Showing posts with label Africa. Show all posts
Showing posts with label Africa. Show all posts

Monday, May 24, 2010

Carbon Manna(SM) System implementation in Ethiopia


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Hello Ethiopia Friends,

Moges (see below) is interested to implement in Ethiopia the open-source Carbon Manna(SM) System of micro-PROFIT-sharing and micro-SAVINGS, so please do contact him directly if you would like to join this sustainable, markets-based effort to elevate the Poor in Ethiopia:

Moges Gorfe
Executive Director
Ratson Home
Debrezite Town
ETHIOPIA

cell: +251-091 140 0384
office +251-0114 33 9029
email: mgorfe@yahoo.com


And you can learn more in general about the Carbon Manna(SM) System via the several links below, and/or by contacting me in San Diego, Calif.

Globally & warmly yours,

David A. Palella
Founder
CARBON MANNA UNLIMITED
San Diego, California

cell: 619-787-5767
skype: dpalella17
email: dpalella@san.rr.com
email (backup): dpalella@gmail.com
http://www.linkedin.com/in/davidpalella


http://www.carbonmanna.org


http://carbonmanna.blogspot.com
http://twitter.com/CarbonManna
http://www.linkedin.com/e/vgh/1794312/

The "Micro" Revolutions Institute(SM) Established by Carbon Manna
http://www.prweb.com/releases/2010/04/prweb3908584.htm

Carbon Manna announces The Micro Sustainability Prizes(SM)
http://www.prweb.com/releases/2010/01/prweb3459274.htm

http://www.marketwire.com/press-release/Carbon-Manna-Unlimited-1065919.html

http://www.marketwire.com/press-release/Carbon-Manna-Unlimited-1033328.html

http://www.marketwire.com/press-release/Carbon-Manna-Unlimited-1007638.html

http://www.marketwire.com/press-release/Carbon-Manna-Unlimited-991442.html

http://www.marketwire.com/press-release/Carbon-Manna-Unlimited-953397.html


I will be/was a speaker or keynote speaker at:
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2nd Kenya Diaspora Int'l Conference & Investment Forum

20-22 August 2009, Atlanta, GA

http://www.kenyaopen4business.com

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"Microfinance for Institutional Investors"

21-22 Sept. 2009, Washington, DC

http://www.hansonwade.com/events/microfinance-for-institutional-investors/index.shtml

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"Micro Financial Services World"

[ organized by Hanson Wade ]

11-12 May 2010, Amsterdam City Centre, The Netherlands

http://www.mfs-world.com

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4th Microfinance Investment Summit

06-07 October 2010, Central London

http://www.microfinancesummit.com


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Thursday, January 8, 2009

The Dis-intermediation of Microfinance

*****

"Death of a micro Middleman" -- The Director's Cut

Occam's Razor shaves microfinance industry

Law of Parsimony downsizes micromony

Samurai Tailor frightsizes micro loans !

Zero Transaction Costs -- and not a penny more!

Fiat lux! -- Photons DIRECT to the "Bottom of the Pyramid"

Micro-enablement and Micro-empowerment a la Cell Phone

Frequent Flyer Miles & Carbon Micro Credits: An Analogy


Among a few of the "summer soldiers and sunshine patriots" reading this blog, there is a Great Confusion regarding my cell-phone-based Carbon Micro Credits (CMCs), which can be used to put any of several forms of hard e-currency or cash DIRECTLY into the hands of poor Individuals in The Developing World.

Again let me say it -- DIRECTLY. With no involvement of middlemen, no intermediaries, no MFIs (micro finance institutions), no bankers, no brokers, no hangers-on, nor other NGO or government officials seeking to "add value" or cravenly craving personal gains for themselves. Zippo for them.

Rather, courtesy of the miraculous cell phone, which even the poorest of the poor have access to in Africa and many parts of Asia, Carbon Micro Credits (CMCs) or Carbon Micro Revenue or Carbon Micro Earnings or Carbon Micro Currency -- or whatever future flatulent flattering imitators want to call them -- CMCs can appear magically in the cell-phone accounts of millions of Individuals -- like Manna from Heaven.

For a typical family in Africa using a more efficient charcoal stove (e.g., the Uganda stove), weekly Carbon Micro Credit (CMC) earnings from selling their carbon offsets could amount to US$ 0.40 to over one U.S. dollar. CMCs can be claimed weekly via an SMS message sent wirelessly, which can cost as little as 4 cents in Kenya, for example.

