Re: Loans as social development
- Tom Ochuka, I share your letter and Benoit Coture's reply. Yes, I'm glad
that we were able to agree on a loan for your hand cart for transporting
water. I remind us the terms, which deemphasize money, so that you pay
back only 75% and for the rest you supply us with your research results.
This is because the social assets that you are building must, for me, be
emphasized over any financial gains, which I hope you have as well. I'm
glad to know your deepest value "A society that responds to change" and
your investigatory questions "How to empower the community?" and
specifically "How to involve people to make them independent so they can
find water solutions for themselves?" as in "How to get water without
depending on the common source?" Yes, we can develop more loans as we
get to know each other, pay back our loans and support each other's
dreams. I'm glad that you write about your dreams because that is key
for "An economy of dreams". Andrius Kulikauskas, Minciu Sodas, ms@...,
Dear Andrius, Benoit, Janet, Sam ,Ricardo and all MS ,Members
To save Africa from the poverty challenge there are several factors that
have even before contributed to Food inadequacy leading to Poverty and
mistrust from communities to government,
I appreciate all Efforts that Andrius and all of us are doing to make
loan ASOCIAL FINANCIAL ACTIVITY and Not a conditional financial
obligation that will not make an investor sleepless as one tries to payback.
Many groups, Orgs ,individuals do not access loans at all because .
1 Most of the Loaning intuitions have conditions that even they
themselves cannot meet.
2 They Make loaning process so complicated that one spends much time and
money accessing loan.
3 One is expected to payback with huge interest rate and so scares the
4 They usually major on the minor Security which is usually the only
assets one has and not Ability to pay when tallying the final processes,
The question that disturbs me is how do we make our loans friendly to
the communities and make them future potentials of this Poverty
This take me to the Avenue of my deepest values A SOCIETY THAT RESPONDS
TO CHANGE, Everything is changing.
5 Social lives.
How can we broaden what we already have at the MSLAB: in order to make
profits that can change the society and community, there is no society
without us first becoming Social,
We have had 1 Social Agriculture 2 Sustainable Agriculture, How can we
now develop social Entrepreneurship, where our loans are friendly with
the idea of putting up asocial business. Usually most CREDIT Facilities
fail because their End result is profit making Rather than Economic
Development which they Claim to all be doing.
How can we have MS offer loans that can change the whole of Africa,
Regions and countries that lag behind economically, Usually the west has
been trying to develop Africa Economically like the world Bank but they
usually from Time to time begin with, WHAT ARE YOU DOING IN ORDER TO GET
A LOAN….More often than not even the most organized corporations and
financial intuitions have ended up closing ,they have good theories
,important people and organized corporations get loans from them, but
they don’t work had to pay ,Somebody in Mbita ,who doesn’t have anything
work had to pay ,we expect WHAT ARE YOU INTERESTED IN and NOT WHAT ARE
YOU DOING ALREADY ,and the answer is usually our deepest values .The
other name for our Deepest Value Brother Andrius is Usually our overall
goals. And so many big banks in Kenya failed very good banks and
financial intuitions, In Kenya we have had 1 Rural and urban development
bank ,Bank of credit and commerce international,Thabiti Finance ,these
were very good banks but closed down ,Perhaps they concentrated on major
ASSETS as security ,For example if you take Electronics like
TV,FURNIUTRE Etc as security, many today can do without this but not
maize Somebody in Nyamuga,Mbita,or Ahero can do without this but not
Ugali or Githeri,
If you Agree with me Sam ,Andrius and all why cant we Energize those we
have in the forum to set up village banks in Regional set up and have
Funds that will socially bring the regions together .Because the poor
also have their strength and potentials but because they are not given a
chance are believed to be without any input. Who can loan a disabled,
who can help the blind, are we help to them or blind to them,
Am trying to put an open suggestion here, we collectively as lab work on
Diverse measure to support all our orgs ,making them feel important,
where can we borrow and how much can we give each group as asocial loan?
Deaf Impact Ministry
Tel +254712929029, Email:tomochuka@...
After reading the attachment, my first thought of your understanding, is
that confusion rules money and that we need a new way to handle money.
To us here in this forum and the millions of other forums, this new way
is the opportunity to learn that these communication divices offer us
and this is what we are being employed at doing as we write to each
other. At least, that is why I go on participating and offering my view,
hoping to generate inspiration and influence of renewal so that the best
of God and of humanity get to lead the way, all the way!
Dr. Yunnus' work is viewed as this new way of handling mobey and for
Kenya, we have been pointed several times toward
A good letter for that was:
In the attachment, you point out often to Minciu Sodas, and how to take
position in various areas and ways.
Minciu Sodas is owned and operated legally and solely by Andrius
Instead of moving from local to global like Dr. Yunnus does, Andrius
moves from global to local.
By going to go on in the name of Minciu Sodas, our first question must
be, how do we work around Andrius so that he becomes empowered to grow
into his own version of a global Dr. Yunnus.
At the moment, regarding the water cart project, Andrius and Janet are
moving, one toward the immediate need and the other, with the details of
business for long term association.
So if I understand Tom's position in the face of the 2 offers, I would
think that the question becomes how do these 2 seperate offers get to
join into one smooth flow of answering the need first as Janet provides
and how to go on with the long term scaling investment that Andrius offers?