The good news is that the total bottom up banking systems of Bangladesh have been relentlessly integrated by brac from microcredit plus to brac bank to cashless banking bkash; that youth have been snspired to digitalise community banking circle apps (eg ) and p2p networking; that yunus has demonstrated how the first gamechanging infrastructure of the mobile age is green energy for a billion off grid peoples; that worldwide soros, women4empowerent and MIT networks have mobilised what eg yunus isolated in Bangladesh could not sustain when opposed by al all of Bangladesh's top-down government. However Yunus remains youth world fairs greatest attraction - the antidote to corporates whose ad agency's greenwashing audits communications as all about image and addiction, nothing to do with sustaining future generations and celebrating livelihoods

if you care about future if egrameen, why not come and blog with us at washingtoin dc mobile 240 316 8157 
What made pre-digital grassroots Microcredit brilliant has passed on the baton of womens epowerments as the greatest economic movement our human race as ever celebrated. However operationally has failed to survive the digital revolution sustainably (except when tied to pockets of Yunus fame). Moreover its smart side was incoveniently misunderstood wherever big  banking experts , students' professors or summit hosts didnt understand that womens community trust through health networking was integral precursor to exponential rising practices of microcredit village networking; meanwhile the empowerment of mobile 2.1 depends on newly interfacing operations that are virtual apart from the last mile



 By 2020 how many of the end poverty world's top 20 energy or agriculture projects will be connected with Yunus? 

Please help with suggestions 

I assume that total microcredit women banking models linked to yunus can count millions of mslla agriculture jobs 

I am watchning Grameen Shakti Solar Energy will remain a top 20 case 

I like Grameen Intel big data partnerships -the 2 cases I know a but about are they helped nabard the world's largest microcredit transform its agricultural database into mobile apps; they have recently linked a partnership between IFAD, USAID and Cambodia aimed at mobile apps that trip Cambodia exports of rice by small farmholders 

I would love to hear whether yunus social forestry project partnership with branson (in hait i believe) could get on a roll 

Does anyone have information on whether partnership of grameen with japan on beans/lentils is growing

 Does anyone know if yunus has any partners in china that may come up with a top 20


Depending on regulations and foci its possible that total french originated funds of grameen agricole and danone communities


online library of norman macrae-- from The Economist is one of 20 web sites obeserving youth and yunus job creation and races to end poverty

maintained by journalist and open education friends of Norman Macrae family foundation. Normans last

public birthday party (85th) was with Yunus at London's RAC, Saint James; and Norman's ;last articles on

how Bangladesh had broken through the miracle of ending vallage poverty are in this pamphlet (front cover solar

girl power which we use at Norman Macrae Remembrance parties- the first of which was with Principal of Glasgow University

and Adam Smith Sccholars Glasgow 4 July 2010- an occasion to share Muhammad Yunus 70th birthday wishes

Typical hot correspondence fall 2014 from diary of chrismacrae Norman Macrae Foundation of Youth Capitalism and Open Learning, and The Economist's founder of curriculum of

Entrepreneurial Revolutions:next 3 billion jobs

Dear Estelle

Nice to hear from you -sounds like wonderful meetup on technology's next stage to end credit cards

. I had been wanting to reconnect you and your dad yves with naila- i think you know that she started grameen phone with yunus in 1996, and for 3 years to 2012 tried to help him lead grameen solutions-for the last 3 years she has been a neighbour of mine in dc; she is reconnecting all the mobile telecoms owners she has ever met with extreme womens empowerment networking and with kenyas model of nanocredit -she also knows the quadir family at MIT (co-founders of grameen phone in 1996 which was funded by soros) whose network does all the main coding and tech architectire that started up mpesa and bkash

can we arrange a skype between you, naila  naila.h.chowdhury and your father or some conversation   - chrismacraedc

regarding The Economist - I dont recall the last time they directly took any notice of people I know

estelle did you ever meet up with the founding directors in paris of - i would suggest phoning yacine barro and saying I recommend she sends a journalist

back at The Economist you could try the edito;'s secretary who organised the party as she would probably tell you functionally whose remit the story was in or phone her; I dont think the editor john reads his general email but it is - technical social and philanthropy innovation is supposed to be matthew bishop's area but he is in new york most of time; adrian wooldridge often does the deeper research for john or matthew

I copied zashhem and mostofa who had some dealings with The Economist in circulating journal of social business; also zasheem and I still try and find ways to reconnect soros- and all 4 of me, naila , zasheem and mostofa talk to sir fazle abed; if you have something you want sir fazle abed to know about - and frankly he's in the middle of the only integrated national banking system that makes sense to me for rural microcredit, to conscious city banking to cashless banking then we could find the best way to hand it to him - either in dhaka or at the next prize he is being awarded in new york last week of september

I copied stefanos as he's uber connector of tech savvy youth out of dc and across africa especially ethoipia where dc is on a roll with great agricultural value chain models and the elearning satellite  ( next week i chat to world bank's open learning campus)  -yvonne and enika mobilise young africa society searches for radical to catalysts of job change across africa


and i think you also know grameen intel's kazi huque

but as I say the more you brief naila the  more your technology can link with the real doers of mobile empowerment -she has some mind boggling projects going on also with the family who elad the international telegraphic union out of geneva who might interest you as they are nationals of MALI where I believe your field test started many years ago


ps you know jean claude's latest product out of kiva family- now anyone in usa can start a saving and loans banking circle with no work to do in terms of all the digital accounting 

queries welcomed washington dc 301 881 1655- changing dismal media- the most joyful journalist assignment of all

 related webs : millennials 1 2; women ; transforming Trillion$ markets 1 2 3 regional Africa China Japan Americas Europe Scotland UK France "Global Village" ; education


Jim Kim's 2030now invitation to millennials 

We second World Bank Jim Kim's proposal that until 2030 the 2 massive collaboration networks to value most are:

  • The millions of village mothers (eg 15 million in Bangladesh) who showed how to network the race to end poverty
  • 25-35 year old professionals where they are the most connected, educated and caring class our human race has ever joyfully parented 

You Can Hear Me Now - : How Microloans and Cell Phones are Connecting the World's Poor to the Global Economy [Nicholas P. Sullivan]..

3:37 TheGreenChildren

Filmed entirely in rural villages of Bangladesh, this video features women borrowers


Are You Ready to Take It On? End Poverty by 2030  World Bank JIm KIM:

next social movement summit at world bank 




Bangladesh became the first 100 million plus developing country to demonstrate that when less than 1% of people have landline phones, the national economy leaps forward if mobile access becomes universal starting with the poorest.

Affordable Access means mediating both the sharing of life critical communications and open sourcing job creating apps/microfranchises that change market's value chains.

1996 Birth of Grameen Phone

20 years on

If you like the story of grameen phone 1996, you may like to play 2015's game of world greatest job creators

rule 1 discuss with your social network, votes for 10 greatest job creators. Try to choose 10 different roles that can collaboration entrepreneur more than the sum of their parts -eg dont just choose 10 greatest tech wizartds without choosing someone most trusted by communities facing life-sustaining problems

guideline 1 -if relevant, for any of your top 10 , map how their last 20 years of innovation overlaps with the goals of the dream of grameen phone linking in youth's millennium goals including job creation  - atlanta nov 2015 invites all future capitals' job creators to twin in debriefing this or other most exciting opportunities of being a millennial and celebrating #2030now

 Hubbing @ the most social network on the new millennium's planet?

Pre-1996, the only communications space that Grameen Bank's village mothers enjoyed was a small hut with a vegetable garden outside - one for every 60 village mothers. Out of a network that grew to over 100000 village hubs, Grameen mothers swapped produce and animated a village farmers market, shared knowhow especially on maternal and infant health and education geared to actioning the 16 promises they made to the community and their children every week as they transacted financial records of savings and loans. These spaces were the most deeply social ever designed because of the collaboration challenges women in villages faced due to absence of telecommunications, electricity, running water, sanitation, roads etc -and the gender issues they jointly faced.




By becoming income earners village mothers gained self-respect, they had a fair chance to take their own life beyond the poverty line, for sure they could break generations of illiteracy ensuring their children the opportunity of leapfrogging way beyond 20th c village poverty.


