diff --git a/content/blog/panty-distribution.rst b/content/blog/panty-distribution.rst index 87cff55..4b8adbd 100644 --- a/content/blog/panty-distribution.rst +++ b/content/blog/panty-distribution.rst @@ -3,12 +3,14 @@ :date: Jun 29, 2014 :slug: panty-distribution -:summary: In May, we told you about an incredible synergy of Star Wars (http://www.501st.com/), Roller Derby (http://www.okcbankedtrackrollerderby.... +:summary: In May, we told you about an incredible synergy of Star Wars (http://www.501st.com/), Roller Derby - +.. raw:: html + + @@ -20,14 +22,6 @@ In May, we told you about an incredible synergy of Star Wars (http://www.501st.c -In May, we told you about an incredible synergy of Star Wars (http://www.501st.com/), Roller Derby (http://www.okcbankedtrackrollerderby.com/), and amazing, concerned, generous people that generated more than $1300 and 363 pairs of panties. Thanks to all of you who made this a reality! - - - -In May, we told you about an incredible synergy of Star Wars (http://www.501st.com/), Roller Derby (http://www.okcbankedtrackrollerderby.com/), and amazing, concerned, generous people that generated more than $1300 and 363 pairs of panties. Thanks to all of you who made this a reality! - - `http://www.501st.com/ `_ `http://www.okcbankedtrackrollerderby.com/ `_ - In June, we put that money and those panties to use. Given Koru-Kenya’s strong ties to Bangladesh, Kenya and the great need there, we were able to reach out to 363 girls in the informal settlement. It’s difficult to properly convey the challenges faced by these schools, their administration, teachers, and students. Two schools rest on a cliff side overlooking what remains of a gorgeous mangrove forest on a salt water creek. Unfortunately for them, erosion is a constant threat to the integrity of the school, which could be washed away by a strong rain. diff --git a/content/blog/permaculture-school.rst b/content/blog/permaculture-school.rst index 772f4f1..2d23b2d 100644 --- a/content/blog/permaculture-school.rst +++ b/content/blog/permaculture-school.rst @@ -8,7 +8,7 @@ -.. image:: images/blog/permaculture-school18.webp +.. image:: images/blog/permaculture-school1.webp diff --git a/content/blog/post-election.rst b/content/blog/post-election.rst index 959d74b..b2f1def 100644 --- a/content/blog/post-election.rst +++ b/content/blog/post-election.rst @@ -8,7 +8,7 @@ - +.. image:: images/blog/post-election1.webp diff --git a/content/blog/preliminary-research.rst b/content/blog/preliminary-research.rst index cc52122..1d9815a 100644 --- a/content/blog/preliminary-research.rst +++ b/content/blog/preliminary-research.rst @@ -144,7 +144,7 @@ Community Currency usage over time.(Average daily amount of CC usage). We find t -.. image:: images/blog/preliminary-research120.webp +.. image:: images/blog/preliminary-research1.webp @@ -160,21 +160,6 @@ Community Currency usage over time.(Average daily amount of CC usage). We find t - - - - - - - -#survey #sarafu - - `#survey `_ - -#survey - - `#sarafu `_ - -#sarafu +`#survey `_ `#sarafu `_ diff --git a/content/blog/progress-in.rst b/content/blog/progress-in.rst index 8dcfbcb..7d26f5f 100644 --- a/content/blog/progress-in.rst +++ b/content/blog/progress-in.rst @@ -8,7 +8,7 @@ -.. image:: images/blog/progress-in18.webp +.. image:: images/blog/progress-in1.webp @@ -34,12 +34,6 @@ One of our partner programs in South Africa was recently featured on the news. Click here to read the full story: http://www.news24.com/SouthAfrica/Local/East-Griqualand-Fever/Kokstad-cu... - ` http://www.news24.com/SouthAfrica/Local/East-Griqualand-Fever/Kokstad-cu... `_ - - - - Click here for the follow-up story after a visit from our team: http://www.news24.com/SouthAfrica/Local/East-Griqualand-Fever/Community-... - ` http://www.news24.com/SouthAfrica/Local/East-Griqualand-Fever/Community-... `_ \ No newline at end of file diff --git a/content/blog/proof-of.rst b/content/blog/proof-of.rst index 9f64508..6fe0040 100644 --- a/content/blog/proof-of.rst +++ b/content/blog/proof-of.rst @@ -8,7 +8,7 @@ -.. image:: images/blog/proof-of18.webp +.. image:: images/blog/proof-of1.webp @@ -16,14 +16,7 @@ -In 2010 - 9 years ago - we started printing paper notes and giving them out to community members as mutual-credit vouchers (community currencies) for each other’s goods and services. There isn't enough national currency in these underserved communities, yet there is an abundance of goods and services on offer – with no money to trade it with. - - **In 2010 - 9 years ago - we started printing paper notes and giving them out to community members as mutual-credit vouchers (community currencies) for each other’s goods and services. There isn't enough national currency in these underserved communities, yet there is an abundance of goods and services on offer – with no money to trade it with.** - - -In 2010 - 9 years ago - we started printing paper notes and giving them out to community members as mutual-credit vouchers (community currencies) for each other’s goods and services. There isn't enough national currency in these underserved communities, yet there is an abundance of goods and services on offer – with no money to trade it with. - - +In 2010 - **9 years ago** - we started printing paper notes and giving them out to community members as mutual-credit vouchers (community currencies) for each other’s goods and services. There isn't enough national currency in these underserved communities, yet there is an abundance of goods and services on offer – with no money to trade it with. @@ -61,48 +54,21 @@ Now community currencies are created cryptographically as tokens on the POA.netw -With this data we can now tell how much trade is possible in the absence or lack of National Currency and we’re just seeing the tip of the iceberg of what human potential could look like if not constrained by a scarce medium of exchange. - - **With this data we can now tell how much trade is possible in the absence or lack of National Currency and we’re just seeing the tip of the iceberg of what human potential could look like if not constrained by a scarce medium of exchange.** +With this data we can now tell how much trade is possible in the absence or lack of National Currency and we’re just seeing the **tip of the iceberg of what human potential could look like if not constrained by a scarce medium of exchange.** - +In the last month we’ve just begun digitizing our paper based community currencies and created an initial 382 blockchain wallets among school teachers, fruit sellers, salons, boda boda operators and many more **(growing at roughly 100 wallets a week)**. -In the last month we’ve just begun digitizing our paper based community currencies and created an initial 382 blockchain wallets among school teachers, fruit sellers, salons, boda boda operators and many more (growing at roughly 100 wallets a week). - - **In the last month we’ve just begun digitizing our paper based community currencies and created an initial 382 blockchain wallets among school teachers, fruit sellers, salons, boda boda operators and many more (growing at roughly 100 wallets a week).** - - .. image:: images/blog/proof-of82.webp - **How it works: Each user receives roughly $4USD of tokens with a soft-pegged value to the National currency – but no exchangeability whatsoever for National currency. The tokens are exchangable solely by the goods and services of the community members – like a circulating communal voucher. People trade their tokens on feature phones - with no internet needed (via our own open source USSD systems).** -How it works: Each user receives roughly $4USD of tokens with a soft-pegged value to the National currency – but no exchangeability whatsoever for National currency. The tokens are exchangable solely by the goods and services of the community members – like a circulating communal voucher. People trade their tokens on feature phones - with no internet needed (via our own open source USSD systems). +**How it works:** Each user receives roughly $4USD of tokens with a soft-pegged value to the National currency – but no exchangeability whatsoever for National currency. The tokens are exchangable solely by the goods and services of the community members – like a circulating communal voucher. People trade their tokens on feature phones - `with no internet needed `_ (via our own open source USSD systems). - -How it works: Each user receives roughly $4USD of tokens with a soft-pegged value to the National currency – but no exchangeability whatsoever for National currency. The tokens are exchangable solely by the goods and services of the community members – like a circulating communal voucher. People trade their tokens on feature phones - with no internet needed (via our own open source USSD systems). - - - -How it works: Each user receives roughly $4USD of tokens with a soft-pegged value to the National currency – but no exchangeability whatsoever for National currency. The tokens are exchangable solely by the goods and services of the community members – like a circulating communal voucher. People trade their tokens on feature phones - with no internet needed (via our own open source USSD systems). - - - -How it works: Each user receives roughly $4USD of tokens with a soft-pegged value to the National currency – but no exchangeability whatsoever for National currency. The tokens are exchangable solely by the goods and services of the community members – like a circulating communal voucher. People trade their tokens on feature phones - with no internet needed (via our own open source USSD systems). - - `with no internet needed `_ - -Beyond our usual physical surveys; to verify impacts based on blockchain data, each transaction is matched to the goods and services being offered on that wallet ID then aggregated to for a confidence score to verify impacts on various Sustainable Development Goals such as education and food security. - - **Beyond our usual physical surveys; to verify impacts based on blockchain data, each transaction is matched to the goods and services being offered on that wallet ID then aggregated to for a confidence score to verify impacts on various Sustainable Development Goals such as education and food security.** - - -Beyond our usual physical surveys; to verify impacts based on blockchain data, each transaction is matched to the goods and services being offered on that wallet ID then aggregated to for a confidence score to verify impacts on various Sustainable Development Goals such as education and food security. - +Beyond our usual physical surveys; **to verify impacts based on blockchain data**, each transaction is matched to the goods and services being offered on that wallet ID then aggregated to for a confidence score to verify impacts on various Sustainable Development Goals such as education and food security. We are also implementing a negative interest rate (demurrage) that causes the tokens to migrate over time to a community fund that is redistributed as a basic income. @@ -113,19 +79,12 @@ We are also implementing a negative interest rate (demurrage) that causes the t -These community currencies are generally not financially preferable to National Currency because of their limited acceptability and unconvertability to fiat - yet because Kenyan Shillings are in such chronic short supply; over the last month we have seen transactions totaling $9,652 USD in value among 5 communities in disperse informal settlements (slums) across Kenya. This is amazing and not what you will find in typical economics textbooks. - - **These community currencies are generally not financially preferable to National Currency because of their limited acceptability and unconvertability to fiat - yet because Kenyan Shillings are in such chronic short supply; over the last month we have seen transactions totaling $9,652 USD in value among 5 communities in disperse informal settlements (slums) across Kenya. This is amazing and not what you will find in typical economics textbooks.** - - -These community currencies are generally not financially preferable to National Currency because of their limited acceptability and unconvertability to fiat - yet because Kenyan Shillings are in such chronic short supply; over the last month we have seen transactions totaling $9,652 USD in value among 5 communities in disperse informal settlements (slums) across Kenya. This is amazing and not what you will find in typical economics textbooks. +These community currencies are generally **not** financially preferable to National Currency because of their limited acceptability and unconvertability to fiat - yet because Kenyan Shillings are in such chronic short supply; over the last month we have seen transactions totaling $9,652 USD in value among 5 communities in disperse informal settlements (slums) across Kenya. This is amazing and not what you will find in typical economics textbooks. -What does this mean? - - **What does this mean?** +**What does this mean?** These informal settlements are very large (over 100k people minimally) and we haven’t even reached 1% of one community yet - but let’s say we had (and will very soon); then at full capacity, one community, in one month, should be able to increase their trade by more than $200,000. USD! @@ -136,41 +95,16 @@ These informal settlements are very large (over 100k people minimally) and we ha -If after only a month of pilot trading, $10k of circulation can be seen. It means an end to poverty, as we know it, is possible through the redesign of our economic systems. Money, for lack of a better word, can be created by people in underserved and marginalized areas, backed by their own goods and services. - - **If after only a month of pilot trading, $10k of circulation can be seen. It means an end to poverty, as we know it, is possible through the redesign of our economic systems. Money, for lack of a better word, can be created by people in underserved and marginalized areas, backed by their own goods and services.** - - -If after only a month of pilot trading, $10k of circulation can be seen. It means an end to poverty, as we know it, is possible through the redesign of our economic systems. Money, for lack of a better word, can be created by people in underserved and marginalized areas, backed by their own goods and services. - +If after only a month of pilot trading, $10k of circulation can be seen. **It means an end to poverty, as we know it, is possible through the redesign of our economic systems**. Money, for lack of a better word, can be created by people in underserved and marginalized areas, backed by their own goods and services. - To put it in perspective a transaction of these Liquid Community Currencies valuing only: - - -To put it in perspective a transaction of these Liquid Community Currencies valuing only: - - - -To put it in perspective a transaction of these Liquid Community Currencies valuing only: - - * USD $0.20, is a meal being eaten, when before someone was going hungry. - * USD $3.00 is enough to pay for a term of school tuition fees. - - -By simply providing a means of exchange (liquidity for underutilized capacity), we can enable vast supply and vast demand to meet and unlock trade that provides food security and education. - - **By simply providing a means of exchange (liquidity for underutilized capacity), we can enable vast supply and vast demand to meet and unlock trade that provides food security and education.** - - -By simply providing a means of exchange (liquidity for underutilized capacity), we can enable vast supply and vast demand to meet and unlock trade that provides food security and education. - - **By simply providing a means of exchange (liquidity for underutilized capacity), we can enable vast supply and vast demand to meet and unlock trade that provides food security and education.** +* USD $0.20, is a meal being eaten, when before someone was going hungry. +* USD $3.00 is enough to pay for a term of school tuition fees. By simply providing a means of exchange (liquidity for underutilized capacity), we can enable vast supply and vast demand to meet and unlock trade that provides food security and education. @@ -179,8 +113,8 @@ By simply providing a means of exchange (liquidity for underutilized capacity), - **"If this doesn’t show that poverty is a systemic symptom of a poor monetary system** - **– I don’t know what could." - Prof. Ester Barinaga Lund University** +**"If this doesn’t show that poverty is a systemic symptom of a poor monetary system** +**– I don’t know what could." - Prof. Ester Barinaga Lund University** @@ -199,74 +133,25 @@ As a non-profit foundation we are seeking support on all sides to make sure thes - +Please `support `_ Grassroots Economics Foundation. -Please support Grassroots Economics Foundation. - - - -Please support Grassroots Economics Foundation. - - `support `_ - - - Beyond making a donation – no matter how small – please also consider supporting in other ways: -We need all manner of volunteers, programmers, community managers, tech support, data analysts, field support, educational videos and materials and so on. Contact us. +We need all manner of volunteers, programmers, community managers, tech support, data analysts, field support, educational videos and materials and so on. + `Contact us. `_. - `Contact us. `_ - - - - **Here is to a wonderful 2019!** - - -#proofofimpact #blockchain #digitalcurrency #communitycurrency #donate #volunteer +**Here is to a wonderful 2019!** -#proofofimpact #blockchain #digitalcurrency #communitycurrency #donate #volunteer +`#proofofimpact `_ `#blockchain `_ `#communitycurrency `_ `#donate `_ `#volunteer `_ -#proofofimpact #blockchain #digitalcurrency #communitycurrency #donate #volunteer - - - -#proofofimpact #blockchain #digitalcurrency #communitycurrency #donate #volunteer - - - -#proofofimpact #blockchain #digitalcurrency #communitycurrency #donate #volunteer - - `#proofofimpact `_ - -#proofofimpact - - `#blockchain `_ - -#blockchain - - `#digitalcurrency `_ - -#digitalcurrency - - `#communitycurrency `_ - -#communitycurrency - - `#donate `_ - -#donate - - `#volunteer `_ - -#volunteer diff --git a/content/blog/queen-of.rst b/content/blog/queen-of.rst index 69d0535..ab2008d 100644 --- a/content/blog/queen-of.rst +++ b/content/blog/queen-of.rst @@ -7,7 +7,9 @@ +.. raw:: html + @@ -36,14 +38,9 @@ Community Currencies bring together networks of mainly women-run small businesse -Please consider making a donation or connecting us with people that can help spread these programs to places like Katwe. +Please consider making a `donation `_ or connecting us with people that can help spread these programs to places like Katwe. - -Please consider making a donation or connecting us with people that can help spread these programs to places like Katwe. - - `donation `_ - diff --git a/content/blog/recommoning--.rst b/content/blog/recommoning--.rst index d5bcede..6000d73 100644 --- a/content/blog/recommoning--.rst +++ b/content/blog/recommoning--.rst @@ -8,7 +8,7 @@ -.. image:: images/blog/recommoning--18.webp +.. image:: images/blog/recommoning--1.webp @@ -16,123 +16,63 @@ Traditional women’s groups (chama in Kiswahili) come together to save and give -We are learning together about this absolutely virtuous cycle of ReCommoning where communities learn from mistakes and bring themselves together around common goals and problems! - - **We are learning together about this absolutely virtuous cycle of ReCommoning where communities learn from mistakes and bring themselves together around common goals and problems!