You need to get your startup capital from somewhere and that investor has to want to give it to you. This is why NEXT6 offers another approach, which is a compromise: a combination of charity and equity investment. Charity by itself encourages corruption. The majority shareholder is a social business.
MICRO FINANCE MISSION:
Our mission is to be the best in the world in micro hydro electric and water resource management: by evolving innovative damless hydroelectric and water transfer technology. We create Today’s Tall Tree Nurseries to support Micro Finance for women farmers and their families using the Carbon Tax Fund, a new form of foreign aid. We export Mechanization into Africa for more productive agriculture.
You may well be one of the richest 1 percent owning 40 percent of the world’s assets.
By contrast, the bottom half of the world’s population owns barely 1 percent of the planet’s assets.
In the last two decades, free markets have swept the globe. We are so conditioned to accept the free-market as it is that we cannot even conceive of it having short-comings. But traditional capitalism has been unable to solve problems like inequality and poverty.
Muhammad Yunus, a practical visionary, wrote a book called Creating a World Without Poverty. He won the Nobel Peace Prize in 2006 for the Grameen Bank and himself.
“Poor people are like Bonsai trees. Society never gave them the soil to grow tall.” — Prof. Yunus
Professor Yunus introduces a totally revolutionary dimension to the free market economy called Social Business. It does not interfere with the mechanism through which the normal Profit Making Business (PMB) works and prospers capitalization, expert business management, competitiveness etc. but investors here do not receive any dividend, though they can recover their investment if they want to, to reinvest in other Social Business or PMB. The social business is not a charity, because, it returns the original investment back to the investor.
The satisfaction gained in achieving the social goals are the only motive behind the investment, and the business will be evaluated according to that standard. Essentially it is a non-loss, non-dividend business aimed at social objectives education, health, environment, whatever is needed to address the problems faced by society. The profits here remain with the business and help it to grow further.
The whole thing is based on the premise that entrepreneurs need not be motivated only by the profits they personally receive, but can also be motivated by social goals and may enjoy success there with equal satisfaction. The important thing is not to mix up a Social Business with a PMB. In fact the inclusion of Social Businesses alongside PMBs in the business world will give the free market capitalism a nobler and a more fulfilling purpose. Its advantages over charity are many efficiencies, sustainable continuous use and utilization of business innovations.
This is a far more radical idea than mere corporate social responsibility, which in his mind tends to window-dressing and has an inherent conflict of interest between the requirement to maximize profit and the intention to do good.
Professor Yunus describes his experiences in founding the Grameen Bank and the lessons he learned from this work:
1. The poor are very capable of solving problems — survival needs have honed their skills.
2. Poor people often need very few resources to pull themselves out of poverty. They are used to making do with little and will frugally expand a small farm or business.
3. Many poor people are poor because they are exploited by those who loan them money, provide supplies, and purchase their offerings. By providing inexpensive micro credit, poor people can escape from that exploitation.
4. By helping the whole family make progress, you can lift a family out of poverty permanently through more income, savings, capital, improved living conditions, and education.
5. By focusing on helping poor women, the resources are used most effectively. Poor women are good credit risks.
6. Some leaders of profit-making companies are moved to make a difference for the poor and can assist in establishing new enterprises to solve important problems that plague the poor (blindness, malnutrition, and lack of communications).
7. Creating social businesses uses a lot fewer resources than charity or government initiatives and leads to better results for the poor.
- Some needs cannot be met without adding expertise that the poor don’t have (such as developing more nutritional, low-cost snacks for youngsters) but which those in profit-making companies often do have.
The Grameen Danone venture in Bangladesh is a classic example of a Social Business to produce affordable, nutritious yogurt for malnourished children and the building of eye care hospitals that will save thousands of poor people from blindness.
The product “Shokti Doi” is a highly affordable, tasty and nutritious product. In order to be acceptable to the children, it has to be tasty — a little sweet. It competes with all other popular branded yogurts in the market in terms of texture and taste, yet is far superior in terms of nutritious value and vitamins and has to be very affordably priced. The focus of the Grameen Danone venture is to set up small scale local plants, with local inputs and produce just enough to meet local needs. Surprisingly the latter approach proves to be cost effective, and with the help of local Grameen women, the product is distributed to the target segment within 48 hours of its manufacture, eliminating the need for expensive cold chains.