Until 1996 with no phones and a culture that locked women in to each village , the only way that Grameen's end poverty womens hubs could share solutions was through the weekly visit of the Grameen Bank staff. Can you start to imagine the freedom that was unleashed when  mobile phones came to the villages in 1996, thanks to funding from George Soros (G1) with technical  innovation from MIT media entrepreneurs and Norwegian telecoms. The whole design was amplified by Muhammad Yunus. His two-pronged approach

  • First linkin every community hub around one telephone lady -the most exciting microentrepreneurial franchise of 1996-2005 - see eg the green children'd hear me now
  • Second  to experiments with global village labs around technology partners. Imagine what impossibles become possible from marriages between those with the world's greatest technology and mothers facing the most life-critical innovation challenges. 


< font-size: 10px">In a flash the life resume of Muhammad Yunus changed from being just the banker for the rural maternal poor, to becoming additionally the digital dreamer for the open learning net generation. At the inauguiral world microcreditsummit in 1997, he was already linking in dozens of the most exciting concepts humans and especially youth had ever been free to voice. The collaboration entrepreneur search was on for microfranchise solutions to millennium goals - converged round poverty museums as the most exciting race humanity has ever united our species and nature around.

Don't you just love Economics and Communications (E&C)

 Reason why any parent should love E & C The hi-trust economist, Keynes, said that what futures… (see below)

 related link: 

Reason why any parent should love E & C

The hi-trust economist, Keynes, said that what futures will be possible for your children and grandchildren depend above all else on system designs these two experts make. They are the designers of whether man's biggest organisational purposes are valued round goodwill, transparency and human sustainability. And their impacts have exponential consequences for better or for worse.

If economists had truly implemented Keynes knowledge- the 2010  nostrum of a system too big to fail would never have had currency -preventing such systems  as too big to exist would have been a hippocratic oath of any professional the public grants a monopoly to rule over us

Mathematically, this means that any analyst who quotes numbers to you isnt worth a future cent to millennials #2030now goals unless he also shows you how you sustain the exponential future consequence mapped around trillion dollar goodwill auditing that collaboration entrepreneurs value

SUSTAINABILITY'S 2 Endgames- Expoentially Up or Down : 2030, 2025, 2018, 2015

 Since 1950 the world has spent more and more on communications, and today's net generation is in the midst of a communications revolution which  makes history's innovations including the printing press and the steam engine look like minor blips in transforming human connectivity. What are the exponential opportunities and risks of this? Everyone concerned with humanity's future needs to urgently engage all their networks of friends in exploring this question-this is the only way that the peoples we can win-win from an increasing borderless and cross-cultural world in which the sustainability of everyone's community trust interfaces with everyone else's





7 wonders of Youth & Yunus 

how to make a job creating youth olympics the most popular twin city movement to host -more popular than any sporting world cup!

what will ending a world in which half of people are unbanked entail

how do we make the world's best job creating university free online always accessible to all

how would a nearly free nursing college be the catalyst to 8 times lower cost better quality health service for all

what does a place need to do to ensure it never loses a youth who could be a brilliant open source tech wizard of sort that ihub economies flourish around

what would a clean energy. water, food secure and zero waste curriculum look like from grade 3 up- and how to tune this with connectedness of human race and nature being a win-win around the 21st Century's global village planet

how can a place's most trusted leader of next generation goals organise monthly social business fund competitions for youth


25 years of work of my grandfather with Mahatma Gandhi forms this idea: OPEN Education and peaceful transformation beyond a failing nation go hand in hand

SO..........How did education today become the most misdirected investment in so many places around the world? Curiously, part of the answer seems to be that many of the western social entrepreneurs inspired by Gandhi did not value his main transformation idea. If you find your country being ruled by a regime which is increasing putting more and more of your people's livelihoods in jeopardy with laws that do not empower everyone's rights, start a completely new education system, Several of the best  job creating education systems in the world have been inspired by Gandhi

the 40000 village schools of BRAC in Bangladesh, which empowered 15 million vilage mothers at BRAC and Grameen to end generations of illiteracy on behalf of their chldren

Training teachers in Paulo Freire's revolutionary framing of how to action learn

city montessori at lucknow


and probably its no cultural accident that the greatest change to curriculum at university and schools is being celebrated in Mandela's S Africa- the second nation of Gandhi..........


khan academy and viralising 9 minute action learning competitions


how open space unleashes the greatest innovation talents from age 9 up


empowering a human to maximise time spent at experiential edge of own most unique competence


open learning campus and world record job creators game of MOOCwho


understand how MIT became the developed world's number 1 job creating alumni network


valuing fast replicating educational franchises such as kenya's bridges academy


researching why 10 million chinese families made the book of new zealand's a bestseller 


Purpose- to help young people mobilise the next billion jobs that couldn't even be defined until the net generation's million times more collaboration technology existed. we've seen moore's law's doubling of annual power of chip technology- its time to see doubling of empowerment of knowledge-sharing solutions to every communities most critical nees which have lots in common acriss a borderless world where faililies may wish is to see their next generation progress

Our search began in 1972 the first time The Economist's champion of Entrepreneurial Revolution networks saw a working internet - digitally connecting 500 students across 4 universities in North of England- references 1972 the next 40 years; 1976 entrepreneurial revolution - the need to change economics and every big 20th C organsiation typology if the net generation is to be sustainable and to co-produce the greatest new millennium goals; 1982 intrapreneurial now- we are all becoming service or brain co-workers - this led to the 1984 handbook for entrepreneurs who wanted to help the net generation be the most productive and sustainable time every community has ever experienced-and this map of focuses to connect 3 billion jobs round

jam.jpg green examples that mobile youth are helping to co-create

Y6 Mobilising Clean Energy & Ending Unsustainable Waste

kenya is linking mobile banking to financing solar energy installation - particularly to the third of the world that is on no electricity grid -since 1996 Bangladesh's grameen shakti has shown how the world's poorest communities are doubling deman for solar installations provided 1) these investments can be financed through small loans; that all the after-service work creates jobs in the communities; a co-founder of G Shakti has started - this uses mobile records to agregate each household conversion to solar to a large enough numbers for local networks to claim carbon offset credits on aggregated world markets- this principle of sharing global credits back at the micro level of change could be applied to any incentivisation of regaining sustainability locally in every way that is urgently needed now that it is seen that 20th century economics specialised in extracting from localitoes in ways that disnvested in all of our children's children.

Y5 Mobilising Food and Water Security

Way Better than Chairtable Fair Trade: Mobile technology is helping small scale farmers market high quality (eg organic) products which middle men previously reduced to lowest common denominator commodity prices  -for example by mixing e-cash and e-agricultural-exchnages in ways that are cooperatively owned by local farmers we can change any agricultural value chain where big players previously put the squeeze on the elss powerful every quarter. Bangladesh has a double-first movers advantage in sharung with the world how to do this. The real microcredits have since early 1980s changed value chains so that the poor (not the rich) owned the marketing channel and so how the value added was divided across the chain of job types that each agricultural value chain comprises- then in 1996 banagldesh became the first nation to connect rural villagers with mobile phones empowering bottom-up experiemental labs on how networking can value life's most critical APPS.

 NEXT BIG IDEA - can you help 100 historically black universities colaborate in building a 21st C Agriculture & Techology University in America's poorest county 

this could bring to usa real agricultural labs; it could open education resources worldwide on bottom-up sustainable agriculture and energy

it could unite  the energies of 12 years of student entrepreneur competitions  hosted by  and celebrated by such progressive youth sponsors as converging on 2012-2013 celebratuions of youth's greatest solutions to social and business challenges



 youth most exciting survey?  -we seek pro-youth investors as associate web partners:

see eg Ning of The Economist's last microeconomist; ning of leaders and yunus 

-coming soon ning of how entrepreneur labs at MIT creates more youth employment than all other us business schools combined 


We need help in surveys of 50 Most Exciting Youth Prodiuctivity projects of 2010s

1 Nobel laureate Yunus is one leader in middle of 560 urgenet youth productivity projects - who/where else do you nominate as a survey focus 

2 Why are we passionate about this- Europe's greatest microeconomist (aka dad Norman Macrae Unacknowledgeg Giant) of the second half of the 20th century forecast in The Economist (major writings here) that the decade of 2010s would be time when 10 times more youth productivity of net generation would be won or last. From 1976 he invited enetrepreneurial revolution hunt of chagge in organsiational system designs and professional rules compatible with this clue that emerged from research of John Von Neuman's life

Johnny grabbed other people's ideas, then by his clarity leapt five blocks ahead of them. and helped put them into practical effect. We think this is the social action that smart people exist to mediate - especially when you joyfully adopt Johnny's belief that computers will allow research teams to tackle one hundred times as many projects 100 times more quickly.  More on organsational research here

3 Irreversibility - urgency comes about in 2 ways: in some cases eg energy 99% of investment took a wrong global turing over the last third of a century and is now for the first time threatening to make manmade scale conflict with nature's planetary scale; in other cases unique flows of work come to a natural endgame (last best global summit stage; lifetimes or authority as world leader are coming to and end). Most of the projects in table belo0w are o0f this second type. 