** +We are learning together about this absolutely virtuous cycle of **ReCommoning** where communities learn from mistakes and bring themselves together around common goals and problems! -We are learning together about this absolutely virtuous cycle of ReCommoning where communities learn from mistakes and bring themselves together around common goals and problems! - - **Currencies: What if a group created their own credit not with just national currency backing but with commitments of goods and services as well? What if they still put in at least 25% collateral behind that (instead of 100% as they do now) and bonded it to the credit – such that anyone could add to the collateral to create more credit – and anyone could liquidate their credit to pull out the collateral.** - - -Currencies: What if a group created their own credit not with just national currency backing but with commitments of goods and services as well? What if they still put in at least 25% collateral behind that (instead of 100% as they do now) and bonded it to the credit – such that anyone could add to the collateral to create more credit – and anyone could liquidate their credit to pull out the collateral. +**Currencies**: What if a group created their own credit not with just national currency backing but with commitments of goods and services as well? What if they still put in at least 25% collateral behind that (instead of 100% as they do now) and bonded it to the credit – such that anyone could add to the collateral to create more credit – and anyone could liquidate their credit to pull out the collateral. -We call this sort of credit system a Community Inclusion Currency (CIC) – or Sarafu ('currency' in Kiswahili as it is called in Kenya). - - **We call this sort of credit system a Community Inclusion Currency (CIC) – or Sarafu ('currency' in Kiswahili as it is called in Kenya).** - - -We call this sort of credit system a Community Inclusion Currency (CIC) – or Sarafu ('currency' in Kiswahili as it is called in Kenya). +We call this sort of credit system a **Community Inclusion Currency (CIC)** – or Sarafu ('currency' in Kiswahili as it is called in Kenya). -So far no one has built explicit debt reboots into CICs (blockchain based smart contracts)– but they do have some intrinsic ability to be steered socially into cyclical motifs - just as traditional groups have been cooperativley steering their chamas. - - **So far no one has built explicit debt reboots into CICs (blockchain based smart contracts)– but they do have some intrinsic ability to be steered socially into cyclical motifs - just as traditional groups have been cooperativley steering their chamas.** - - -So far no one has built explicit debt reboots into CICs (blockchain based smart contracts)– but they do have some intrinsic ability to be steered socially into cyclical motifs - just as traditional groups have been cooperativley steering their chamas. +So far no one has built explicit debt reboots into CICs (blockchain based smart contracts)– but they do have some intrinsic ability to be steered socially into **cyclical motifs** - just as traditional groups have been cooperativley steering their chamas. Based on action research done with community group participation this social function has been imagined to work something like this and will be tested over the next years: - **Setup: A community group or chama puts in $1000 USD worth of digital asset into a reserve – which I’ll often call a collateral fund. The same community also commits to accepting (aka redeeming) 4,000 tokens 1:1 with 1$ USD for their goods and services. With this contract solidified (on and off chain): they create 4000 CIC (called locally X1 chama tokens) and 2000 (50%) of those tokens go to the liquidity providers (who contributed reserve and commitments) and 2000 go to voted on community projects with designated account holders that pay for things like communal farming and elderly care.** + +**Setup:** A community group or chama puts in $1000 USD worth of digital asset into a reserve – which I’ll often call a collateral fund. The same community also commits to accepting (aka redeeming) 4,000 tokens 1:1 with 1$ USD for their goods and services. With this contract solidified (on and off chain): they create 4000 CIC (called locally X1 chama tokens) and 2000 (50%) of those tokens go to the liquidity providers (who contributed reserve and commitments) and 2000 go to voted on community projects with designated account holders that pay for things like communal farming and elderly care. -Setup: A community group or chama puts in $1000 USD worth of digital asset into a reserve – which I’ll often call a collateral fund. The same community also commits to accepting (aka redeeming) 4,000 tokens 1:1 with 1$ USD for their goods and services. With this contract solidified (on and off chain): they create 4000 CIC (called locally X1 chama tokens) and 2000 (50%) of those tokens go to the liquidity providers (who contributed reserve and commitments) and 2000 go to voted on community projects with designated account holders that pay for things like communal farming and elderly care. - - **Setup: A community group or chama puts in $1000 USD worth of digital asset into a reserve – which I’ll often call a collateral fund. The same community also commits to accepting (aka redeeming) 4,000 tokens 1:1 with 1$ USD for their goods and services. With this contract solidified (on and off chain): they create 4000 CIC (called locally X1 chama tokens) and 2000 (50%) of those tokens go to the liquidity providers (who contributed reserve and commitments) and 2000 go to voted on community projects with designated account holders that pay for things like communal farming and elderly care.** - - -Setup: A community group or chama puts in $1000 USD worth of digital asset into a reserve – which I’ll often call a collateral fund. The same community also commits to accepting (aka redeeming) 4,000 tokens 1:1 with 1$ USD for their goods and services. With this contract solidified (on and off chain): they create 4000 CIC (called locally X1 chama tokens) and 2000 (50%) of those tokens go to the liquidity providers (who contributed reserve and commitments) and 2000 go to voted on community projects with designated account holders that pay for things like communal farming and elderly care. - - **Setup: A community group or chama puts in $1000 USD worth of digital asset into a reserve – which I’ll often call a collateral fund. The same community also commits to accepting (aka redeeming) 4,000 tokens 1:1 with 1$ USD for their goods and services. With this contract solidified (on and off chain): they create 4000 CIC (called locally X1 chama tokens) and 2000 (50%) of those tokens go to the liquidity providers (who contributed reserve and commitments) and 2000 go to voted on community projects with designated account holders that pay for things like communal farming and elderly care.** - - -Setup: A community group or chama puts in $1000 USD worth of digital asset into a reserve – which I’ll often call a collateral fund. The same community also commits to accepting (aka redeeming) 4,000 tokens 1:1 with 1$ USD for their goods and services. With this contract solidified (on and off chain): they create 4000 CIC (called locally X1 chama tokens) and 2000 (50%) of those tokens go to the liquidity providers (who contributed reserve and commitments) and 2000 go to voted on community projects with designated account holders that pay for things like communal farming and elderly care. - - **Trade: The CIC issuers here (a group of women running local businesses) trade with eachother to buy from eachother, they can also cash out (liquidate) their CIC for Kenyan Shillings – this will lower the excahnge value each time. The issuers are responsible to accept back as much as they use/spend- (a.k.a keeping a zero or neutral trade balance).** - - -Trade: The CIC issuers here (a group of women running local businesses) trade with eachother to buy from eachother, they can also cash out (liquidate) their CIC for Kenyan Shillings – this will lower the excahnge value each time. The issuers are responsible to accept back as much as they use/spend- (a.k.a keeping a zero or neutral trade balance). +**Trade:** The CIC issuers here (a group of women running local businesses) trade with eachother to buy from eachother, they can also cash out (liquidate) their CIC for Kenyan Shillings – this will lower the excahnge value each time. The issuers are responsible to accept back as much as they use/spend- (a.k.a keeping a zero or neutral trade balance). -Other community members not part of the creation process may choose to work or sell goods for the CICs. By the end of the year the community fund of the CIC should be depleted. That means people in the community have done work for the commons and been rewarded fairly for it - they can then use these tokens to buy from eachother or committed goods and services from the issuers or liquidate their tojkens to pull out collateral. - - **Other community members not part of the creation process may choose to work or sell goods for the CICs. By the end of the year the community fund of the CIC should be depleted. That means people in the community have done work for the commons and been rewarded fairly for it - they can then use these tokens to buy from eachother or committed goods and services from the issuers or liquidate their tojkens to pull out collateral.** - - -Other community members not part of the creation process may choose to work or sell goods for the CICs. By the end of the year the community fund of the CIC should be depleted. That means people in the community have done work for the commons and been rewarded fairly for it - they can then use these tokens to buy from eachother or committed goods and services from the issuers or liquidate their tojkens to pull out collateral. +Other community members not part of the creation process may choose to work or sell goods for the CICs. By the end of the year the community fund of the CIC should be depleted. That means people in the community have done **work for the commons and been rewarded fairly for it** - they can then use these tokens to buy from eachother or committed goods and services from the issuers or liquidate their tojkens to pull out collateral. -.... And impotantly, now that the year is over the Chama needs to reCommon and clear debts and choose new community projects and governance. How can this bedone with a CIC? - - **.... And impotantly, now that the year is over the Chama needs to reCommon and clear debts and choose new community projects and governance. How can this bedone with a CIC?** - - -.... And impotantly, now that the year is over the Chama needs to reCommon and clear debts and choose new community projects and governance. How can this bedone with a CIC? - - **.... And impotantly, now that the year is over the Chama needs to reCommon and clear debts and choose new community projects and governance. How can this bedone with a CIC?** - - -.... And impotantly, now that the year is over the Chama needs to reCommon and clear debts and choose new community projects and governance. How can this bedone with a CIC? - - **Cycle: Given the flexibility of smart contract protocols the chama can choose to reCommon the CIC by pooling their CIC back together and pulling out the reserve. They then put this reserve into a new CIC (called locally X2 chama tokens). Again say ~$1,000 dollars is in the X2 token chama reserve and they again commit to accepting $4,000 worth of goods and services for these tokens (pegging them to the national currency). Of these 4,000 X2 tokens that are created, 50% are again distributed to the contributing chama members and 50% is for this years community projects.** - - -Cycle: Given the flexibility of smart contract protocols the chama can choose to reCommon the CIC by pooling their CIC back together and pulling out the reserve. They then put this reserve into a new CIC (called locally X2 chama tokens). Again say ~$1,000 dollars is in the X2 token chama reserve and they again commit to accepting $4,000 worth of goods and services for these tokens (pegging them to the national currency). Of these 4,000 X2 tokens that are created, 50% are again distributed to the contributing chama members and 50% is for this years community projects. - - **Cycle: Given the flexibility of smart contract protocols the chama can choose to reCommon the CIC by pooling their CIC back together and pulling out the reserve. They then put this reserve into a new CIC (called locally X2 chama tokens). Again say ~$1,000 dollars is in the X2 token chama reserve and they again commit to accepting $4,000 worth of goods and services for these tokens (pegging them to the national currency). Of these 4,000 X2 tokens that are created, 50% are again distributed to the contributing chama members and 50% is for this years community projects.** - - -Cycle: Given the flexibility of smart contract protocols the chama can choose to reCommon the CIC by pooling their CIC back together and pulling out the reserve. They then put this reserve into a new CIC (called locally X2 chama tokens). Again say ~$1,000 dollars is in the X2 token chama reserve and they again commit to accepting $4,000 worth of goods and services for these tokens (pegging them to the national currency). Of these 4,000 X2 tokens that are created, 50% are again distributed to the contributing chama members and 50% is for this years community projects. - +.... And impotantly, now that the year is over the Chama needs to **reCommon** and **clear debts and choose new community projects and governance**. How can this bedone with a CIC? +**Cycle:** Given the flexibility of smart contract protocols the chama **can choose to reCommon the CIC** by pooling their CIC back together and pulling out the reserve. They then put this reserve into a new CIC (called locally X2 chama tokens). Again say ~$1,000 dollars is in the X2 token chama reserve and they again commit to accepting $4,000 worth of goods and services for these tokens (pegging them to the national currency). Of these 4,000 X2 tokens that are created, 50% are again distributed to the contributing chama members and 50% is for this years community projects. This combined with the typical yearly chama cycle on debt and governance rebooting creates a virtuous reCommoning cycle. - **Issues:** - * How are commitments and trade balance for the CIC issuers maintained? Since the system is on a public ledger the address of who has spent all their CIC but not accepted any back – is public knowledge. - * What about the X1 tokens that are not liquidated? What happens as X1 and X2 tokens co-exist? This is similar in a way to forking code. X1 and X2 though are by definition able to connect and trade with each other. X1 has the possibility to re-absorb the reserve behind X2 just as X2 has the ability to pull the reserve out of X1. This could form into a natural balance – such as with 2 villages near each other both creating Y1 and X1. +**Issues:** + +* **How are commitments and trade balance for the CIC issuers maintained?** Since the system is on a public ledger the address of who has spent all their CIC but not accepted any back – is public knowledge. +* **What about the X1 tokens that are not liquidated? What happens as X1 and X2 tokens co-exist?** This is similar in a way to forking code. X1 and X2 though are by definition able to connect and trade with each other. X1 has the possibility to re-absorb the reserve behind X2 just as X2 has the ability to pull the reserve out of X1. This could form into a natural balance – such as with 2 villages near each other both creating Y1 and X1. Since any chama can make another CIC out of an existing CIC (including their own). The eco-system of these currencies is extremely potent in its potential to create a patchwork of resilent decentralized economic systems. -Note that practically in our (USSD mobile phone based – no internet needed) wallet we encourage users to have auto-convert on- such that they choose their home token – which will be the one that any incoming CIC will be (auto) converted to. Hence users can at anytime choose which CIC they wish to be holding. - - *Note that practically in our (USSD mobile phone based – no internet needed) wallet we encourage users to have auto-convert on- such that they choose their home token – which will be the one that any incoming CIC will be (auto) converted to. Hence users can at anytime choose which CIC they wish to be holding.* - - -Note that practically in our (USSD mobile phone based – no internet needed) wallet we encourage users to have auto-convert on- such that they choose their home token – which will be the one that any incoming CIC will be (auto) converted to. Hence users can at anytime choose which CIC they wish to be holding. +Note that practically in our (USSD mobile phone based – no internet needed) wallet we encourage users to have *auto-convert on-* such that they choose their home token – which will be the one that any incoming CIC will be (auto) converted to. Hence users can at anytime choose which CIC they wish to be holding. This is such a rich field - I should also mention there is a HUGE variable space here on building Decentralized Autonomous Organizations (DAOs) for voting systems, commitement contracts, CIC creation, cycles etc, as well as variations to the bonding curve equations. - **What do you think?** - * On the idea of having micro-economies with connected corresponding micro-currencies created in this way, and having a natural life cycle? - * Is this truley a mutual credit among the creators? Can anyone choose to take part in it in the 1st or second or 3rd cycles? - * Is this a good, efficent, equitable, practial way to connect community currencies? - * What other reserves or baskets of reserves could communites hold for their CICs? - *These are a few of the many questions we are trying to find out together. Join us.* +**What do you think?** +* On the idea of having micro-economies with connected corresponding micro-currencies created in this way, and having a natural life cycle? +* Is this truley a mutual credit among the creators? Can anyone choose to take part in it in the 1st or second or 3rd cycles? +* Is this a good, efficent, equitable, practial way to connect community currencies? +* What other reserves or baskets of reserves could communites hold for their CICs? +*These are a few of the many questions we are trying to find out together. Join us.