This Social business executes social objectives with the missionary zeal of a charity, with the efficiency and speed of a profit maximizing business. This Social Business is self sustainable financially, and gives back the original investments to the investors over a period of time, and nothing more.
A free market business venture would fail to address social issues that need large scale investments while government spending and initiatives of charities are inefficient and many times financially and economically unenviable to achieve these sustainable results — a business that is totally dedicated to solving social and environmental problems.
According to Professor Yunus, there are various ways how the ownership can go to the poor. The two types can be mixed together in the same Social Business as has happened in the case of Grameen Bank. In a similar mixture of the two types, a socially beneficial small hydroelectric system, the damless HUG, can be built by a company as a Social Business whose ownership will partially belong to the poor. On the other hand a huge project such as the more powerful larger HUG system can be built, which can potentially change the economic face of any under developed country, and can be built as a Social Business. The Grameen Bank operates 25 companies — health care basic services for the poor at $2/year, food for the poor (low-cost yogurt – healthy, helps control diarrhea), IT solutions, knitwear for export, solar power, Internet provision, etc.
According to Prof. Unus, one approach would mean venture capital would also come from “social investors” or donor countries for large electricity and irrigation projects, who would later sell the project to a trust. In turn, the trust would sell “shadow shares” to poor people. These “shadow shares” would not represent ownership of the facilities but would entitle holders to any dividends declared by the trust board. Shares could be purchased on credit, to be paid from dividends. The shares could only be sold back to the trust.
The World is Full of Pilot Projects.
Starting a business takes risk capital. Someone is on the line to lose money. Whoever is on the line to lose money puts their money there because they are gambling that they will make money. You can’t ask people to risk losing their money without any hope to make more. The average new business does not make money. Venture capitalists on average return negative interest to their investors. Investors put their money there because they are gambling that they will win big.
Assuming the entrepreneurial student stay actively involved in your venture, they will own 5% of your venture. So 15% of equity is shared equally among the three co-founders. The co-founders’ equity is subject to reverse-vesting, which is designed to encourage co-founders to stay active with the venture beyond one year. The remaining equity is shared with the equity investors (10%), in addition to donation through Sunnyup.net or a crowd funding promotion.
The social venture capitalist and even Foundations will have an expectation of a return and they will be inspired by much good work in the world. They may believe that 10% is not worth while, yet 10% of a very large profit margin at low risk could be considerable. There is a huge untapped market for profitable growth. The risk factor is considerably reduced because the remaining 90% of the equity are matched with donations. Whole new markets will have been open with the advent of electricity, irrigation and micro finance. The NEXT6 are professionals who know this new market. It is hard to find talented manager with local and global knowledge — not a Western system, but we find them.
Next, one must plan to scale up what works to encompass a whole country or region. This is the working area of the NEXT6: each team will be provided with capital and resources, while it works to invent, launch and promote a technology product or service (mobile, web, hardware) in their under developed country.
LIVING WATER MICROFINANCE Inc.
Stage 1 Agricultural Mechanization of Africa
Stage 2 Today’s Tall Trees Nursery: Carbon Tax Fund
Stage 3 Micro Finance & Landlord Cooperatives
Stage 4 Irrigation in Remote Areas using kinetic energy from moving water.
Stage 5 Electricity Created in Remote Areas using moving water without the use of a dam.
Presently, borrowers have become swamped with debt and it has brought some communities down because of high usury interest rates over 25% and up to 20% per day. It is our low interest (8.5%) micro finance that changes the whole environment and there is a 92% payback of all micro credit. (Grameen has a 97% payback but a 20% interest rate on income bearing loans.)
The secret is that five women farmers are involved in the loan transaction. If one does not pay after the harvest all five women farmers are affected, so the peer pressure to pay back is very high. Borrowers each belong to self-made groups of five friends, no two of whom are closely related. Approval is needed by each of the other four for one to take out a loan. Ten-twelve such groups come together for weekly meeting in a center built by them in their own village.
