1976-1990:
During the last 15 of my father Norman Macrae's 40 years writing at The Economist, he mapped in deep microeconomic detail
why the net generation to 2024 would compound one of 2 opposite outcomes -ten times more or ten times less wealth and health
to be shared by societies worldwide. If it is evident to you that Wall Street is compounding the long-term destruction scenario,
then the good news is:
Nobel Laureate networks linked round Dr Yunus who are assembling universities and global corporate leaders in putting together the curriculum that
frees every global market co comepound sustainable exponentials up instead of crashing down; citizens why not start up creative
labs LondonLAGlasgowBerlinDC ... to practice actioning the good news chris.macrae @yahoo.co.uk
1 Value the source- My dad -Norman Macrae - who wrote about entrepreneurship throughout his career at The Economist seconds Dr
Yunus' definition - Entrepreneur is one who makes more jobs than (s)he takes.
In fact dad says the French "between take" refers to the social maps of liberte egalite and fraternite
that public servants started making after guillotining the heads of royalty for monopolising all the people's assets. The Americans being patient people drawn originally from such sources as Europe's poorest and
most enrepreneurial; - in spite of It Takes a Pillage reckoning that the bailout has so far funded new york's top-down gamblers with another
20 trillion dollars
Bastille-type bloodbaths are not needed to
deal with Wall Steet IF yes we can celebrate 2010s as the Joy of Life decade with open systems mapping
with transparency, joy of purposeful win-win-win organisations and sustainability exponentials up. These can be speedily,
wholly and truly interconnected worldwide instead of the decade of exponential crashes that false metrics and inconvenient
truth media have made the hallmark of the 00s.
Now admitedly the editors of
this web are impudent scots who know what hi-trust assumptions were made in the origin of Adam Smith's Free Market models
, and have read James Wilson's social impact reasoning for starting up The Economist in 1843. Dear James died in calcutta before his time trying to reform the english's colonial macroeconomics, of
diarrhea whose cure bangladesh invented for a cent a go in the 1960s and whose open source replication was one of the
1970's reasons for the world's greatest invention - what the microentrepreneurial world now celebrates as collaborative
social business system modeling.
If you have questions on true sustainability
investment models we would refer you to Dhaka -Grameen Webs 123 ; BRAC webs 12 as the epicentre of such nobel endeavours where development is defined as the instrments as
process whereby people strive for peace and prospertity. Failing that I am at Washington DC tel 301 881 1655 chris.macrae
@yahoo.co.uk ; friends of Yunus 69th birthday dialogue celebrations in Dhaka include in London: mostofa YForums; Sofia Creative ; Paul BBC; in my view the greatest worlodwide Nobel champion of Dr Y is sam in Princeton; my professional side is extremely interesed in brand leader CEOs as you
can see from stories below which is a club that volksvagen are launching in november from their stadium in wolfsburg thanks
to german friends of dr yunus http://www.grameencl.com/if you believe you are one of the world's joyous supporters of Bangaldeshi sustainability
lnvestment, tell us info @worldcitizen.tv your story and the ones with demonstrable case bookmarks we
will blog below .. rsvp info@ worldcitizen.tv
Grameen 09
yes we can use technology for sustainability
no 2010s millennium goals can't be met - nor a
sustainable global -with wall street's short-term rewards and diabolical macroeconomic monopoly that shreds the
3 core system qualities of value multiplication 1 goodwill's trust-flows, 2 transparency and 3 compound whole truths.
Which university business schools will contribute to missing curriculum of compound sustainability
Nobel 2006 - yes sustainability investment maps in business do exist-
Bangladesh has co-created these since our nation's birth; I invite every young person to try social business model so they
know the leadership choice they mediate in 2010s
because of the social business model Grameen invests in more solar
unit installation than all of usa banking- we have to value this ; bangladesh will be the first 100 million population
to be washed away unless the world collaborates in ending climate crisis- thriving carbon negative economies are possible
- come benchmark with dhaka a world epicentre of sustainability
because we are a bank for the poorest dont under-estimate what
we invest the poorest's monies in - bangladesh's partners aim to be as much a world leader of mobiles as bangalore was
with the internet http://www.grameensolutions.com/http://bankabillion.org/ - we invite all micro economists to join us in the net generation's race to end poverty and co-create 7 billion jobs worthy
of lifetime amd community service
Veolia & Volkswagen (Autostadt)
W
xYz YunusCentre.org
Yunus-Nobel
Adidas & AIT YunusC & Grameen America & AshdenAwards
Bangladesh
& BASF &BerlinFreeU
CISB (CSUCI) &CreditAgricole& Colombia SB Zones
Danone &
U
Universities for Sustainability; Media, Global Brand Marketing Sustainability
E
T
Foundation
Social
Business – sustainability world’s greatest inventions
I wish to compete and collaborate with Dr Yunus in job creation's human race - at alibaba and on behalf of chinese technologists for the peoples - we
pledge creating 100 million microentrepreneurial jobs is possible through 2010s
if your leadesrhip systems serves customers and employees
then you compound great returns for shareholders too - no company with a sustainable future needs speculator shareholders;
wherever speculators rule, macroeconomics becomes (is sponsor of) the Big Brother theory of how to become ever
less economic- isn't that the main action learning of the 2000s?
More good news on 5 transparencies of sustainability - media, financial, ecological, business school and job creation
FIFA & Visa announce financial football- a web-based game to teach 20 million financial literacy
Grameen Bank's solar energy business which already installs
more units than USA announces training partnership with government to take thriving catbon negative economy nationwide
We are all sustainability investors in
our futures which, wherever man designs systems, can only spin one of two opposite trajectories: exponential up (sustainability),
exponential down (uncreative destruction). In the 1970s, Bangladesh planted seeds that have made this new nation the millennium
benchmark of sustainability investors for all 203 nations on earth.
This
extraordinary circumstance developed because almost the whole female population simultaneously voted for designing banks that
invested in their family’s health and their childrens’ futures. It was everyone’s good fortune that two
of the world’s greatest entrepreneurs chose to spend their lives as open source leaders and in the process co-created
the world’s greatest system invention designed around the female vision and mission.
