"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. …

Monday, September 15, 2014

Microfinance the First Step in Poverty Eradication

Jakarta Globe, Shoeb K. Zainuddin, Sep 15, 2014

Muhammad Yunus. (Antara
Photo/Andika Wahyu)
Jakarta. Financial inclusion has long been viewed as one of the key drivers of poverty reduction. The argument is that if the unbankable segments of society had access to capital, they would be able to pull themselves out of poverty.

At the heart of this argument is the role and critical importance of microfinance; the system of issuing small loans to micro-enterprises to help them expand. Making credit available to the millions of micro-enterprises, it has been thought, would fix the problem. Not so, said Muliaman Hadad, the chairman of the Indonesian Financial Services Authority (OJK), on Sunday.

Speaking at a Leaders’ Breakfast dialogue with professor Muhammad Yunus, the Nobel laureate, on the topic “Building Business for a Better Society,” Muliaman explained that microfinance must expand beyond just providing access to capital.

“From our experience, micro-finance is the starting point of financial inclusion,” he told the audience. “Microfinance over the past 30 years has not achieved its objective,” he added, which is reducing poverty and closing the income gap.

As such, the OJK is now studying changes to the industry and is seriously looking at amending the regulatory environment to ensure that the system works for the poor. He noted that banks were not the right institutions to drive microfinance because of their restrictions and that the government was studying the possibility of getting finance companies to play a bigger role in microfinance.

“The current [avenue of] thinking is that we will divide the regulations between banks and microfinance institutions,” he said. “Maybe regulations should cap interest rates so that we protect the consumer from companies that only seek to exploit the poor.”

Under the plan, which is still in its initial stages, starting a finance company will be made easier if the shareholders are committed to lending to productive sectors and not just financing consumption.

“We want finance companies to provide loans to farmers, fishermen and other micro-entrepreneurs,” he said.

Rather than accepting deposits as the main channel for raising capital, finance companies will be able to issue bonds and other debt paper to raise funds.

“This system will be more flexible than using the banking system, which is restricted by strict regulations.”

In his comments, Muhammad Yunus noted that microfinance is “serious” banking and it would be a serious mistake to consider microfinance institutions as charitable organizations.

“You cannot use regulations designed for the rich and apply them to the poor.”

He added that microfinance institutions should not be funded by the government as often politics gets in the way of rationale decision making.

“It should be a self-reliant system but the regulatory framework is critical and it should be clearly defined.”

That definition should include the point that microfinance institutions should not demand collateral for issuing loans and he agreed with Muliaman that there should be a cap on the interest rates charged.

“[Everyone] is bankable,” he said. “The question is, whether banks and financial institutions are people-oriented or profit oriented.”

The Bangladeshi social entrepreneur, banker, economist and civil society leader was awarded the Nobel Peace price for founding the Grameen Bank and pioneering concepts of micro-finance and micro-credit. He was in Indonesia to speak at the Indonesian Music and Mission Festival, attended by some 10,000 Indonesian youths. The event was co-organized by Sinergi Indonesia and the Goodwater Company.

“We live in two different economies; one for the rich and one for the poor. We therefore need a conceptual framework for measuring growth which is not purely defined by gross domestic product,” Yunus said.

The world will be a completely different place 25 years from now and Indonesia will be a completely different country, he noted, saying: “Change is guaranteed but we have a choice to make sure that the changes benefit all members of society.”

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