There is another more important approach: we partner with landlords to provide part of their unused land for our women farmers in exchange for providing irrigation and badly needed electricity. We introduce the HUG hydroelectric system in remote areas of Africa. Electricity, water and refrigeration makes a lot of new social business possible. We share equally with landlords in the new profits of irrigated lands. We also share in the profits of all our new enterprises with our volunteer partners.
Another good example of partnering would be a hospital that serve the poor, which have added high-profit surgery centers to earn funds to pay for the medical care given to the poor. Those who can pay full price for cataract surgery provide the profits to provide free surgery to poor people.
The poor women farmers or entrepreneurs are the main recipient and they will own 24% of the new venture — with 0% to 10% down payment depending on supply. LIVING WATER IS CORPORATION Inc. is an affiliated Social Business, which provides venture capital and takes a 51% equity ownership. This is done in order to accumulates capital to build larger projects, a new fund: 49% traditional and 51% Social Business.
Collectively, we have only begun to scratch the surface of what could be the biggest potential market opportunity in the history of commerce. Those in the private sector like Danone, who commit their companies to a more inclusive capitalism, have the opportunity to prosper and share their prosperity with those who are less fortunate. Initially, multinational corporations may find this approach beneficial to improve their own credibility in order to break into a new market.
Sunnyup.net provides wonderful opportunities offered by IT (Information Technology) to best deploy this Social Business, of having poor people be part of the solutions: a new business model that innovates in serving the poor in new ways, not just subsidize serving the poor in old ways. You can envision every village as its own business.
Many young people today feel frustrated because they cannot recognize any worthy challenge that excites them within the present capitalist system. They must know that we will need many social businesses dedicated to poverty relief, medicine and immunization, and other enterprises. Helping to raise charitable funds can also be lucrative through our website, SUNNYUP.NET
Agroforestry could help solve Climate Change.
HELPING SOLVE WORLD’S CARBON POLLUTION
- A Micro Hydro Electric System: no dams: HugENERGY.us
- An Irrigation System: NORTHydro.com
- A Rabbit and Fish Farm: AfriCAPITALISM.us
- The Charitable Arm: SunnyUp.net
- Living Water Micro Finance: LivingWaterMicroFinance.org
- Thunder of Justice: ThunderofJustice.com
- Deliverance Is: Deliveranceis.com
- God Love Letters: GodLoveLetters.com
BILLIONS OF CHRISTIANS CAN’ T ALL BE WRONG!
Christianity is not a philosophy, but it is a relationship with God, your Creator, in Christ TODAY. It is not knowledge of abstract principles.
HOW DO WE KNOW THIS?
Some Christian disciples use deliverance to deliver away evil spirits influencing people. These evil spirits cause depression, addictions and illness through all forms of stress.
2. COMPLETE SENSE OF PEACE?
After you have been delivered from evil influences, you will have a definite physical experience of a complete sense of peace.
Once you experience a physical sense of peace because of deliverance, you know that you will be healed. This helps you build up your faith, which is very crucial: No faith! No healing!
Some Christian disciples have the gift of healing. Only the Name of Jesus Christ makes healing and deliverance possible.
THE WHOLE FAMILY BENEFITS
In the end, one Christian conversion will benefit the whole family. The gifts of the Holy Spirit of healing and deliverance will help the whole family. A prayer of deliverance of evil spirits will leave any member of the family with a complete sense of peace immediately. A prayer of healing from a Christian disciple produces 80% healing. The remaining healing comes from continued prayer of praise and thanksgiving until all the healing is complete. This healing comes from the Holy Spirit through the power in the Name of Jesus Christ. No other god or deity or doctor uses this power. This proves the TRUTH OF CHRISTIANITY.
God divinely inspired the BIBLE . How do we know? Each of eight accurate predictions shows a high probability mathematically. The probability of one individual fulfilling eight prophecies have odds of 1 in 10 17 (1 in 100,000,000,000,000,000). Jesus Christ fulfilled all prophecies, therefore the Bible MUST BE TRUE.
The Old Testament indicates another 40 astonishing predictions.
