni.com

[chris macrae]

Paulo Freire, Montessori, (Gandhi, Mandela)

Editors note: we dont know the history of educational pedagogy well enough to call who contributed what but observation of the primary village schooling systems in bangladesh suggests the need to celebrate such curious findings as:

1 when a teacher is free to learn -let alone when a bank manager trains up a whole community's empowerment to end poverty - that changes everything. The most happy changes osmose through the family into what it is possible for children to action learn. Contrast this with sadly over-examined cultures which condition teachers in ways that they ultimately don't see how narrow their mindset has become nor understand what monopoly of thought they are propogating

2 because Friere's pivotal idea is : dont trust yourself to be valuable in teaching a person different from you (notably poorest families) unless you live in that person's position- a teaching culture valuing Freire is always open both to deeper contextual learning and to questioning where an examiner's bias  towards one correct answer   spins over-standardised (command-and-control) views of the world; over-standardised mindsets are an enemy of innovation at the slowest moving of times; when as the net generation is faced with faster change than ever before, over-standardisation spirals as the greatest risk to sustainability of all of us; it is also why the bottom-up school of economics with its Keynsian gravitational goals of ending poverty  is about totally different system designs for what futures people are freed to enjoy than macroeconomist hire by the biggest politicians or the 85 richest people in the world

3 if we the peoples are to thrive in a 21st c democratic and increasingly borderless planet, then we should compare 2 opposite value-driven curricula on every dynamic that they rule over as being economic or social. At the moment the west's richest nations are drowning in type 1 curricula of standardised answers- the celebration of the missing curricula needs to be given at least half of the space on the new open education platforms such as khan and this at coursera who design courses on-demand ,the very opposite of the teaching endgame of closed ceritification

4 those who claim to value peacemaking more than any other eladership skill really should study how both gandhi and mandela knew that chnaging education systems was necessary before non-violent social transformations could be celebrated- this gandhi designed with montessori with some motivational support from Albert Einstein; the stories that can still be found out of south africa (gandhi's second homeland as well as mandela's first) , india and bangladesh are why south eastern millennials have more innovation to linkin now than anyone (valuetrue economists should value this as a good thing because in terms of the millennial population they are also the vast number of producers)

[chris macrae]

Grameen's microfranchise of carrot seeds shows how the simplest interventions can:

be the most productive if they multiply positive dynamics of a deeply designed network

lead to extraordinary learning curves throughout an end-poverty entrepreneur's lifetime

Carrot seeds in one cent packs were the first non-financial service grameen bank managers were asked to deliver during their weekly visits to each of the 60 by 60 village mother banking circles they were trusted to sustain. This changed the design of each banking circle -from an inside hut to a vegetable garden attached

In Grameen's earliest days, custom prevented yunus from speaking directly to his target female customers. So he spent a lot of time observing his female students work with potential Grameen members from the centre of the village where all the children joyfully mob strangers.. As dusk arrived, he noticed most children were night blind. Medical friends advised him this would be caused by lack of vitamins- and carrots were the simplest cure. 

Where dis this lead to? Emotionally it made Yunus a champion of future banking for youth. Intellectually he discovered that the first 1000 days of infant nutrition are critical if the brain is to form optimally. Ever since, Yunus has never lost a chnace to ask potential partners as to whether they have any nutritional ideas. Indeed the worlds first global social bsuienss partebrshipwas founded with damone around its milk chain delivering fortified yogurts to vilage nfants

The passion for involving children in nutrition and vegetable gardening has turned full circle. Whole Foods in its latest program inpsired by Muhammad Yunus has launched wholekidsfoundation. Watch out for the campaig bto introduce salds into schools lunches across the usa with the tagline children who help to grow greens, eat greens. Just as it did not harm for every grameen bank outlet to have a vegetable garden, why not every scools in the USA or wherever childern are either hngry or overfed with junk foods.