Types of Projects – Network deadlines

Cannes NovemberMadrid NovemberLondon Summer 2012 
Types of Project – Regional collapse of youth productivity
USA CollapseArab Spring Collapse including BEuro CollapseEcology Collapse eg Japan
Types of projects wrong economic metrics and dynamics
Compound purpose/risk -Lack of trust/colaoirationExpoentials bubblesLack of transparent multi-win models
Types of projects – wrong education-media for youth productivity
Types of projects – trillion dollar races
Who owns bankabillionWhat extreme innovation partterns ChinaWho owns 10000 rural telecentres or poorest virtual marketsNext energy and sustainability critical



Celebrating Youth's greatest fans ;  help us journalise Who's Who of number 1 Future Correspondent of every Year's Peer Network  


rehearsals - what could net gen already be enjoying if we transforned 1) education 

Breaking News - Can you help vote for 50 most exciting net generation projects -and youth knowledge networks -  leaders are investing round entrepreneurial spirit of muhammad yunus

after 35 years of hosting dialogues on Entrepreneurial Revolution, we find transparent win-win-win investment models of worlds 50 most exciting networks the greatest challenge


Back in 1972, The Economist started an international economics competition on whose community investment solutions could prevent global financial meltdown in 2010s. The main prize in this competition was awarded to the grassroots network entrepreneurs of Bangladesh in 2010


 A revealing yesterday 
Business and Finance - A survey  "The Next Forty Years"of Multinational Business in which Norman Macrae first argues for blending the roles of exponential economics and future historian. He also starts a listing of macroeconomic short-term fixes prompted by world wars that need to be addressed if the world's entire financial system is not to collaspe in 2010s
The Economist. Saturday, 22 January 1972.
Pages s5-s8. Vol 242, issue 6700.


According to General Theory of Keynes:  increasingly only economics rules the world;

This leaves 2 opposite system-round choices : the dismal macroeconomics of old wall street, or youth's joyous microeconomics of sustainability exponentials rising

Chapter 1 – First Visit to MY Global Villages?

If you go to any one of the 100,000 plus Grameen Villages in Bangladesh you will find a covered centre that 60 women villagers use as a community space to do banking, share knowledge and create a market exchange - and a vegetable garden.


It seems remarkably simple that the human race’s greatest entrepreneurial revolution was planted at such facilities- a movement that the world of the 2010s can interact with to :

  • reverse every collapsing macroeconomic rule,
  • help job create so that the net generation is ten times more productive
  • cheer young people everywhere in celebrating the most exciting goals including ending poverty.

However to network with what Muhammad Yunus - and the first 40 years of the grassroots networking nation of Bangladesh built mainly thanks to the poorest mothers and their children - it is critical to understand contextual details that must be respected , as well as those that can be adapted as you design community markets, peer to peer learning telecenters and the world’s safest community banks.


The Global Village network that Bangladesh ’s Poorest Village Mothers Built

Muhammad Yunus is a Bangladeshi economist who founded the Grameen Bank in 1983 to provide credit to the poor. Access to credit, he believes, is a fundamental human right. Grameen Bank has 1,084 branches in Bangladesh and serves 8.1 million borrowers. On any working day, it collects an average of $1.5 million in weekly installments. Over 94 percent of the borrowers are women and 98 percent of the loans are paid back. He was awarded the Nobel Prize for Peace in 2006.

Can we piece together a global and local atlas of project action networks that have been inspired by the mission of Yunus and the centre of gravity his open system designs have given to sustainable economics? We wanted to assemble a fieldbook that could rapidly update with the net generation’s exciting challenges of 2010s. So we chose to  build on the order of major entrepreneurial foci that Grameen and partners assembled along the journey which started out in 1976. 

1 Banking’s Most Exciting Projects’ Action Networks from 1976

2 Infant nutrition and maternity’s most exciting projects from 1980

3 Home and Health’s most exciting projects from 1985

4 Global village consulting and peoples summits  on the economics of communal trust from 1989

5 Digital age’s most exciting projects from 1996

6 Energy’s and Ecology’s most exciting projects from 1996

7 Education and Job Creation’s most exciting projects from 1997

8 Youth mediated public and private, global and local partnerships’ most exciting projects

9 2010s Human Race’s most exciting networks to escape global economic and sustainability meltdowns
















































Leader  Goal Next networking deadline 
 Sarkozy, President France Help end way EU trapped up to billion poorest farmers - crisis cluster food security Cannes November 2011
 Riboud, CEO Danone Develop social business portal to excite youth more than ads -crisis cluster media continuous  
 Grand Duchy Luxembourg and Riboud Turing large scale social busienss funds into social capital markets continuous= danone does a public review every april; it is unclear (to me) how Luxembourg's work at Grameen Creit Agricole gets celebarted by youth
 Queen Sofia Use microeconomics to help spanish youth netgen be productive -crisis cluster macroeconomics= losers November microcreditsummit near Madrid
 Queen Sofia ditto all youth that Euro macroeconomics is disinvesting in including greece, italy, UK, ireland, france November Microcreditsummit
 bangladeshi youth villagers and probably monica yunus youth ambassador 5000 - peer to peer mentoring across all yunus youth networks, entrepreneurial bangaldeshi expats and grameen interns to see which 5000 can ask the best questions back in their own nations on whether pro-youth economics and pro-youth media are being invested in so net generation can be most productive and goal accomplishing 
 Intel using technology to reduce costs of tracking life critical info -crisis cluster : hi-trust hi-tech ends digital divides continuous
 John Mackey showing that an american ceo can create economic partnerships with poorest in 40+ countries instead of externalising over them  -macroeconomics=losers continuous
 Bula & Showing Brazil -along with Bangladesh and Kenya -  can be in top 3 nations to empower microcredit economically to end poverty - microeconomics=win-win-win search brazil-yunus poverty alleviation efforts -continuous
Jack Ma  Helping co-create China's next 100 million jobs - what ebay could have done in usa if its leaders had used their 100 million funding of micro mdoels to support yunus enetwporks instead of competing with them continuous
 Danone Creating a world trade triad with china , another country (in this case france) and yunus by showing how to generate the next billion dollar new category to be something that is vitally needed - continuous - search  Ying Yang Bao
 Triad 2 russia poland yunuswhat the world's youth needs is the best economics of communism and capitalism together with none of the politicians or short-term vested interest groups that either system ended up promoting top-down: poland wants to help EU find microeconomic sanity while it chairs EU meetings and had the good sense to be the leaimpacted EU country of the wall street subprime and ratngs agency virus; at least 3 russian american networks are the gereatst supporters of youth that I have been able to find in 10 years of searching out of washington dc - one is monica yunus ar - if you would like intros to others who are trying to learn who to turn worst of capitalism and communisum to best mail me at   
 Uk people  help euro royals to shame 3 politically rotten media users - bbc , murdoch, olympic advertisers - to change how they use media to help net generation create jobs and end cultural conflicts at deep community levels deadline summer olympics 2012
 Turkey Help Turkey be best modeller of microcredit -hopefully one that can yet liberate many Arab Spring entrepreneurial revolutions continuous
 EU & USA End ratings agencies and goldman sachs valuation of countries by numbers continuous
 Japan Emperor Renew japan as world's greenest country with green social business stockmarket continuous but helped if bbc reforms  befrore summer olympucs
 Monica Yunus Artists peace corps- this francise is being fine tuned out of New York as a positive ersponse to 9/11 - its led by superstars and budding superstars who fundraise so that local arts programs can be enjoyed in poorest schhols and hospitslas; as it moves to a worldwide phenomenon it looks for superstars who want to support bottom up sustaonable models of tackling society's most urgent problems; it also aims to linkin to other youth experience programs that have been parly or wholly inspired by yunus or bangladesh (note in 2009 the nobel peac senior judge visited dhaka and spoke to 1000 youth as leaders of tge net generation that worldiwde youth can benefit from linking into;  
 Education Ambassador 5000 - linkin searches suggest new zealand and lucknow india are 2 places with 25+ years of experiments convergent with yunus edu one of the strongest values of the daughters and sons of the 8 milolion grameen microcredit parents is however qualified you get most jobs of the future will need to be created by youth not waiting for those who pass the most theoretical exams. This statistical fact is already estrablished in most of the developing world, and youth in developed nations whose schooling denies this worldwide change are being badly served by governments and all who administer teaching 
 eg oz's

 youth iq test on what kind of banking and economics freedom depends on- all the glorious verbiage on freedoms in national charters of interdependence counts for nothing unless most youth are litreate about

1 ways politicains destroy their economics futures

2 ways bad banks try to tarp you in consumption debt instead of investing in your productivity

 hec and ring of 10 world class universities

 sustainability mba - it would help people a lot if a nation's brightest business brains were taught multi-win models not multi-lose models -technical reference unseen wealth. crises of goodwill, intangibles, transparency and sustainability exponentials;

the good and bad news is every most exciting goal youth can network depends on changing the world's greatest maths error - currently being compounded by global rules professions ; we are suffering globally what gandhi and einstein had to resolve when english empire's professions were using rules that compounded ever greater pverty at local vilage level

 catalogue all conflicts that can yet prevent 1976-2075 being asia pacific www century my father's surveys in The Economist 1975/1976 provided a first simple checklist of how and why to celebrate trading with asia pacific www century; its time to have a comrehensive list of the last conflict cengtres blocking this future; my grandfather worked for 25 years with Gandhi so trying to help mediate asian conflicts before they cause meltdowns is a family focus as part of our work as transparency mapmakers 



Our  valuation of entrepreneurship (see 1976 survey of entrepreneurial revolution) and e- (see first journalist's future history of the net generation) lead us to number 1 valuation of muhammad yunus and his networks of exciting youth and leaders projects. Recommendation : vote for your country to get as much Muhammad Yunus advice as possible. The net generation can still be 10 times more productive than previous generations but only if we change economics, and reduce degrees of separation prioritising life critical information flows and open service solutions hubbed across 2 million global village networking economy (an empowering entrepreneurial way ahead first advocated by Schumpeter).

The Norman Macrae Foundation has sponsored Adam Smith scholars to help worldwide collaborations in the journal of changing economics   and world class projects

Rapidly innovative resources and transparency mapping connections for 2011 - Nings: GlobalGrameen YunusCity  LeadersandYunus NormanMacrae Freemarket  

For more on job creation and celebrating joyful changes to economics in every way ion every day , please visit and and

This is the sort of email we circulate round members of this web who are all passionate about collaborations in technology for or by the poor -partiticularly mobile technology which due to investment by Dr Muhammad Yunus and some of the world's poorest women in 1996 has turned Bangladesh into a world class leader in this market in the 2010s. (tell us if you want to join our circulation lists)

 idea of sept 2010 dhaka meeting with yunus:  1 tech for poor; 2 economics for youth

dear borje & egrameen fans of Dr Yunus
as per our skype today I am trying to connect with yunus supporters who feel passionate about these 2 foci as needing annual expos and continuous collab preparation; economics for youth has become my family's commitment to remember my father whose last articles from 65 years of microeconomics journalism were on yunus http://www,
if humanly possible, several of us will visit yunus in dhaka late september- here's where our  tech for poor delegation is at...  your inspiring connections needed!
1 mostofa  who yesterday reinterviewed KI (yunus number 1 tech expert 2007-2010 - now head of grameen phone IT) is preparing a guide on who to visit in dhaka to see mobile for the poor and identifying a small circulation list of bangladeshi youth passionate about tech; it is our understanding that yunus national startegy is to make bangladesh a world collab leader in mobile tech for sustainability
2 zasheem, a lifelong compatriot of yunus and liberation of Bangladesh ,  who organised 4 day collaboration entrepreneur event round yunus in glasgow in july is starting both a journal of social business and revision of glasgow uni curiculum; this gives us opportunity to continuously publish and disseminate news on tech for the poor (the back pages of journal could permanently update news on tech for poor's greatest advances for job creation - how soon can tech create the first billion jobs impossible before net gen)
3 estelle is a french journalist (who spent 2 months filming in Bangla last summer and whose dad runs a mobile social business critical to winning the frace to ) is able to both connect what paris is doing especially the world lead that olivier at offers ; who are the world's leading visionaries?:  (Grameen Intel, Kyushu,  (jack ma china's ebay? nilekani indian web? .MIT.? crowdmaps as innovated by google;s new head for Africa) -and social action leaders-  on tech for the poor that we could help her to interview for joint publication
4 jonathan has grown 50 colaboration capital hubs in under 7 years; 6000 entrepreneurail members ; a model that both the white house and yunus want to interact with; we want to centre with pretty well anything his subnetwork of tech entrepreneurs wish to connect; lesley who has helped host hub culture is one of his most trusted human portals to end african poverty hubbing out of joburg- she first met yunus at my dad's RoyalAutomobileClub lunch feb 2008
5 Melanie organises a biannual global summit  (next november 2010 san francisico) uniting california collaborators in millennium goals; she is considering surveying any of her members on 1 pager tech for the poor projects and publishing this for all delegates to celebrate; if it helps to offer a $5000 drinks party budget as part of this celebration , then norman macare foundation is delighted to do this; jonathan has 2 bay city hubs that might join in too; caitlin an economics graduate works in bay city area after being first us student to host a year long social busiess club (Swarthmore)
how can we connect with your ideas borje and everyone who believes tech for the poor is make or break as we drown in job mass destruction of broken wall streets and eurolands and secret societies out of switzerland whose subprime lose-lose games rule macroeconomics world?; as a New Viking I know you proposed asian institute of technology could help with an annual expo of tech for poor (and you bring to yunus authority of a family that has been in Nordica's community banking through many generations) ; anything we could take to yunus on your behalf would be welcomed by zasheem and all people with a liofelong colaboration commitment to yunus and making 2010s most exciting youth networking and job creating decade

chris macrae

dc 301 881 1655


 books birthdays 10000  olympics  e   family-foundations



sustainability story of 1984 by primary editorias writer of The Economist 1949-1989

Our 1984 scenario of an internetworking world

The great technological event of the next 40 years will be the steady rise in importance of the Telecommunications-Computer terminal (TC for short)... By 2005 the gap in income and expectations between the rich and poor nations was recognised to be man's most dangerous problem. Internet linked television channels in sixty-eight countries invited their viewers to participate in a computerised conference about it, in the form of a series of weekly programmes...

In 2024 it is easy to see this as a forerunner of the TC conferences which play so large a part in our lives today, both as pastime and principal innovative device in business. But the truth of this 2005 breakthrough tends to irk the highbrow. It succeeded because it was initially a rather downmarket network television programme. About 400 million people watched the first programme, and 3 million individuals or groups tapped in suggestions. Around 99 per cent of these were rejected by the computer as likely to increase the unhappiness of mankind. It became known that the rejects included suggestions submitted by the World Council of Churches and by many other pressure groups. This still left 31,000 suggestions that were accepted by the computer as worthy of ongoing analysis. As these were honed, and details were added to the most interesting, an exciting consensus began to emerge. Later programmes were watched by nearly a billion people as it became recognised that something important was being born.

These audiences were swollen by successful telegimmicks. The presenter of the first part of the first programme was a roly-poly professor who was that year's Nobel laureate in economics, and who proved a natural television personality. He explained that economists now agreed that aid programmes could sometimes help poor countries, but sometimes most definitely made their circumstances worse.


update of sustainability story requested by dr yunus glasgow nov 2008



 Not quite a social business case

*Grameen Solutions open source property asserted by The Social Busienss Action Team - Q&A welcomed by team - chris.macrae

Could you imagine the world’s poorest making an investment in a 21st C world leading sector?

This is not technically a social business being a for profit but largely owned by social business partners including a majority shareholding by Grameen. Arguably it is the most exciting investment majority owned by a microcredit bank. It converges the future of the mobile investments interests that Muhammad Yunus (with some extremely timely advice from MIT entrepreneurs) began in 1996 when a world bank consultant predicted that only quarter of a million Bangladeshi’s would ever own mobiles. Dr Yunus invested in Grameen phone getting the mobile franchise at cents in the dollar- this company’s majority partner is a Norwegian telecom though there has been a dispute about ownership and whether Grameen has been fully rewarded for its brand equity. Today over 40 million Bangaldeshi’s use mobiles- and about 4 billion people access digital worldwide via mobile where internet access by computer terminals may be only just over 1 billion.

