Archives For microcredit

1. Aid industry vs humanitarian relief
Scott Gilmore of Peace Dividend Trust blogs about a key distinction that all too often gets lost in relief/development debates:

[W]hen aid types whine about new NGOs “crowding the field” and spreading scarce resources too thin, I say balderdash. If your NGO isn’t getting funded because another NGO is, then you need to make your NGO faster, smarter, leaner, and more effective. And, even if there is a short reduction in the overall effectiveness of the NGO sector in a particular country because there are too many, it is offset by the long-term improvement that competition and innovation will bring. But that’s for the aid industry. Not for humanitarian relief. It is called humanitarian relief for a reason. Short-term relief, to save the starving for example, is a public service not an industry.  The immediate threat to life outweighs the long-term need for competitive innovation.

2. Social justice and evangelism
Maggie Canty-Shafer writes for Neue about a theme I’ve explored from time to time here as well:

Social justice is a complex subject for Christians. No one can disagree that Scripture commands to love the poor and oppressed, but what that looks like practically today is largely debated and at times ignored. As the world becomes increasingly more globalized and information more accessible, awareness along with responsibility has grown. This responsibility comes multiple fold. Why, how and even if we combine social justice with evangelism is an ever-evolving discussion that must be considered from a local and global level. Both the individual and the church must play a role for the Body to have the impact Scripture intended—an impact we’re capable of but nowhere near.

3. TV archive from 9/11/01
As we all know, the tenth anniversary of the tragic 9/11 attacks is this Sunday. Here’s an amazing collection of TV coverage from that Tuesday morning and the hours and days after it (HT @brettmccracken):

The 9/11 Television News Archive is a library of news coverage of the events of 9/11/2001 and their aftermath as presented by U.S. and international broadcasters. A resource for scholars, journalists, and the public, it presents one week of news broadcasts for study, research and analysis. Television is our pre-eminent medium of information, entertainment and persuasion, but until now it has not been a medium of record. This Archive attempts to address this gap by making TV news coverage of this critical week in September 2001 available to those studying these events and their treatment in the media.

4. 9/11 and the ‘Christian nation’ question
Gideon Strauss from the Center for Public Justice tackles this issue for the ThinkChristian blog, and he’s astute as always:

9/11 changed many things, but it did not make America a more or less Christian nation. America is not the New Jerusalem. America is not the Whore Babylon. It is a nation among nations. Called, like all nations, to live its political life in pursuit of public justice. Mixed, like all nations, in the composition of its citizenry with regard to religious commitments and convictions. For Christians, this means that we should not seek political hegemony in America, but that we should seek to live faithfully: proclaiming the gospel in word and deed, pursuing public justice and the common good alongside our neighbors who do not share our gospel faith.

5. Intercontinental ballistic microfinance
Here’s a really cool video from Kiva, showing the rise in its total loans and paybacks from the time it started until today, represented by dots bouncing across the globe. What’s especially cool is what happens when Kiva is featured on Frontline in 2006 (HT A View From The Cave).

My good friend Barnabas, who works in Ghana with the NAPE Foundation, directed me to a fascinating piece by Tina Rosenberg published yesterday in the New York Times Opinionator blog, about an approach to development called microconsignment. The piece highlights the work of Soluciones Comunitarias, pioneering microconsignment throughout rural communities in Guatemala. This approach is very similar to microcredit, but without forcing the poor to take the risk of going into debt. Given the sobering news from India last fall in which unscrupulous lending led to a serious crisis, it seems like an approach worth exploring.

Consignment is not new, but as far as I know, applying it as a development approach in an impoverished context is. Here’s the gist of it, as described in the article: “With consignment, a supplier gives a product to a retailer, who then sells it. After the sale is completed, the retailer reimburses the seller, keeping a commission.  The risk is taken not by the retailer, but by the supplier.�

Rosenberg summarizes and poses an important question:

Soluciones is an incubator, testing new strategies and new products that may some day sell all over the world.  (Van Kirk and Glickley have more information about their non-profit efforts at cesolutions.org.) Improved cookstoves, reading glasses, water purifiers, solar lamps — these are all products that can provide equity, in the form of ability to work and better health, to villagers who before only had access to microcredit debt.  Yet the real news here isn’t the cookstove or the lamp.  Dozens, perhaps hundreds, of such practical and ingenious products exist.   Yet they do little good if the rural poor can’t use them.  A constant drumbeat of the Fixes column is that the more important innovation is the delivery mechanism.

Is microconsignment a system that can deliver these products on a sustainable basis and large scale to people who need them?  If so, how?

[Photo credit: Community Enterprise Solutions via nytimes.com]