* Contact us: info(@)grassecon.org diff --git a/content/blog/recycling-debt.rst b/content/blog/recycling-debt.rst index 0f7841f..c8d2986 100644 --- a/content/blog/recycling-debt.rst +++ b/content/blog/recycling-debt.rst @@ -1,6 +1,6 @@ :title: Recycling Debt (Kusaga Deni, Kubali Sarafu) :author: Isavary Khabuqwi -:date: Mar 13 +:date: Mar 13 2021 :slug: recycling-debt :summary: Imagine having to endure constant reminders and threatening messages from predatory lenders your entire life. Imagine going out of... @@ -8,7 +8,7 @@ -.. image:: images/blog/recycling-debt18.webp +.. image:: images/blog/recycling-debt1.webp @@ -22,19 +22,11 @@ Imagine going out of business because you’ve loaned out too many of your produ This is daily life here in Kenya - **Debtors suffer: People are taking on debts from payment apps, banks, shops, friends and family at a break-neck speed, because they see no other option. This is why we have millions Kenyans listed as loan defaulters by the Central Bank of Kenya (CBK) and increasing suicide rates of debtors.** - - -Debtors suffer: People are taking on debts from payment apps, banks, shops, friends and family at a break-neck speed, because they see no other option. This is why we have millions Kenyans listed as loan defaulters by the Central Bank of Kenya (CBK) and increasing suicide rates of debtors. +**Debtors suffer:** People are taking on debts from payment apps, banks, shops, friends and family at a break-neck speed, because they see no other option. This is why we have millions Kenyans listed as loan defaulters by the Central Bank of Kenya (CBK) and increasing `suicide `_ rates of debtors. -Debtors suffer: People are taking on debts from payment apps, banks, shops, friends and family at a break-neck speed, because they see no other option. This is why we have millions Kenyans listed as loan defaulters by the Central Bank of Kenya (CBK) and increasing suicide rates of debtors. - - `suicide `_ **Lenders suffer: Not all lenders are predatory. When small businesses lend out their products they often never get paid back. They end up holding the debts of so many friends, family, neighbors that they go out of business. How much debt are you willing to hold for a friend, family, neighbor, colleague, acquaintance until they pay you back?** - - -Lenders suffer: Not all lenders are predatory. When small businesses lend out their products they often never get paid back. They end up holding the debts of so many friends, family, neighbors that they go out of business. How much debt are you willing to hold for a friend, family, neighbor, colleague, acquaintance until they pay you back? +**Lenders suffer:** Not all lenders are predatory. When small businesses lend out their products they often never get paid back. They end up holding the debts of so many friends, family, neighbors that they go out of business. How much debt are you willing to hold for a friend, family, neighbor, colleague, acquaintance until they pay you back? @@ -42,41 +34,25 @@ This situation creates what is known as economic gridlock (see video), strife an -As a woman in her thirties and a single mother by choice, I’ve endured poverty because my urgency for money makes me vulnerable to borrowing - but I would have never thought I would have found help from the Red Cross. I always thought the Kenya Red Cross Society helped with disasters only - but it turns, out they are helping fix the disaster of our economy as well, by building a public free infrastructure for sharing our collective value called Community Inclusion Currencies (Sarafu in Kenya). Sarafu is a community driven basic income that helps individuals and small businesses achieve a debt recycling lifestyle - ending economic gridlock. Call Kenya Red Cross toll free 0800-720-577 to learn more. - - *As a woman in her thirties and a single mother by choice, I’ve endured poverty because my urgency for money makes me vulnerable to borrowing - but I would have never thought I would have found help from the Red Cross. I always thought the Kenya Red Cross Society helped with disasters only - but it turns, out they are helping fix the disaster of our economy as well, by building a public free infrastructure for sharing our collective value called Community Inclusion Currencies (Sarafu in Kenya). Sarafu is a community driven basic income that helps individuals and small businesses achieve a debt recycling lifestyle - ending economic gridlock. Call Kenya Red Cross toll free 0800-720-577 to learn more.* - **The fact is 2020 was a tough year! We discovered how to incorporate hunger into our food diet in order to achieve our dreams. After the debt streak most of us have suffered, are we still willing to come together to help each other escape the debt gridlock and the “rat race”?** +As a woman in her thirties and a single mother by choice, I’ve endured poverty because my urgency for money makes me vulnerable to borrowing - but I would have never thought I would have found help from the Red Cross. I always thought the Kenya Red Cross Society helped with disasters only - but it turns, out they are helping fix the disaster of our economy as well, by building a public free infrastructure for sharing our collective value called Community Inclusion Currencies (Sarafu in Kenya). Sarafu is a community driven basic income that helps individuals and small businesses achieve a debt recycling lifestyle - ending economic gridlock. *Call Kenya Red Cross toll free 0800-720-577 to learn more.* -The fact is 2020 was a tough year! We discovered how to incorporate hunger into our food diet in order to achieve our dreams. After the debt streak most of us have suffered, are we still willing to come together to help each other escape the debt gridlock and the “rat race”? - - **Recycle Debt - accepting and using community driven basic income is a solution we can all get behind. Sarafu are created for each and every Kenyan that registers using any phone by dialing *384*96# Safaricom with no charges or *483*46# on other networks.** - - -Recycle Debt - accepting and using community driven basic income is a solution we can all get behind. Sarafu are created for each and every Kenyan that registers using any phone by dialing *384*96# Safaricom with no charges or *483*46# on other networks. - - **Lenders are Heroes: When someone comes to you asking for a loan of money or product, ask them for Sarafu in return. Ensure that you hold a level that does not affect your business’ or personal financial flow and before you accept anymore, seek out your friends, families and debtors to help you spend it. This protects lenders form accruing too much debt and gives them away to spend their debt (kusaga deni).** - - -Lenders are Heroes: When someone comes to you asking for a loan of money or product, ask them for Sarafu in return. Ensure that you hold a level that does not affect your business’ or personal financial flow and before you accept anymore, seek out your friends, families and debtors to help you spend it. This protects lenders form accruing too much debt and gives them away to spend their debt (kusaga deni). - - **Debtors support Lenders: Rather than keep asking for loans you can create your own Sarafu, which will help you purchase goods and services when you’re short of cash. Reach out to people that are generously holding Sarafu for work and accept it for your work and spend it among a network of your peers like is the case with Kilifi Kulture.** - - -Debtors support Lenders: Rather than keep asking for loans you can create your own Sarafu, which will help you purchase goods and services when you’re short of cash. Reach out to people that are generously holding Sarafu for work and accept it for your work and spend it among a network of your peers like is the case with Kilifi Kulture. +**The fact is 2020 was a tough year!** We discovered how to incorporate hunger into our food diet in order to achieve our dreams. After the debt streak most of us have suffered, are we still willing to come together to help each other escape the debt gridlock and the “rat race”? -Debtors support Lenders: Rather than keep asking for loans you can create your own Sarafu, which will help you purchase goods and services when you’re short of cash. Reach out to people that are generously holding Sarafu for work and accept it for your work and spend it among a network of your peers like is the case with Kilifi Kulture. +**Recycle Debt** - accepting and using community driven basic income is a solution we can all get behind. Sarafu are created for each and every Kenyan that registers using any phone by dialing x384x96# Safaricom with no charges or x483x46# on other networks. - `Kilifi Kulture `_ + +**Lenders are Heroes:** When someone comes to you asking for a loan of money or product, ask them for Sarafu in return. Ensure that you hold a level that does not affect your business’ or personal financial flow and before you accept anymore, seek out your friends, families and debtors to help you spend it. This protects lenders form accruing too much debt and gives them away to spend their debt (kusaga deni). + + +**Debtors support Lenders:** Rather than keep asking for loans you can create your own Sarafu, which will help you purchase goods and services when you’re short of cash. Reach out to people that are generously holding Sarafu for work and accept it for your work and spend it among a network of your peers like is the case with `Kilifi Kulture `_ .. image:: images/blog/recycling-debt129.webp - **Kusaga deni, kubali Sarafu! Refusing our old notion of debt and accepting the use of a basic income (Sarafu) is a viable solution in promoting circular trade to help the economy thrive. It’s quite easy to see a useful tool when you need it.** - -Kusaga deni, kubali Sarafu! Refusing our old notion of debt and accepting the use of a basic income (Sarafu) is a viable solution in promoting circular trade to help the economy thrive. It’s quite easy to see a useful tool when you need it. +**Kusaga deni, kubali Sarafu!** Refusing our old notion of debt and accepting the use of a basic income (Sarafu) is a viable solution in promoting circular trade to help the economy thrive. It’s quite easy to see a useful tool when you need it. @@ -84,6 +60,6 @@ As someone who has suffered from financial depression, I maintained a routine th -Contact us to join a group of economic heroes in Kenya. - `Contact us to join a group of economic heroes in Kenya. `_ \ No newline at end of file + +`Contact us to join a group of economic heroes in Kenya. `_ \ No newline at end of file diff --git a/content/blog/red-cross-cic.rst b/content/blog/red-cross-cic.rst new file mode 100644 index 0000000..0568ff4 --- /dev/null +++ b/content/blog/red-cross-cic.rst @@ -0,0 +1,73 @@ + +:title: Red Cross CIC Pilot Survey - Mukuru Kenya +:author: Will Ruddick +:date: Sep 27, 2020 +:slug: red-cross-cic +:modified: Sep 28, 2020 +:summary: Staggering Impact: 169,270,038 Sarafu traded between 39,217 users in 267,479 transactions on a blockchain during stagnate markets. +:tags: results,survey,Red Cross + + + +After several years of Community Inclusion Currencies (CICs) being used independently in post Red Cross and WFP intervention sites and a year of planning, Red Cross began to actively pilot the use of CICs in urban livelihoods programs in March 2020- which quickly turned into an improvised COVID response system. By May 2020 a Red Cross field survey was undertaken to understand the huge increase of CIC transaction data coming in. + + + +.. image:: images/blog/red-cross-cic1.webp + +*Red Cross small group training session.* + + +The CIC implementation methodology included: (1) a disbursement of Sarafu (CIC) tokens to individuals and community groups in the urban settlement through training carried out by volunteer Community Based Disaster Response Teams. (2) Additional Sarafu distributed based on economic data. (3) Purchase of Sarafu using Mpesa from selected community groups and vendors. (4) Further training was given to community groups such that they may be able to create and use their own CIC in the future (this transition is planned for November 2020). + + + +The general theory was that residents need a medium of exchange to support and trade with each other - especially when National Currency is getting more and more scarce. By distributing Sarafu and triggering additional Sarafu injections based on economic data - circulation via local trade and consumption can be incentivized and aid funds can be better targeted to multiply impacts. + + + +The survey was carried out by Red Cross staff and volunteers: + +* Date of Analysis: 25th to 30th May 2020 +* Area of survey: Mukuru Kayaba (Pop. 83,000) (Pop of Sarafu users 4000) +* Number of respondent: Female 391, Male 228 Total: 619 +* Goal: To understand the impact of Sarafu and give qualitative understanding of the statistics for users. + + +Brief Analysis: + + + +Notably the survey shows significant increases of commerce, food consumption, impact on income, access to clean water, toilets, soap, clinics & medicine. On the negative side some users found it harder to restock their items, and found that merchants would inflate prices when accepting CIC. + + + +Looking beyond the survey done in May - from transaction and demographic data we can look back at the year so far as follows: + + + +.. image:: images/blog/red-cross97.webp + + + +The above graph shows the trade volume and number of transactions daily for 2020. The peak of transactions occurred in April coinciding with the Red Cross pilot in Mukuru as well as COVID reactions starting. Peaks in enrollments (bottom orange lines) coincide with Red Cross (CBDRT) enrollment drives. Surprisingly the general shape in terms of volume and number of transactions has been fairly steady despite a moratorium on expansion at this pilot stage. + + + +Note that while less than half of CIC users in Kenya are in Mukuru / Nairobi - similar increases in rural areas outside Nairobi are also seen - likely due to COVID awareness. Although the percentage of users in Mukuru is small comared to all of Kenya their trade number have been by far the highest - likely due to Red Cross' CBDRT involvement in helping teach users how to trade with one another for mutual aid. + + +**The impact in Nairobi's Mukuru settlement so far is impressive and represents roughly three quarters of the total usage in Kenya:** In Mukuru, we've seen 110,425,747 Sarafu traded between 7,678 users in 143,133 transactions on a blockchain. If equated to Kenyan Shillings in value, we have witnessed over $1,016,682 USD worth of trade of basic goods and services among vulnerable populations - at a time when the economy has been stagnate. This is based on a distribution of 4,745,211 Sarafu (~$43,688 USD) to vulnerable people in the area - seeing this entire amount changing hands so far ~23 times on average and categorized by gender, products and locations has given us a huge amount of insight into the nature and fragility of various markets. + + + +.. image:: images/blog/red-cross138.webp + +*Typical Shop accepting the Sarafu CIC* + + +The next pilot stage, where community groups create their own CICs will be a return to where we were last November when groups were assisted to create their own currencies. For technical reasons we had to replace all the previous CICs with their reserve - a single CIC called Sarafu, which will again be used as a reserve for further CICs in the upcoming months. + + + +While we continue to understand the long term impacts and sustainability in Mukuru and other areas, Red Cross is further expected to run a pilot in a new area to try and improve on these results. Should they be reproducible and sustainable we hope to see similar programs rolled out wherever Red Cross is dealing with crisis response and recovery. We're very excited! diff --git a/content/blog/red-cross-impact.rst b/content/blog/red-cross-impact.rst new file mode 100644 index 0000000..c8bb68f --- /dev/null +++ b/content/blog/red-cross-impact.rst @@ -0,0 +1,67 @@ +:title: Red Cross' Impact Continues Post Cash +:author: Caroline Dama +:date: Aug 10, 2019 +:slug: red-cross-impact + +:summary: "Community Currencies have enabled food insecure communities to sustainably feed themselves post Red Cross support" - Mwanamuna Sw + + + + +.. image:: images/blog/red-cross-impact1.webp + + +**"Community Currencies have enabled food insecure communities to sustainably feed themselves post Red Cross support" - Mwanamuna Swale** + + + + + + +Grassroots Economics has had the pleasure of working with Mwanamuna for the last 8 years across the Kinango sub-county. Red Cross had been engaged in a food insecurity relief program that involved paying groups of farmers to collectively farm in a Cash Transfer Program. For years Mwanamuna trained these groups of over 4000 farmers in the area and saw increased harvests and communal support. + + + + + + + +While this program brought people together and provided years of needed food support, when the program funding from WFP began to run out Red Cross' ability to pay these farmers was coming to and end. They saw the need for a transition toward community self-financing and the communities led the way. One Mwanamuna's farming groups, the Miyani FDP (Food Distribution Point) Group began to adopt a method that was going on elsewhere on the coast of Kenya. + + + + + +**They created their own Community Currency.