I think it is fair to say that Muhammad Yunus is ever more optimistic that digital technology can sustain the world where maybe many in NW hemispheres have lost some of the pre-millennium euphoria. It is this attitude of his which makes me optimistic than in the 2010s we will suddenly start accelerating millennium goal momentum in ways that were last in  the 00s. NW hemispheres have not found that many applications where the value of knowledge multiplies on all sides even though compared with consumption of physical thin gs the hope of the networking economy as one that can advance humanity beyond poverty must be based in knowledge’s positive value multipliers

Grameen Solutions with partnership projects eg  can rightly claim to be a world leader in smart uses of mobiles, and a leading gravity for partners who believe it is precisely the first network generation than can open source an en d to poverty. The new projects of Kazi Islam, CEO of Grameen Solutions, are I must confess an area I most look forward to being updated on when I visit Dhaka. When it comes to using technol0gy to create jobs, I believe the 2 most dramatic entrepreneurs in  the world today are Muhammad Yunus and Jack Ma “I want to help china create 100 million jobs”, Clinton Global 2009) of Ali Baba the nearest China has to an ebay (with Nilekani of Infosys in India not at all far behind!). One of the best bits of news in 2009 was that they have entered into some job creation social business partnerships – keep searching!  

 Further Reference: Growing Up With 2 Giants-  a prescient leaflet of Yunus written  2006 on National Partnering Strategy for Bangladesh 

congratulations to Dr Yunus, Obama Presidential Laureate Aug 2009- a Ning for those who want to thank goodness yes we can 1,.0 and yes we can 2.0 are meeting up!

dedicated to young people and yes we can networkers who want to end poverty and sustainably invest in the woprld using the only proven microeconomic models for doing this which were deveoped since the 1970s in bangladesh primarily by Grameen and BRAC- since Grameen's 69th birhday present to Dr Yunus included a brand new web, we start with some of its official links that we like touring first

.Tour Grameen's History of Sustainability Investment 

 Grameen Bank

Grameen Employment Services Ltd.


Since 2011 many grameen companies started tio be nationalised- please report which webs disappear or other news

Summer 2011, this list of social business foci is prioritised as a first tour

.Grameen Future Capitalism Partnerships

Grameen Danone Foods Ltd

  •  Grameen Veolia Water Ltd
  •  Grameen Intel
  •  BASF Grameen
  •  Grameen Otto
  •  Grameen Felissimo
  • Universities etc

  • Grameen Technology Lab, Kyushu University
  • Yunus Centre, AIT, Thailand
  • HEC
  • California State University- Channel Islands- Institute of Social Business
  • Zayed University, Abu Dhabi
  • MIT Yunus Challenge
  • Asian University for Women
  • Yunus Social Business Centre at University of Florence
  • Social Business Earth
  • NUS
  • Malaysia

    .For Profit, Owned wholly by Grameen's Not for Profit Companies or Social Businesses:

    For Profit, Owned Partially by Grameen's Not for Profit Companies or Social Businesses :

    Major Global Social Business Funds & Portals operated by Yunus Partners: DanoneCommunities GrameenCredit Agricole
    Partnership Agencies GrameenAmerica GCL
    Approved Youth Movements: SingforHope TheGreenChildren MFIconnect

    a special 69th birthday -our blog discusses sustainability projects young networkers of Future Capitalism around the world are bringing to and from this party 
    first, some of the best news I have ever heard comes from Muhammad Yunus, Grameen and Bangladesh

    Micro-Entrepreneur .Everyone is born entrepreneurial and creative- what's dismal is that the system prevents many from ever discovering their greatest capabilities -microentrepreneurs network to end this communal waste of human lives. Let's make ending poverty this generation's space race.  Micro**7 In 1976, Dr Yunus and his founding team of four started experimenting on what became during the first third of a century one of 7 vital areas of communal sustainability - safe banking known as microcredit.  The best news is that whererever microcredit networks are strong they can also multiply grassroots services in health and energy, in education and media, around professions with hippocratic oaths and governments that want to serve the people not empire over them. Microsummits (which started linking round the world in 1997) are the world's most human networking and meetings events for open source replications of social business solutions -help us map who needs to connect together for microsummits to make the most of a connected planet where www meas that sharing knowhow has never been easiere-grameen : Grameen Solutions can helps is all foresee the day that everyplace - rural as well as capital city - will be connected; this will mean that anyone with an innovative idea the world needs will be able to beam it up, & anyone in life-critical need has maximum chance to search for its world service -egrameen aims to make this happen with above zero-sum economy, through the help of Industry Responsibility partners selected from Global Sectors so that Future Capitalism sustains all peoples and communities

    Sunday, August 24, 2014


    In addition to raising awareness, the Better Than Cash Alliance accelerates the transition for governments, the development community and the private sector by developing cutting-edge research products, best practices case studies and reports in order to achieve scale globally.



    Gates Foundation Study Finds Digital Payments Can Produce 90 Percent Cost Reductions and Better for Poor

    The global marketplace for financial services is failing the poor in the developing world, but could be improved to benefit both the poor and financial providers, according to a new study released by the Bill & Melinda Gates Foundation Fighting Poverty, Profitably: Transforming the economics of payments to build sustainable, inclusive financial systems.






    World Bank Survey Identifies Most Common Emerging Market Inefficiency is Cash

    A World Bank Payment Systems Development Group survey found that the most common inefficiency in emerging market countries is that cash is still widely used for small-value payments. As part of the effort, the Group recently released a comprehensive package for the development and reform of a national retail payments system. More information »





    Unlocking the Potential: Women and Mobile Financial Services in Emerging Markets

    This report offers insights on women’s needs for financial management tools and use of mobile financial services in Indonesia, Kenya, Pakistan, Papua New Guinea and Tanzania. It also contains implications for action for mobile financial service providers in any emerging market. More information »

    Unlocking the Potential: Women and Mobile Financial Services in Emerging Markets – Full Report (PDF)




    The Impact of Electronic Payments on Economic Growth

    A study by Moody’s Analytics that looked at the impact of increased card penetration on the private consumption of 56 countries over five years. More information »

    The Impact of Electronic Payments on Economic Growth – Full Report (PDF)





    Incentives for the Introduction of Agents by Banca de las Oportunidades in Colombia

    A CGAP report analyzing the agent incentive scheme introduced in Colombia in conjunction with the payment of social cash transfers. More information »

    Incentives for the Introduction of Agents by Banca de las Oportunidades in Colombia – Full Report (PDF)




    An Overview of the G2P Payments Sector in Pakistan

    A CGAP report on government to people payments in Pakistan.More information »

    An Overview of the G2P Payments Sector in Pakistan – Full Report (PDF)





    Journey toward Cash Lite

    The Journey Toward ‘Cash Lite’ : Addressing Poverty, Saving Money and Increasing Transparency by Accelerating the Shift to Electronic Payments. 

    This study:

    - Examines the three shifts to electronic payments;
    - Aggregates the findings of a range of studies about the benefits of electronic payment adoption;
    - Identifies barriers that need to be addressed in order to achieve a shift toward “cash lite”; and
    - Concludes with a guide for governments, private sector businesses (as users of e-payments rather than as providers) and development organizations that wish to accelerate the shift to electronic payments.

    Journey Toward Cash Lite – Full Report (PDF)



    See our latest case studies for:

    Better Than Cash Alliance Case studies

    Focusing on individual countries in each case study, the Better Than Cash Alliance Case Study Series highlights specific examples of shifts to electronic payments by government agencies, businesses or development partners. Each case study documents the extent of the shift and the factors that have helped or hindered it, in order to provide insights which are relevant to a wide readership interested in how to shift from cash to electronic payments.


    E-Payments Deliver 15% Greater Efficiency in Kenya – Is This the Future of Food Aid?

    Kenya Case Study CoverLearn how the World Food Programme (WFP) transitioned its program in Kenya from food aid delivery to e-payments, and how it found this to be 15 percent more cost efficient. The study looks at how development organizations or government programs can increase the efficiency and scale of transfers, while also forming the building blocks for financial inclusion. This is one in aseries of case studies that was made possible by a grant from the Government of the United Kingdom’s Department for International Development (DFID) to the Consultative Group to Assist the Poor (CGAP) in support of the work of the Better Than Cash Alliance.




    Full Case Study – English

    Highlights – English

    Highlights – Spanish

    Highlights – French  


    “Ti Manman Cheri” Experiments with Mobile Government-to-Person (G2P) Payments in Haiti

    Haiti CoverThe “Ti Manman Cheri” (TMC) initiative highlights the complexities of linking mobile money with social cash transfers in a context that is insecure, and has underdeveloped infrastructure. TMC provides lessons for others looking to implement mobile money G2P programs. TMC overcame obstacles – such as mobile and agent network inadequacies, shifting government priorities and a lack of a central identification system – to pay 23,000 of its 75,000 recipients via mobile money accounts after only one year. This is one in a series of case studiesthat was made possible by a grant from the Government of the United Kingdom’s Department for International Development (DFID) to the Consultative Group to Assist the Poor (CGAP) in support of the work of the Better Than Cash Alliance.



