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Generation X Microfinance
The Linux O.S. for Microfinance
Super-sizing Microfinance -- "Over 1 billion served" ?
Strategic Microfinance Initiative
The cell phone is THE Solution
How can microfinance rapidly address the immediate needs of "the Next Billion"? Rather thank just a few million people?
The Next Generation of Microfinance must embrace for-profit Free Enterprise, as well as Star Wars-caliber thinking a la Ronald Reagan's Strategic Defense Initiative. Therefore, the main characteristics of Microfinance X.0 will be:
(1) Scales RAPIDLY to 10,000s or 100,000s of families in the Developing World due to consistent SOPs (standard operating procedures), accepted international standards (e.g., the Standard International Carbon Micro Credit & Carbon Micro Credit Registry described in earlier posts below), and parsimony / simplicity
(2) Self-funding, self-regenerating and markets-based via Carbon Micro Credits or another perpetual funding mechanism; No charity is required
(3) It must be based on an inexpensive device or technology platform that ALREADY exists in situ (in place) in the 100s of millions or billions of units. This means the cell phone or mobile. There's no other "solution"
(4) Open source code and completely public domain -- no proprietary systems, software nor equipment, no secret sauce or know-how, no control by any single company, bank, NGO or charity -- in short, the Linux operating system (O.S.) of Microfinance
(5) The only control or referee ? -- one small, non-profit standards-setting group/body that RAPIDLY defines the the SOPs, measures and international standards described below in this blog
(6) Accomplishes multiple goals at once including:
-- (i) MicroEducation
-- (ii) MicroMedicine or public health, and
-- (iii) mitigating global warming.
The current focus is mainly on poverty elimination only; and, finally
(7) No egos involved, no looooong self-laudatory bio's and no "Donate Now" buttons on web sites, no CPU-intensive flash routines on web sites targeting viewers in the Developing World, and no resourceless non-profit minds with zero-sum thinking.
Microfinance X.0 is the roadmap for enfranchising the "Next Billion". Let's free microfinance from the shackles of charity and a poverty of imagination.
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
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Showing posts with label supersizing. Show all posts
Showing posts with label supersizing. Show all posts
Thursday, November 27, 2008
Sunday, November 23, 2008
Super-sizing Micro-finance
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SUPERSIZING MICROFINANCE / Super-sizing Micro-finance
The McDonald's of Microfinancing ?
Various ambitious charitable or NGO initiatives exist to connect a "billion" people in the Developing World to the internet, the telecom grid, or an electronic banking system. However, they all rely to a degree (or totally) on charity or microfinance funding mechanisms that are self-limiting. In contrast, the cell-phone-based, self-funding Carbon Micro Credit (CMC) system described in this blog has no such limitations, and allows for the first time the supersizing of microfinance.
The World of Micro-Financing would benefit greatly by emulating the business model of McDonald's -- applying consistent standards worldwide in every location, while permitting small customization at the local level. Hence the other entries in this blog describing:
(1) a Standard International Carbon Micro Credit (SICMC) = 2 kilograms of CO2/person/day in the Developing World
(2) a Universal Carbon-Micro-Credit (CMC) Registry; and
(3) a CMC Operating System or CMC software architecture for cell phone-based accounting, trading and monetization of Carbon Micro Credits.
International agreement on such standards would permit the rapid implementation of Carbon Micro Credit projects anywhere worldwide in a few weeks or months. In contrast, some of the "billion" initiatives described on internet sites talk about timelines measured in decades, sadly.
With consistent standards, Carbon Micro Credits could rapidly become the Big Macs, frequent-flyer miles, or carbon Euros of the Developing World -- a uniform measure, store of value and versatile currency for the world's poorest people.
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
*****
SUPERSIZING MICROFINANCE / Super-sizing Micro-finance
The McDonald's of Microfinancing ?
Various ambitious charitable or NGO initiatives exist to connect a "billion" people in the Developing World to the internet, the telecom grid, or an electronic banking system. However, they all rely to a degree (or totally) on charity or microfinance funding mechanisms that are self-limiting. In contrast, the cell-phone-based, self-funding Carbon Micro Credit (CMC) system described in this blog has no such limitations, and allows for the first time the supersizing of microfinance.
The World of Micro-Financing would benefit greatly by emulating the business model of McDonald's -- applying consistent standards worldwide in every location, while permitting small customization at the local level. Hence the other entries in this blog describing:
(1) a Standard International Carbon Micro Credit (SICMC) = 2 kilograms of CO2/person/day in the Developing World
(2) a Universal Carbon-Micro-Credit (CMC) Registry; and
(3) a CMC Operating System or CMC software architecture for cell phone-based accounting, trading and monetization of Carbon Micro Credits.
International agreement on such standards would permit the rapid implementation of Carbon Micro Credit projects anywhere worldwide in a few weeks or months. In contrast, some of the "billion" initiatives described on internet sites talk about timelines measured in decades, sadly.
With consistent standards, Carbon Micro Credits could rapidly become the Big Macs, frequent-flyer miles, or carbon Euros of the Developing World -- a uniform measure, store of value and versatile currency for the world's poorest people.
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
*****
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