HomeClass of 013-014- what's your biggest question on curriculum of microcredit, and 1-page answer?blog and Yunus Diary - worldwide and mineIs nanocredit the 4th generation of women empowerment by banking?Understanding KivaUnderstanding Grameen Trustvulnerability - does microcreditsummit have a futureTop 10 Microcredits for YouthMicrocredits Most Critical Activity Connections in 2010sWest Europe's Model Microcredits for Job Creation & Renewal of Economic UnionPose questions to gurus of microcredit doesn't work2012 yearbook of Social Business- Europe and Africamaker faire -one of the great Ygeneration interventions in value chainssocial business- the economics framework of microcredit?Original Grameen Bank caseGlobal Grameen - sustainable world favourite brand partnersGrameenKenya will be best ever becauseResults, Best NewsDefining different ways 7 billion people can use micocreditwhat are 10 most different local bank s americans need for freedom of choice & community risingDecember 08 specification of Grameen Microcredit by Dr YunusCase Studies of being trusted to value multiply MicroEveryServicewhat is microcredit?History of Trillion Dollar AuditingWomen Report MFIAccion's Badwill Mexican Tripwhat's realMc's Three-in-OneJoin 24 people on 64 year round trips to Dhakamicrocredit africaCollaboration InvestigationsBoP; Banker of Poor - Deep ReviewsBig bang of Citizen meetings : how Bangladesh*CA*London questioned the wwwBooks & networks of practicemicrocredit netizen hall of fameProfessions for Purposeful BusinessesResources from Yunus 1000 bookclub begun 3 Jan 08, DhakaMore maps for ending digital dividesTrust Map 2/24 EducationCommunitymicrocredit & world entrepreneur991 project

Value multipliers of knowledge-rich organisations map as Productive & Demanding Relationship System Compounding Exponential Futures Up or Down. Most of the relationship quality – goodwill (aka trust-flow)-  is already invested in the system -so which exponential and how far along are mappable by governing current information on  conflict-free or conflict-ridden the value multiplying coordinates are. Does the leadership team of the organsiation that concerns you most know about goodwill’s exponential auditing.






Group, team, networking


Organisation System


Global Business Partnering

Global Industry Responsibility

Local Society’s Inputs

Local Society Sustainability

Valuetrue welcomes the opportunity to certify organsiational systems that are governed so that sustainabikity's upward exponential is the purspoe everyone is wholly encouraged to flow their inpits and outputs around

Certification of microcredit and its exemplar for social business models (please help catalogue by nation at eg facebook, googlegroup, make a suggestion of a parallel clearing space - info@worldcitizen.tv)


Typical offer of microcredit- open sourced from original grameen banking model

microcredit offers $100 loan with 50 weekly payback installments interest rate is 20% flat

so each weekly installment cost $2.43

the 3 cents comes from recommending that you buy 1 share in the microcredit bank whose price si $1.50

who is offered this loan:

the village's poor women or poor community builders for the sole purpose of developing income generating activity (ie a small sustainable business)

what else:

you get help from a peer circle of 5

in fact most villages are so local that you will see many peer circles helping each other; moreover the branch manager is 100% incentivised not to loan you unless you are ready; moreover parallel branch managers know roungly what number of franchises of each kind are sustainable in each village so you won't be encouraged to go into a business where there is too much supply

there is a very strict rule - no gifts to be given to banking staff; this is part of the culture of ensuring that the granting of loans is transparent, open , equitable

as well as borrowers, the local community is encouraged to take out savings accounts- a branch is only given a full cretification when it has achieved several goals: firstly self-sustainability of the local branch ie more communal savings coming in than going out; second since the purpose of the bank is to take both individuals out of poverty and to develop sustainability of the community they live in - members agree to a set of club rules- in grameen's case these included our branch is not certified as fully operational until every child of a member family goes to school

the microcredit bank is entirely owned by its borrowers, and since new borrowers must come from the poorest parts of the community valuetrue sustainability investment mapmaking professions can certify this is wholly assured as a social business - one where the organisational system -its compound future flows and value multipliers - are coordinated with shareholders who are 100% aligned with the long-term system purpose - to end poverty


Whilst we concur with the finding of Dr Yunus and Future Capitalism internet partners that any systemic map, that is measurably compounding the end of poverty will need to find solutions to ending digital divides, we welcome suggestions of direct routes to this

.Back in 1984 my father forecast that human sustainability would depend on discovering over 30000 community-rising projects and openly replicating these to any locality with a matching problem. We had assumed that public broadcast media would play a ;leading role in that which clearly it has faled to do. We have colaborated in many blogs which try to keep an eye out for cadidate projects - one messy example being http://project30000.blogspot.com/ In summer 2006, we used raw data from such blogs to survey hi-trust people connecting community-up solutions. Our main findings : education entrepreneurs at their best are doing more bridging of digital divides than most other fields ; howvere most of all is being done by Dr Yunus and those who share his maps.

We continue micropublishing reports primarily on education entrepreneurs at http://www.valuetrue.com/home/gallery.cfm
Reports are coming in of the latest on very interesting approaches to ending digital divides led by Scott McNealy and practised at Sun Micro and through their many open source partnerships. There is a particularly interesting dialogue to frame around the interface between Intelectual Property and Open Source. back soon after studies!.

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