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Started 10 years ago by koslk96967

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High running propaganda war in the countryside. High war, official identity was a media person in Guangzhou, but at the same time, he also created and managed in Northern countryside "Women loans" mode practitioners - in the land of his mouth village yaowan home town Xinyi City, Jiangsu Province from the Rural Development Association to the rural mutual fund,moncler sito ufficiale, to the introduction of Yunus' bank for the poor "model,, dedicated to provide small loans to rural women, more than nine years. High war said that in Bangladesh, one economist Muhammad Yunus and his Grameen Bank since its inception in 1983, through microcredit has helped 6.3 million borrowers (indirectly affect 3150 million), More than half of the poverty. Eventually, he won the Nobel peace prize, rather than economics prize. The bank's borrowers are poor in the true sense, of which 96% is in the very low status of women in Bangladesh, and the loan repayment rate of Grameen Bank even as 98.89%. High war say that everything he is now doing in the home, it is greatly affected by the Yunus. Post reporter Lu Yan In several villages yaowan town of Xinyi City, Jiangsu Province, more than 2,000 loans unified content and style of advertising plastered the streets of poles. Top with red Chinese characters that read: "Women's loans", black small print is:. "Free Guarantee, five-person team, week-to-door collection, 10% per annum." This is usury it? Why only loans to women? Underworld? It will be devoted to lure gang trafficking in women? ...... High war, he said: "In this ad has not been printed on the paper 'a media support' before the word and so on,moncler soldes, which is a direct response to local villagers on the matter." Who war is high? It is to create and manage this "women loans" mode practitioners in Northern Jiangsu Province. In his own home town Xinyi Lu mouth yaowan village in Jiangsu Province, specializing in small loans for rural women Rural Development Association to the rural areas from mutual funds, to the introduction of Yunus' bank for the poor "model, more than 9 years. High official capacity war is a media person in Guangzhou, but he almost no interviews, and without writing, his job is to organize a second academic forum, inviting famous basing academic lectures, so called him a "social activist "it is not an exaggeration, but he himself said:." I'm good at, or in the countryside. " These days, high war and embarked on a path back home,tz5XaL9Pqe, this is his monthly practice, and everything he did in his hometown, is greatly affected by the Bangladeshi economist Muhammad Yunus. Origin Maolao of 7000 yuan Oriental Morning Post: A lot of people want to know who Yunus is? High war: in Bangladesh, one economist Muhammad Yunus and his Grameen Bank since its inception in 1983, through microcredit has helped 6.3 million borrowers (indirectly affect 3150 million), of which More than half of poverty. Eventually, he won the Nobel peace prize, rather than economics prize. The bank's borrowers are poor in the true sense, of which 96% is in the very low status of women in Bangladesh, and the loan repayment rate of Grameen Bank even as 98.89%. Oriental Morning Post: how he rescue the people who use financial instruments to be forgotten, while able to achieve profitability and prevent the risk of it? High war: Yunus basic assumption is: every borrower is honest, and I believe the poor survival skills, while promoting mutual supervision among team members through the "group of five" system, through the formation of a community of interests to ensure the safety of commercial loans and continuity ...... every step of the system design are rated excellent. Oriental Morning Post: 9 years ago, how do you want to do this thing? High war: it was also because of the impact of Mr. Mao Yushi, by his Foundation for Poverty Alleviation do in Shanxi rural inspiration, he did earlier, there are more than a decade. China's current plethora of small loan companies, but Maolao founded in Yongji, Shanxi loan company is still the only one to serve small farmers. Oriental Morning Post: You were trying to have a complete copy of Mao Yushi practice it? High war: impossible. I do not Maolao such social influence, he can attract thousands of yuan of money, but I can not find a penny on the outside, nor the ability of local governments to apply for small loans to the company's license. what should I do? I can only build a platform to mobilize internal resources in rural communities. Oriental Morning Post: Gotta have the first money, then your first money from where the financing to do? High war: nine years ago at a forum in Nanjing, I was fortunate to meet a Maolao, I asked him for advice on how to make poverty alleviation fund in my hometown village, he very supportive of me, that's the spot to him 7000 dollars to lecture fees I say as a start-up capital, encouraged me to practice. Oriental Morning Post: At that time he did not know you? High war: do not know, maybe Maolao sincerely think I have to go to work in rural areas will help me, it makes me very moved. But I later found out that he went to help farmers do not learn so simple, he is a well-known economist, social influence, can be sustained rural outside financial support,CSpx2w4k60, I took him six months of 7000 yuan hesitate no movement. One day he sent an email to me: "?.. High war, you run up the village fund project No If not, please paying the money I have on Mao Yushi" I was very ashamed, of course, he later told me that is attempting to rally, I not really want the money to go back as soon as possible in order to urge me to do. Under his pressure, I mobilize village resources, the Foundation in 2004 New Year's Day has finally opened. 