Do you see what I see? -- pharmaceutical margins ! when a poor family DIRECTLY sells their carbon offsets and claims their Carbon Micro Credits via their cell phone or any cell phone owned by an extended-family member or friend:

----->> Weekly Revenue = 40 --> 100 cents.

----->> Weekly Expenses = 4 cents.

----->> Weekly Profit = 36 --> 96 cents/week.


And the weekly fuel savings from using the more efficient stove? -- much more ! -- an additional US$ 1 - 2 / week.

For the so-called Ultra Poor living on US$ 1 - 2 / day or even less, these Carbon Micro Credit (CMC) revenues earned + the fuel savings represent a very LARGE increase in their standard of living.

And the Middleman?

Disintermediated ! -- Or should I spell it? -- Dys-intermediated ? Pity the now-poorer highly-misunderestimated middleman -- now dis-middleman-ated, dismandated, dis-integrated, displaced, dispossessed, financially disemboweled, dissed and disgusted to be dis-employed.

And the unwashed unholy Illicit Brood of the Middleman ? -- namely his children named Graft, Embezzlement, Theft & Usury? The chances of these devious children being spawned are also HUGELY reduced or totally eliminated as speedy and invisible photons deliver Carbon Micro Credit (CMC) earnings DIRECTLY to millions of different, Individually-owned cell-phone accounts.

Have you stolen any worthwhile photons lately ? It is technically possible, but not within the repertoire of 99 % of middlemen and thieves in The Developing World.


Microfinance is only 30 - 35 years old. Over time it will evolve as any paradigm does. Today the smart microfinance practitioner will devise self-funding, self-renewing mechanisms that permanently empower and enable poor Individuals DIRECTLY with no intermediaries involved, and WITHOUT initially indebting them.

Today the astute microfinance apparatchik will work diligently to make his own job obsolete, as any intelligent and reputable consultant does. In sum, he will disintermediate himself permanently from the microfinance food chain. Why? Because, is there ever enough food for everyone in The Developing World ?

And so why does the word "microfinance" mean "loans" or "debt" to almost everyone? Because that's how it started. But now, behold ! -- in this blog a new field, a new non-debt-based micro-paradigm is born, which could be labeled variously as:

----->> MicroRevenue

----->> MicroEarnings

----->> MicroProfit / Micro Profit Sharing

----->> Micro-entrepreneurism

----->> Micro-enablement

----->> Micro-empowerment

----->> Micro-emancipation

----->> Micro-enfranchisement

----->> Micro-disintermediation, or

----->> Micro-disfinance ?


Finally, as noted before in this blog, Carbon Micro Credits are the same as frequent flyer miles. Just as every airline in the world has a frequent-flyer program -- therefore to maximize disintermediation ! -- so every mobile carrier in The Developing World should have a Carbon Micro Credits program. It's that simple.

Moreover, let me ask: Do your frequent flyer miles indebt you? No. Are they immediately worth money, or convertible into valuable goods or services? Yes. Are they tiny in value? Yes, most major airlines sell frequent flyer miles to other merchants (to use as customer incentives), often to credit card companies for example, for around One U.S. Cent. Yes -- one cent. But do all these one cents add up to large amounts eventually? Yes. A free plane ticket to Europe? Several free nights in a 5-star hotel? Yes, one cent at a time.

Ditto should and can apply to Carbon Micro Offsets produced by the Poor. A few cents earned per day will start to keep Poverty away. So why not let cell-phone-based Carbon Micro Credits or Carbon Micro Offsets DIRECTLY fund the immediate Emancipation of the Poor in the Developing World -- without ever indebting them, and without usurious (excessive) interest burdens?

Very directly yours,

David A. Palella
Chief Carbon Disintermediationist
CARBON MANNA UNLIMITED

San Diego, CA
tel: 858-793-0741
email: dpalella@san.rr.com

http://community.keithferrazzi.com/profile/DavidPalella

http://carbonmanna.blogspot.com

*****

Tuesday, January 6, 2009

Don't sell the Carbon -- Sell the Sizzle !

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Branding the Carbon Stone ?

Retail Micro-Branding & Micro-Positioning of Carbon Offsets

Branding on the Wholesale/Producer side of Carbon Micro Offsets

"Natural Artesian" Carbon Offsets ?? -- Fiji water did it !

Every Carbon-Micro-Offset a snowflake

Celebrity Endorsements for Carbon Offsets ?

-- The Tiger Woods/Al Gore personal-jet Carbon Offset ?

-- The Britney Spears Global Carbon-Overdose Rehab Center ?

News flash ! -- "Burning Man Festival" buys carbon offsets !

The Coca Cola™ Carbon-Micro-Credit cell phone ?