** + + + + + + +Using a cooperative maize mill as focal point they began to issue vouchers for maize milling to community members to pay for the collective farming work. These vouchers began to circulate more and more while being accepted at more and more shops, schools, salons and so on, until they began to act as a community currency. + + + + + + + +In late 2018 they replaced their paper vouchers for a feature phone based system that enabled their community currency to spread to the 20 neighboring villages! + + + + + + + +.. image:: images/blog/red-cross67.webp + + + +Today there are over `2000 users `_ in the Kinango area using community currencies to trade with eachother for their basic needs. Users like Kwekwe (see photo), who runs her family business selling chapatis and the okra that her husband grows on their family land. National and community currency that she does not spend on basic needs is saved in the weekly chama (savings group) meetings. + + + +.. image:: images/blog/red-cross83.webp + diff --git a/content/blog/red-cross.rst b/content/blog/red-cross.rst index 5ca7a68..d5981f6 100644 --- a/content/blog/red-cross.rst +++ b/content/blog/red-cross.rst @@ -1,6 +1,6 @@ :title: Red Cross brings Community Currency to Kisauni :author: Will Ruddick -:date: Apr 25 +:date: Apr 25 2021 :slug: red-cross :summary: The results of an introduction to community currency have changed economies and lives. @@ -8,26 +8,17 @@ -Below are a compilation of Community Inclusion Currency (CIC) user stories from Grassroots Economics Field Support Engineers (Emmanuel Mbui, Amina Godana, Janet Akinyi and Joyce Kamau) supporting and working with Red Cross volunteers and community groups. Implementation with Red Cross volunteers led by Bahero Mohamed through door to door awareness raising and street theater began in January 2021. The following case studies are taken from the week of April 23rd 2021 and their successes continue to ripple out across the region. While Kisauni is only a small part of Kenya; through word-of-mouth over 50,000 households and small businesses in vulnerable areas have registered to be part of the Sarafu Network since 2020 and have traded roughly 3 Million USD of goods and services among each other using a blockchain ledger - on simple phones without the need for internet. - - *Below are a compilation of Community Inclusion Currency (CIC) user stories from Grassroots Economics Field Support Engineers (Emmanuel Mbui, Amina Godana, Janet Akinyi and Joyce Kamau) supporting and working with Red Cross volunteers and community groups. Implementation with Red Cross volunteers led by Bahero Mohamed through door to door awareness raising and street theater began in January 2021. The following case studies are taken from the week of April 23rd 2021 and their successes continue to ripple out across the region. While Kisauni is only a small part of Kenya; through word-of-mouth over 50,000 households and small businesses in vulnerable areas have registered to be part of the Sarafu Network since 2020 and have traded roughly 3 Million USD of goods and services among each other using a blockchain ledger - on simple phones without the need for internet.* +Below are a compilation of Community Inclusion Currency (CIC) user stories from Grassroots Economics Field Support Engineers (*Emmanuel Mbui, Amina Godana, Janet Akinyi and Joyce Kamau*) supporting and working with Red Cross volunteers and community groups. Implementation with Red Cross volunteers led by *Bahero Mohamed* through door to door awareness raising and street theater began in January 2021. The following case studies are taken from the week of April 23rd 2021 and their successes continue to ripple out across the region. While Kisauni is only a small part of Kenya; through word-of-mouth over 50,000 households and small businesses in vulnerable areas have registered to be part of the Sarafu Network since 2020 and have traded roughly 3 Million USD of goods and services among each other using a blockchain ledger - on simple phones without the need for internet. -Below are a compilation of Community Inclusion Currency (CIC) user stories from Grassroots Economics Field Support Engineers (Emmanuel Mbui, Amina Godana, Janet Akinyi and Joyce Kamau) supporting and working with Red Cross volunteers and community groups. Implementation with Red Cross volunteers led by Bahero Mohamed through door to door awareness raising and street theater began in January 2021. The following case studies are taken from the week of April 23rd 2021 and their successes continue to ripple out across the region. While Kisauni is only a small part of Kenya; through word-of-mouth over 50,000 households and small businesses in vulnerable areas have registered to be part of the Sarafu Network since 2020 and have traded roughly 3 Million USD of goods and services among each other using a blockchain ledger - on simple phones without the need for internet. - - *Below are a compilation of Community Inclusion Currency (CIC) user stories from Grassroots Economics Field Support Engineers (Emmanuel Mbui, Amina Godana, Janet Akinyi and Joyce Kamau) supporting and working with Red Cross volunteers and community groups. Implementation with Red Cross volunteers led by Bahero Mohamed through door to door awareness raising and street theater began in January 2021. The following case studies are taken from the week of April 23rd 2021 and their successes continue to ripple out across the region. While Kisauni is only a small part of Kenya; through word-of-mouth over 50,000 households and small businesses in vulnerable areas have registered to be part of the Sarafu Network since 2020 and have traded roughly 3 Million USD of goods and services among each other using a blockchain ledger - on simple phones without the need for internet.* - - -Below are a compilation of Community Inclusion Currency (CIC) user stories from Grassroots Economics Field Support Engineers (Emmanuel Mbui, Amina Godana, Janet Akinyi and Joyce Kamau) supporting and working with Red Cross volunteers and community groups. Implementation with Red Cross volunteers led by Bahero Mohamed through door to door awareness raising and street theater began in January 2021. The following case studies are taken from the week of April 23rd 2021 and their successes continue to ripple out across the region. While Kisauni is only a small part of Kenya; through word-of-mouth over 50,000 households and small businesses in vulnerable areas have registered to be part of the Sarafu Network since 2020 and have traded roughly 3 Million USD of goods and services among each other using a blockchain ledger - on simple phones without the need for internet. - - **By Emmanuel Mbui** +**By Emmanuel Mbui** Economic imbalance, insecurity, dependency and luck of money are the challenges experienced by most people in Kisauni. Thanks to Red Cross, partnering with Grassroots economics foundation for introducing CICs, Community Inclusion Currency (locally Sarafu or 'currency' in Kisawhili); a medium of exchange that builds trust and unites members of a community. Sarafu helps people pool the locally available resources and provides a fair space for exchange within the community. -.. image:: images/blog/red-cross34.webp +.. image:: images/blog/red-cross1.webp @@ -39,10 +30,6 @@ Jackton at his place of work in Manyani village accepts payment in sarafu for th - - - - Jackton is not the only one who benefits from Sarafu, in the same village of Manyani, we meet another beneficiary. Victoria Kylo. The owner of a small Duka (shop) in the village, she joined the network and accepts a small percentage of the payment in Sarafu. Victoria is in the same trading circle with Jackton and other members. Victoria uses her Sarafu to buy mboga(vegetables) and services like repairing her clothes from Jackton and to buy cold water from their neighbor. @@ -53,7 +40,7 @@ The two have also manage to invite other people in by explaining how Sarafu work Due to Covid 19 Pandemic and its effects on the economy at large, most of the people have not been able to cater for their basic needs. The ones greatly affected being the vulnerable in the community. A ray of hope was brought upon these communities with the introduction of Community Inclusion Currencies which helps them get their basic needs and has also helped them in minimizing debt collection which was a great challenge to them. Here are some testimonials from different users in different locations. - **By Amina Godana** +**By Amina Godana** Mshomoroni Area in Mjambere Ward: Its an area where the local economy is not that sustainable this is because most of the young and able youths have engaged themselves in illegal activities such as theft and high level of insecurity in the area. This is due to financial trauma. This has however begun to change with the introduction of community inclusion currencies since anyone can accept and use Sarafu even when they do not have a business. He/she can offer services in the community and be paid with CIC and later spend on other business. @@ -90,7 +77,7 @@ Irene Matoke (pictured above): She runs a grocery kiosk she was introduced to th Suleiman Mohammed (not pictured) where he sells Malimali (utensils and other stuff) he depends on that business to put food on the table he is delighted to be a member of sarafu since he can get his basic needs. He buys Fish from Mwanahamisi and she in turn buys utensils from him. - **By Janet Otieno Akinyi** +**By Janet Otieno Akinyi** SARAFU CHANGING LIVES! Imagine being evicted from your house because of an accumulated rent arrears together with your 5 children. This is the sad story of Fatuma Mzee, a 35 year old residing in Mjambere, Kisauni, Mombasa Kenya of Sarafu. @@ -99,22 +86,22 @@ SARAFU CHANGING LIVES! Imagine being evicted from your house because of an accum .. image:: images/blog/red-cross185.webp - *“My husband lost his work in 2016 and that pushed us to the toughest experiences ever in our lives. We struggled through different casual works just to put up with the bills-rent, fees,food,water and electricity. Life became even harder when our landlord could not tolerate us anymore, who would put up with 6 months arrears anyway? We were evicted!* - *My family decided to look for a smaller house. It is then that we moved to Mjambere. I have been here for 7 months. I started my Juice, Ice and Ice Cubes business. Through Sarafu I was able to provide at least one meal a day for my family.* - *In mid February 2021, I was lucky and overjoyed to know about Sarafu as it was introduced to my community. Through Sarafu, I have been able to unite with my neighbors, I’ve gained trust with them and this has enabled me to form my network of trade. I can easily get my basic needs from my network and the sales in my business have also increased. I’m grateful to Sarafu and I’m looking forward to referring more people to Sarafu so that I can grow my network.” Fatuma narrated.* +*“My husband lost his work in 2016 and that pushed us to the toughest experiences ever in our lives. We struggled through different casual works just to put up with the bills-rent, fees,food,water and electricity. Life became even harder when our landlord could not tolerate us anymore, who would put up with 6 months arrears anyway? We were evicted!* +*My family decided to look for a smaller house. It is then that we moved to Mjambere. I have been here for 7 months. I started my Juice, Ice and Ice Cubes business. Through Sarafu I was able to provide at least one meal a day for my family.* +*In mid February 2021, I was lucky and overjoyed to know about Sarafu as it was introduced to my community. Through Sarafu, I have been able to unite with my neighbors, I’ve gained trust with them and this has enabled me to form my network of trade. I can easily get my basic needs from my network and the sales in my business have also increased. I’m grateful to Sarafu and I’m looking forward to referring more people to Sarafu so that I can grow my network.” Fatuma narrated.* Among the users in Fatuma’s network are: - * Ezline Chepkemboi: Ezline sells locally made detergents-jik,liquid soap and washing powders. Fatuma is no longer worried about her laundry since Ezline has her sorted. Ezline is also glad that she can get cold drinking water from Fatuma whenever the sun gets unbearably hot. - * Celly Jerotich: who just joined Fatuma’s network is so excited about the concept. A widow and a mother to 2 adorable daughters runs her grocery shop just adjacent to Fatuma’s place. Fatuma therefore has her grocery needs sorted and Celly is also glad to be receiving juice and detergents from Ezline and Fatuma. - * Rose Karimi: runs a small shop where she sells flour,rice,sugar,salt,cooking oil among other products. Talking to her about Sarafu,she was optimistic and happy that it was introduced to them. She stated that Sarafu has made it easier for them to get their basic needs. Karimi being in Fatuma’s network, is sure of getting products from other small vendors around her as she also allows them to buy from her in Sarafu. - * Linet Saru: is a new addition to Fatuma’s network. A single mother of two narrated that Sarafu will help her cub poverty as she feels more empowered to grow her local economy through her network. Linet is a fish vendor and she’s glad to have joined Fatuma’s network since they will all gain from one another using Sarafu. +* Ezline Chepkemboi: Ezline sells locally made detergents-jik,liquid soap and washing powders. Fatuma is no longer worried about her laundry since Ezline has her sorted. Ezline is also glad that she can get cold drinking water from Fatuma whenever the sun gets unbearably hot. +* Celly Jerotich: who just joined Fatuma’s network is so excited about the concept. A widow and a mother to 2 adorable daughters runs her grocery shop just adjacent to Fatuma’s place. Fatuma therefore has her grocery needs sorted and Celly is also glad to be receiving juice and detergents from Ezline and Fatuma. +* Rose Karimi: runs a small shop where she sells flour,rice,sugar,salt,cooking oil among other products. Talking to her about Sarafu,she was optimistic and happy that it was introduced to them. She stated that Sarafu has made it easier for them to get their basic needs. Karimi being in Fatuma’s network, is sure of getting products from other small vendors around her as she also allows them to buy from her in Sarafu. +* Linet Saru: is a new addition to Fatuma’s network. A single mother of two narrated that Sarafu will help her cub poverty as she feels more empowered to grow her local economy through her network. Linet is a fish vendor and she’s glad to have joined Fatuma’s network since they will all gain from one another using Sarafu. I find it amazing how community inclusion currency (Sarafu) can support and sustain the long-term resilience of the marginalized communities like Mjambere! The initiative delivered to Kisauni by Kenya Red Cross Society,Danish Red Cross and Grassroots Economics Foundation has impacted Kisauni residence in a positive way as it has not only strengthened and supported the vulnerable households but also created unity within the community. - **By Joyce Kamau** +**By Joyce Kamau** Mjambere is a community within Kisauni sublocation whose population includes people from the grassroots. When the pandemic struck most people from the community were already struggling to put food on the table. This is an example of vulnerable communities which live from hand to mouth. @@ -177,163 +164,6 @@ These small businesses are good examples of how people build trust amongst the - - -:title: Red Cross CIC Pilot Survey - Mukuru Kenya -:author: Will Ruddick -:date: Sep 27, 2020 -:slug: red-cross -:modified: Sep 28, 2020 -:summary: Staggering Impact: 169,270,038 Sarafu traded between 39,217 users in 267,479 transactions on a blockchain during stagnate markets. -:tags: results,survey,Red Cross - - - -After several years of Community Inclusion Currencies (CICs) being used independently in post Red Cross and WFP intervention sites and a year of planning, Red Cross began to actively pilot the use of CICs in urban livelihoods programs in March 2020- which quickly turned into an improvised COVID response system. By May 2020 a Red Cross field survey was undertaken to understand the huge increase of CIC transaction data coming in. - - - -.. image:: images/blog/red-cross17.webp - - *Red Cross small group training session.* - - -The CIC implementation methodology included: (1) a disbursement of Sarafu (CIC) tokens to individuals and community groups in the urban settlement through training carried out by volunteer Community Based Disaster Response Teams. (2) Additional Sarafu distributed based on economic data. (3) Purchase of Sarafu using Mpesa from selected community groups and vendors. (4) Further training was given to community groups such that they may be able to create and use their own CIC in the future (this transition is planned for November 2020). - - - -The general theory was that residents need a medium of exchange to support and trade with each other - especially when National Currency is getting more and more scarce. By distributing Sarafu and triggering additional Sarafu injections based on economic data - circulation via local trade and consumption can be incentivized and aid funds can be better targeted to multiply impacts. - - - -The survey was carried out by Red Cross staff and volunteers: - - * Date of Analysis: 25th to 30th May 2020 - * Area of survey: Mukuru Kayaba (Pop. 83,000) (Pop of Sarafu users 4000) - * Number of respondent: Female 391, Male 228 Total: 619 - * Goal: To understand the impact of Sarafu and give qualitative understanding of the statistics for users. - - -Brief Analysis: - - - -Notably the survey shows significant increases of commerce, food consumption, impact on income, access to clean water, toilets, soap, clinics & medicine. On the negative side some users found it harder to restock their items, and found that merchants would inflate prices when accepting CIC. - - - -Looking beyond the survey done in May - from transaction and demographic data we can look back at the year so far as follows: - - - -.. image:: images/blog/red-cross97.webp - - - -The above graph shows the trade volume and number of transactions daily for 2020. The peak of transactions occurred in April coinciding with the Red Cross pilot in Mukuru as well as COVID reactions starting. Peaks in enrollments (bottom orange lines) coincide with Red Cross (CBDRT) enrollment drives. Surprisingly the general shape in terms of volume and number of transactions has been fairly steady despite a moratorium on expansion at this pilot stage. - - - -Note that while less than half of CIC users in Kenya are in Mukuru / Nairobi - similar increases in rural areas outside Nairobi are also seen - likely due to COVID awareness. Although the percentage of users in Mukuru is small comared to all of Kenya their trade number have been by far the highest - likely due to Red Cross' CBDRT involvement in helping teach users how to trade with one another for mutual aid. - - **The impact in Nairobi's Mukuru settlement so far is impressive and represents roughly three quarters of the total usage in Kenya: In Mukuru, we've seen 110,425,747 Sarafu traded between 7,678 users in 143,133 transactions on a blockchain. If equated to Kenyan Shillings in value, we have witnessed over $1,016,682 USD worth of trade of basic goods and services among vulnerable populations - at a time when the economy has been stagnate. This is based on a distribution of 4,745,211 Sarafu (~$43,688 USD) to vulnerable people in the area - seeing this entire amount changing hands so far ~23 times on average and categorized by gender, products and locations has given us a huge amount of insight into the nature and fragility of various markets.** - - -The impact in Nairobi's Mukuru settlement so far is impressive and represents roughly three quarters of the total usage in Kenya: In Mukuru, we've seen 110,425,747 Sarafu traded between 7,678 users in 143,133 transactions on a blockchain. If equated to Kenyan Shillings in value, we have witnessed over $1,016,682 USD worth of trade of basic goods and services among vulnerable populations - at a time when the economy has been stagnate. This is based on a distribution of 4,745,211 Sarafu (~$43,688 USD) to vulnerable people in the area - seeing this entire amount changing hands so far ~23 times on average and categorized by gender, products and locations has given us a huge amount of insight into the nature and fragility of various markets. - - **The impact across Kenya is staggering: Overall across Kenya in 30 locations (predominately rural), we've seen 169,270,038 Sarafu traded between 39,217 users in 267,479 transactions on a blockchain via simple phones without internet access. If equated to Kenyan Shillings in value, we have witnessed over $1,560,382 USD worth of trade of basic goods and services among vulnerable populations - at a time when the economy has been stagnate. 