    Full Case Study – English

    Highlights – English

    Highlights – Spanish

    Highlights – French


    Electronic Payments within a Limited Financial Infrastructure: Uganda’s Search for a Viable E-payments Solution to deliver Social Assistance Grants for Empowerment (SAGE)

    Uganda Case Study CoverReaching nearly 100,000 of Uganda’s senior and vulnerable citizens, Social Assistance Grants for Empowerment (SAGE) has demonstrated the need for tenacity and flexibility as it works to create a transparent and efficient social protection system in a country with limited payment infrastructure that is prone to a lack of transparency and leakage. This is one in aseries of case studies that was made possible by a grant from the Government of the United Kingdom’s Department for International Development (DFID) to the Consultative Group to Assist the Poor (CGAP) in support of the work of the Better Than Cash Alliance.




    Full Case Study – English

    Highlights – English

    Highlights – Spanish

    Highlights – French


    Striving for G2P E-payments at Scale: The Evolution of the Pantawid Pamilyang Pilipino Program in The Philippines

    Philippines Case Study CoverAs part of a national conditional cash transfer (CCT) program, the Government of the Philippines used account-linked cards provided by Land Bank of the Philippines (LBP) to invest in the health and education of poor households through its Pantawid Pamilyang Pilipino Program (4Ps). As of August 2013, electronic payments reached over 40 percent of the 3.9 million poorest households across all 17 regions of the 2,000-island nation. This is one in a series of case studies that was made possible by a grant from the Government of the United Kingdom’s Department for International Development (DFID) to the Consultative Group to Assist the Poor (CGAP) in support of the work of the Better Than Cash Alliance.



    Full Case Study – English

    Highlights – English

    Highlights – Spanish

    Highlights – French


    Sustained Effort, Saving Billions: Lessons from the Mexican Government’s Shift to Electronic Payments

    Mexico Evidence Paper ImageThanks to a concerted and well-planned shift to electronic distribution of many government payrolls, pensions and social benefits, the Government of Mexico is saving a significant amount of funds. In the first of the The Better Than Cash Alliance Case Study Series to be released, researchers  identify the many billions that are estimated to be saved by the Mexican government each year. It also provides key lessons for other governments that are undergoing similar efforts around the world.

    The full report can be viewed in the Evidence Paper. An abridged version is available in highlightswhile the factsheet provides a quick overview of the findings.

    Please visit the The Better Than Cash Alliance Case Study Series page for versions in French and Spanish.



    Evidence Paper – English

    Highlight – English

    Factsheet- English

    Highlights – Spanish

    Factsheet – Spanish

    Highlights – French

    Factsheet – French

    Government Case Studies

    Case Studies on Lessons Learned from Aadhaar Enabled Direct Benefits Transfer
    The hugely ambitious, policy initiative of transferring the vast majority of central and state government benefits, entitlements and subsidies, as e-money, directly into the UIDAI Aadhaar linked accounts of the eligible beneficiaries was announced by the Prime Minister of India on the 26th of November 2012 at the first meeting of the National Committee on Direct Transfers. Given the scope and scale of work involved and the rudimentary state of the agent network, and indeed the technology infrastructure needed, to make G2P happen in India, the work being contemplated is truly massive. MicroSave case studies on barriers and best practices in some of the UIDAI demonstration districts show that front-end processes are usually manual (even where technology could be effectively employed).
    Case Studies

    Bansefi Visa Debit and Prepaid Cards Create “Oportunidades” for Mexico ’s Financially Underserved
    The largest social program in Mexico, Oportunidades, distributes benefits to 6.5 million people. The government-owned Bank of National Savings and Financial Services (Bansefi) was looking for a more efficient way to distribute aid and help its country’s citizens. In 2008, Bansefi partnered with Visa to issue benefits on Visa debit and prepaid cards, giving the recipients convenience and security, as well as opportunities to use financial services to save, budget and improve their lives.
    Website and video
    Case Study

    Beneficiary Perceptions and Attitudes in Fiji:  Facilitating Migration from Paper-based to Electronic Benefit Distribution
    This study exams the real and perceived constraints social welfare beneficiaries and low income households face in using formal banking services.  The study was done to inform the government of Fiji, UNCDF and the private sector in preperation to transition goverment payments from cash to electronic form.
    Case Study

    Buckinghamshire County Council: Prepaid card delivers social benefits for children and young people in care
    The study looks at how the Buckinghamshire County Council have provided children and young people with improved access to leisure and positive activities.
    Case Study

    Building a Mobile Money Distribution Network in Papua New Guinea
    The report looks at the opportunity to build a nation-wide electronic money network in PNG, where 90% of the population was unbanked.  It highlights the cost and opportunities to public and private sector actors to switch to electronic payments paired with an agent network.
    Case Study

    Designing e-money Products that meet Customers’ Needs
    The presentation presents the result of a nationwide survey on e-money usage and presents suggestions on how to better address client needs and increase customer usage of electronic money services.
    Case Study
    G2P: Expanding Financial Inclusion in the Pacific Report
    This case study examines the transition of 25,000 social welfare beneficiares to electronic payments:  how the decision was made; how donors, government and private sector cooperated; the steps that were taken; and the early benefits of the transition.
    Case Study

    Kenya Case Studies in e-Payments
    This document describes four case studies on the use of mobile money in Kenya, covering use by a government ministry (The Ministry of Lands), an NGO implementing partner of USAID (PACT), a governmental non-­‐profit institution (Kenya National Examinations Council), and a small microfinance institution that provides financing and technical advisory services (Juhudi Kilimo).
    Case Study

    London Borough of Lewisham: Care leavers receive allowance via prepaid card
    The London Borough of Lewisham is an inner-city district serving over 248,000 people.
    When young people who have been placed in the Borough’s care leave it at the age of 18, they receive a weekly allowance to help them continue in education or seek employment.
    Previously, recipients had to visit the borough council offices on a weekly basis to collect their allowance in cash. This created potential risks of theft or loss for both council staff and recipients, while also requiring a complex cash management process.
    Case Study

    State of Maryland: Significant savings and improved convenience with electronic payments
    The State of Maryland needed a faster, more reliable and more cost effective way of making unemployment benefit payments to citizens who depended on them.
    The State’s original process was proving cumbersome and costly, with large sums spent on check printing, administration and delivery. There were further concerns related to equipment breakdowns and the security and re-issuance of checks.
    Case Study

    The Solidaridad Visa Prepaid Card Brings Relief to Dominican Citizens in Need
    Millions of people in the Dominican Republic struggle with poverty and hunger. In the past, distributing food, fuel and medicine was slow, expensive and often didn’t reach the intended recipients. Partnering with Visa and local financial institutions, the Social Subsidies Administration (ADESS) began distributing benefits on a reloadable Visa card as part of the Solidaridad program, getting citizens the support they need, quickly, reliably and efficiently.
    Case Study

    Visa Streamlines Distribution of Child Support Payments in Nebraska
    Distributing benefits, such as child support, unemployment and disability assistance, has been transformed by the use of prepaid cards. Instead of mailing paper checks, 40 states now use Visa prepaid cards, cutting costs and getting aid to people quickly and securely. States like Nebraska, who have partnered with Visa and U.S. Bank, are saving taxpayers’ money and ensuring that recipients, like single mother Nichole Bouwens, can access their benefits conveniently.
    Website and video
    Case Study

    Private Sector Case Studies

    Akademia wychowania fizyczneg I sportu w Gdańsk (AWFiS Gdańsk)
    Innovative service improves efficiency and convenience in the education sector.
    Case Study

    Impact of Electronic Payments on Economic Growth
    This study looked at the impact of increased card penetration on consumption in 51 countries over six years.
    Full Report

    Payment Cards and Economic Growth: The Positive Economic Impact of Digital Currency
    Moody’s recently completed a study to measure the economic impact of the shift from cash and checks to digital currency in 51 economies worldwide.
    Full Report

    Payment Systems Worldwide: a Snapshot
    presents the results of the second survey among national central banks that collected information on the status of national payment and securities settlement systems worldwide.
    Full Report

    World Bank Presents Outcomes of the Global Payment Systems Survey 2010
    The underlying foundation of a country’s financial system – including all institutions, information, technologies, rules and standards that enable financial intermediation – is its “financial infrastructure.” A poor financial infrastructure imposes a considerable constraint upon financial institutions in many developing countries, hindering their efforts to offer financial services to underserved segments of the population and the economy.
    Case Study