Don't sell the steak -- sell the sizzle ! -- is a well-known phrase to salespeople in the U.S. In short, don't sell cold uncooked meat, rather, sell a sound associated with atavistic cooking aromas that would light a fire under any Neanderthal's taste buds. Like popping grease, your chances of a sale will explode appetizingly.

In this spirit, if you are a bicycling, tree-hugging registered Democrat in the U.S., would you want to buy cold uncooked carbon offsets scammed up at a methane-capture project on a registered Republican's tax-payer-subsidized pig farm in Iowa? No, rather, wouldn't you love to buy Micro Carbon Offsets democratically produced in Barack Obama's ancestral hometown of Kogelo, Kenya? Or be able to buy Micro Carbon Offsets handcrafted anywhere in Kenya? Wouldn't that be a dandy conversation piece at the next Democratic fund-raising dinner you attend ? Or if you meet the man himself someday? Certainly!

If you're in the marketing dept. at Godiva Chocolate and you're word-smithing an eco-friendly marketing message for your core target market (single, college-educated females 30 - 55 with blazingly white teeth, no lumbar tattoos or body piercings, who live in metropolitan areas), wouldn't it make great sense to offset your corporate carbon footprint by buying Micro Carbon Offsets from the West African nations where your cocoa beans are, perhaps, unsustainably harvested? -- namely, The Ivory Coast, Ghana, Nigeria and Cameroon. Wouldn't that make Godiva look in tune with the times and socially responsible ? Certainment !

If you're in the advertising dept. at Starbucks and similarly want an eco-sensitive corporate branding message, why not go carbon neutral by buying carbon offsets from the coffee-growing regions of Colombia, Brazil and Indonesia? A perfect touchy-feely win-win branding message that boosts sales in American & Europe and saves Planet Earth -- all in one cup. Plus builds more goodwill for Starbucks in the coffee bean-producing regions where it sources raw product. Grande beango!

And if you're the Environmental Compliance Manager at Arcelor Mittal's steel plant in Bremen, Germany, should you, as an employee of an Indian-owned company, buy your 100s of thousands of tons of carbon offsets each year from just any old place? No, it would seem you should try to purchase permits or offsets produced in India, particularly offsets from the home state of the Mittal family. Wouldn't that impress the CEO and improve your chances for a promotion? Obviously.


Branding of carbon offsets -- viz., creating or sourcing "designer offsets" -- is a new field. But as you see in the examples above, branding and positioning of offsets is a boffo business opportunity during the entire process from offset production to the final sales point. Is it really possible to brand a roundly unsexy industrial commodity such as CO2 or methane?

The best parallel or validation I see for branding of Carbon Micro Offsets is some companies' success with branding of the most abundant and plain-vanilla commodity in the world -- water. For example:

(1) Evian's "natural spring" water
(2) Fiji's "natural artesian water"
(3) Coca Cola's Dasani
(4) Perrier -- or is it just the shape of the bottle that sells it?
(5) Nestle's "Pure Life" & Aquarel brands; and
(6) add your favorite H2O brand here.

Amazing. Package it, position it, market the mystique, and charge a lot for an "exclusive brand" that is often just filtered tap water. So why not do the same with carbon offsets from the Developing World?

Likewise, the evolution over the past 30 - 40 years of 100s of different "brands" of coffee beans from micro-environments or micro-growing regions all over the world is another successful example of branding a commodity. Most of us are too young to know that before the mid-1950s there were no brands of coffee in the world, and coffee was just "coffee" in a plain tin can, no matter where it came from in the world. Imagine the abject poverty of a world with no coffee brands at all? How did people survive?


So as you can see on the web site below, on the retail or micro-retail end, there are already dozens of new companies breaking bulk and positioning & branding offsets or micro offsets:

----->> http://www.carbonoffsetreview.com

Bravo. But in most cases, its not clear from where their offsets originate, and when it is stated on their sites, they don't seem to drill down to the level of the region or company or group or village or individual that originally produced the offset. Vague offset-project descriptions such as "wind farm project in Eastern Europe" or "methane capture project in India" don't inspire brand loyalty nor resonate with end-buyers.

Or, horrors ! -- were the green house gas offsets that you or your company bought really produced by a glue-vapor-reduction project at an unnamed athletic shoe factory in an unnamed Developing Country employing illegal child labor? Or, were the offsets produced by a CO2-reduction project at a Mexican cement plant near the U.S. border that is at the same time polluting the Rio Grande and the water table in Texas with heavy metals? Etc. Etc.

Ugh. How can you really know ?