16 Million Sarafu have been distributed (~$147,492 USD) across Kenya to reach this effect.** - - -The impact across Kenya is staggering: Overall across Kenya in 30 locations (predominately rural), we've seen 169,270,038 Sarafu traded between 39,217 users in 267,479 transactions on a blockchain via simple phones without internet access. If equated to Kenyan Shillings in value, we have witnessed over $1,560,382 USD worth of trade of basic goods and services among vulnerable populations - at a time when the economy has been stagnate. 16 Million Sarafu have been distributed (~$147,492 USD) across Kenya to reach this effect. - - - -.. image:: images/blog/red-cross138.webp - - *Typical Shop accepting the Sarafu CIC* - - -The next pilot stage, where community groups create their own CICs will be a return to where we were last November when groups were assisted to create their own currencies. For technical reasons we had to replace all the previous CICs with their reserve - a single CIC called Sarafu, which will again be used as a reserve for further CICs in the upcoming months. - - - -While we continue to understand the long term impacts and sustainability in Mukuru and other areas, Red Cross is further expected to run a pilot in a new area to try and improve on these results. Should they be reproducible and sustainable we hope to see similar programs rolled out wherever Red Cross is dealing with crisis response and recovery. We're very excited! - - **While we continue to understand the long term impacts and sustainability in Mukuru and other areas, Red Cross is further expected to run a pilot in a new area to try and improve on these results. Should they be reproducible and sustainable we hope to see similar programs rolled out wherever Red Cross is dealing with crisis response and recovery. We're very excited!** -:title: Red Cross' Impact Continues Post Cash -:author: Caroline Dama -:date: Aug 10, 2019 -:slug: red-cross - -:summary: "Community Currencies have enabled food insecure communities to sustainably feed themselves post Red Cross support" - Mwanamuna Sw - - - - -.. image:: images/blog/red-cross18.webp - - **"Community Currencies have enabled food insecure communities to sustainably feed themselves post Red Cross support" - Mwanamuna Swale** - - - - - - -Grassroots Economics has had the pleasure of working with Mwanamuna for the last 8 years across the Kinango sub-county. Red Cross had been engaged in a food insecurity relief program that involved paying groups of farmers to collectively farm in a Cash Transfer Program. For years Mwanamuna trained these groups of over 4000 farmers in the area and saw increased harvests and communal support. - - - - - - - -While this program brought people together and provided years of needed food support, when the program funding from WFP began to run out Red Cross' ability to pay these farmers was coming to and end. They saw the need for a transition toward community self-financing and the communities led the way. One Mwanamuna's farming groups, the Miyani FDP (Food Distribution Point) Group began to adopt a method that was going on elsewhere on the coast of Kenya. - - - - - - **They created their own Community Currency.** - - - - - - -Using a cooperative maize mill as focal point they began to issue vouchers for maize milling to community members to pay for the collective farming work. These vouchers began to circulate more and more while being accepted at more and more shops, schools, salons and so on, until they began to act as a community currency. - - - - - - - -In late 2018 they replaced their paper vouchers for a feature phone based system that enabled their community currency to spread to the 20 neighboring villages! - - - - - - - -.. image:: images/blog/red-cross67.webp - - - - Today there are over 2000 users in the Kinango area using community currencies to trade with eachother for their basic needs. Users like Kwekwe (see photo), who runs her family business selling chapatis and the okra that her husband grows on their family land. National and community currency that she does not spend on basic needs is saved in the weekly chama (savings group) meetings. - - - - Today there are over 2000 users in the Kinango area using community currencies to trade with eachother for their basic needs. Users like Kwekwe (see photo), who runs her family business selling chapatis and the okra that her husband grows on their family land. National and community currency that she does not spend on basic needs is saved in the weekly chama (savings group) meetings. - - `2000 users `_ - -.. image:: images/blog/red-cross83.webp - - - - - diff --git a/content/blog/refugee-economics.rst b/content/blog/refugee-economics.rst index e1a1df7..6851262 100644 --- a/content/blog/refugee-economics.rst +++ b/content/blog/refugee-economics.rst @@ -1,6 +1,6 @@ :title: Refugee Economics in Kakuma Kenya :author: Marcelin Munga Petro -:date: Feb 13 +:date: Feb 13 2021 :slug: refugee-economics :summary: Short description of FHE community based organization. dear sir/madam Greetings, I'm MARCELIN MUNGA PETRO a Congolese by nationality... @@ -8,7 +8,7 @@ -.. image:: images/blog/refugee-economics18.webp +.. image:: images/blog/refugee-economics1.webp diff --git a/content/blog/refugee-inclusive.rst b/content/blog/refugee-inclusive.rst index fb1225e..1979936 100644 --- a/content/blog/refugee-inclusive.rst +++ b/content/blog/refugee-inclusive.rst @@ -8,13 +8,13 @@ -.. image:: images/blog/refugee-inclusive18.webp +.. image:: images/blog/refugee-inclusive1.webp - Responding to Refugee Crisis - **Responding to Refugee Crisis** + +**Responding to Refugee Crisis** @@ -29,24 +29,9 @@ This is the current and biggest humanitarian global crisis in our lifetimes and -"We are now witnessing the highest levels of displacement on record. An unprecedented 70.8 million people around the world have been forced from home. Among them are nearly 25.9 million refugees, over half of whom are under the age of 18. There are also millions of stateless people who have been denied a nationality and access to basic rights such as education, healthcare, employment and freedom of movement.In a world where nearly 1 person is forcibly displaced every two seconds as a result of conflict or persecution" - UNHCR - - **"We are now witnessing the highest levels of displacement on record. An unprecedented 70.8 million people around the world have been forced from home. Among them are nearly 25.9 million refugees, over half of whom are under the age of 18. There are also millions of stateless people who have been denied a nationality and access to basic rights such as education, healthcare, employment and freedom of movement.In a world where nearly 1 person is forcibly displaced every two seconds as a result of conflict or persecution" - UNHCR** +**"We are now witnessing the highest levels of displacement on record**. An unprecedented 70.8 million people around the world have been forced from home. Among them are nearly 25.9 million refugees, over half of whom are under the age of 18. There are also millions of stateless people who have been denied a nationality and access to basic rights such as education, healthcare, employment and freedom of `movement.In `_ a world where nearly 1 person is forcibly displaced every two seconds as a result of conflict or persecution" - `UNHCR `_ -"We are now witnessing the highest levels of displacement on record. An unprecedented 70.8 million people around the world have been forced from home. Among them are nearly 25.9 million refugees, over half of whom are under the age of 18. There are also millions of stateless people who have been denied a nationality and access to basic rights such as education, healthcare, employment and freedom of movement.In a world where nearly 1 person is forcibly displaced every two seconds as a result of conflict or persecution" - UNHCR - - - -"We are now witnessing the highest levels of displacement on record. An unprecedented 70.8 million people around the world have been forced from home. Among them are nearly 25.9 million refugees, over half of whom are under the age of 18. There are also millions of stateless people who have been denied a nationality and access to basic rights such as education, healthcare, employment and freedom of movement.In a world where nearly 1 person is forcibly displaced every two seconds as a result of conflict or persecution" - UNHCR - - - -"We are now witnessing the highest levels of displacement on record. An unprecedented 70.8 million people around the world have been forced from home. Among them are nearly 25.9 million refugees, over half of whom are under the age of 18. There are also millions of stateless people who have been denied a nationality and access to basic rights such as education, healthcare, employment and freedom of movement.In a world where nearly 1 person is forcibly displaced every two seconds as a result of conflict or persecution" - UNHCR - - `movement.In `_ `UNHCR `_ - - @@ -58,47 +43,28 @@ Our dream is supporting social and economic inclusion of refugees worldwide by d -A short description of the program and technology can be found here: +A short description of the program and technology can be found `here `_: - -A short description of the program and technology can be found here: - - `here `_ - .. image:: images/blog/refugee-inclusive64.webp - * Donations and Cash Transfer funds the initial reserve for the creation of RICCs tokens - * Red Cross, together with Grassroots Economics, works with a local community to ensure buy-in and understanding and trains local ambassadors who train users and distribute RICCs for local barter trade among regional communities. - * Local circulation of RICCs among and between communities enables economic development and integration while gathering evidence for those who should receive additional aid. - * KYC’ed users are able to convert RICCs to eMoney and the aid pool can be refilled through local and international support and investment. - **Previous Success with Grassroots Economics and Red Cross working to end Chronic Need:** +* Donations and Cash Transfer funds the initial reserve for the creation of RICCs tokens +* Red Cross, together with Grassroots Economics, works with a local community to ensure buy-in and understanding and trains local ambassadors who train users and distribute RICCs for local barter trade among regional communities. +* Local circulation of RICCs among and between communities enables economic development and integration while gathering evidence for those who should receive additional aid. +* KYC’ed users are able to convert RICCs to eMoney and the aid pool can be refilled through local and international support and investment. + +| + +**Previous Success with Grassroots Economics and Red Cross working to end Chronic Need:** -Grassroots Economics came in at the tail end of a Cash For Work program in (Red Cross Kwale-Kenya and WFP). We were invited into the existing Red Cross organized and trained group in Miyani Village and empowered them with the ability to create their own voucher system with the goal of continuing the Red Cross communal farming efforts. The vouchers (Miyani-Pesa) have enabled the community to pay their members to do the communal farming work in the same manner as Red Cross - and the community accepts the vouchers back in many locations (such as maize milling) - creating local circulation and economic development (going back to an economy that thrived over a hundred years in their culture pre-colonization). In the area around Miyani there are currently close to 2000 users of the Vouchers (now blockchain Tokens with the Bancor Protocol) trading roughly 500,000 Kenyan shillings a month for basic food security and other needs. The Miyani FDP (Food Distribution Point). Due to this work the Miyani Group that Red Cross developed and trained to do Cash For Work is the only one remaining in the entire county still doing their communal activities due. - - **Grassroots Economics came in at the tail end of a Cash For Work program in (Red Cross Kwale-Kenya and WFP). We were invited into the existing Red Cross organized and trained group in Miyani Village and empowered them with the ability to create their own voucher system with the goal of continuing the Red Cross communal farming efforts. The vouchers (Miyani-Pesa) have enabled the community to pay their members to do the communal farming work in the same manner as Red Cross - and the community accepts the vouchers back in many locations (such as maize milling) - creating local circulation and economic development (going back to an economy that thrived over a hundred years in their culture pre-colonization). In the area around Miyani there are currently close to 2000 users of the Vouchers (now blockchain Tokens with the Bancor Protocol) trading roughly 500,000 Kenyan shillings a month for basic food security and other needs. The Miyani FDP (Food Distribution Point). Due to this work the Miyani Group that Red Cross developed and trained to do Cash For Work is the only one remaining in the entire county still doing their communal activities due.** +Grassroots Economics came in at the tail end of a Cash For Work program in (Red Cross Kwale-Kenya and WFP). We were invited into the existing Red Cross organized and trained group in Miyani Village and empowered them with the ability to create their own voucher system with the goal of continuing the Red Cross communal farming efforts. The vouchers (Miyani-Pesa) have enabled the community to pay their members to do the communal farming work in the same manner as Red Cross - and the community accepts the vouchers back in many locations (such as maize milling) - creating local circulation and economic development (going back to an economy that thrived over a hundred years in their culture pre-colonization). In the area around Miyani there are currently close to 2000 users of the Vouchers (now blockchain Tokens with the Bancor Protocol) trading roughly 500,000 Kenyan shillings a month for basic food security and other needs. The Miyani FDP (Food Distribution Point). **Due to this work the Miyani Group that Red Cross developed and trained to do Cash For Work is the only one remaining in the entire county still doing their communal activities due.** -#refugee #redcross #refugeecrisis +`#refugee `_ `#redcross `_ `#refugeecrisis `_ - -#refugee #redcross #refugeecrisis - - `#refugee `_ - -#refugee - - `#redcross `_ - -#redcross - - `#refugeecrisis `_ - -#refugeecrisis - diff --git a/content/blog/regenerative-agriculture.rst b/content/blog/regenerative-agriculture.rst index 1cfa55d..1863a8b 100644 --- a/content/blog/regenerative-agriculture.rst +++ b/content/blog/regenerative-agriculture.rst @@ -8,21 +8,14 @@ -.. image:: images/blog/regenerative-agriculture18.webp +.. image:: images/blog/regenerative-agriculture1.webp -The 17th of December 2020, I visited Syntropic Agroforestry demo plots with Wilfred Chibwara in Kwale which are utilizing community currency to support setup and maintenance and will be redeemed for food as harvest begin. Thanks to initial trainings by Roland van Reenen they have come a long way from when they started. Special thanks to Mwanaidi Ibrahim, Naduwa Mwero and Jacob Mwatumbi for all their hard work! Here are my observations and recommendations: +The 17th of December 2020, I visited Syntropic Agroforestry demo plots with Wilfred Chibwara in Kwale which are utilizing community currency to support setup and maintenance and will be redeemed for food as harvest begin. Thanks to initial trainings by `Roland `_ they have come a long way from when they `started `_. Special thanks to Mwanaidi Ibrahim, Naduwa Mwero and Jacob Mwatumbi for all their hard work! Here are my observations and recommendations: - -The 17th of December 2020, I visited Syntropic Agroforestry demo plots with Wilfred Chibwara in Kwale which are utilizing community currency to support setup and maintenance and will be redeemed for food as harvest begin. Thanks to initial trainings by Roland van Reenen they have come a long way from when they started. Special thanks to Mwanaidi Ibrahim, Naduwa Mwero and Jacob Mwatumbi for all their hard work! Here are my observations and recommendations: - - - -The 17th of December 2020, I visited Syntropic Agroforestry demo plots with Wilfred Chibwara in Kwale which are utilizing community currency to support setup and maintenance and will be redeemed for food as harvest begin. Thanks to initial trainings by Roland van Reenen they have come a long way from when they started. Special thanks to Mwanaidi Ibrahim, Naduwa Mwero and Jacob Mwatumbi for all their hard work! Here are my observations and recommendations: - - `Roland `_ `started `_ **Visit to Miyani Syntropic Agroforestry Farm.** +**Visit to Miyani Syntropic Agroforestry Farm.** In the first demo plot, besides the trees, bananas, and casava different crops were planted including maize, cucumber and okra. Currently, maize has matured and will be harvested soon! It is looking much better than nearby mono-cropped farms which we hope will soon adopt the technique. Cucumber and okra will also start producing in the coming weeks. A few more crops are now being planted including kale and capsicum but the planting is very sparse. @@ -43,14 +36,14 @@ Another tall crop such as sunflower should be planted to replace the maize. Sunf Recommendations. - * Ensure that the soil is completely covered with thick mulch. This can be any type of plant matter be it grass, weeds and tree leaves. Cover the entire bed, on top and the sides. Secondly, mulch all the paths with logs and tree branches. Mulching will help preserve water in the soil and keep off weeds. Additionally, when the mulch decomposes it will add into the soil organic matter. - * Start planting a living hedge around the demo plots. This will act as a windbreak and a sunscreen to reduce the intensity of the sun. The plot is highly exposed to the elements and would result in slow growth of crops. - * Plant intensively and diverse crops in every space. Currently, only a few crops have been planted. These crops are also sparsely planted. This is not efficient use of space and water. Fill up all the empty spaces with different crops such as nitrogen fixers e.g cow peas (kunde) and pigeon peas (mbaazi), insect repellents such as dhania and lemon grass to keep away pests, flowering crops to attract pollinators and pest predators and increase the the number of biomass crops. These include vetiver grass, moringa, nappier grass and tithonia. This will ensure that there's continuous production of biomass which will be used to cover and build the soil. +* **Ensure that the soil is completely covered with thick mulch.