2009 I went to work in Guangzhou, the first Maolao to Guangzhou speech, I just is not, he is still by my colleague forwarded to me 10,000 yuan of money,moncler sito ufficiale, let me use the money to train village Foundation staff. Oriental Morning Post: Your pot of gold, in addition to Maolao 7,000 yuan, the other is how earned? Now this pond be? How many people benefit? High war: took Maolao 7000 dollars, I took out 5,000 yuan, I told the villagers that the money can be lent to you, and you have deposits may also be present in, and let the villagers elected the accounting and cashier democracy, develop a small charter, it can open deposits, loans, and now has more than 300 million, and are the villagers themselves money. Maolao rely on funding from outside the community to help the farmers, I let the farmers' own money and mutual assistance. Up to now, in this "small banks" borrowed money has more than 800 households, most of them will be used to develop production models, small business, building, buying tools, a few for the doctor and the kids' college tuition. Oriental Morning Post: take their money out of lending, the law allows it? It will not be considered usury? High war: It is the farmers' own money in mutual aid, and the whole process is open, there is no money to lend my, and I push the villagers set up a management committee to oversee loans, receivables, equivalent to a housing agency and, of course, because there are interest rate differential, in addition to the money made subsidize two or three staff, others are used as the village public funds,dvC1PAGiU4, such as street lights, rural theater, medical and so do the villagers up. Yunus Chinese sample Oriental Morning Post: You mean the mobilization of internal forces farmers means to make money to help farmers afford the farmer? High war: there are always some farmers demand deposits, savings implications for vulnerable groups, whether money or huge, farmers have the habit of saving, such as children to get married, go to school, elderly people should see a doctor ...... if farmers working outside, it will save money. But I do not have an economist of appeal,U5Mfd6LiOt, but I see this resource countryside, so I let a finite resource build-up in the village, self blood, self-service. Conversely, all these money gone? Most of the original money in the local post office, credit unions go, credit unions and then lend the money to have the ability of big business, poor people still can not get loans. We are now in the formal financial system, is a poor help the rich financial system. My approach is to allow the poor to help the poor. Oriental Morning Post: Your propaganda, said: women loans, monthly interest three free warranty, five-person team, week-to-door collection ...... This is only lending it to women? High war: To me the loan, you must come forward by women, both spouses should jointly sign. In rural areas, women's economic status and the man is immeasurably, although gender equality, women headed, in fact, is greater responsibility assumed by women at home. Bank loans are not true to the woman appeared, all men of running, the real economic behavior are men predominate. Second, with Yunus's words, more often men with money. But when the money after the woman's hand then transferred to men when women's economic status and family status occurred a subtle change. But this rural elites can not understand, they think as long as the safety of funds on the line. Oriental Morning Post: Why ask both spouses sign? In order to help improve the status of women it? High war: I encourage couples together business, the family is the cell of society, the complete harmony of the whole society has an important role of the family. Both husband and wife have to work outside the party, often do not go home, the quality of life of the couple, their children's education is not complete,AxmBKe6NUJ, so I am with this loan orientation, marital harmony the more, the more I lent them, in the city of the future in doing this project I will insist on this point. Oriental Morning Post: That women from divorced families are borrowing needs how to do? High war: I can only lend loans some people, it is impossible to cover all the family, so the family can only be ruled out divorce, there are always some regret results. A focus on the sustainability of the public interest must be identified with its own target customers. Oriental Morning Post: You estimate this idea of rural people difficult to understand. High war: I think they have a little knowledge may be a better understanding of women, feminism, or behind the kind of economic behavior to promote a common spirit ...... but more villagers believe that high since you asked me to do this thing war , I just take control of your financial security. But I think that with