So as you can see, the reasons for tracking the provenance or origin of Carbon Offsets down to the Micro or Mini level are numerous. Such tracking would allow both the seller and the buyer to gain more value from a sale or purchase of Carbon Micro Offsets. My Carbon-Micro-Credit (CMC) Registry described in detail in the post below dated November 22, 2008, would allow such fingerprinting and tracking of Carbon Micro Credits or Offsets:

http://carbonmanna.blogspot.com/2008/11/carbon-micro-credit-cmc-registry.html

Once implemented, the Registry would also facilitate so-called "perfect price discrimination" -- allowing a group of Poor Individuals selling Carbon Micro Offsets to identify the One customer worldwide that valued their offsets the most. Or nearly so. Of course, some economic "frictions" will always obtain and prevent absolute revenue maximization by sellers. But the Carbon-Micro-Credit (CMC) Registry could be the database for a global eBay-like auction marketplace that allowed Poor Individuals to eliminate multiple middlemen in the marketing & sale of their individual carbon offsets, or the sale of the collective carbon-offset project of their village or town.

Continuing the discussion on the offset production side on the ground in Africa and Asia, there are many opportunities for major corporations to sponsor carbon-offset origination projects and while so doing extend/expand awareness of, and loyalty to, their brand down to the level of the Individual in the Developing World.

The hypothetical Coca Cola™ Carbon-Micro-Credit cell phone captioned above is one example. Why is there no Coca Cola™ branded cell phone? And why not in the hands of the Upwardly Mobile Poor in Africa so they see the brand name every day of their lives when they claim their daily carbon manna? What strong "fixation", as a zoologist would say, and brand loyalty that would cause! So far the widespread marketing concept of affinity cards or group cards in the credit card world has not yet spread to cell phones, but why not ? It's just a different plastic shell and logo on the outside of the same cell-phone electronics.

Any multinational corporation focused on sales of inexpensive consumer goods like Coca Cola would be wise to embrace sponsorship of Carbon Micro Offset-origination projects in the Developing World. Such companies would include L'Oreal, Nestle, Lever Brothers, Kao, Pepsi, Yum Brands, Procter & Gamble, Lion, Shiseido, Sony, and many others. The Carbon-Micro-Credit (CMC) Registry will allow companies to easily identify micro-offset projects that meet specific geographic, demographic, philanthropic, product marketing and/or corporate or product brand-building requirements. Companies will be able to micro-target product promotion efforts and build goodwill with the exact target markets most likely to become long-term customers as their earnings potential grows over time, courtesy, initially, of the cell-phone-based Carbon Micro Credit (CMC).

Branding of Carbon Micro Offsets is the wave of the Near Future. So don't be surprised if someday soon you find not just any ole plain-cocoa carbon offsets, but, rather, delicious aromatic Colombian Carbon Micro Offsets -- individually hand-picked by Juan Valdez -- in a coffee cup near you.

Think globally & act locally yours,

David A. Palella
Chief Carbon FireBrand
CARBON MANNA UNLIMITED

San Diego, CA
tel: 858-793-0741
email: dpalella@san.rr.com

http://community.keithferrazzi.com/profile/DavidPalella

http://carbonmanna.blogspot.com

*****

Thursday, December 25, 2008

Global Moral Lipodystrophy & the Micro Revolutions

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The World is Fat [ sic ] -- some parts anyway

Would you like flies with that? [ sic ]


Lipodystrophy is maldistribution of an individual's body fat, often caused by disease or treatment of a disease such as AIDS/HIV. But it is also a planetary-wide phenomenon as evidenced by the high obesity rates in America and Europe and the very low body-mass indices that prevail among the poor at the "Bottom of the Pyramid" in the Developing World.

In sum, the world is not flat, but fat. In some parts anyway.

Sadly, the space-time continuum or fabric of Planet Earth is hugely pockmarked and grossly distended by deep gravity wells that mal-accumulate wealth, nutrition and economic opportunity. The deepest of these amoral and unduly wealthy gravity sinks is, of course, Wall Street. At the other extreme, "gravity's rainbow" is almost completely absent on the convex, barren and achromatic plains of Africa.

So what liposuction techniques will equilibrate this global and amoral maldistribution of body fat, dietary protein, caloric intake, income and wealth ? What drastic plastic surgery will dermabrade away the scandalous and hideous stretch marks and cellulite of America and Europe?

As Richard Feynman wrote: "There's plenty of room at the bottom."

