journal of social business

2011-12-05T12:34:00.000-08:00

what did the editors of journal of social business learn in the first year of connecting 3000 leaders chosen by yunus and diarists of the social business movement? we will try to develop these threads

oct 2011 job creation learnings on microcredit

sept 2011 job creation learnings on media and univesrities

august 2011 learnings on where politicians are making chances of slump and job destruction worse starting with us tailspin

july 2011 learning on youth entrepreneurs greatest webs

if after reading any part of the journal you have questions on how to action its networks, please mail chris.macrae@yahoo.co.uk or phone washington dc hotline 1 301 881 1655

2011-11-30T14:05:00.000-08:00

Over 11500 copies of the first 3 issues of Journal of Social Business have now been circualted
Issue 1 can be freely downloaded here; and issue 3 here
We welcome correspondence from the various summits delegates have celebrated with the journal including
EU microcreditsummit 2011
The world microcreditsummit 2011
The social Business Summit 2011
The Danone Communities Annual SB Investment Fund Debrief 2011

...and of cousre anyone interested in making 2010s youths most productive decade

chris.macrae@yahoo.co.uk

learnings on microcredit

2011-10-30T12:52:00.000-07:00

for better or worse those who claim to operate microcredit talk about at least 6 different sorts of services

.	Loans Only	Loans & Savings..	Other services critical to life and community
Community Banking only	1	3	5
Community Bank, Market, Knowledge Hub	2	4	6

There are then at least 20 regional crises that those using microcredit are aiming to resolve first

Strategically microcredit can also choose to partner at least 6 other types of community sustaining sectors : energy including water food, education, media, health, technology, gov and professions

The Bangladeshi models of microcredit - led by Grameen and BRAC - proved that a complete set of services 4&6 are optimal economically ; however in Europe , laws typically forbid most organisational founders from providing savings services (unless they are affiliated to a bank for the rich which would rather defeat the point). It is the case that all three of banks, marketplaces, and knowledge hubs have a tendency for the richer to edge out the priorities of the poorer unless the organisation is anchored round the poorest .

Like the 200 delegates to the EU's summit on microcredit 2 Dec 2011, we recommend the first model anyone benchmarks serving microcredit in Western Europe is the french network . It is probably best classified as a type 2 service - loans are its main finacials service, but very one of its branches hubs knowhow geared to helping "unemployed" to become income generating. Over the years, many of the bankers at BNP Paribas have volunteered to help adie-type networks - in different countries you might look at PerMicro in Italy, MicroStart in Belgium and look also round members of the European Microfinance Network

In Eastern Europe, look round Microfinace Centre for Central and Eastern Europe. Note Poland has seized the opportunity of its 6 months chair of the EU to celebrate its successes with microcredit - which largely have helped farmers and other get capital (for almost the first time). In the old communist system income was guaranteed, what to spend it on wasn't, and most people didnt ever look for capital. So hi-trust loans in Eastern Europe are in themselves an entrepreneurial revolution! This experience is leading each next chair that wants to liberate its people to work out what types of microcredit their region can most progress - watch out for Denmark's commitment to social business expressed at the social business summit in Brussels on 18 Nov 2011 - see relevant video. At Brussels specialist microcreditsummit two weeks later a representative from the Swedish www.mikrofinancering.se confirmed that Nordica was indeed preparing to mobilise its knowledge sharing with the EU celebrations of hi-trust microcredit.

----------------------------------------

Back to the numbers of different types of microcredit

all in all that is 6*20*6=720 different types of social solutions that microcredit networkers may be linkiing into - good news if you agree with The Economist's Unacknowledged Giant that 30000 solutions will be needed http://www.normanmacrae.com/netfuture.html for microeconomics to regain trust, youth job creation and sustainability of every community- bad news if you believe in standards or seals of excellence. Segmentation 720 ways just not permit such command and control behavioural traits

Various Notes- unlike Europe's legal sclerosis at national levels , some countries have actually passed laws to give full banking service microcredit a chance- Brazil and Tunisia being interesting cases, with Kenya being a mainly positive case.

Digital cash can make much of the transaction costs of banking between 10 and 100 times less- so far only Mpesa in kenya and recently Bkash in bangladesh are testing this to benefit low income or poorest.

Virtual appeals for peer to peer loans are interesting -KIVA US, Babyloan Europe - though amazingly most developed nations have laws that blocking funding of their own youth's microentrepreneurs through such models

2010-05-06T15:51:00.000-07:00

Journal of Social Business will start by tracking Socilal Business cases cited in Noble Dr Muhammad Yunus new book Building Social Business -search 1 is made at YunusCentre.org ; search 2 is google news; search 3 is all google ; search 4 is made at grameensocialbusiness.org; pleasew tell us of context specific searches you recommend info@worldcitizen.tv

Corporate Brand Cases
1 2 3 4 Grameen Danone
1 2 3 4 Danone Communities
1 2 3 4 Grameen Credit Agricole
1 2 3 4 Grameen Veolia
1 2 3 4 Grameen Intel
1 2 3 4 BASF Grameen
1 2 3 4 Otto Grameen
1 2 3 4 Adidas
1 2 3 4 Uniqlo

Further Grameen Healthcare
Partners : GE Healthcare, Pfizer, Johnson & Johnson, Mayo Clinic
Grameen GreenChildren Eyecare
Grameen Caledonian Nursing Institute with Nike Foundation
Cure2Children

Universities with Yunus Partnerships
1 2 3 4 HEC World's 1st Social Business Chair (marketing)
1 2 3 4 Glasgow Caledonian World's 2nd Social Business Chair (healthcare and wellbeing)
1 2 3 4 Kyushu (Japan)
1 2 3 4 AIT ( Bangkok)
1 2 3 4 CSUCI (California: LA)

Places with social buisess funds or zones
Paris (Danone Communities)
1 2 3 4 Monaco (Yunus & Prince Albert Fund)
1 2 3 4 Islamic Development Bank (Jeddah)
1 2 3 4 Caldas, Colombia Social Business Zones
1 2 3 4 Haiti Social Business Fund
1 2 3 4 Albania