The triangle on which their sustainability business model –today called social business
entrepreneurship - is anchored comprises:
1 before we can invest we must know why conflict is still compounding poverty and innovate a solution to end
this. We got the shortest straw from independence from the colonial British being decimated in a war with West Pakistan but
that’s history, we have the future opportunity to design our freedoms, joy and independence ; we live in a region where
natural disasters happen frequently and on a bigger scale than almost anywhere else and we must communally invest ahead of
this; almost half of our population are treated from birth as if they have no productive contribution to make to life –
yes we can change the way women are credited as the most organized and truly productive empowerment force man has ever seen.
2 Our sustainability investment banking
must be operated communally with the greatest tranapsarency as we strive to identify replicable franchises designed around
positive cashflows
3 All
of the surplus will be reinvested in the long-term purposes of our female sustainability investors matching the vision and
mission above
Intriguingly, the two entrepreneurial
leaders who have generated Bangladesh as the joyful sustainability epicentre of our times governed with the same wholly new
system design of reinvesting entirely in life critical and developing purposes, but first applied it in differently segmented
ways. Today, each can claim to represent over 8 million female investors in Bangladesh, all of whom have built their family’s
lives by co-creating microentrepreneurial jobs as well as thriving and sustainable local rural markets. Worldwide diffusion
of this system’s entrepreneurial revolution in sustainability banking worlds took less than a decade for the microcreditsummit
born 1997 – as the most extraordinary networking paradigm of the millennium– to reach 100
million poorest families.
Nobel Peace Laureate Dr Muhammad
Yunus took an approach of let’s invest in 60 people communities at a time, Fazle Abed, probably the only world leader
to have youthfully experiences as a Batchelor in shipbuilding and a Master in accounting and a corporate directorship in energy,
redesigned whole industry sectors from the bottom up so that every worker in the sector gained a living wage if they entrepreneurially
took out a loan to participate in the way the whole supply and demand chain mapped sustainability. These were naturally different
starting points.
Dr Yunus’
organisational teams had started up among the women of Jobra as nearest village to Chittagong University. Fazle Abed had begun
with disaster relief webbed across whole regions and soon distribution across the whole of rural Bangladesh of the lowest
cost medical cure ever- oral rehydration- whose solution revolves round local parental knowledge of how to mix sugars and
salts and liquid in the right proportion so as to save up to 20% of all Bangladeshi infants from dying of diarrhea.
Over time the distinction between these approaches has blurred –
especially since 1996 as both Grameen and BRAC invested their members money in mobile and internet infrastructure innovations
for the poor. The good news for global villages and world citizens is that Bangladesh is now a living laboratory of where
the world’s greatest system invention has been invested in relentlessly –and with a joy of
life - for over a third of a century.
India’s Gandhi Peace Prize 2000
Citation : Grameen Bank, Bangladesh
There are few institutions that inspire faith in humanity, live with
a soul committed to fighting the inroads of global homogenization, seek to provide succor to the deprived yet diligent common
people and prove that unity can work miracles even in an age of growing individualism. The Gandhi Peace prize 2000 is being
awarded to one such institution which has been helping the marginalized masses to reject charity and to master their own destiny
instead. It has been helping them tap their innate capabilities of entrepreneurship, thereby bringing them hope confidence
and cheer. Here is a sorority of perseverance and service that promotes dignity and adherence to truth. Here is development
which enabled millions of women from poor households to acquire a new meaning in life. Here is development with a human face
which is not populist but people-centred and which promotes self-help and self-respect, values dear to Mahatma Gandhi
It’s not only developing countries that can action learn from
the Gandhian whole truth grail of Satyagraha and micro up entrepreneurship but every community around the world whose sustainability
is in crisis. Its not just elders that can seize the exponential tiger of opportunity and threat as we mediate local societies
and global markets free to be sustainable, its up to how youth’s curiosity and love of exploring human good choose to
socially business network.
MAPPPING HOW 10 TIMES MORE ECONOMIC IS
ENTREPRENEURIALLY SYSTEMISED MICRO UP
The former first
lady of South Africa called Dhaka the open university of microcredit – the banking model based on the sustainability’s
truest system design. I slightly disagree because as I map it:Dhaka is now en route to every sustainability
city for every sector that contributes communally to human progress not just banking – vital though that sector is to
Global Village and Main Street. Bangladesh is the open university of every life enhancing market sector that empowering micro
up can develop 10 times more economically over time than controlling macro down. At inauguration’s prime time media
opportunities, it is worth noting that Obama’s priority list of American sectors that need to innovatively transform
to micro up empowerment include education, healthcare, energy and banking. The exponential costs of all four have been rising
for decades to the state that they can neither be sustained communally nor sustain communities whatever party congresses over
them.
It may be exciting for world citizens to see that in
Dhaka’s leading universities, Bangladesh framework for development economics is defined as the study of the
instruments and process through which people strive for peace and prosperity. This is a curriculum which grades of
every age and culture need open access to if we are to make the defining achievement of our net generation the united race
to end poverty.
Can we simply see the stakes of innovation
have never been higher for planet, societies and business leaders including their economists? Can we agree that is why being
alive today demands the optimism of celebrating the most exciting and the most responsible time to have lived on earth?
As was exponentially forecast by leading entrepreneurial revolutionaries
and microeconomic networks connected to The Economists in the 1970s and 1980s, if we integrate globalization round the system
innovation of end poverty we will integrate 10 times more economical approaches to sustaining health and wealth everywhere
by 2025. Conversely globalisation can spin exponential destruction - the Orwellian Big Brother way ahead - ending the sustainability
of more and more communities through macroeconomic frameworks, whose mass mediated political chicanery of ever less than whole
truths, will measurably compound 10 times less economic futures.
The
future option of accessing the world’s greatest invention thanks to Bangladesh’s due diligence is now everywhere
that networked peoples exist, and I passionately ask you to consider why lurking for humanity in the 2010s would be the most
dismal choice of all human history, and is mathematically likely to turn out to be an exit strategy for our species.
Sunday, October 25, 2009
Rule 1 of 3 of Bangladeshi Social Business - the model that proven
over 33 years to resolve sustainability crisises and end poverty is very simple. Namely: the ownership of the system
should be by or in trust of those whom have the deepest need of the system's unique purpose.
This rule has
been broken so often in the case of microfinance that Muhammad Yunus wrote his end of 2007 book on "creating a world
without poverty - the social business model" explicitly to ensure no ambiguity among any who claim to be practitioners
of Bangladeshi microcredit or micro anything. His chapter 1 explains very clearly that the West has not been making
significant inroads into ending the most extreme poverty because there is literally no organisational system typology
designed wholly to this purpose. Putting ownership communally into the poorest customers hands - as Grameen did at time
of constitution by Bangladeshi law in 1983 - is in effect what makes social business models capable of generating sustainability
world's greatest inventions, -achieving the most heroic goals of any systems designed by humans.