    Visa Delivers the Benefits of Electronic Payments to the Trucking Industry in Brazil
    In Brazil, the trucking industry has relied on a paper-based “freight letter” system for paying truck drivers’ salaries. Aside from operational inefficiencies, this method subjected cargo companies and the drivers to theft and loss and inconvenience and high transaction fees for the drivers. This changed in 2009 when Visa developed a multi-functional card for truck drivers that allows them to store their salary; pay for fuel, road tolls, and repairs anywhere Visa is accepted; and to remit money to family members at home.
    Website and video
    Case Study

    Visa Empowers Employees and Businesses with Payroll Cards
    Tractor Supply Company, founded in Chicago in 1938, has grown to become the largest retail farm and ranch store chain in the United States, operating more than 1,000 retail stores in 44 states, and employing more than 15,000 team members. In 2000, Tractor Supply introduced a Visa Prepaid payroll card in an effort to improve its payroll processes and empower its employees with a more secure and convenient form of payment.
    Case Study

    Development Community Case Studies

    M-Shwari: Market Reactions and Potential Improvements
    This Microsave report examines initial market perceptions to M-Shwari, a mobile banking service that allows M-PESA customers to borrow money and apply for emergency loans directly through their phone.
    Full Report

    Banking with mobile phones in Haiti: A report on a T-cash pilot program
    This report describes the experience of Catholic Relief Services Haiti in employing a new mobile phone–based banking service, T-Cash. This service was adopted on a pilot basis to improve CRS’ Cash for Work (CfW) payment system in the Port-au-Prince area. The CfW program ended in late 2011.
    Full Report

    New Technologies in Cash Transfer Programming and Humanitarian Assistance
    The research examines the constraints to the uptake of these technologies in humanitarian programming, and
    has identified barriers to wider adoption of new technology that can be broadly grouped under seven themes:
    technological, financial, institutional, operational, attitudinal, political and legislative.
    Full Report

    International Organization for Migration: relocation grants paid remotely worldwide with prepaid cards
    The UK’s International Organization for Migration (IOM) operates voluntary return programs for asylum seekers and irregular migrants. The organization has traditionally paid grants in cash, a costly and risky method that makes reconciliation difficult. IOM therefore sought a low cost, automated way of making more secure payments.
    Case Study

    Plugging into Mobile Money Platforms: Early Experiences of NGOs in the Field
    This focus note reviews early lessons for NGOs from the field. It explores three central questions: Does initial evidence support the notion that mobile money is a cheaper, faster, and more secure distribution platform? What aspects of program design most impact the costs and benefits of mobile money? And what have NGO early adopters learned from their experience in Haiti?
    Full Report

    Visa Debit Opens Doors to India’s Unbanked
    India is one of the world’s most populated countries, with more than a billion people living there. But today millions do not have access to formal financial services. Visa is working with its partners to give millions of people in India fast, secure and convenient access to their money with debit cards.
    Website and video
    Case Study

    Zap It to Me: The Short-Term Impacts of a Mobile Cash Transfer Program
    Conditional and unconditional cash transfers have been effective in improving development outcomes in a variety of contexts, yet the costs of these programs to program recipients and implementing agencies are rarely discussed. The introduction of mobile money transfer systems in many developing countries offers new opportunities for a more cost-effective means of implementing cash transfer programs. This paper reports on the first randomized evaluation of a cash transfer program delivered via the mobile phone.
    Full Report

    Investing In Girls: Opportunities for Innovation in Girl-Centered Cash Transfers
    Investing in adolescent girls is important for addressing inequality and is critical for the realization of their rights, but it can also pay enormous economic dividends. Mounting evidence shows that investments in adolescent girls and young women may prove to be an even more effective way of ending intergenerational poverty than programs targeting children generally.
    Full Report

    Digital Cash makes for sweet Cocoa
    Coca Farmers in Indonesia currently use cash to conduct all business transactions, with only a few possessing actual bank accounts. This is not necessarily their preferred way of managing finances, as research shows farmers are receptive to the idea of mobile money and the financial inclusion it would provide. With mobile financial services it will be easier for them to build credit for loans and save money for their future.
    Full Report

    4:07 pm edt 

    Monday, October 15, 2012

    Communiquē brings you the monthly coverage of the latest internal and external happenings of Grameen Intel Social Business Ltd.
    Is this email not displaying correctly?View it in your browser.
    Grameen Intel Social Business Ltd.

    John Davies visits GISB
    Discusses Technology and Social Initiatives

    Grameen Intel CEO Kazi I. Huque and Intel Corporation VP John Davies addressing the guests at the GISB office in Mohakhali, Dhaka, on September 15, 2012.In the presence of guests, (GISB CEO) Kazi Huque and (GISB Board Member and Intel VP) John Davies took the opportunity to remark on GISB's journey thus far and the impact of technology in the areas of eAgro, healthcare and education.

    The Independent (newspaper) followed up the event with a one-on-one intverview with Davies, wherein he discussed technology, social issues, and Intel's plans on helping make the world better.

    Click here to read the interview.

    mrittikā - Power and Possibilities Explored

    The Weekend Independent writes an in-depth article on the eAgro software

    As a follow up to our last newsletter which was dedicated to mrittikā, we are excited to share a very detailed look at the software's potential to address and solve the pressing issue of food inadequacy by helping to boost soil fertility. The article was printed in a local weekly magazine - The Weekend Independent; the writer requested for and was given full access to our development work to help him understand the ins and outs of mrittikā.

    Click here to read the article.
    Copyright © 2012 Grameen Intel Social Business Ltd., All rights reserved.
    Communiquē welcomes your comments, feedback and queries. You can reach us at
    7:26 am edt 

    Tuesday, August 16, 2011

    rehearsing education for maximising jobs of net generation
    2011 is 40th year of our family's entrepreneurial networks rehearsing what radical changes in economics are needed if net generation is to be productive- education is the first of our summary practice-led series that may help give you some context before voting for your 50 most exciting project networks of 2010s - this note is part of our latest debriefing in a dilaogue with the mother of microcredut mrs begum who takes on educational entrepreneur (job creating youth) responsibilities in grameen and bangaldesh

    - following this up with mrs begum in dhaka spetmeber 2011 visit would be useful for me if I am on a good track - it would also be one way to relaunch youth ambassador 5000 and search for correspondents at since it links in with what our 2050  yunus book club readers recall yunus saying about

    1 social actions

    2 what I thought he wanted student leaders of social business clubs to unite in transforming

    I believe I have attended at least 12 talks each to 1000 youth where yunus job creation /youth entrepreneur message has been:

    demand that your last 2 years of education (whatever level that's going to be) is less about exams and more about:

    1 either maximising your peer networks ability to create job for you and peers


    2 introduces you into an apprentice scheme for a skill your community desperately needs more of

    please check does mrs begum have a different wording of this

    using her wording what are the best known example?

    please improve my understanding with her infintely deeper experience if above wording is nearly correct is:

    understanding of best cases of 2 include

    1 grameen glasgow caledonian nursing college

    (are there other benchmark initiatives that girl power investment networks have advanced)

    2 mrs begums vocation colege which has identified about 20 skill shortages where it can guarantee jobs to those who apprentice


    ( I believe the free university in johannesburg with branson as one of its partbers was also a pralallel model)

    does mrs begum and yunus already have other cases of 2) or 1)

    in some talks yunus goes further - he impllies local authorities that wanted to create jobs would target youth with a special kind of microcredit for developing organisations in the community that could do work that community had just lost because a for profit company wants say 20% margins where a community backed company would only need a surplus ie anything between +1 to+19% surplus would be job creating (and so much better spend of government money than pating people on the dole) -is there even one example yet where a local region has started testing that with yunus

    within my experience (since dad's 1984 book has encouraged a similar search) I would say the number 1 university in the world of this kind is MIT - I wonder which is mrs begum or yunus's experience

    I believe the advanced nation that has best working examples of changing teachers specification towards ths is new zealand - for example this includes a competition week when dozens of schools and final 2 years create missing markets - interestingly the book of this educational chnage process soled 10 million copies in china but what I dont know is where in china this is being tested (though one schoool in singapore is aprt of the program)

    there are 2 leads in india that could be important becuase it was one of the 2 most important countries in the yunus strategy of growing up with 2 giants

    kalam who I know visited yunus- he is 3 things in one: past president of the country; its chief scientist; fanatical about educational leading to jobs and sustainability; he has intimate relationship with both manmohan singh and the lucknow school (founded by my friends within the gandhi family as a social busienss reponsible for 31000 school children a year)