** This can be any type of plant matter be it grass, weeds and tree leaves. Cover the entire bed, on top and the sides. Secondly, mulch all the paths with logs and tree branches. Mulching will help preserve water in the soil and keep off weeds. Additionally, when the mulch decomposes it will add into the soil organic matter. +* **Start planting a living hedge around the demo plots.** This will act as a windbreak and a sunscreen to reduce the intensity of the sun. The plot is highly exposed to the elements and would result in slow growth of crops. +* **Plant intensively and diverse crops in every space.** Currently, only a few crops have been planted. These crops are also sparsely planted. This is not efficient use of space and water. Fill up all the empty spaces with different crops such as nitrogen fixers e.g cow peas (kunde) and pigeon peas (mbaazi), insect repellents such as dhania and lemon grass to keep away pests, flowering crops to attract pollinators and pest predators and increase the the number of biomass crops. These include vetiver grass, moringa, nappier grass and tithonia. This will ensure that there's continuous production of biomass which will be used to cover and build the soil. -It takes a while to get accustomed to how intensely one can plant when coming from the usual mono-crop farming - Kai Njeri +It takes a while to get accustomed to how intensely one can plant when coming from the usual mono-crop farming - `Kai Njeri `_ + - `Kai Njeri `_ .. image:: images/blog/regenerative-agriculture103.webp @@ -58,7 +51,7 @@ It takes a while to get accustomed to how intensely one can plant when coming fr In conclusion, the group has done a great job in starting up the projects. Seeing even this level of growth in a semi-arid environment that was classified as food-insecure is amazing. However, the groups will need support on the succession in the next round of crops and to continue monitoring. The motivation of the community given by accepting community currency will eventually be repaid with their ability to use it to purchase food from the farm. Motivation to continue maintaining the gardens is especially important during the first year of establishment. This is due to the fact that during the first year that's when most of the challenges crop up, such as pests and disease, crop failures and building of the soil. - **I look forward to supporting them through this journey!** +**I look forward to supporting them through this journey!** Kind regards, @@ -67,4 +60,4 @@ Kind regards, James Thiong'o - `Permaculture Design, Organic Farming and Regenerative Agriculture Consultant `_ \ No newline at end of file +`Permaculture Design, Organic Farming and Regenerative Agriculture Consultant `_ \ No newline at end of file diff --git a/content/blog/registration-and.rst b/content/blog/registration-and.rst index 03f81ea..0cf29c9 100644 --- a/content/blog/registration-and.rst +++ b/content/blog/registration-and.rst @@ -44,28 +44,6 @@ She’s a 49 year-old main provider for a household of 8, including 4 children. -Meet Rose Ouma! - -She’s a 49 year-old main provider for a household of 8, including 4 children. She was born in Suba, in Western Province of Kenya, but she moved from her home upcountry and now she lives in Ganahola, another one of the communities where we are hoping to spread complementary currencies. - - - -Meet Rose Ouma! - -She’s a 49 year-old main provider for a household of 8, including 4 children. She was born in Suba, in Western Province of Kenya, but she moved from her home upcountry and now she lives in Ganahola, another one of the communities where we are hoping to spread complementary currencies. - - - -Meet Rose Ouma! - -She’s a 49 year-old main provider for a household of 8, including 4 children. She was born in Suba, in Western Province of Kenya, but she moved from her home upcountry and now she lives in Ganahola, another one of the communities where we are hoping to spread complementary currencies. - - - -Meet Rose Ouma! - -She’s a 49 year-old main provider for a household of 8, including 4 children. She was born in Suba, in Western Province of Kenya, but she moved from her home upcountry and now she lives in Ganahola, another one of the communities where we are hoping to spread complementary currencies. - Rose supports her large family selling “omena” which are small (about the size of a pen cap) dried fish which are a very popular source of protein and iron, often whole eaten deep fried or stewed. She sells one kilogram of omena for less than $2. On good days, she sells around $11 worth of omena. On bad days, she might only have one customer, selling only $2 worth of omena. On those days, Rose doesn’t earn enough money to pay for her families basic needs and some of her stock may rot or be eaten by her family, reducing her earning potential in the future. diff --git a/content/blog/retreat-and.rst b/content/blog/retreat-and.rst index d36ff75..3b4b93d 100644 --- a/content/blog/retreat-and.rst +++ b/content/blog/retreat-and.rst @@ -12,7 +12,7 @@ -.. image:: images/blog/retreat-and21.webp +.. image:: images/blog/retreat-and1.webp @@ -35,25 +35,16 @@ At the renewal event each active member could return up to 400 expired Bangla-Pe - Also in September was our first formal retreat/workshop with three Community Currency Trading Networks in Nairobi. The workshop had 30 attendees from the committees and key members and stakeholders from networks in Kibera (Lindi-Pesa), Kangemi (Kangemi-Pesa) and Kawangware (Gatina-Pesa) including Nyendo-lernen a program focused on schools in the area. The retreat covered: - - -Also in September was our first formal retreat/workshop with three Community Currency Trading Networks in Nairobi. The workshop had 30 attendees from the committees and key members and stakeholders from networks in Kibera (Lindi-Pesa), Kangemi (Kangemi-Pesa) and Kawangware (Gatina-Pesa) including Nyendo-lernen a program focused on schools in the area. The retreat covered: - - - -Also in September was our first formal retreat/workshop with three Community Currency Trading Networks in Nairobi. The workshop had 30 attendees from the committees and key members and stakeholders from networks in Kibera (Lindi-Pesa), Kangemi (Kangemi-Pesa) and Kawangware (Gatina-Pesa) including Nyendo-lernen a program focused on schools in the area. The retreat covered: - - * The current situation of Complementary and Community Currencies world wide - * Strategies for new business creation including permaculture based school gardens. - * Challenges and Discussion around Community Currency usage - * Sharing and examples from members and school groups on how Community Currency is being used effectively. - * Study of the user guide, field guide and directories - * Roles and responsibilities of Business Network Committees - * Savings and Loan programs - * Planning until the end of the year. +* The current situation of Complementary and Community Currencies world wide +* Strategies for new business creation including permaculture based school gardens. +* Challenges and Discussion around Community Currency usage +* Sharing and examples from members and school groups on how Community Currency is being used effectively. +* Study of the user guide, field guide and directories +* Roles and responsibilities of Business Network Committees +* Savings and Loan programs +* Planning until the end of the year. Thanks for our guest speakers Guida Santos, Tristan Dissaux, Robin Gerbaux and Irmgard Wutte. diff --git a/content/blog/roller-derby.rst b/content/blog/roller-derby.rst index db4fe70..38f9dde 100644 --- a/content/blog/roller-derby.rst +++ b/content/blog/roller-derby.rst @@ -12,16 +12,6 @@ Last Sunday marked the culmination of partnerships with an unexpected collection -Last Sunday marked the culmination of partnerships with an unexpected collection of people who came together to support the education and reproductive health of school-aged girls in Kenya. The Oklahoma City Outlaws Roller Derby team (http://www.okcbankedtrackrollerderby.com/), and the 501st Legion (http://www.501st.com/), a Star Wars fan club and charity/volunteer organization, can together for PANTY WARS. - - - -Last Sunday marked the culmination of partnerships with an unexpected collection of people who came together to support the education and reproductive health of school-aged girls in Kenya. The Oklahoma City Outlaws Roller Derby team (http://www.okcbankedtrackrollerderby.com/), and the 501st Legion (http://www.501st.com/), a Star Wars fan club and charity/volunteer organization, can together for PANTY WARS. - - `http://www.okcbankedtrackrollerderby.com/ `_ `http://www.501st.com/ `_ - - - Panty Wars was a special roller derby bout dedicated to collecting panties and funds for school girls in Kenya. While many school girls receive sanitary pads through the Government of Kenya, poor and vulnerable girls frequently lack panties in which to place sanitary pads. As a result, they miss about a week of school each month during their periods (read more here link). Derby Girls and the Star Wars fans alike objected to this unnecessary barrier to girls’ education, and they decided to do something about it. diff --git a/content/blog/rural-community.rst b/content/blog/rural-community.rst index 96e1e58..6bca800 100644 --- a/content/blog/rural-community.rst +++ b/content/blog/rural-community.rst @@ -9,7 +9,7 @@ - +.. image:: images/blog/rural-community1.webp The Miyani area in Kenya has been identified by Red Cross and the World Food Program as food insecure for over 5 years. Red Cross along with WFP have been providing cash to the community and promoting agroforestry along with Green World Campaign. These programs have been wonderful but there has been little to no introduction of new businesses or jobs to really allow that cash to circulate in the community. Instead injections of cash into these areas quickly funnel back out of the area to do things like milling maize. @@ -52,21 +52,9 @@ Environmental Service Credits: In addition to creating a credit that moves throu -#communitycurrencies #foodsecurity #miyani + +`#communitycurrencies `_ `#foodsecurity `_ `#miyani `_ -#communitycurrencies #foodsecurity #miyani - - `#communitycurrencies `_ - -#communitycurrencies - - `#foodsecurity `_ - -#foodsecurity - - `#miyani `_ - -#miyani diff --git a/content/blog/rural-miyani-pesa.rst b/content/blog/rural-miyani-pesa.rst index c1bd648..031bc43 100644 --- a/content/blog/rural-miyani-pesa.rst +++ b/content/blog/rural-miyani-pesa.rst @@ -7,7 +7,7 @@ - +.. image:: images/blog/rural-miyani-pesa1.webp @@ -40,29 +40,8 @@ Environmental Service Credits: In addition to creating a credit that moves throu -#rural #maizebacked #miyani #communitycurrencies - -#rural #maizebacked #miyani #communitycurrencies +`#rural `_ `#maizebacked `_ `#miyani `_ `#communitycurrencies `_ - -#rural #maizebacked #miyani #communitycurrencies - - `#rural `_ - -#rural - - `#maizebacked `_ - -#maizebacked - - `#miyani `_ - -#miyani - - `#communitycurrencies `_ - -#communitycurrencies - diff --git a/content/blog/rural-sarafu.rst b/content/blog/rural-sarafu.rst index 3ee5082..61d84f2 100644 --- a/content/blog/rural-sarafu.rst +++ b/content/blog/rural-sarafu.rst @@ -8,7 +8,7 @@ -.. image:: images/blog/rural-sarafu18.webp +.. image:: images/blog/rural-sarafu1.webp @@ -19,6 +19,11 @@ Rosemary Owino is a widow from Siaya village in Siaya County. She has wanted des She was able to join a women's group (chama) called Kwe Kende - A group that trades and supports each other using Sarafu (a Community Inclusion Currency (CIC) which is created and traded on a blockchain using simple feature phones with no internet). Through this chama, Rosemary has been able to find support within the network and she has been able to sell her fish in both Sarafu and Kenyan Shillings. +.. raw:: html + + + + Rosemary cites that Sarafu has created possibility for sustainable living within her community. Through Sarafu, her fish sales have increased and she has been able to save the Kenyan Shillings that she then uses to pay her children's school fee. She has also been able to meet her needs through getting other goods like: flour, tomatoes, vegetables, water and charcoal among other goods from the Sarafu users in her network. @@ -28,14 +33,10 @@ Rosemary is grateful to use Sarafu and says "It helps me practice the sharing ou -Overall the Sarafu Network of CIC users in Kenya is comprised primarily of 40,000 users in both urban and rural areas. Roughly 50% of the network is rural and has traded over 100Million Sarafu tokens this year (valued locally at roughly 1 Million USD of goods and services) between each other to offer basic support and trade goods and services. The majority of the trade is for contributions to chamas and church groups, food stuffs, farming and other labor. In October 2020 rural users traded over 8Million Sarafu among each other for food stuffs alone. +Overall the `Sarafu Network `_ of CIC users in Kenya is comprised primarily of 40,000 users in both urban and rural areas. Roughly 50% of the network is rural and has traded over 100Million Sarafu tokens this year (valued locally at roughly 1 Million USD of goods and services) between each other to offer basic support and trade goods and services. The majority of the trade is for contributions to chamas and church groups, food stuffs, farming and other labor. In October 2020 rural users traded over 8Million Sarafu among each other for food stuffs alone. -Overall the Sarafu Network of CIC users in Kenya is comprised primarily of 40,000 users in both urban and rural areas. Roughly 50% of the network is rural and has traded over 100Million Sarafu tokens this year (valued locally at roughly 1 Million USD of goods and services) between each other to offer basic support and trade goods and services. The majority of the trade is for contributions to chamas and church groups, food stuffs, farming and other labor. In October 2020 rural users traded over 8Million Sarafu among each other for food stuffs alone. - - `Sarafu Network `_ - The economic outlook in rural Kenya is not good right now; as less and less Kenyan Shillings reach rural areas markets have began to collapse. CICs like Sarafu help keep markets moving and communities together. diff --git a/content/blog/rural-villages.rst b/content/blog/rural-villages.rst index 23a67c7..2c06b28 100644 --- a/content/blog/rural-villages.rst +++ b/content/blog/rural-villages.rst @@ -16,7 +16,7 @@ Communities can support each other and keep vital food systems and trade alive u -.. image:: images/blog/rural-villages24.webp +.. image:: images/blog/rural-villages1.webp @@ -29,23 +29,6 @@ Tsuma Njirai is a cereal seller at Makobeni village has been selling cow peas a - - - - - - - - - - - - - - - - - Jowa Omari has a barber shop in Vikolani village. He has been accepting Sarafu anytime someone comes to shave his head. Because of the pandemic, he is aware that most people are doing self quarantine hence he has decided to accept more Sarafu in his business of which he will later use the Sarafu to purchase goods from the same clients and also contribute to a community support group. @@ -68,37 +51,6 @@ Omar Katana is a tailor from Katundani Village. She has been accepting Sarafu in - - - - - - - -#foodsecurity #covid19 #coronavirus #rural - - - -#foodsecurity #covid19 #coronavirus #rural - - - -#foodsecurity #covid19 #coronavirus #rural - - `#foodsecurity `_ - -#foodsecurity - - `#covid19 `_ - -#covid19 - - `#coronavirus `_ - -#coronavirus - - `#rural `_ - -#rural +`#foodsecurity `_ `#covid19 `_ `#rural `_ diff --git a/content/blog/sarafu-cooperative.rst b/content/blog/sarafu-cooperative.rst index ba288ab..4563507 100644 --- a/content/blog/sarafu-cooperative.rst +++ b/content/blog/sarafu-cooperative.rst @@ -24,7 +24,7 @@ We started these 3 groups back in 2015 in Kibera, Kangemi and Kawangware, and we -.. image:: images/blog/sarafu-cooperative30.webp +.. image:: images/blog/sarafu-cooperative1.webp diff --git a/content/blog/sarafu-credit-takes.rst b/content/blog/sarafu-credit-takes.rst index 95f9aef..5bcc750 100644 --- a/content/blog/sarafu-credit-takes.rst +++ b/content/blog/sarafu-credit-takes.rst @@ -6,7 +6,7 @@ :summary: We began the year by looking at our successes and challenges with five Kenyan community currencies in 2015. Out of this came the... - +.. image:: images/blog/sarafu-credit-takes1.webp @@ -32,13 +32,7 @@ Permaculture Gardens in the schools of Bangladesh's Bangla-Pesa program near Mom -#permaculture #communitycurrencies - `#permaculture `_ +`#permaculture `_ `#communitycurrencies `_ -#permaculture - - `#communitycurrencies `_ - -#communitycurrencies diff --git a/content/blog/sarafu-network.rst b/content/blog/sarafu-network.rst index ea9a267..91e8baf 100644 --- a/content/blog/sarafu-network.rst +++ b/content/blog/sarafu-network.rst @@ -10,9 +10,9 @@ This year started off intense then became insane starting in April and through it all the Grassroots Economics team, community groups and partners managed to do some amazing work to pull communities together to support each other during crisis. - ` `_ +http://dashboard.sarafu.network -.. image:: images/blog/sarafu-network17.webp +.. image:: images/blog/sarafu-network1.webp @@ -28,10 +28,10 @@ We've reached nearly 90Million worth (~900,000 USD) of Community Inclusion Curre -While most Sarafu users are in rural areas such as Kwale, there has been a huge focus by the Red Cross in piloting in Mukuru since April (an informall settlement in Nairobi) and the results there speak for themselves with over 60Million Sarafu (~600,000 USD) traded among people trying to support eachother during Covid times. The cost of these programs is a very small fraction (roughly a 17X multiplier) of the impacts we are seeking and as they become more and more self-sustainable through village created CICs we expect this multiplier to just keep increasing. It's amazing! +While most Sarafu users are in rural areas such as Kwale, there has been a huge focus by the Red Cross in piloting in Mukuru since April (an informall settlement in Nairobi) and the results there speak for themselves with over 60Million Sarafu (~600,000 USD) traded among people trying to support eachother during Covid times. The cost of these programs is a very small fraction (roughly a 17X multiplier) of the impacts we are seeking and as they become more and more self-sustainable through village created CICs we expect this multiplier to just keep increasing. **It's amazing!** - **While most Sarafu users are in rural areas such as Kwale, there has been a huge focus by the Red Cross in piloting in Mukuru since April (an informall settlement in Nairobi) and the results there speak for themselves with over 60Million Sarafu (~600,000 USD) traded among people trying to support eachother during Covid times. The cost of these programs is a very small fraction (roughly a 17X multiplier) of the impacts we are seeking and as they become more and more self-sustainable through village created CICs we expect this multiplier to just keep increasing. It's amazing!