This is Rule 2 of 3 of social business - the only proven system
design to sustain communities and the world
before mapping segmentations transparency integrates as many
as 10 sources of flow into a productive and demanding value exchange - some may be implicit - for example even if a country's
government has no laws pricing unsustainable use of a local resource, that would impoverish the local society over time so
social business models as defined since the 1970s in Bangladesh must not cut sustainability corners of an ecological
kind;
I have never seen a transparent exchange where one or more parties are only there to take out money as fast
as possible; in fact such speculators pose the most conflict to long-term investment ownership in ordinary busienss
models- in the social business model where the owner and the customer/society in deepest need of the organisational purpose
are coincident, it clearly would destroy communal transparency and purpose if any participant was only there for
the money
Rule 3 of 3 of social business - the only proven system design to
sustain communities and the world - is: design an organisational system to cycle positive cashflow in robustly mapped way
-where the model has proven its sustainability in terms of mulltiplying the trust of every participant so that it makes
more than it costs - then always reinvest all of the surplus in the system's purpose
This rule enables social
business to compound extraordinary goals over time ; as a family of journalists with over 60 years of cataloguing entrepreneur
cases, we do not accept that the word entrepreneur was coined to apply to someone who doesn't have system design understanding
of the cost model and/or hasn't had the creativity and determination to demonstrate where the model is going to
gain more cash incoming each cycle than outgoing. Unlike charity models which often have to put their most experienced people
on eternal fundraising, a well designed social business model frees up the most experienced people to improve its purpose
or replicate is reach
By putting its profit back in its communal purpose a social business mdoel never runs
the risk that it will be used to extract out of the community the productivity or othyer energies that were communaly input.
Ruke 3 ensures empowerment not piwering over, it integrates localities sustainably int a global rather than some group playing
at global colonialists
Bangladesh Bank Governor Dr Atiur Rahman has gone few steps forward
on his endeavour to make banking sector more pro-poor as he highly criticised the country's banks and financial institutions
for their lukewarm approach to the poorer section of the society.
The governor in
his keynote speech at a seminar, held in the Kenya's capital Nairobi last week, shared his views on the 'banking for poor
issue' with a distinguished global audience when he admitted that his own country was lagging behind in providing poorer people
with basic banking and financial services.
Dr Atiur, chief of the country's banking and financial sector's watchdog,
said the banks and other financial institutions in Bangladesh had been depriving poor people of basic financial services,
keeping them trapped in a poverty cycle.
"Despite substantial bank branch expansion and emergence of micro-finance
institutions, scant access to basic financial services still remains a deprivation suffered by large segments of the poorer
rural and urban population in Bangladesh, more hurtful than other deprivations in restricting opportunities of freeing themselves
from the poverty trap", he observed.
He found that the expansion of rural branches of banks and promotion
of co-operative societies benefited only the better off rural elite, when the broad masses of illiterate, innumerate rural
poor remained out of financial services.
"The co-operatives tended to fall prey to 'elite capture' by powerful
local groups uninterested in diluting control by enrolling poorer masses in large numbers. Rural branches of banks focused
mainly on crop loans to farmers, their lending models were not geared towards reaching out to the poorer landless illiterate
unable to handle the paperwork involved in bank borrowing," said Dr Atiur.
The governor, however, cited the
Grameen Bank's micro-finance as a tool in extending credit services to the rural poor, but he said the financial coverage
was still incomplete, with gaps both at the lowest end and at some patches up the income ladder.
Dr Atiur, who
has already initiated a vigorous approach to make banking services available to the deprived people, said financial inclusion
of the important segment of the society would result in more equitable economic growth.
The central bank, under
his leadership, has already allocated Taka 11,500 crore for farm sector and another Taka 500 crore for the sharecroppers,
who had never been offered such financial facility from the traditional banking sector.
The disbursement of the
huge soft loan to sharecroppers will begin next month, bringing in a large number of people under the necessary banking services
for the first time in the country's history.
Thousands of farmers will also start getting easy loan in October
from the country's highest ever allocation of Taka 11,500 crore to revamp agri- sector aimed at achieving food security.
But still, Dr Atiur feels the necessity for certain rules and regulations for ensuring banking services to the poor
people, who in fact, represent the majority of the population.
Dr Atiur apparently advocated precise policy measures
to ensure poor people's access to the basic financial services. He referred to the existing rules and regulations in the United
States and the United Kingdom to strengthen his gesture.
"Basic financial services including deposit, payments
and credit services are recognised as entitlements of all citizens; particularly in advanced economies [US has a federal law
prohibiting discrimination by banks against lower income neighbourhoods, and some state laws requiring banks to offer basic
accounts for low cost banking services, UK have government programmes promoting financial inclusion], the governor noted.
Bangladesh Bank Governor Dr Atiur Rahman has gone few steps forward
on his endeavour to make banking sector more pro-poor as he highly criticised the country's banks and financial institutions
for their lukewarm approach to the poorer section of the society.
The governor in
his keynote speech at a seminar, held in the Kenya's capital Nairobi last week, shared his views on the 'banking for poor
issue' with a distinguished global audience when he admitted that his own country was lagging behind in providing poorer people
with basic banking and financial services.
Dr Atiur, chief of the country's banking and financial sector's watchdog,
said the banks and other financial institutions in Bangladesh had been depriving poor people of basic financial services,
keeping them trapped in a poverty cycle.
"Despite substantial bank branch expansion and emergence of micro-finance
institutions, scant access to basic financial services still remains a deprivation suffered by large segments of the poorer
rural and urban population in Bangladesh, more hurtful than other deprivations in restricting opportunities of freeing themselves
from the poverty trap", he observed.
He found that the expansion of rural branches of banks and promotion
of co-operative societies benefited only the better off rural elite, when the broad masses of illiterate, innumerate rural
poor remained out of financial services.
"The co-operatives tended to fall prey to 'elite capture' by powerful
local groups uninterested in diluting control by enrolling poorer masses in large numbers. Rural branches of banks focused
mainly on crop loans to farmers, their lending models were not geared towards reaching out to the poorer landless illiterate
unable to handle the paperwork involved in bank borrowing," said Dr Atiur.
The governor, however, cited the
Grameen Bank's micro-finance as a tool in extending credit services to the rural poor, but he said the financial coverage
was still incomplete, with gaps both at the lowest end and at some patches up the income ladder.
Dr Atiur, who
has already initiated a vigorous approach to make banking services available to the deprived people, said financial inclusion
of the important segment of the society would result in more equitable economic growth.
The central bank, under
his leadership, has already allocated Taka 11,500 crore for farm sector and another Taka 500 crore for the sharecroppers,
who had never been offered such financial facility from the traditional banking sector.
The disbursement of the
huge soft loan to sharecroppers will begin next month, bringing in a large number of people under the necessary banking services
for the first time in the country's history.
Thousands of farmers will also start getting easy loan in October
from the country's highest ever allocation of Taka 11,500 crore to revamp agri- sector aimed at achieving food security.
But still, Dr Atiur feels the necessity for certain rules and regulations for ensuring banking services to the poor
people, who in fact, represent the majority of the population.
Dr Atiur apparently advocated precise policy measures
to ensure poor people's access to the basic financial services. He referred to the existing rules and regulations in the United
States and the United Kingdom to strengthen his gesture.
"Basic financial services including deposit, payments
and credit services are recognised as entitlements of all citizens; particularly in advanced economies [US has a federal law
prohibiting discrimination by banks against lower income neighbourhoods, and some state laws requiring banks to offer basic
accounts for low cost banking services, UK have government programmes promoting financial inclusion], the governor noted.
Bangladesh Bank Governor Dr Atiur Rahman has gone
few steps forward on his endeavour to make banking sector more pro-poor as he highly criticised the country's banks and financial
institutions for their lukewarm approach to the poorer section of the society.
The
governor in his keynote speech at a seminar, held in the Kenya's capital Nairobi last week, shared his views on the 'banking
for poor issue' with a distinguished global audience when he admitted that his own country was lagging behind in providing
poorer people with basic banking and financial services.
Dr Atiur, chief of the country's banking and financial
sector's watchdog, said the banks and other financial institutions in Bangladesh had been depriving poor people of basic financial
services, keeping them trapped in a poverty cycle.
"Despite substantial bank branch expansion and emergence
of micro-finance institutions, scant access to basic financial services still remains a deprivation suffered by large segments
of the poorer rural and urban population in Bangladesh, more hurtful than other deprivations in restricting opportunities
of freeing themselves from the poverty trap", he observed.
He found that the expansion of rural branches of
banks and promotion of co-operative societies benefited only the better off rural elite, when the broad masses of illiterate,
innumerate rural poor remained out of financial services.
"The co-operatives tended to fall prey to 'elite
capture' by powerful local groups uninterested in diluting control by enrolling poorer masses in large numbers. Rural branches
of banks focused mainly on crop loans to farmers, their lending models were not geared towards reaching out to the poorer
landless illiterate unable to handle the paperwork involved in bank borrowing," said Dr Atiur.
The governor,
however, cited the Grameen Bank's micro-finance as a tool in extending credit services to the rural poor, but he said the
financial coverage was still incomplete, with gaps both at the lowest end and at some patches up the income ladder.
Dr Atiur, who has already initiated a vigorous approach to make banking services available to the deprived people, said
financial inclusion of the important segment of the society would result in more equitable economic growth.
The
central bank, under his leadership, has already allocated Taka 11,500 crore for farm sector and another Taka 500 crore for
the sharecroppers, who had never been offered such financial facility from the traditional banking sector.
The
disbursement of the huge soft loan to sharecroppers will begin next month, bringing in a large number of people under the
necessary banking services for the first time in the country's history.
Thousands of farmers will also start getting
easy loan in October from the country's highest ever allocation of Taka 11,500 crore to revamp agri- sector aimed at achieving
food security.
But still, Dr Atiur feels the necessity for certain rules and regulations for ensuring banking services
to the poor people, who in fact, represent the majority of the population.
Dr Atiur apparently advocated precise
policy measures to ensure poor people's access to the basic financial services. He referred to the existing rules and regulations
in the United States and the United Kingdom to strengthen his gesture.
"Basic financial services including
deposit, payments and credit services are recognised as entitlements of all citizens; particularly in advanced economies [US
has a federal law prohibiting discrimination by banks against lower income neighbourhoods, and some state laws requiring banks
to offer basic accounts for low cost banking services, UK have government programmes promoting financial inclusion], the governor
noted.
Bangladesh Bank Governor Dr Atiur Rahman has gone
few steps forward on his endeavour to make banking sector more pro-poor as he highly criticised the country's banks and financial
institutions for their lukewarm approach to the poorer section of the society.
The
governor in his keynote speech at a seminar, held in the Kenya's capital Nairobi last week, shared his views on the 'banking
for poor issue' with a distinguished global audience when he admitted that his own country was lagging behind in providing
poorer people with basic banking and financial services.
Dr Atiur, chief of the country's banking and financial
sector's watchdog, said the banks and other financial institutions in Bangladesh had been depriving poor people of basic financial
services, keeping them trapped in a poverty cycle.
"Despite substantial bank branch expansion and emergence
of micro-finance institutions, scant access to basic financial services still remains a deprivation suffered by large segments
of the poorer rural and urban population in Bangladesh, more hurtful than other deprivations in restricting opportunities
of freeing themselves from the poverty trap", he observed.
He found that the expansion of rural branches of
banks and promotion of co-operative societies benefited only the better off rural elite, when the broad masses of illiterate,
innumerate rural poor remained out of financial services.
"The co-operatives tended to fall prey to 'elite
capture' by powerful local groups uninterested in diluting control by enrolling poorer masses in large numbers. Rural branches
of banks focused mainly on crop loans to farmers, their lending models were not geared towards reaching out to the poorer
landless illiterate unable to handle the paperwork involved in bank borrowing," said Dr Atiur.
The governor,
however, cited the Grameen Bank's micro-finance as a tool in extending credit services to the rural poor, but he said the
financial coverage was still incomplete, with gaps both at the lowest end and at some patches up the income ladder.
Dr Atiur, who has already initiated a vigorous approach to make banking services available to the deprived people, said
financial inclusion of the important segment of the society would result in more equitable economic growth.
The
central bank, under his leadership, has already allocated Taka 11,500 crore for farm sector and another Taka 500 crore for
the sharecroppers, who had never been offered such financial facility from the traditional banking sector.
The
disbursement of the huge soft loan to sharecroppers will begin next month, bringing in a large number of people under the
necessary banking services for the first time in the country's history.
Thousands of farmers will also start getting
easy loan in October from the country's highest ever allocation of Taka 11,500 crore to revamp agri- sector aimed at achieving
food security.
But still, Dr Atiur feels the necessity for certain rules and regulations for ensuring banking services
to the poor people, who in fact, represent the majority of the population.
Dr Atiur apparently advocated precise
policy measures to ensure poor people's access to the basic financial services. He referred to the existing rules and regulations
in the United States and the United Kingdom to strengthen his gesture.
"Basic financial services including
deposit, payments and credit services are recognised as entitlements of all citizens; particularly in advanced economies [US
has a federal law prohibiting discrimination by banks against lower income neighbourhoods, and some state laws requiring banks
to offer basic accounts for low cost banking services, UK have government programmes promoting financial inclusion], the governor
noted.
Bangladesh
Bank Governor Dr Atiur Rahman
has gone few steps forward on his endeavour to make banking sector more pro-poor as he highly criticised the country's banks
and financial institutions for their lukewarm approach to the poorer section of the society. The governor in his keynote speech at a seminar, held in the Kenya's capital Nairobi last week, shared his views
on the 'banking for poor issue' with a distinguished global audience when he admitted that his own country was lagging behind
in providing poorer people with basic banking and financial services.
Dr Atiur, chief
of the country's banking and financial sector's watchdog, said the banks and other financial institutions in Bangladesh had
been depriving poor people of basic financial services, keeping them trapped in a poverty cycle.
"Despite
substantial bank branch expansion and emergence of micro-finance institutions, scant access to basic financial services still
remains a deprivation suffered by large segments of the poorer rural and urban population in Bangladesh, more hurtful than
other deprivations in restricting opportunities of freeing themselves from the poverty trap", he observed.
He found that the expansion of rural branches of banks and promotion of co-operative societies benefited
only the better off rural elite, when the broad masses of illiterate, innumerate rural poor remained out of financial services.
"The co-operatives tended to fall prey to 'elite capture' by powerful local groups
uninterested in diluting control by enrolling poorer masses in large numbers. Rural branches of banks focused mainly on crop
loans to farmers, their lending models were not geared towards reaching out to the poorer landless illiterate unable to handle
the paperwork involved in bank borrowing," said Dr Atiur.
The governor, however, cited
the Grameen Bank's micro-finance as a tool in extending credit services to the rural poor, but he said the financial coverage
was still incomplete, with gaps both at the lowest end and at some patches up the income ladder.
Dr
Atiur, who has already initiated a vigorous approach to make banking services available to the deprived people, said financial
inclusion of the important segment of the society would result in more equitable economic growth.
The central bank, under his leadership, has already allocated Taka 11,500 crore for farm sector and another Taka
500 crore for the sharecroppers, who had never been offered such financial facility from the traditional banking sector.
The disbursement of the huge soft loan to sharecroppers will begin next month, bringing in a large
number of people under the necessary banking services for the first time in the country's history.
Thousands of farmers will also start getting easy loan in October from the country's highest ever allocation of
Taka 11,500 crore to revamp agri- sector aimed at achieving food security.
But still, Dr
Atiur feels the necessity for certain rules and regulations for ensuring banking services to the poor people, who in fact,
represent the majority of the population.
Dr Atiur apparently advocated precise policy
measures to ensure poor people's access to the basic financial services. He referred to the existing rules and regulations
in the United States and the United Kingdom to strengthen his gesture.
"Basic financial
services including deposit, payments and credit services are recognised as entitlements of all citizens; particularly in advanced
economies [US has a federal law prohibiting discrimination by banks against lower income neighbourhoods, and some state laws
requiring banks to offer basic accounts for low cost banking services, UK have government programmes promoting financial inclusion],
the governor noted.Article cited from: http://nation.ittefaq.com/issues/2009/09/20/news0805.htm
I know that on Yunus British Council day in London in July you introduced
Dr Yunus to part of the homeless world cup team
Here are various snippets of news about fifa etc I have heard;
dont know if they connect but thought it was worth logging them in one place
1 FIFA commitments announced last
week
Football
for Hope - 20 Centres for 2010 in Africa (note in margin-can kenya opening be celebrated at microcreditsummit 2010)
Commitment by: Fédération
Internationale de Football Association
Focus Area: Education
Introduction:Over
the next five years, and as part of the Official Campaign and social legacy of the 2010 FIFA World Cup, FIFA is committing
$9 million to create 20 community centers throughout Africa (the Football for Hope Centres). These centres will address social
challenges the communities face, including providing public health and education facilities and football-based development
programmes.
streetfootballworld Architecture for Humanity Greenfields Grassroot Soccer South Africa Mathare Youth
Sports Association Kenya Special Olymipics Namibia Association Malienne pour la Jeune Femme et la
Femme Esperance Rwanda Play Soccer Ghana Football for Hope Adidas AG Emirates Hyundai Motor
Company Sony Corporation Visa Inc. Comic Relief Jacob's Foundation SolarWorld Swiss Academy
for Development Architecture for Humanity
2 FIFA with visa commit to teach 20 million financial literacy with new web
based game financial football http://www.financialfootball.com/
=====
Saskia and Hans of grameen creative lab http://www.grameencl.com told sofia http://londoncreativelabs.com and me when we visited them in wiesbaden that dr yunus made a video to fifa in july while giving the mandela birthday
lecture asking that s.africa world cup 2010 co-celebrated african's race to end poverty. Moreover Adidas is one of the
GlobalGrameen celebration partners in berlin in November and are
It is my understanding that asking global brand
ceos to get sports organisers like fifa and olympics to celebrate 2010s joy of life & millennium goals decade
will be part of dr yunus continuous summits with global brand ceos starting in berlin in november. The London Olympics
having already promised to be the sustainability olympics is something that I expect UK sustainability and yunus
fans eg sofia and paul rose www.paulrose.orghttp://news.bbc.co.uk/2/hi/science/nature/8130130.stm to be connecting ideas round. In fact since 2004 some of my friends have been building momentim towards demanding
the bbc give equal share of voice to sustainability issues as it does to sports or expect a licence fee revolt. Of course
there are many ways to try and econourage the positive side by 2012, but the BBC has been appalingly late to question system
collapsing issues from the people's side in the way that the world's largest social business broadcaster ought to do.
COMMUNICATIONS:THE
SYSTEM CHALLENGE OF INTEGRATING GLOBAL LOCALLY
As globalisation spun out of the last quarter of the
20th century, the global brand became the most powerful mediator of our lives and times. Like any power, this can
be governed to good or bad ends. In terms of integrating quality of productivities and demanding relationships, these system
qualities - and compound consequences - involve how we humanly invest in valuing transparency, sustainability exponentials
and joy of serving hi-trust purpose.
Research on risk has consistently proven that the natural
state of the world’s largest humanrelationship systems is to degrade unless proactive leadership
focuses on detecting any human conflicts that enter into such systems and seeing innovation as an instrument that relentlessly
resolves such conflicts before they spread.
Those global brand ceos who join in
benchmarking global social business system opportunities will be involved in celebrating such dynamics as
1)extreme
innovation partnerships,
2)co-branding celebrations of the most meaningful world stages ever promoted,
3)ecological sustainability and
4)workforce sustainability.
Trust in World Class Brands
(published consensus of marketing leadership in 1988)
The World Class Brand is a natural resource for corporations
faced with trends towards unification in the business world. For better of for worse, and both kinds of social impact are
likely, the world class brand is a logical reflection of the fact that the companies which win at marketing are those which
see ahead of the competition. Today as the world’s most costly communications strategies are being planned, many of
the conventional rules of branding need reappraisal.
The Mediator of Out Times
A World Class Brand has mutual responsibilities as a
corporate ambassador and a consumable possession. As a communication vehicle of a company , a brand aims to establish a balance
between two kinds of impression: the value of its offer (that is, making that next sale) and the quality of its credentials
(that is advancing the reputationfor the company among such varied audiences as shareholders, employees
, customers, suppliers, government and society)
2010s NOBEL SEARCH FOR SOCIAL BUSINESS
BRAND LEADERSHIP- Millennium Goal Do Nows
The mathematical reason and confidences that brand
CEO leaders can look forward to enjoying by sharing benchmarking pursuits of hi-trust media in 2010s may sound paradoxical
at first blush.
Just as globalisation out of developed nations
was starting to compound fallible macro designs which need urgent reappraisal wherever they have included some dismally uneconomic
practices such as junk bonds, CDOs and toxically packaged sub-prime assets, what was the world’s poorest of 203 nations,
Bangladesh, started to entrepreneurially invest more and more in micro up system testing of the unique system design qualities
now known as social business.
In other words, Big Bang and Micro Bangla
map opposite leadership journeys for the futures of our human race which The Economist’s Entrepreneurial Revolution
survey of the 1976 had mapped as the human choice between the compound threats of macroeconomics and the compound opportunities
of microeconomics. Dr Yunus has crystallized the valuation choice involved in the simplest of branding terms. Does our networking
generation, the peoples whose working lifetimes are spent on our planet between 1976 and 2025, wish to make its unique contribution
that of uniting the human race to end poverty?
Let us look at the first 4 global social business brand
benchmarking opportunities in a bit more detail.
Extreme Innovation Partnerships
Dr
Yunus’ model of extreme innovation partnerships explores what “Yes We Can” connect when you marry one of
the world’s most resourced organization in partnership with one of the grassroots networks serving and sustaining most
life critical needs. So far the impacts of his global social business innovations have been as remarkable for human progress
as anything brand reporters may encounter.
I doubt if any banker has been asked as often as Dr Yunus
why did you get into banking. Being a mathematician, I believe this is one of the most interesting questions economists or
journalists may ever get the chance to ask let alone invite continuous debates on. His answer is consistent: to help end
poverty - which in the case of the 4 people who founded Grameen from 1976 soon became empowering the world’s poorest
(and culturally abused)women to gain the respect of being income generating and to invest their savings
in entrepreneurial solutions geared to their lifelong communal wish: to see a better life for their children.
Knowing this about Dr Yunus turns out to be critical to world class branding with him, as does knowing how almost
the second thing Grameen microcredit got involved with as a sustainability investment bank was to become Bangladesh’s
largest retailer of vegetable seeds!
How?-Why!-What? ... because in the early days of Grameen Bank,
Dr Yunus wasn’t permitted by local cultures to talk to prospective female customers at their doorsteps and had to wait
out in the centre of the village while his female bank staff went door to door. In Bangladeshi villages, hoards of children,
with the biggest smiles I have ever seen, mob visitors. Soon Dr Yunus noticed a sad reality. Most of these children were night
blind. Asking his medical fiends at Chittagong university why this was, he was told that this was the consequence of nutritional
deficiencies in village children’s diets. Deficiencies of diet and eye sight could largely be alleviated if Grameen’s
members started cultivating carrots.
Knowing this, it cannot surprise anyone interested in branding
or in human nature – be they of social or economic expertise – what happened quickly once the first extreme partnership
of global brands Grameen Danone was launched.Systemised around social business’ microeconomics the
new product – innovation of the lowest cost fortified yogurts to improve Bangladeshi childrens diets- became dr yunus’
favourite story to tell as he traveled round the world speaking at leadership conferences. These celebrations on the world
stage include kings and queens and presidents, Nobel laureates of economical and peaceful kinds, as well as social and business
networks of young entrepreneurial people everywhere who vote Dr Yunus one of the most trusted –and cheerfully good fun
- leaders of our age. And in economic terms of free markets, this means that Danone achieves at least 10
times more for its marketing buck than any other global media player has previously imagined possible.
Partnering in Globally Sustainable Free Markets Opening
Beyond categories
In March of 2009 Microcapital reported on a project, called the Grameen-CPAD-Danone Micro-Credit Initiative,
to bring micro credit to the victims of the Sichuan earthquake that devastated the province in southwest China as well as to impoverished people of the Inner Mongolia Autonomous Region and the HebbeiProvince [1]. The project is a joint operation between Grameen Trust [2], which aims to support microfinance
activities around the world, Danone [3], the world’s biggest producer of fresh dairy products, and The Group Office
of Poverty Alleviation and Development (CPAD) [4], which implements policies and projects for economic development in poor
areas of China. Danone funded the initiative by providing a donation of USD 2.9 million, according to an
article in China Daily, while Grameen Trust has provide technical assistance and CPAD has provided policy guidance [4,5].
In addition to these groups, the China Foundation for Poverty Alleviation (CFPA), whose goals is poverty reduction through
various means, has been implementing the project on the ground [5,6].
But world class brands (as coined in 1988) insist on being judged by the system reality of
economics of communal relationships, not perceptions alone. So it is in some ways an even greater celebration that the second
world class social business branding partnership Grameen Veolia is now offering safe drinking water at an estimated 80 times
lower price than has ever been commercially sustained before. Now when the 2010s publishes (I hope) the Bermuda & Bacardi’s
book of world records, it may be that the official judges record 80 as 70.1 or 89.9 but what nobody need question ever again
is that social business partnerships can innovate order of magnitude more economical systems. As we will see in a later chapter,
this is also what the core controversy of microcredit is about – design a bank conscientiously to invest in income generation
of and by the poorest – and so that the poorest get all the compound gains of their work over generations – and
in our mobile age, ten to 100 times more economical banking for main street or local village people is possible. (And that
quantification of social impact doesn’t include temporarily turn of the decade blips like microcredit being million
times more economical than the Americans one where 20 trillion dollars has so far been wasted on those who would turn the
biggest banks into places that make Donald Trumps’ casinos look like sideshows.)
Co-Branding the greatest stages of Joy of Life Decade 2010s
Dr Yunus
proposes – as far as I know all who support millennium goals second – that the 2010s be the Joy of Life Decade.
How is that?
Well, accidentally, a few years ago London jumped the gun when some politician declared that
2012 would be the sustainability Olympics. Since that time the great and the good have started to wake up –and bring
out 2.1 action plans of their african commissions and climate crisis reports. Lord Sainsbury’s elder daughter, with
a bit of royal support from Prince Charles has developed the worldwide prize network http://ashdenawards.orgfor micro energy. This is also a medium through which young
people can enjoy sharing the good news that the bank for the poor already installs more solar units than the whole of the
USA. Imagine what sustainability investment can do when its interests represent the silent majorities of people. The British
council has started a youth climate champion network and ministers Miliband and Alexander have made personal trips to Dhaka
celebrating its share of voice in climate crisis solutions and right to me mapped as world epicenter of sustainability. BBC’s
ocean and nature broadcasters have started blogging on Bangladesh’s unique innovative sustainability solutions http://news.bbc.co.uk/2/hi/science/nature/8130130.stm. Citizens forums www.yunusforum.netwww.londoncreativelabs.comspun off from 69th birthday dialogue with Dr Yunus
in Dhaka and the opening of www.yunuscenre.org are planting the seeds to make it impossible to come to london for sporting reasons
in 2012 and not to return with the bonus gift of sustainability joy.
Of course, the last thing Londoners
want is exclusivity in Europe on sustainability joy. We welcome the royal hunt of the son proposed by Prince Albert’s
sustainability and social business foundation in Monaco, and expect that Queen Sofia’s lifelong commitment to microcredit
will connect up with microenergy both as she officially celebrates Spain as the world microcreditsummit hosts in 2011 and
by already signing a knowledge exchange agreement between Spanish speaking southern hemispheres and African ones - due to
celebrate the 2010 microcreditsummit in Kenya at the time of the first 2000-family ecovillage in Africa to have been built
by social business partners.Kenya thanks to http://jamiibora.orgis also the epicentre of the world’s first mobile slum-youth
microcredit – an African invention which may one day be as joyous to celebrate as Bangladesh’s women’s sustainability
investment banking.
Connect these sorts of dots together and good news networkers can map how Dhaka as centre
ofgravity for a sustainable world has already lit an Olympics torch relay to London 2012 through Europe
and via both of the most populous southern hemisphere continents. To give the Joy of Life decade another kick start, in the
summer of 2009 Dr Yunus made a video asking FIFA if it would be possible for South Africa’s soccer World Cup in 2010
to celebrate millennium goals as well as football. Mandela, whose birthday lecture Dr Yunus was giving, beamed magnanimously.
Would it be over-optimism to expect FIFA to play ball? Well, please note two months after the Mandela talk at New York’s
Clinton Global Initiative, FIFA and VISA were seen to announce the commitment to educate 20m million in financial literacy
through an online video game called financial football.
All this goes to show that global media co-branded events can realise
human truths (or at least empower inter-cultural inspirations for the greater good) and not deal in nagging messages and self-gratification’s
images. Media is the defining change of globalisation – both in its 20th century mass forms and its new interactive
forms. If sustainability is to be our human race’s purpose, then we urgently need to blend the best of both of these
powerful system determinants, not the worst of each.There is a lot of innovation for global grameen brand
CEO club to benchmark in changing media and to celebrate that day ofgreat joy when every child is born
free to make the most of a productive life. Please be clear, this is a human collaboration crisis not one caused by nature.
Our planet has more than enough abundance of resources for 7 billion people to compound 10 times more health and wealth. Back
in 1984 my father and I estimated that the scale of the globalisation of media crisis involved the threat
and the opportunity of compounding 10 times less or morehealth and wealth between 1984-2024. Nothing
I can see today changes this estimate of the scale of what’s’ exponentially at play, but compared with our scenarios
and timelines we are leaving it terrifyingly late to get back on track. Unless worldwide peoples make 2010s the joy of life
decade, we will have crashed into George Orwell’s Big Brother world whose end game is perhaps one billion free people
or perhaps extinction of our species by century 22.
..
Please tell me if you want to be one of my collaboration associates in championing dhaka as sustainability
investment epicentre of microeconomics world
Where
do transparent system maps of social impacts of [Entrepreneuri] begin?
The whole guide is open source - tell us if you co-create a download
point
-76 is both when [grameen] started to change humanity out of in bangladesh, and locally when I started what led me to be one
of the world's [deepest] mapmaker of media models and when dad started open spacing his entrepreneneurial revolution trilogy at The Economist whose hi-trust maps revealed how sustainability of globalisation would depend on economics
being transformed above zero-sum
Email: chris.macrae @yahoo.co.uk
Phone:
(usa +1) 301 881 1655
301 881 1655 (USA) ; locations Bethesda near washington dc when I'm not hubbing in London, Delhi, Glasgow, Paris, Wiesbaden, New York, Tokyo and Dhaka 12
About Norman Macrae
Main editorial writer of The Economist's system change world stories 1950-1989 : Chris' dad & his 85th birthday celebration of peer to peer networks in 2008 inmcluded Muhammad Yunus and 30
supporters of entrepreneurial revolution
Our main transparency co-workers
[mostofa zaman] authorised citizen and youth forum host of dr muhammad yunus
[Sofia Bustamante ] (worldwide conflict resolution facilitator and supporter of dr yunus social business models- facilitator
dr yunus 69th birthday dialogues in dhaka
Business journalist: Alan Mitchell co-authoring - the missing
hi-trust audit map without which the world's 1000 largest organsaitional systems will always compound the world's least sustainable
investments
Wiesbaden [saskia bruysten] one of dr yunus' global brand partnership project leaders
Paris
vivian norris de montaigue - film producer ofthe billion person blockbsuter to be: YunusMovie
Glasgow
Zasheem - opinion connector of 3 Glasgow universities supporting Dr Yunus projects from nursing education to Grameen bank
in Glasgow
Princeton [sam daley-harris] help sam make kenmya's microcredit summit april 2010 best ever; and get congress to elect yunus for
congressional medal of honor; and to get nobel to nominate Ingrid Munro] for Nobel Prize
East-West peace : M Sadria, and M.Benomran
Omagine
New York - Youth Ambassador - Alexis Sumsion
New York Peter Burgess- you can help fund (or add nominated local communities to) the grassroots teams that
integrate them for ..[malaria]..[children]...
Person I would most like to know a bit more - [fazle Abed]
The folowing is an incomplete comtacts lists -please help us improve it. Linked means appears to have an ongoing association
or more; known means has personally met Dr Yunus and exchanged important perspectives. Valuetrue nominations include
people that valuetrue editors have personally visited and who we believe unerstand 2010s to be a critical decade in transforming
globalsiation system crises. We are less uptodate with these peopel's progress than those above stated as transprarency
co-workers. If you want to be intoroduced t poarticular people please send me an email to chris.macrae@ yahoo.co.uk in
a form that I can relay so they can choose response.
Michael Milken - co-interviewees on charlie rose; panel discussant at Milken annual conference; both deeply concerned
about heathcare economics
Rick Wartzman, Drucker Institute, Claremont Uni- LA interviewer of Dr Yunus on nationwide
booktalk tour jan 2008
Jeff Skoll and Larry Brilliant - Crisis films- Dr Yunus keynoted at first 3 social entrepreneur
world championships in oxford but has subsequently wanted to different social business model
Journalist - Alan Webber,
SF
ValueTrue Nominations
Melanie St James LA www.empowermentworks.org -convenor of world summit in san francisco but LA based; also Kenya world social forum connector, distributor of 150
of 10000 dvds of www.yunus10000.com
Nomi Prins www.nomiprins.com LA whistelblower (ex Goldman Sachs) 20 Trillion Dollar bailouts, Demos (NY) fellow
Philippa Burgess, talent spotter
emerging scriptwriters; Yes We Can facilitator
Microloanfoundation - Peter Ryan and david Rice uses development of malawi's biggest microcredit as lab for boston social business students-
close links with MIT enetrpreneur school
BRACUSA fundraises for BRAC's extensions outside of Bangladesh -led by susan
davis, new jersey
In trying to make human communal sense out of the baliout we like
epi (DC), demos (NY & DC) and AFR Heather Booth DC
Among practitioners trying to help global brand leaders transform back to sustainability: vivaldipartners, Erich J NY
Greatest CEO effort for sustainability - Ray Anderson Interface, Atlanta
South America
Yunus Linked
Mexico - carlos slim foundation microcredit
Colombia
-social business free zones
Special mention - Queen Sofia in Spain is actively involved in championing exchnage of microcredit
knowledge between Spanish speaking southern hemispher countries and Africa. The next 2 microcreditsummits aim to be the best for community up sustainability ever - kenya april 2010 and madrid 2011 with support of Queen Sofia
Glasgow ie zasheem who both mostofa and I know quite well; Glasgow interests including sharing their nursing teachers
with bangladesh something zasheem has organised and which yunus made big news of at clinton global; the vice chancellor has
put her name to a glasgow grameen bank for 3 generations of unemployed- this has hot national headlines as currently the main
thing blocking it is the law- do people as soon as they take microcredit stop being eligible for welfare?; zasheem also wants
to catalogue social businesses as a yunus centre but yunus seems to be saying he can do that unoficially unless he can get
someone to sponsor a chair on that; zasheem also has all my father's books on how economists elder generation serially
destroy question next generation of economists need to ask; zasheem is also a connector of homeless world cup (football
being one of the world stages yunus is asking all brand ceos to connect rounmd ending poverty); and there are links with sir
tom hunter - before the recent finacial troubles the UK's richest philantropist ; I understand that 3 of glasgow's 4 universities
are now loosely collaborating around all or parts of above
California State Channel Islands Uni which is
opening California Institute of Social Business in February 2010 - Julia who leads this is ex Grameen Foundation, and
says she will happily debrief us on where she is at Berlin
Berlin Free University - which as far as I understand has
the same personality Hans leading it as hosting the overalll berlin brand ceo conference- I will see if I can google
any more on this but it will be most helpful if sofia can use her german lingusitic talents to go far deeper than I can get
in understanding this group
HEC paris which was the first SMBA- they have published something that doesnt inspire me
(say if you want me to send copy) of their first year's produce a lot - however paris remains the leading epicentre
of global brand partnerships with yunus so one assumes they will eventually get thise business cases fully written up
Below
Mostofa suggests there is news emerging of Kyushu in japan; the 6th university known to be attending is rikkyo japan; http://english.rikkyo.ac.jp/news/2009/03/4691/ (japan interests me both because I worked there for 2 years in 80s and my father was awarded emperor's medal because
japan liked my father's view of microeconomics more than any other country)
this leaves the other announced yunus partners
that havent signalled they are coming to berlin
Kobe University
Yunus Centre, AIT, Thailand -when this opened
about 2 months ago it hit national headlines and of all the partners may be the one that does deepest end poverty resarch
from developing country perspective; its remit is formally described here http://www.muhammadyunus.org/Events/yunus-centre-ait-launched/
fans of bangladesh social business model -which I call sustainability world's greatest invention www.worldclassbrands.tv and seems to be a bangladeshi national property right almost since birth of this new nation in the 1970s - though
most brilliantly invested in on behalf of the poorest for a third of a century and marketed by Dr Yunus and
Fazle Abed under slightly different brand names also have the paradox/conflict to navigate that while dr yunus
is the globally known pesron most able to invite partnerships, brac has a 7 year old full functiong university with full
curriculum on it development and allied approaches- mostofa and I each have copies of the 300 page overview of curiculum book
which also includes its partner unis