"A Summary" – Apr 2, 2011 (Kryon channelled by Lee Carroll) (Subjects: Religion, Shift of Human Consciousness, 2012, Intelligent/Benevolent Design, EU, South America, 5 Currencies, Water Cycle (Heat up, Mini Ice Ace, Oceans, Fish, Earthquakes ..), Middle East, Internet, Israel, Dictators, Palestine, US, Japan (Quake/Tsunami Disasters , People, Society ...), Nuclear Power Revealed, Hydro Power, Geothermal Power, Moon, Financial Institutes (Recession, Realign integrity values ..) , China, North Korea, Global Unity,..... etc.) -

“ … Here is another one. A change in what Human nature will allow for government. "Careful, Kryon, don't talk about politics. You'll get in trouble." I won't get in trouble. I'm going to tell you to watch for leadership that cares about you. "You mean politics is going to change?" It already has. It's beginning. Watch for it. You're going to see a total phase-out of old energy dictatorships eventually. The potential is that you're going to see that before 2013.

They're going to fall over, you know, because the energy of the population will not sustain an old energy leader ..."
"Update on Current Events" – Jul 23, 2011 (Kryon channelled by Lee Carroll) - (Subjects: The Humanization of God, Gaia, Shift of Human Consciousness, 2012, Benevolent Design, Financial Institutes (Recession, System to Change ...), Water Cycle (Heat up, Mini Ice Ace, Oceans, Fish, Earthquakes ..), Nuclear Power Revealed, Geothermal Power, Hydro Power, Drinking Water from Seawater, No need for Oil as Much, Middle East in Peace, Persia/Iran Uprising, Muhammad, Israel, DNA, Two Dictators to fall soon, Africa, China, (Old) Souls, Species to go, Whales to Humans, Global Unity,..... etc.)
(Subjects: Who/What is Kryon ?, Egypt Uprising, Iran/Persia Uprising, Peace in Middle East without Israel actively involved, Muhammad, "Conceptual" Youth Revolution, "Conceptual" Managed Business, Internet, Social Media, News Media, Google, Bankers, Global Unity,..... etc.)

The headquarters of the Corruption Eradication Commission (KPK) in 
Jakarta. (BeritaSatu Photo)
"The Recalibration of Awareness – Apr 20/21, 2012 (Kryon channeled by Lee Carroll) (Subjects: Old Energy, Recalibration Lectures, God / Creator, Religions/Spiritual systems (Catholic Church, Priests/Nun’s, Worship, John Paul Pope, Women in the Church otherwise church will go, Current Pope won’t do it), Middle East, Jews, Governments will change (Internet, Media, Democracies, Dictators, North Korea, Nations voted at once), Integrity (Businesses, Tobacco Companies, Bankers/ Financial Institutes, Pharmaceutical company to collapse), Illuminati (Started in Greece, with Shipping, Financial markets, Stock markets, Pharmaceutical money (fund to build Africa, to develop)), Shift of Human Consciousness, (Old) Souls, Women, Masters to/already come back, Global Unity.... etc.) - (Text version)

… The Shift in Human Nature

You're starting to see integrity change. Awareness recalibrates integrity, and the Human Being who would sit there and take advantage of another Human Being in an old energy would never do it in a new energy. The reason? It will become intuitive, so this is a shift in Human Nature as well, for in the past you have assumed that people take advantage of people first and integrity comes later. That's just ordinary Human nature.

In the past, Human nature expressed within governments worked like this: If you were stronger than the other one, you simply conquered them. If you were strong, it was an invitation to conquer. If you were weak, it was an invitation to be conquered. No one even thought about it. It was the way of things. The bigger you could have your armies, the better they would do when you sent them out to conquer. That's not how you think today. Did you notice?

Any country that thinks this way today will not survive, for humanity has discovered that the world goes far better by putting things together instead of tearing them apart. The new energy puts the weak and strong together in ways that make sense and that have integrity. Take a look at what happened to some of the businesses in this great land (USA). Up to 30 years ago, when you started realizing some of them didn't have integrity, you eliminated them. What happened to the tobacco companies when you realized they were knowingly addicting your children? Today, they still sell their products to less-aware countries, but that will also change.

What did you do a few years ago when you realized that your bankers were actually selling you homes that they knew you couldn't pay for later? They were walking away, smiling greedily, not thinking about the heartbreak that was to follow when a life's dream would be lost. Dear American, you are in a recession. However, this is like when you prune a tree and cut back the branches. When the tree grows back, you've got control and the branches will grow bigger and stronger than they were before, without the greed factor. Then, if you don't like the way it grows back, you'll prune it again! I tell you this because awareness is now in control of big money. It's right before your eyes, what you're doing. But fear often rules. …

Sunday, April 28, 2013

Kenya's cellphone bank gives loans from just a dollar

Google – AFP, Daniel Wesangula (AFP), 28 April 2013

A woman sells beverages near an advertisement for a new cellphone-based
banking initiative in Nairobi on April 27, 2013 (AFP, Tony Karumba)

NAIROBI — Six months ago, Jane Adhiambo Achieng walked into a local Kenyan bank with the hope of getting a loan for her small grocery business.