    When paul rose hosted a collaboration cafe in new york he surprised people like peter and I by stressing this educational challenge as much as his love of microgreen solutions - so now is the right time to see if mrs begums future mission is getting back to these foci; if its getting back to something else please try and describe

    you could also search the widely abused term youth entrepreneur and see which so-called advocates of that actually want to empower the above

    changing teachers

    the worlds of ken robinson and harrison owen and in medicine eva vertes are the 3 that all teachers wedded to a belief in exams need to be exposed to but maybe that's an issue to take up with the gandhi family unless it interests nurjahan

    chris macrae 301 881 1655

    ps you know the guy who specialised in education at british council who attended the yunus 69th birthday wishes dialogue- he promised to send his audit of best educational cases around the world of the british council -did you ever get to see that and is he still at the british council in dhaka 

    2:25 am edt 

    Saturday, July 30, 2011

    pursuant of schumpeters idea of empowering families in 2 million global vilages to maxisise their productivity- design 1 builds on the power of 60

    60 families own their centre - a hub for microbabking, knowledge sharing, animating a community market

    60 by 60 = 3600 families are served by their own banking branch - in the original model these 60 centres were near enough for one small banking team to serve them by visits at elast once a week to each centre; the team helped diffuse action learning

    when mobile connectivity came to the vilage it was possible to map economies of 60*60*60 =216000 framilies; example 1 these might be connected by where was the best price or the most urgenet need for foods across a geographical contiguous area; or which first 216000 families shared knowledge on being solar empowered

    as of 2011, this banking model hasnt quite got to 12.96 million families - its at just over 8 million families but with nearly 5 members per family that's over 30 million people in a jetwork with the same 16 decision sustainability culture on=f investing in their next generation - an empowered new economy determined to identify the net generations most exciting gaols and design productive lives round serving them

    there is also the possibility that mobiles can bring the transactional cost of banking record down by 10 - that would lead to ideas like one end poverty world bank owned by and for over a billion people all of whom are also interconnecetd by microentrepreneurial telecentres owned at the vilage levels 

    9:23 am edt 

    Tuesday, July 26, 2011

    Climate Change and Constructive Entrepreneurship

    Fourth Annual Global Forum
    World Bank Headquarters, Washington D.C.
    August 10-12, 2011
    In Partnership with The World Bank, Speaker's Bureau

    Who Attends?

    • General Participants: 18-32 year olds
      Press Releases: Macquarie University (Australia) | University of Pennsylvania (USA)
    • Event Interns
    • Area experts from the private and public sectors: Invited to display their successful practices and highlight innovations and new groundbreaking business models and methods that successfully address Climate Change in different societies.
    • High-level speakers and guests
    Confirmed Speakers:
    Evan Bailyn&rlm;Evan Bailyn‏
    Good Media
    John ShegerianJohn Shegerian
    Chairman and CEO
    Electronic Recyclers International
    Francis B&eacute;landFrancis Béland
    Vice President, Prize Development
    The X PRIZE Foundation
    Angelica SilveroAngelica Silvero
    Head, Speakers Bureau
    The World Bank Group
    Jonathan BlitzJonathan Blitz
    Utility Scale Solar
    William SaitoWilliam Saito
    Founder & CEO
    Naila ChowdhuryNaila Chowdhury
    Grameen Solutions Limited
    Molly TschangMolly Tschang
    Managing Director
    International Programs
    Jeffrey C. FortJeffrey C. Fort
    SNR Denton
    Aleem WaljiAleem Walji
    Practice Manager
    World Bank Institute's Innovation Team
    Ivo IvanovskiIvo Ivanovski
    Minister, Information Society
    Republic of Macedonia
    Joe WalshJoe Walsh
    Director, six state New England region, Lime Energy
    Markku KauppinenMarkku Kauppinen
    Political Counselor
    Embassy of Finland, Washington D.C.
    Jeff WernerJeff Werner
    General Manager, International and Public Policy
    Paul B. MansonPaul B. Manson
    Sea Breeze Power Corp.
    Tory WeberTory Weber
    Manager of Business Performance
    Southern California Edison
    Allan T. MarksAllan T. Marks
    Milbank’s Global Project Finance Group
    John WhiteV. John White
    Executive Director
    Center for Energy Efficiency and Renewable Technologies
    Richard M. SainesNavneet Singh Narul
    Ting XuTing Xu
    Senior Project Manager, Global Project
    Bertelsmann Foundation North America
    Richard M. SainesRichard M. Saines
    Partner/ Head of the Climate Change and Environmental Markets Practice
    Baker & McKenzie

    Established in 1999 in Los Angeles, California, Athgo International is a nonprofit 501c3 non-governmental that is dedicated to empowering young people (18-32 years of age) with the tools, knowledge, and support needed to conceive, develop, and launch constructive entrepreneurial ventures.  We promote cutting-edge innovations that maximize financial as well as socio-economic and environmental returns while focusing on a critical segment of the population, the young people. Our programs stretch from the United States to Europe and Asia.

      1) Integrating young people in socio-economic activities enhances development. 2) Every “No” and every challenge is a disguised opportunity for a positive change.
      1) Providing knowledge and enhancing the skills necessary to recognize opportunities. 
      2) Supporting and promoting innovation by way of constructive entrepreneurship.

    What is Constructive Entrepreneurship?
    The Constructive Entrepreneurship, as other entrepreneurship paradigms, seeks positive returns. The distinction is in the nature of returns sought by the Constructive model. Instead of seeking either only financial returns or alternatively social and environmental returns, or even blended returns at the time of payoffs, the model proposes an integrated business model at the outset. As a result, a business which includes products or services that provide communal benefits (e.g. low-income housing, affordable education, LED light bulbs, or new community driven innovations) or have a community enriching organizational makeup (e.g. a predetermined percentage of the workforce and/or ownership will be comprised of underprivileged members of the public), and is eco-effective is considered constructive.

    Affiliations and Networks
    Athgo has formal partnerships and affiliations with a host of international institutions, the private sector, and governments and academic establishments. The widely recognized international associations include Athgo’s membership in UN Global Compact, the world’s largest, global corporate citizenship initiative; consultative status with the UN Economic and Social Council and the UN Department of Public Information; and an observer status with the World Intellectual Property Organization.  Athgo also has a formal collaboration agreement with the UN Global Alliance for ICT and Development (GAID) and annual programs with the World Bank and the United Nations University.  These relationships provide Athgo with an access to most UN hosted summits and conferences and position us to make formal contributions to the UN’s overall development agenda.

    Our Global Innovation Forums, Internships and Associates Program have directly engaged and trained over 3,500 young entrepreneurs and developed a growing network that includes over 100,000 young professionals and nearly 500 universities worldwide including the American University, Cornell University, London School of Economics, Sydney University, Australia, Tambov Technical University, Russia, University of California, Los Angeles, and University of Genoa, Italy. 

    The organization’s network and support system also include a number of multinational corporations and Fortune 100 companies such as Boeing, Dell Computers, Intel Corporation, Nestle, and Northrop Grumman and nearly 40 governments, many of which represented by their diplomatic missions or various relevant Ministries, including Belgium, Brazil, China, Egypt, Germany, Japan, Mexico, Tanzania, and the United States.

    Origins of the Athgo Name
    What does "Athgo" stand for? We've been asked this question a lot lately, so we thought it was time not only to set the record straight but also to move forward and update our name just as we did our logo in April, 2008.

    When Athgo was established in 1999, "Athgo" was an acronym for "Alliance Toward Harnessing Global Opportunities," which summarized our goal at the time to provide opportunities for a globally diverse group of young people to further their education, training, and networking in the realm of international affairs. Although Athgo has remained true to its foundational principles, over the years it has also evolved, progressed, and refined its mission to the point that the old acronym no longer adequately expresses either the wide-ranging scope of our endeavors or the particular emphases of our individual programs.

    During the same period of time, however, the name "Athgo" has become recognized worldwide and associated with the good work of the organization, thereby precluding a name change for the sake of a new acronym that would only result in confusion. Therefore, we have decided, beginning in April, 2008, to update our name simply to "Athgo" and to drop "Alliance Toward Harnessing Global Opportunities" from our collateral materials. In doing so, we hope that Athgo will continue to be recognized for its past work while also being free to undertake new initiatives that will keep it relevant and on the cutting-edge in addressing the most pressing issues of an ever-changing world.

    1:26 pm edt 

    2014.08.01 | 2012.10.01 | 2011.08.01 | 2011.07.01

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