[chris macrae]

The monsoon proof, cyclone proof hut. This was a big deal for grameen bank and its members in several ways

It was the first time grameen had invested in a program that the barefoot bank manager couldnt personally carry to the banking circles

It won the aga khan architecture award for low cost and high functionally putting grameen and yunus on the stage of world class laureates

Its home and safety values to mothers and children also integrated the pit latrine as a core part of the design

Only the mothers could sign the mortgage loan for the hut- this reversed the cultural rule that mother and children could be immediatlely thrown out of the home on a husband's say so

What sightings of housing for the opoor innovations have emerged 30 yeras

[chris macrae]

The common core of the two microcredit womens networks to  do most to achieve the economic miracle of ending "village" poverty in the pre-digital age : education

In grameen bank's case, educational programs are called: grameen shikkha Grameen's one female founding director mrs begum ,who was responsible back in 1979 for developing the 16 decision culture  to include members' commitment to send all children to primary school. Mrs Begum is the essence of the training and  deeply pro-women culture that makes grameen bank unique; Grameen's education services  primarily revolve round awarding secondary scholarships two third to girls. Most of these scholarships came out of dividends to members. Grameen branding across rural Banglaedesh is as both mothers and daughters most trusted intergenerational focus on what life can be about, This relationship makes Grameen best placed (of any girl effect networks) to ensure that no talented village girl fails to get to secondary stage; The joy is palpable when you litsten to DR YUuus speaking:: Illiterate mothers have daughters who are doctors, a "the mothers could have been doctors too, society didn't give them a chance".   Secondary scholarships as a social business. If you can afford a 6 year free loan of approximately $1200, you can sponsor a village girl through secondary school. And roll the laon on if you want to sponsir a second child Grameen  Bank as run by Yunus maintained and regularly reported goals. Alongside data on loans for mothers income generation , the two longest times series of cumulative goals invested in are number of housesbulit, and numbers of student scholarhsips to secondary schools

In BRAC's case: the biggest program involves serving 40000 village primary schools using a model similar to Gandhi-Montessori

[chris macrae]

The Economist actively began creating its curriculum of Entrepreneurial Revolution in 1976 with the headline: none of the biggest organisational typologies of the late 20th century will prove capable of sustaining the net generation. The most urgent economic hosted by economist needs to look for missing organisational system designs which invest  the best for humanity not the worse for humanity characteristics of

corporations

place governments 

non government orgs

Yunus became the most practical/visible leader of this  trans-hemisphere debate by the late 1980s . He demonstrated how to sustain goal-driven system beyond-aid, and beyond charity-and identified this with offering consultancy (eg grameen trust) on bottom-up and southern NGO in scaling microfranchise solutions to humanity's most critical problems.

people he actively influenced include

- the Clintons prior to Bill's first presidency

Obama's mother (see film) who led Indonesia's implementation of womensworldbanking in the 1980s

Maria Nowak - Europe's leading designer of banks for jobs

Ingrid Munro- who inspired by yunus invented the first youth and mobile operated microcredit out of kenya

[chris macrae]

43 Jobs telecentres -women and millennials empowerment makes great struded where jobs telecntres are organised round microfanchise searches

eg which foods can small producres coperatively linin to an export market using such models as blessed coffee's virtual exchange

or which jobs can youth do if they have been taught to code

44 nanocredit combined with telecentres becomes a massive way of connecting - nanocredit can be esigned so tens of millions of people are gioen back a market network that most concerns them

45 most last mile models of bottom-up multinationals  (20 discussed at d-lab mit 2014)involve large numbers of jobs for local service distribution -eg if you are disttributing clean water the logistics need can be as efficient as home delivery of take away foods in bit cities- note that everyone is connected by mobile even as other devices bytraditional mass marketing expects to be available are not in the vilage's infrastructire

46 rice is arguably agriculture's ultimate microfrnachise - with over 60% of porest dependent on it as their main food, but with neither particulatr advantage to large farming nor particular need to distribute it beyond local region of growth; conversely exotoc forms of rice can make high value export marksts

[chris macrae]

Y11 Savings Groups and Puddle

http://savings-revolution.org/

40 years on fom the grameen lending circle, it is interestinf to note that manual savings groups  look like scaling in teh 2010s . That's according to the book In Their Hands  by 

jeffrey ashe and Kyla Neilan

 

The major savings groups networks care. plan international, freedom from hunger, aga khan, catholic relief, oxfam america have set goal by 2020 of 50 million poorest in savings groups by 2020. These savings groups remain mainly manual though in some cases technlogy has brough the tine it takes to train a new group by 5 fold or more

However where law and technology permit , everyone can now host their own savings group - http://www.puddle,com . It could just be that the 2020 goal of 50 million served will be an underestimate.