After providing all the paperwork and after weeks of back and forth between her and bank officials, she was turned down.

"They just told me I don't qualify. My income was too little," said 42-year-old Achieng, who was asking for some $250 -- about half her monthly turnover -- to expand her fruit and vegetable stall in the Kenyan capital.

But in early March, she applied for the same amount through a different source -- and got the money in a matter of minutes.

She credits the Kenyan mobile telephone money application called M-Shwari that lent her the cash for facilitating the growth of her business.

M-Shwari is a new banking platform that allows subscribers of Kenya's biggest mobile network, Safaricom, to operate savings accounts, earn interest on deposits, and borrow money using their mobile phones.

It expands on Kenya's revolutionary use of sending money by mobile phone -- known as M-Pesa, "mobile money" in Swahili -- launched in 2007 and now widely used across the east African nation, where some 70 percent of people have mobile phones.

With a minimum transfer of cash set at five shillings -- around five US cents -- the application revolutionised day-to-day banking for millions left out of the formal system, and is used for transactions ranging from sending money to far-away relatives to paying utility bills or even school fees.

Now it is hoped the new M-Shwari application -- meaning "no hassle" -- can do the same for savers and borrowers.

"We have always been thinking of how to move M-Pesa forward. We knew there was a boundary to be broken and the next frontier was to be reached," said Nzioka Muita, communications manager at Safaricom, which owns both the M-Pesa and M-Shwari systems.

Through this platform, Safaricom says clients can open a bank account, move money in and out of their savings accounts, and access instant micro-credit of a minimum of 100 Kenyan shillings -- slightly more than a dollar -- at any time, all through the mobile phone application.

While loans must be repaid within a month, a single fee of 7.5 percent is charged, a far lower interest rate than high-street banks. Maximum loans depend on how much clients have in their M-Shwari accounts.

The mobile banking application has been so successful that on its first day of operations late last year, more than 70,000 new accounts were opened.

"Up to this point in time, no one in the formal banking sector had thought of implementing such an idea," said Tiberius Barasa, an economic expert with Kenya's Institute of Policy Research and Analysis.

"I am sure that a few bank managers are looking at M-Shwari steadily to see if it is a potential threat to their business."

People wait for a bus near an advertisement for a new cellphone-based
banking initiative in Nairobi on April 27, 2013 (AFP, Tony Karumba)

At least 12 million Kenyans remain outside the formal banking system, according to central bank estimates.

Safaricom controls about 70 percent of the Kenya mobile-phone market, translating to some 19 million subscribers. Of those, some 15 million are already M-Pesa users, a customer base rivalling any banking institution.

On its own, M-Pesa transactions account for more than $50 million (38 million euros) every day in Kenya.

"This is a huge head start for the company," Barasa said.

M-Shwari was launched in partnership with one of Kenya's privately owned banks, the Commercial Bank of Africa (CBA), a deal that could see it boost its slice of the banking sector of east Africa's largest economy.

The family of newly elected President Uhuru Kenyatta hold the major stake in CBA, which provides the banking infrastructure for M-Shwari.

Currently, even with its slightly over $1 billion asset base, it is still some distance away from east Africa's largest banks, such as Equity Bank, Cooperative Bank and the Kenya Commercial Bank.

"In a matter of years, through the sheer volume of transactions that they will be handling on a daily basis, CBA may become a banking powerhouse in the region," Barasa said.

Policy analysts believe that the biggest winners from the M-Shwari service will be those in the market previously thought unbankable, due to its meagre savings and individuals located in remote, inaccessible parts of the country.

"This will greatly change our lives. You can access credit from any part of the country," Abbas Godana, a school teacher in Kenya's remote eastern Tana River district, told AFP.

"You do not have to travel for miles to your bank just to complete some paperwork and wait for the manager to approve the loan."

Godana's village, Cha Mwana Muma, is some 30 kilometres (20 miles) from the nearest shopping centre in which his bank operates a branch -- which, in the impoverished coastal area, where roads are virtually nonexistent, can take a whole day to travel.

In February this year, three months after its launch, transactions on M-Shwari crossed the $35-million mark, with 1.6 million customers having used the service for deposits or loans.

M-Shwari was not the first: telecommunications company Bharti Airtel, an Indian-owned firm, launched a similar product last year known as Kopa Chapaa -- Swahili for "borrow money" -- but the product has not had as much impact.

Smaller micro-credit loan companies have also set up similar schemes.

But "Safaricom has the numbers," Barasa said. "All they need to do is ensure that whatever they come up with resonates with the majority of their subscribers."

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