The answer to this macro imbalance are the various micro mechanisms and paradigms described in this blog, most of which are based on the ubiquity of the cell phone and the low transaction costs of the fully-electronic networks of mobile carriers. Some of these micro-mechanisms are self-funding and markets-based, requiring no charity but only implementation and moral and political will. These new Micro Revolutions include:

(1) the Carbon Micro Credit (CMC)

(2) the Foreign-Aid Micro Credit (FAMC)

(3) the School-lunch Carbon-Micro-Offset Program

(4) Micro Property Rights / Micro Private-Property Rights

(5) Micro-tithing / Micro-charity

(6) Micro Loans / Micro Finance

(7) International Micro Social Security

(8) Micro Medicine or Micro-telemedicine

(9) Micro Education or Micro tele-education, and

(10) Micro________ ? -->> You fill in the blank.


Micro mechanisms and micro paradigms such as these, again, based mainly on the globally ubiquitous cell-phone network, could eventually liposuction excess economic fat and surplus nutrition from America & Europe and redistribute it equitably, accountably and efficiently to the Poor in the Developing World.

Will you be part of these Micro Revolutions and take the moral high-ground? Or, rather, would you like fries with that ?

"Then pealed the bells more loud and deep:
"God is not dead; nor doth he sleep!
The Wrong shall fail,
The Right prevail,
With peace on earth, good-will to men!"

"I Heard the Bells on Christmas Day" -- Henry Wadsworth Longfellow -- written December 25th, 1864.

Merry Christmas -- December 25th, 2008

David A. Palella
Chief Carbon Santa
CARBON MANNA UNLIMITED

San Diego, CA
tel: 858-793-0741
email: dpalella@san.rr.com

http://community.keithferrazzi.com/profile/DavidPalella

http://carbonmanna.blogspot.com

*****

Wednesday, November 26, 2008

Means Testing for Carbon Credit Originators?

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Means Testing for Carbon Offset Originators ?

The Carbon Micro Credit (CMC) as widow's mite ?

Can carbon offsets roll downhill ?

Carbon Trading -- a USD/US$ 100 billion market by 2010

Out of Africa ? And back into Africa ?


"The World Bank estimates that the size of the carbon market was USD 11 billion in 2005, USD 30 billion in 2006, and USD 64 billion in 2007" [Wikipedia.org]. Various sources estimate the global carbon trading market to reach the nice-round number of USD 100 billion by the nice-round date of 2010.

No wonder this carbon honey-pot has attracted 100s of carbon carpetbaggers, carbon gold diggers and financial opportunists from the rich nations of our Developed World. So how long before we see these gems of Wall Street engineering appear on the carbon trading scene ?

(1) CBS = Carbon-backed Securities ?

(2) CDS = Carbon Default Swaps ?

(3) CCO = Collateralized Carbon Obligations ? -- and

(4) Carbon offset hedge funds ?

They're coming to a brokerage near you sometime soon, sadly.

In great contrast, the cell-phone-based Carbon Micro Credits (CMCs) described in this blog, which are produced on the ground in the Developing World by solar cooking or by other real activities of poor individuals, are the pennies saved in a child's piggybank and the widow's mites given at the temple.

Such offsets should have greater market value than those produced by major corporations in China, India and South Korea by means of stretching the bounds of the United Nations' Clean Development Mechanism (CDM), e.g., by reducing NO2 emissions at a chemical plant, which should have been done ethically anyway with no reward at all of CDM carbon credits.

In short, the entire carbon credit / offset field should implement means testing, such that carbon credits are awarded from the Bottom of the Pyramid upwards. Now, carbon credits are given to the rich or middle-class at the Top or Middle of the Pyramid. But the Bottom has the greatest need, and ethically their offsets should be sold first and at higher rates/ton.

But how do we make carbon credits roll downhill -- and reliably identify their origin ? Consistent and broad implementation of the cell-phone-based Carbon Micro Credit (CMC) system will eventually pull carbon credits downward to their rightful resting place in the hands of the world's most deserving people. In parallel, however, major nations, leagues of nations, NGOs, charities and influential opinion leaders worldwide should lobby for this transformative reallocation of the rewards of the carbon-trading industry.

The cell-phone-based Carbon Micro Credit system described here makes it all possible today.

USD 100 billion for Wall Street bonuses ?

Or USD 100 each for 1 billion needy people in Africa ?

You decide.

Globally & warmly yours,

David Palella
Caped Carbon Crusader
CARBON MANNA UNLIMITED

San Diego, CA
tel: 858-793-0741
email: dpalella@san.rr.com

http://community.keithferrazzi.com/profile/DavidPalella

http://carbonmanna.blogspot.com

*****