** - **What's Going on!** + +**What's Going on!** The Sarafu token (CIC) was meant to be a short term solution. We merged 11 Community Currencies last year into the Sarafu token in order to move to a different set of software with the goal of open up communities to create their own tokens by February this year.... but we got delayed in terms of software development. Then Covid hit and we started distributing more and more Sarafu to the many many more people who wanted to using it to form barter networks. @@ -44,18 +44,22 @@ Right now we are working hard to enable these community groups shown above to cr Economies around the world are in a state of shock, and collapse. Already fragile communities are really suffering already. Thank goodness there was a good harvest in Kenya this season - but it won't last long. We hope these tools will provide a public infrastructure that helps communities weather this crisis and thrive but the work needs a lot of support. - **What's Next?** - * We are making steps from Proof of Concept to supporting communities across Kenya and continuing to develop open source tools for communities around the world. - * As the groups collect their Sarafu this month and next inorder to create their own CICs we expect Sarafu trade to drop then multiple CIC trade to start in September/October. Excited to see the Sarafu token converted / liquidated and its reserve used as the seed (collateral pool) for over 40 CICs by the end of this year. - * On the tech side we are extremely excited about bloxberg.org and looking at bridging all kinds of potential reserve tokens like XCHF. - `bloxberg.org `_ `XCHF `_ * Expanding on and helping the greater world in understanding the basic Potluck model of CIC creation as it is used in Kenyan villages and potentially far beyond. - `Potluck `_ **What we need!** - * Programmers! See our GitLab. (also some good links there for training materials) - `GitLab `_ * Research and data analysis to understand more about how CICs are being used and how they can be used / created better. - * Simulation and Modeling for these systems in different areas. - `Modeling `_ * Community, faith based and business networks that want to create sustainable supply chains and food security. - * Funding! We are only able to build these systems if we can support our team. - * Direct Community Support - You, Donors and Impact investors can give directly to people in dire need either through CICs or via Mpesa right to their telephone in Kenya. - * Contact us to get more involved! - `Contact us to get more involved! `_ * Visit us on Telegram for discussions - `Visit us on Telegram `_ \ No newline at end of file +**What's Next?** + +* We are making steps from Proof of Concept to supporting communities across Kenya and continuing to develop open source tools for communities around the world. +* As the groups collect their Sarafu this month and next inorder to create their own CICs we expect Sarafu trade to drop then multiple CIC trade to start in September/October. Excited to see the Sarafu token converted / liquidated and its reserve used as the seed (collateral pool) for over 40 CICs by the end of this year. +* On the tech side we are extremely excited about `bloxberg.org `_ and looking at bridging all kinds of potential reserve tokens like `XCHF `_. +* Expanding on and helping the greater world in understanding the basic `Potluck `_ model of CIC creation as it is used in Kenyan villages and potentially far beyond. + + +**What we need!** + + +* Programmers! See our `GitLab `_. (also some good links there for training materials) +* Research and data analysis to understand more about how CICs are being used and how they can be used / created better. +* Simulation and `Modeling `_ for these systems in different areas. +* Community, faith based and business networks that want to create sustainable supply chains and food security. +* Funding! We are only able to build these systems if we can support our team. +* Direct Community Support - You, Donors and Impact investors can give directly to people in dire need either through CICs or via Mpesa right to their telephone in Kenya. +* `Contact us to get more involved! `_ to get more involved! +* Visit us on `Visit us on Telegram `_ for discussions diff --git a/content/blog/school-fees.rst b/content/blog/school-fees.rst index a9f74c8..2241f15 100644 --- a/content/blog/school-fees.rst +++ b/content/blog/school-fees.rst @@ -24,7 +24,7 @@ This way parents can pay for part of their childrens' education with their own g -.. image:: images/blog/school-fees30.webp +.. image:: images/blog/school-fees1.webp @@ -32,17 +32,7 @@ This way parents can pay for part of their childrens' education with their own g - +`#schoolfees `_ `#bangla `_ -#schoolfees #bangla - - `#schoolfees `_ - -#schoolfees - - `#bangla `_ - -#bangla - diff --git a/content/blog/self-funded-regenerative.rst b/content/blog/self-funded-regenerative.rst index 5362244..e1ca75f 100644 --- a/content/blog/self-funded-regenerative.rst +++ b/content/blog/self-funded-regenerative.rst @@ -1,6 +1,6 @@ :title: Self-Funded Regenerative Agriculture Kwale Site January Visit :author: James Thiong’o -:date: Jan 14 +:date: Jan 14 2021 :slug: self-funded-regenerative :summary: Based on the design found in the Kwale Sites the above poster was created by W.Ruddick On 11th January 2021, I visited Miyani Demo Plot... @@ -8,9 +8,10 @@ -.. image:: images/blog/self-funded-regenerative18.webp +.. image:: images/blog/self-funded-regenerative1.webp - *Based on the design found in the Kwale Sites the above poster was created by W.Ruddick* + +*Based on the design found in the Kwale Sites the above poster was created by W.Ruddick* On 11th January 2021, I visited Miyani Demo Plot to monitor the progress made a month later after my visit in December. It had rained the previous day therefore crops looked healthy while the temperature was cool. For the past one month, maize had already been harvested and maize stalks used to mulch on the beds. Some vegetables such as capsicum/sweet pepper had been planted in the mid rows of the beds. In the nursery a variety of indigenous vegetables including amaranth and night shade were sprouting and will be ready for transplanting in a few weeks. @@ -34,10 +35,11 @@ However, a few challenges exist including pests and disease. Aphids have attacke Topics covered. +********************* -1. Planting succession. +**1. Planting succession.** @@ -65,7 +67,7 @@ Use of local, organic and indigenous seeds is encouraged. These seeds are adapte -2. Mulching. +**2. Mulching.** @@ -77,7 +79,7 @@ Various plant matter can be used including grasses, weeds and crop residues. We -3. Organic Pest Control. +**3. Organic Pest Control.** * We covered Integrated Pest Management which is a holistic method for solving pest and disease problems. * Using Biological methods by creating habitats for beneficial insects and organisms, growing diverse crops and planting repellents such as onions, lemon grass and chillies. diff --git a/content/blog/shrimp-fishing.rst b/content/blog/shrimp-fishing.rst index 51d6f19..d5683a0 100644 --- a/content/blog/shrimp-fishing.rst +++ b/content/blog/shrimp-fishing.rst @@ -8,7 +8,7 @@ -.. image:: images/blog/shrimp-fishing18.webp +.. image:: images/blog/shrimp-fishing1.webp @@ -36,13 +36,7 @@ What if this flow of resources didn't depend on access to scares Kenyan Shilling -Communities in rural areas near Mombasa are doing just that. They join a network of local businesses and receive a free credit of 400 Tokens (soft-peg to National currency). Once various loops of trade (like above fishing->storage->cooking->school fees->fishing) are decoupled from scare or volatile Kenyan Shillings we are seeing a lot more is possible in developing local resilient economies. The ability for community members to support one another in times of need begins to grow - reaching back to a time before the introduction National Currencies when community members would take turns working on each others fields and fixing each others houses. - - *Communities in rural areas near Mombasa are doing just that. They join a network of local businesses and receive a free credit of 400 Tokens (soft-peg to National currency). Once various loops of trade (like above fishing->storage->cooking->school fees->fishing) are decoupled from scare or volatile Kenyan Shillings we are seeing a lot more is possible in developing local resilient economies. The ability for community members to support one another in times of need begins to grow - reaching back to a time before the introduction National Currencies when community members would take turns working on each others fields and fixing each others houses.* - - -Communities in rural areas near Mombasa are doing just that. They join a network of local businesses and receive a free credit of 400 Tokens (soft-peg to National currency). Once various loops of trade (like above fishing->storage->cooking->school fees->fishing) are decoupled from scare or volatile Kenyan Shillings we are seeing a lot more is possible in developing local resilient economies. The ability for community members to support one another in times of need begins to grow - reaching back to a time before the introduction National Currencies when community members would take turns working on each others fields and fixing each others houses. - +Communities in rural areas near Mombasa are doing just that. They join a network of local businesses and receive a free credit of 400 Tokens (soft-peg to National currency). Once various loops of trade (like above *fishing->storage->cooking->school fees->fishing*) are decoupled from scare or volatile Kenyan Shillings we are seeing a lot more is possible in developing local resilient economies. The ability for community members to support one another in times of need begins to grow - reaching back to a time before the introduction National Currencies when community members would take turns working on each others fields and fixing each others houses. @@ -53,29 +47,7 @@ What is perhaps most exciting right now is the usage of Community Currencies in -#fishing #economics #Miyani #Mombasa + +`#fishing `_ `#economics `_ `#Miyani `_ `#Mombasa `_ - -#fishing #economics #Miyani #Mombasa - - - -#fishing #economics #Miyani #Mombasa - - `#fishing `_ - -#fishing - - `#economics `_ - -#economics - - `#Miyani `_ - -#Miyani - - `#Mombasa `_ - -#Mombasa - diff --git a/content/blog/skylife-school.rst b/content/blog/skylife-school.rst index a8538f4..5f62c8b 100644 --- a/content/blog/skylife-school.rst +++ b/content/blog/skylife-school.rst @@ -8,7 +8,7 @@ -.. image:: images/blog/skylife-school18.webp +.. image:: images/blog/skylife-school1.webp diff --git a/content/blog/smep-oiko-credit.rst b/content/blog/smep-oiko-credit.rst index abce12c..91cbe56 100644 --- a/content/blog/smep-oiko-credit.rst +++ b/content/blog/smep-oiko-credit.rst @@ -8,7 +8,7 @@ -.. image:: images/blog/smep-oiko-credit18.webp +.. image:: images/blog/smep-oiko-credit1.webp @@ -42,7 +42,7 @@ The kind of package SMEP is offering is indeed a group loan but being issued to In other news - Francis Wanjala reports: the Gatina Business Organization (GBO) has issued loans to 5 members using Community Currency (Gatina-Pesa) of roughly 30k. In their previous meeting the members started paying back the loans and the GBO has so far received Ksh.9500 in repayment, which is quite exciting. These members reported that the money has helped to boost stock. - `#kangemi `_ +`#kangemi `_ + -#kangemi diff --git a/content/blog/smes-the.rst b/content/blog/smes-the.rst index b64ff1d..4f0adff 100644 --- a/content/blog/smes-the.rst +++ b/content/blog/smes-the.rst @@ -1,6 +1,6 @@ :title: SMEs the missing link in Circular Economies :author: Shaila Agha -:date: May 18 +:date: May 18 2021 :slug: smes-the :summary: Organizations merely have to choose whether to help their local community, or pay taxes to a government whose reach is never felt in these s @@ -8,7 +8,7 @@ -.. image:: images/blog/smes-the18.webp +.. image:: images/blog/smes-the1.webp diff --git a/content/blog/social-entrepreneurship.rst b/content/blog/social-entrepreneurship.rst index 603dfcf..68a2037 100644 --- a/content/blog/social-entrepreneurship.rst +++ b/content/blog/social-entrepreneurship.rst @@ -12,29 +12,21 @@ Africa’s 2nd largest Social Entrepreneurship Conference was held at Tangaza Un -.. image:: images/blog/social-entrepreneurship21.webp +.. image:: images/blog/social-entrepreneurship1.webp - *Grassroots Team at AACOSE in Tangaza University.* +*Grassroots Team at AACOSE in Tangaza University.* -Themed Contextualizing and shaping social entrepreneurship in Africa, this conference attracted over 700 participants who included social entrepreneurs practitioners, policy makers, investors, community leaders and academicians across Africa. +Themed *Contextualizing and shaping social entrepreneurship in Africa*, this conference attracted over 700 participants who included social entrepreneurs practitioners, policy makers, investors, community leaders and academicians across Africa. - *Themed Contextualizing and shaping social entrepreneurship in Africa, this conference attracted over 700 participants who included social entrepreneurs practitioners, policy makers, investors, community leaders and academicians across Africa.* - - -Themed Contextualizing and shaping social entrepreneurship in Africa, this conference attracted over 700 participants who included social entrepreneurs practitioners, policy makers, investors, community leaders and academicians across Africa. - - - - @@ -76,7 +68,7 @@ So far this economic system has empowered the “unbanked poor” by linking sma - *Lucy Akinyi, a Sarafu-Credit (Lindi Pesa) user from Kibera.* +*Lucy Akinyi, a Sarafu-Credit (Lindi Pesa) user from Kibera.* @@ -143,65 +135,19 @@ And since these social enterprises need donor fund and sponsorships in order to -Want to participate, subscribe to our newsletter to never miss an update! +Want to participate, `subscribe `_ to our newsletter to never miss an update! -Want to participate, subscribe to our newsletter to never miss an update! - - `subscribe `_ - You can also drop us a comment on our social media pages, and don't forget to -click on the website www.grassrootseconomics.org to find out more on Sarafu-Credit. +click on the website `www.grassrootseconomics.org `_ to find out more on Sarafu-Credit. -click on the website www.grassrootseconomics.org to find out more on Sarafu-Credit. - - `www.grassrootseconomics.org `_ - - - - - -#AACOSE2018 #Socialentrepreneurship #SarafuCredit #SDG #Bancor - - - -#AACOSE2018 #Socialentrepreneurship #SarafuCredit #SDG #Bancor - - - -#AACOSE2018 #Socialentrepreneurship #SarafuCredit #SDG #Bancor - - - -#AACOSE2018 #Socialentrepreneurship #SarafuCredit #SDG #Bancor - - `#AACOSE2018 `_ - -#AACOSE2018 - - `#Socialentrepreneurship `_ - -#Socialentrepreneurship - - `#SarafuCredit `_ - -#SarafuCredit - - `#SDG `_ - -#SDG - - `#Bancor `_ - -#Bancor - diff --git a/content/blog/static-vs.rst b/content/blog/static-vs.rst index f34abea..02b7841 100644 --- a/content/blog/static-vs.rst +++ b/content/blog/static-vs.rst @@ -1,6 +1,6 @@ :title: Static vs Bonded Liquidity Pools for CICs :author: Will Ruddick -:date: Jan 16 +:date: Jan 16 2021 :slug: static-vs :modified: Jan 19 :summary: As communities create their Community Inclusion Currencies as a credit against their future production, projects and excess capacity,... @@ -16,15 +16,8 @@ For the blockchain and #defi folks they are probably familiar with the Bonded Po -For the blockchain and #defi folks they are probably familiar with the Bonded Pool like you can find with Uniswap or in the Bancor Network, but lets start with its sibling the Static Pool - which simply is a contract holding 2 tokens that are exchangeable to each other. - `#defi `_ - -#defi - - - -.. image:: images/blog/static-vs26.webp +.. image:: images/blog/static-vs1.webp @@ -72,22 +65,13 @@ On the contrary with a Static Pool, one side of the pool could simply run out ca -If communities connect their CICs to a basic income or network token like Sarafu in a 1:1 Static Pool - all such CICs would automatically be exchangeable 1:1 with each other. This is appealing because it creates a well defined common pool of tokens connected through a network token. This method combines the concept of a UBI with a credit system - described briefly here. +If communities connect their CICs to a basic income or network token like Sarafu in a 1:1 Static Pool - all such CICs would automatically be exchangeable 1:1 with each other. This is appealing because it creates a well defined common pool of tokens connected through a network token. This method combines the concept of a UBI with a credit system - described briefly `here `_. -If communities connect their CICs to a basic income or network token like Sarafu in a 1:1 Static Pool - all such CICs would automatically be exchangeable 1:1 with each other. This is appealing because it creates a well defined common pool of tokens connected through a network token. This method combines the concept of a UBI with a credit system - described briefly here. - - `here `_ - Also note that both types of pools could be used to connect a CIC with some other non-CIC token (like Eth or DAI) who's value might be fluctuating or unknown relative to the CICs - in this case having market supply and demand to establish that price over time might be preferable using a Bonded Pool. Note that many such pools can co-exist in the same network, connecting the same tokens. So connecting UBI and CICs on static pools while also connecting to non-CICs via bonded pools could allow for in-network 1:1 exchanges and variable/market rate exchanges against foreign tokens (e.g. Eth or stable coins). -We're excited to be building infrastructure - using the open source Bancor DEX contracts - that can accommodate an extremely diverse set of pools - creating really decentralized typologies for common pooling of Community Inclusion Currencies. +We're excited to be building infrastructure - using the open source `Bancor DEX contracts `_ - that can accommodate an extremely diverse set of pools - creating really decentralized typologies for common pooling of Community Inclusion Currencies. - - -We're excited to be building infrastructure - using the open source Bancor DEX contracts - that can accommodate an extremely diverse set of pools - creating really decentralized typologies for common pooling of Community Inclusion Currencies. - - `Bancor DEX contracts `_ \ No newline at end of file diff --git a/content/blog/strong-communities.rst b/content/blog/strong-communities.rst index e73e875..7bb28cb 100644 --- a/content/blog/strong-communities.rst +++ b/content/blog/strong-communities.rst @@ -8,7 +8,7 @@ -.. image:: images/blog/strong-communities18.webp +.. image:: images/blog/strong-communities1.webp @@ -24,53 +24,33 @@ In the afternoon we had a market session where members were able to sell and buy -On Tuesday I met another session of the Kwe Kende Group in Siaya town. We had a short general meeting and also provided solutions to any questions and concerns that they had. Most of these users run small businesses like kiosks, hotels (kibanda), tailor shops, shoes, clothes among others. They are equally excited about Sarafu and are happy that Sarafu has been of great help to them in both their businesses and in providing for their basic needs. Read about one of the users here in more detail. +On Tuesday I met another session of the Kwe Kende Group in Siaya town. We had a short general meeting and also provided solutions to any questions and concerns that they had. Most of these users run small businesses like kiosks, hotels (kibanda), tailor shops, shoes, clothes among others. They are equally excited about Sarafu and are happy that Sarafu has been of great help to them in both their businesses and in providing for their basic needs. Read about one of the users `here `_ in more detail. - *On Tuesday I met another session of the Kwe Kende Group in Siaya town. We had a short general meeting and also provided solutions to any questions and concerns that they had. Most of these users run small businesses like kiosks, hotels (kibanda), tailor shops, shoes, clothes among others. They are equally excited about Sarafu and are happy that Sarafu has been of great help to them in both their businesses and in providing for their basic needs. Read about one of the users here in more detail.