"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, February 16, 2009

Microfinance sector can learn from the Aceh experience

The Jakarta Post, JAKARTA | Mon, 02/16/2009 11:04 AM

Successful pilot projects on sustainable microfinance for small and medium enterprises (SMEs), launched in Aceh since its recovery from the devastating 2004 tsunami, can serve as a role model for the promotion of SMEs in other provinces, experts urged in a seminar last week.

“If it worked in Aceh, it should work elsewhere,” said Mariano A. Cordero, team leader for the Asian Development Bank’s (ADB) livelihood and microfinance subprojects, during a seminar, “Creating Sustainable Micro and Small Enterprises Financial Services” on Friday.

The seminar was part of a two-day exhibition themed “Celebration of Humanity” which the Reconstruction and Rehabilitation Agency (BRR) for Aceh and Nias’ organized in conjunction with the approaching end of its mandate.

The one-day seminar featured speakers from BRR, ADB, the German Association for Technical Cooperation (GTZ), small rural government-run banks or Bank Perkreditan Rakyat (BPRs), and the Regional Development Bank (BPD) of Aceh and Nias, North Sumatra.

BRR’s fact sheet estimates 100,000 SMEs were destroyed or damaged by the tsunami in December 2004.

The disaster also destroyed around 20,000 hectares of fish farms and 60,000 hectares of farmland.

Mariano said principles of microfinance had been implemented successfully, even though Aceh suffered from severe disaster conditions in the wake of the tsunami disaster, but another challenge soon arose.

“A second wave of tsunamis swamped Aceh in the form of unhealthy credit. Forty to 50 donor organizations hand out substantially subsidized credit and grants, even though conditions in the disaster areas were starting to get back to normal,” he said.

He said financial institutions in Aceh needed help to improve and increase their capacity rather than more funds. Donor and government aid was more urgently required in technical assistance and in developing policies which help fledgling credit institutions.

Among ADB’s missions in Aceh has been to create sustainable SMEs in cooperation with 20 private and government BPRs, BPD Aceh and Nias and with the state financing and investment firm PT Permodalan Nasional Madani (PNM).

“Indonesia has more than 3,000 BPRs and 26 BPDs, with the latter having more than 1,000 branches across the country. These are the institutions you can set up in Aceh and elsewhere,” Mariano said.

ADB’s steps to improve microfinance in Aceh included merging 12 BPRs into one bank with 12 branches, upgrading information technology in 18 BPR offices, and training and mentoring BPD Aceh’s loan officer in managing farming and fishery portfolios.

Addie Permono, a team leader for the BRR project, said the ADB had disbursed $10 million in grants with an absorption rateof 80 percent since 2006.

The BPD Aceh data shows that as of last December, the pilot project in Aceh has successfully drawn 360 commercial microfinance customers, and 970 “grassroot” microfinance customers.

Meanwhile, the bank also managed to disburse Rp 3.22 billion ($273,700) in loans to the microfinance commercial sector of which only 0.5 percent were unrecoverable. It disbursed another Rp 2.05 billion to grassroots microfinance sector, none of which were non-performing.

Commercial microfinance customers are individuals or companies with a minimum of one year of business experience and maximum revenue of Rp 300 million per year.

Grassroots microfinance loan customers are from low-income households who run productive businesses. Only households with monthly incomes under Rp 2 million are eligible for credit.

ADB’s strategy in cooperating with local banks to improve the SME sector can be applied to the microfinance sector across Indonesia.

“From the Aceh experience, we have learned that building the capacity of financial institutions, focusing on long-term plans, and creating sustainable microfinance services are what we need to improve SMEs,” said Mariano.

The BRR’s fact sheet shows the agency spent $6.7 billion out of the pledged $7.2 billion for reconstruction and rehabilitation projects.

The funds comprised $2.21 billion from the Indonesian government, $2.2 billion from NGOs, and $2.4 billion from donor countries.

As of the end of last December, $5.4 billion had been disbursed, while the disbursed national budget reached Rp 23.83 trillion. (fmb)

No comments: