30.12.2009-0:27:57 :: Something smarter than us is going to emerge


node:	30.12.2009-0:27:57
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parent:	na čo som dnes prišiel / prišla
owner:	psycho
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created:	30.12.2009 - 00:27:57
updated:	24.01.2010 - 22:49:21

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ze uz ani Kiva.org neni co byvala, ludia sa musia bit o to, aby mohli niekomu pozicat, bo vsetci su obsadeni.. kazdopadne som dnes rozdelil na dobre veci dalsich $600, co sa mi za 4 mesiace vratili..

http://www.kiva.org/lender/psycho (nechce niekto invite? podme tahat slovakia team =])

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Neviem, veľmi tomu neverím... Nechcem kaziť radosť, ale čo toto napríklad? http://francoistremblay.wordpress.com/2009/11/21/kiva-is-a-fraud-a-criminal-enterprise-and-perhaps-more/

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2 roky na kive

270 loans spolu $7,800
1 defaulted, dosiel som o $29 (haluz ze bol z usa children books author)

pre mna strata 0.40% (oficialny kiva average je 1.07%)

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cital si si aj diskusiu?
typek je magor..
vybera si "jemu vhodne" informacie, a ignoruje realitu v krajinach, kde posobia partnery Kiva ..

everyday is a winding road
i get a little bit closer,
everyday is a faded sign
i get a little bit closer to feeling fine

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In your opinion, does microlending have a measurable impact on struggling local economies?

Kiva is really unique. It has a lot of power users - more than any nonprofit I've ever seen. It's individual stories, and people really connect. You get updates on that person, and people say it's their favorite email of the month. As a microlending company, Kiva is one spoke in the larger wheel of microfinance. On a global scale, it has a very big impact.

Typically, when you go to a village or province, certain industries are prevalent. In a fishing community, maybe the borrower bought a fishnet or a fishing boat. In an area with a lot of bamboo, it's going to be crafts. I worked in eleven branch offices. I met over 40 different female borrowers individually and over 250 in my time there.

I can see that the money Kiva provides makes a difference. Microfinance is a very slow process, and there are gems and sparks of people who break through the poverty cycle. When you see villages changing, it's really something. It's like watching grass grow, but it's really beautiful grass.

http://www.readwriteweb.com/archives/redux_kivas_causemopolitan_on_world_tour_social_me.php

Sloan Berrent has traveled through eight countries, documenting and publicizing the struggles of those in developing areas through her blog posts, tweets, images, videos, and her own presence at events at home and abroad.

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carovne, neboli magicke

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Citam ten blog aj jeho diskusiu, a docital som sa ze kiva tie peniaze poziciava s urokom. Ten urok je ale nizsi ako bankovy urok, takze to nieje az take zle pre toho kto si poziciava. Okrem toho, je nieco zle na tom poziciavat s urokom ? Clovek ktory tie peniaze dava dalej (local partner alebo ako sa vola) musi z niecoho platit ucty. Tym chcem povedat ze administrativa okolo toho nieco stoji, tazko si predstavit ze by robil niekto takyto full-time job s peniazmi zadarmo.

Tu su miery uroku:
http://en.wikipedia.org/wiki/Kiva_(organization)#Interest_rates
Pokial poziciavas iba do Bulharska, tak poziciavas s velmi nizkym urokom 1%.

Je to popisane aj tu:
http://en.wikipedia.org/wiki/Kiva_(organization)#Criticism
Some people, including microfinance pioneer Muhammad Yunus, argue that the interest rates of many microcredit institutions are unreasonably high. In his latest book[17] he argues that microfinance institutions that charge more than 15% above their long-term operating costs should face penalties.

Kiva defends the interest rates of its lenders, however, saying its field partners provide much better rates than local alternatives, but must charge what they do because "the costs of making a micro-loan in the developing world are higher versus larger loans in the West."[12]

In July 2008 Kiva discovered that fraud had taken place with one of their 112 lenders,[18] an African organisation based in Cote d'Ivoire. They suspended activities with the organisation and after an investigation followed by the negotiated repayment of loans they cut all ties.[19]

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kiva je dobry projekt... este som nepoziciavala, vkuse som pred vyplatou v minuse.. ale jedneho dna aj hej..

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som si otvoril tohto chlapika http://www.kiva.org/app.php?page=businesses&action=about&id=165900 a normalne mi skoro aj slzy idu do oci - taky stastny a spokojny je pred tym svojim obchodikom.. :)

dobre veci.