the bank what difference does it? Loans to the poorest farmers, he does not have any collateral, in case of natural risk? Then you've got nothing. So I am very confused, until I saw something Yunus, I found I could explain all the confusion. Oriental Morning Post: Yes,90kPkzwWlF, that the ordinary man is a very tricky thing. High war: the traditional banks have a feature - Xianpinaifu, for the safety of funds, loans to customers of its screening mechanism, is aimed at high-quality, secured secured, there is a good credit record customers. But I do micro-finance projects in rural areas in contrast, we find no special guarantees, no collateral property, there is no previous record of association with the modern financial people - they are "financial untouchables", this design is Sri Lanka's great location, he designed an automatic targeting poor screening mechanism. Oriental Morning Post: Bangladeshi bank for the poor is that a few years before you see? High war: previously seen, beginning not understand, like Bangladesh may be too poor or have special religious culture, such as the legend during his lifetime will not borrow money to go to hell ...... may not be appropriate in China, but later convinced that economic activity law, credit law people have universal value,scarpe hogan outlet, there is no special conditions. Oriental Morning Post: But I believe in you want to borrow money here and not everyone will be able to borrow money, what are your criteria? High war: It is a very technical of living. Yunus designed Grameen Bank is very interesting, for example, lend you 10,000 yuan, 1,000 yuan a year interest, principal and interest by the end of the traditional approach is still together, but Yunus decades of experiments showed that: people can not lend money to the disadvantaged also by the entire whole. Because his funds are scarce, a little money in the production flow, you let him save 11,000 yuan a year, definitely embarrassed him, and he began to save for a long time in advance, this process is a waste of his money in the process, very poor irresponsible. You also want to make him whole by zero, or even a month, also will not work, you must also once a week. For example, interest is 1000 yuan a year, 50 weeks a year in accordance with the calculation that the average weekly payment is 220 dollars. If a rich man to loan repayments will feel a week is too much trouble, but also to set up five-member team to attend seven days of training, etc., and too much trouble, it will not come by naturally, this way hinder the rich like a sieve, sieve out big, leaving small farmers, contrary to traditional banking. Oriental Morning Post: But she borrowed money, not necessarily every week, you can earn a return ...... High war: This is why the importance of the support group of five people. A woman said, I have come to borrow money, I am willing week also. I told her you have to find four people, you are familiar with, she is the same need to borrow money, you do not need to guarantee each other, as long as you need to borrow money, and gave me every week, but there is little requirement If there is a breach of contract which would affect other people continue to borrow. This design is too much! You know what happens? Our loan officers will chat with them, ask them what happened in the past week a happy thing,nike air max pas cher,, worry thing, because they are found in a group, it will generate more social capital and caring concern, such as how together will exchange feed their children, take care of the family, encourage each other, there is dissatisfaction can vent, there is joy to share with others ...... had many unexpected communication. It is said that the high suicide rate among rural women in China, I believe our women clients in no one to commit suicide, which is the economic activities of social function. Oriental Morning Post: How do you deal with the farmers? In the countryside to get help more? High war: It is very easy to enter the rural communities, there are many ways, for example, I often went to the village leaving the camera free for the villagers to take pictures, and then come back a few days to send a photo, a film on a delivery and the family met twice face and soon a friendly up. There are also touched me, like many elderly people never filmed a decent picture, and some elderly people died, before his death I was the only photographs of their family left to give the image. So now I give them a photograph there is a very sacred feeling, to take the best of the best. My computer has more than 3,000 photos of it, and sometimes I want to make a bust of this photo, you can see the way he was wearing polished shoes, and I changed the whole body photo shoot. I often feel lonely in the village, because the village elite - college students, mostly young men have left, many children when I recently sent photos, I have written on the photo behind: Please e-mail to me, when you grow up. Let's do it together. And my e-mail, I want to live for five years or ten years, so they grow up to college, maybe I can receive their mail, then I will mobilize them together Back home construction homes. Entry Editor: Zhang Jun Welcome to comment I want to comment Microblogging Recommended | today's hot microblogging (edit: SN021) 

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