Christianity experiences stunning growth—from approximately 3.8 million adherents in China in 1956 to an estimated 87 to 100 million Christians today.
HOW IS JESUS STILL ALIVE TODAY?
Jesus is alive today! He heals today (through His followers) and in many cases it is realized immediately. How else can you explain the explosion of Christianity, the world’s largest religion, on earth: 2.2 billion adherents, nearly a third (31 percent) of all 6.9 billion people on Earth.
Christians know and feel His Presence; they communicate with Him personally; Christian prayers are always answered.
This author has been given the Gift of Healing only because he is a Christian Lay Missionary, who travels two to three places every year. On his last trip to Columbia he successfully transferred his Gift to his Spanish translators, who were able to heal as he did. He has healed Muslims to their great surprise.
He also delivers away evil spirits along with their healing. All those who are delivered from evil spirits feel a complete physical sense of peace.
DREAMS AND VISIONS
God can give a message to those non-Christians to change their heart. God knows faith will be developed eventually. God will come to you in the form of dreams or visions. So be sensitive to any dreams or visions, when you ask God for it earnestly.
HAVE YOU EVER WONDERED HOW TO BECOME A CHRISTIAN?
- Christians don’t shout, “I live a clean life!” Christians whisper “I feel lost, but now God found me and God forgives me.”
- Christians don’t speak with pride. They confess that they stumble and need Christ to be their guide.
- Christians don’t say,” I’m strong.” They say they try to be strong because they need strength.
- Christians don’t brag about success, but they admit that they fail and they need God to clean the mess.
- Christians don’t claim to be perfect, but God still believes in them.
- Christians still feel the sting of pain. They have their share of headaches but they still call upon His Name.
- Christians are not holier than others. They are simple sinners who receive God’s unbelievable Grace.
Christianity on a Table Napkin:
“If you declare with your mouth, ‘Jesus is Lord,’ and believe in your heart that God raised him from the dead, you will be saved.” Romans 10:9
God the Father will wipe every tear from our eyes, and there shall be no more death or mourning, crying out or pain. We will be like Him, for we will see Him as He is The Holy Spirit will have made all things new. Eternal joy will begin. “For the Mighty One has done great things for me— holy is His name.” Luke 1: 49
Are we not like Barabbas who was justly condemned for murder, but saved by the innocent Jesus on the cross? Are we not like the adulterous woman, deserving of death by stoning, to whom Jesus says, “I do not condemn you”? And Jesus saved them both. In fact, Jesus came to earth specifically to look for and save those who were lost, like you.
“Come now, let us settle the matter,” says the LORD, “Though your sins are like scarlet, they shall be as white as snow; though they are red as crimson, they shall be like wool”. Isaiah 1:18
You may need some counseling with a pastor, priest or competent Christian worker, who will introduce you to a Short Course on Who is Jesus? Start by reading a short biography of Jesus in the Gospel of Luke. Read several verses before going to bed and read the same verse upon arising. He will defend you from attacks of the enemy when you ask Him.
Healing and Deliverance (Ctrl + Click to follow Link)
- Abuse and Trauma
- A Vision of Hell
- Breaking Free of Controlling Spirits
- Can a Smart Person believe in God
- Cigarette and Drug Bust
- Deliverance from Depression
- Deliverance from Drugs and Addiction
- Deliverance from Prison
- Deliverance PowerPoint
- Divine Healing
- Do you Know an Alcoholic?
- Don’t be Afraid of Fear
- Gluttony is Not Merely Overeating
- God’s Protection and Blessing
- Healing and Deliverance General Information
- Healing and Deliverance Instructions
- Healing Hands: Father Melvin Doucette
- Healing of Relationships
- How to Keep Your Healing Once you have Received it
- Insomnia and Deliverance
- Jesus Cures a Blind Man at Bethsaida
- Joy and Sorrow
- Let’s Start
- Lust and its Brother Pornography
- Physical Healing
- Power of Healing
- Prisoner of Unforgiveness
- The Healing Power of Jesus
- The High Stakes of Gambling Addiction
- Three Ways of Self-Deliverance
- Ungodly Soul Ties
- Ungodly Superstitious Beliefs
- Your Part
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