* - *On Tuesday I met another session of the Kwe Kende Group in Siaya town. We had a short general meeting and also provided solutions to any questions and concerns that they had. Most of these users run small businesses like kiosks, hotels (kibanda), tailor shops, shoes, clothes among others. They are equally excited about Sarafu and are happy that Sarafu has been of great help to them in both their businesses and in providing for their basic needs. Read about one of the users here in more detail.* - - -On Tuesday I met another session of the Kwe Kende Group in Siaya town. We had a short general meeting and also provided solutions to any questions and concerns that they had. Most of these users run small businesses like kiosks, hotels (kibanda), tailor shops, shoes, clothes among others. They are equally excited about Sarafu and are happy that Sarafu has been of great help to them in both their businesses and in providing for their basic needs. Read about one of the users here in more detail. - - `here `_ Based on these discussions the group agreed that what makes Sarafu work for them: - **What works for Kwe Kende Group?** - **1. Market days: They hold 3 meetings in a week- Tuesday, Wednesday and Friday. This is to ensure that everyone (at least 186 families) attends at least one on their free days. During these meetings, they talk about how their week was with Sarafu and any problems that arose. They sell and buy from one another and also save in the chama and pay loans if any.** +**What works for Kwe Kende Group?** -1. Market days: They hold 3 meetings in a week- Tuesday, Wednesday and Friday. This is to ensure that everyone (at least 186 families) attends at least one on their free days. During these meetings, they talk about how their week was with Sarafu and any problems that arose. They sell and buy from one another and also save in the chama and pay loans if any. - - **2. Prosumer Empowerment: They've empowered each other, in that everyone tries to come to the chama meetings with something to offer in goods or services. This way, they easily meet their needs without blaming anyone for buying and not selling using Sarafu. They encourage themselves to believe everyone has something to offer the community.** +**1. Market days:** They hold 3 meetings in a week- Tuesday, Wednesday and Friday. This is to ensure that everyone (at least 186 families) attends at least one on their free days. During these meetings, they talk about how their week was with Sarafu and any problems that arose. They sell and buy from one another and also save in the chama and pay loans if any. -2. Prosumer Empowerment: They've empowered each other, in that everyone tries to come to the chama meetings with something to offer in goods or services. This way, they easily meet their needs without blaming anyone for buying and not selling using Sarafu. They encourage themselves to believe everyone has something to offer the community. - - **3. Community Projects: They've started a chicken rearing project and gardens that brings them together. They take care of them in turns and use Sarafu to pay for the upkeep. These capacity building and productive projects are an amazing anchor for CICs. Any group excess in food created by the group is distributed based on the amount of Sarafu that one receives in his/her business because it's these that they save in a week.** +**2. Prosumer Empowerment:** They've empowered each other, in that everyone tries to come to the chama meetings with something to offer in goods or services. This way, they easily meet their needs without blaming anyone for buying and not selling using Sarafu. They encourage themselves to believe everyone has something to offer the community. -3. Community Projects: They've started a chicken rearing project and gardens that brings them together. They take care of them in turns and use Sarafu to pay for the upkeep. These capacity building and productive projects are an amazing anchor for CICs. Any group excess in food created by the group is distributed based on the amount of Sarafu that one receives in his/her business because it's these that they save in a week. +**3. Community Projects:** They've started a chicken rearing project and gardens that brings them together. They take care of them in turns and use Sarafu to pay for the upkeep. These capacity building and productive projects are an amazing anchor for CICs. Any group excess in food created by the group is distributed based on the amount of Sarafu that one receives in his/her business because it's these that they save in a week. - **4. Leadership and Stewardship: The group officials are dedicated, especially the secretary Leah Aluoch who visits users randomly within the week. Leah stated that she has to visit users who miss the weekly meetings just to know if they have any issues and to encourage them. She has kept track of all her 186 members.** +**4. Leadership and Stewardship:** The group officials are dedicated, especially the secretary Leah Aluoch who visits users randomly within the week. Leah stated that she has to visit users who miss the weekly meetings just to know if they have any issues and to encourage them. She has kept track of all her 186 members. -4. Leadership and Stewardship: The group officials are dedicated, especially the secretary Leah Aluoch who visits users randomly within the week. Leah stated that she has to visit users who miss the weekly meetings just to know if they have any issues and to encourage them. She has kept track of all her 186 members. - **5. Unity: The members are from one community, they've trusted each other and they understand their strengths and embrace their weaknesses.** +**5. Unity:** The members are from one community, they've trusted each other and they understand their strengths and embrace their weaknesses. -5. Unity: The members are from one community, they've trusted each other and they understand their strengths and embrace their weaknesses. - - **6. Loops and Cycles in a Circular Economy: They've created loops that allows them to receive all the things that they need within their network.** +**6. Loops and Cycles in a Circular Economy:** They've created loops that allows them to receive all the things that they need within their network. -6. Loops and Cycles in a Circular Economy: They've created loops that allows them to receive all the things that they need within their network. - - **8. Fines and repercussions: The chama members incur a fine of Ksh.10 in case of lateness. They use the same for airtime to reach out to members during the week and to support those that can't genuinely use Sarafu. Also note that there is a small tax on CIC that is deducted (0.5%) of account balances that goes back out to active users.** - - -8. Fines and repercussions: The chama members incur a fine of Ksh.10 in case of lateness. They use the same for airtime to reach out to members during the week and to support those that can't genuinely use Sarafu. Also note that there is a small tax on CIC that is deducted (0.5%) of account balances that goes back out to active users. +**8. Fines and repercussions:** The chama members incur a fine of Ksh.10 in case of lateness. They use the same for airtime to reach out to members during the week and to support those that can't genuinely use Sarafu. Also note that there is a small tax on CIC that is deducted (0.5%) of account balances that goes back out to active users. diff --git a/content/blog/super-market-super-currency.rst b/content/blog/super-market-super-currency.rst index a5179f9..c5ecd3d 100644 --- a/content/blog/super-market-super-currency.rst +++ b/content/blog/super-market-super-currency.rst @@ -8,7 +8,7 @@ -.. image:: images/blog/super-market-super-currency18.webp +.. image:: images/blog/super-market-super-currency1.webp @@ -50,11 +50,4 @@ The official opening of the supermarket is set for mid-March! #supermarket #nairobi - `#supermarket `_ - -#supermarket - - `#nairobi `_ - -#nairobi diff --git a/content/blog/supporting-covid-19.rst b/content/blog/supporting-covid-19.rst index 8ad4c2d..872ae18 100644 --- a/content/blog/supporting-covid-19.rst +++ b/content/blog/supporting-covid-19.rst @@ -12,19 +12,11 @@ -.. image:: images/blog/supporting-covid-1921.webp +.. image:: images/blog/supporting-covid-191.webp - Community Health Volunteers (CHV), Clinics and doctors are daily working tirelessly with communities to teach them to cope with COVID-19. They are, out of their own pockets, supporting needy families and themselves working often with no pay. Health care workers using CICs have a way to help support the community and care for themselves as national currency runs out. - - - - Community Health Volunteers (CHV), Clinics and doctors are daily working tirelessly with communities to teach them to cope with COVID-19. They are, out of their own pockets, supporting needy families and themselves working often with no pay. Health care workers using CICs have a way to help support the community and care for themselves as national currency runs out. - - - - Community Health Volunteers (CHV), Clinics and doctors are daily working tirelessly with communities to teach them to cope with COVID-19. They are, out of their own pockets, supporting needy families and themselves working often with no pay. Health care workers using CICs have a way to help support the community and care for themselves as national currency runs out. +Community Health Volunteers (CHV), Clinics and doctors are daily working tirelessly with communities to teach them to cope with COVID-19. They are, out of their own pockets, supporting needy families and themselves working often with no pay. Health care workers using CICs have a way to help support the community and care for themselves as national currency runs out. @@ -56,17 +48,6 @@ This is Bernard Okoth and Grace Hellen the chairlady of CHVs in Mukuru (right) t - -Please leverage your support to health workers by contributing. - - - - -Please leverage your support to health workers by contributing. - - - - Please leverage your support to health workers by contributing. @@ -95,10 +76,6 @@ To double (for next 90 days) your money or donate send mpesa to paybill (631685) -If you are not in Kenya you can support here. +If you are not in Kenya you can support `here `_. - -If you are not in Kenya you can support here. - - `here `_ \ No newline at end of file diff --git a/content/blog/supporting-supply.rst b/content/blog/supporting-supply.rst index 45f1797..db17e53 100644 --- a/content/blog/supporting-supply.rst +++ b/content/blog/supporting-supply.rst @@ -6,9 +6,10 @@ :summary: In 30 days we have seen that by injecting a medium of exchange (CICs) nearly 100,000 USD have been traded in over 1,600 daily transactions - ` `_ -.. image:: images/blog/supporting-supply18.webp +https://dashboard.sarafu.network + +.. image:: images/blog/supporting-supply1.webp @@ -16,22 +17,7 @@ In the last few weeks we have seen the largest usage of community currencies we -Check out the Community Inclusion Currency (CIC) Dashboard build by an amazing team at Accenture for even more data views and also see our research page. - - - -Check out the Community Inclusion Currency (CIC) Dashboard build by an amazing team at Accenture for even more data views and also see our research page. - - - -Check out the Community Inclusion Currency (CIC) Dashboard build by an amazing team at Accenture for even more data views and also see our research page. - - `(CIC) Dashboard `_ `research page `_ - -In 30 days we have seen that by injecting a medium of exchange in the form of CICs nearly 100,000 USD have been traded (with over 1,600 daily transactions on the xDAI blockchain) among vulnerable communities at a cost of 8k USD in National Currency - this is roughly 12x the impact of typical donor funds and we expect to see it grow. - - - +Check out the Community Inclusion Currency `(CIC) Dashboard `_ build by an amazing team at Accenture for even more data views and also see our `research page `_. In 30 days we have seen that by injecting a medium of exchange in the form of CICs nearly 100,000 USD have been traded (with over 1,600 daily transactions on the xDAI blockchain) among vulnerable communities at a cost of 8k USD in National Currency - this is roughly 12x the impact of typical donor funds and we expect to see it grow. @@ -40,1271 +26,40 @@ In 30 days we have seen that by injecting a medium of exchange in the form of CI -with over 1,600 daily transactions on the xDAI blockchain) +**CIC pilots - Nairobi, Mombasa, Kwale and Kilifi** - **CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 +Total CICs distributed ( and in circulation): 6,369,254 (Kenyan Shillings equivalent) + +| + Total Recipients (All time): 14,756 (each receive roughly 400 CICs + weekly support) -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh** - **CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) +| CIC totals: +| New Recipients (30 Days): 3,283 +| + New Recipients (7 Days): 1,273 +| + Trade volume (30 days): 9,544,439 +| + Trade volume (7 days): 2,861,829 +| + Active Users (30 days): 5,981 +| + Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh** - **CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) +| -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh** - **CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh** - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - **CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh** - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - - -CIC pilots - Nairobi, Mombasa, Kwale and Kilifi -Total CICs distributed ( and in circulation): 6,369,254 - (Kenyan Shillings equivalent) -Total Recipients (All time): 14,756 - (each receive roughly 400 CICs + weekly support) - -CIC totals: -New Recipients (30 Days): 3,283 -New Recipients (7 Days): 1,273 -Trade volume (30 days): 9,544,439 -Trade volume (7 days): 2,861,829 -Active Users (30 days): 5,981 -Transactions (30 days): 22,082 -Mpesa distributed (30 days): 830,915 Ksh - - - - **CIC** - **-** - **,** - **,** - - -distributed - - - -( - - - -in - - - -) - - - -: - - - -6 - - - -, - - - -369 - - - -, - - - -254 - - - -( - - - -) - - - -Recipients - - - -( - - - -) - - - -: - - - -14 - - - -, - - - -756 - - - -( - - - -400 - - - -+ - - - -) - - **CIC** - **:** - - -Recipients - - - -( - - - -30 - - - -) - - - -: - - - -3 - - - -, - - - -283 - - - -Recipients - - - -( - - - -7 - - - -) - - - -: - - - -1 - - - -, - - - -273 - - - -volume - - - -( - - - -30 - - - -) - - - -: - - - -9 - - - -, - - - -544 - - - -, - - - -439 - - - -volume - - - -( - - - -7 - - - -) - - - -: - - - -2 - - - -, - - - -861 - - - -, - - - -829 - - - -Users - - - -( - - - -30 - - - -) - - - -: - - - -5 - - - -, - - - -981 - - - -Transactions - - - -( - - - -30 - - - -) - - - -: - - - -22 - - - -, - - - -082 - - - -distributed - - - -( - - - -30 - - - -) - - - -: - - - -830 - - - -, - - - -915 - +| Anyone with a sim card can be a CIC recipient of an initial 400 tokens which can be used with other users and supporting businesses. Users receive addition CICs daily based on their usage. Savings groups receive donations in Mpesa (national currency) based on their CIC usage. @@ -1313,2004 +68,72 @@ Anyone with a sim card can be a CIC recipient of an initial 400 tokens which can CIC circulation keeps supply chains running so that communities can do as much as possible to support each other when there is not enough money, food, soap, water and so on. - **CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. +**CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs.** CICs in circulation (Mukuru): 340,426 + Total Recipients (Mukuru): 762 + New Recipients (30 Days) (Mukuru): 398 + Trade volume (30 days) (Mukuru): 1,669,884 + Active Users (30 days) (Mukuru): 477 + Transactions (30 days) (Mukuru): 3,461 + Mpesa distributed (30 days) (Mukuru): 109,814 Ksh Mukuru Trade Volume by category (30 days): +| + Food/Water: 669,981 + Shop: 504,720 + Savings Group: 328,761 + Farming/Labour: 129,791 + Education: 18,650 + Fuel/Energy: 12,085 + Transport: 8,630 + Environment: 6,700 -Health: 2,220** - **CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220** - **CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220** - **CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220** - **CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 Health: 2,220** - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - **CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220** - **CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220** - **CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220** - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - - -CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs. - -CICs in circulation (Mukuru): 340,426 -Total Recipients (Mukuru): 762 -New Recipients (30 Days) (Mukuru): 398 -Trade volume (30 days) (Mukuru): 1,669,884 -Active Users (30 days) (Mukuru): 477 -Transactions (30 days) (Mukuru): 3,461 -Mpesa distributed (30 days) (Mukuru): 109,814 Ksh - -Mukuru Trade Volume by category (30 days): -Food/Water: 669,981 -Shop: 504,720 -Savings Group: 328,761 -Farming/Labour: 129,791 -Education: 18,650 -Fuel/Energy: 12,085 -Transport: 8,630 -Environment: 6,700 -Health: 2,220 - - **CIC** - **:** - **(** - **,** - **)** - - -of - - - -in - - - -in - - - -. - - - -in - - - -circulation - - - -( - - - -) - - - -: - - - -340 - - - -, - - - -426 - - - -Recipients - - - -( - - - -) - - - -: - - - -762 - - - -Recipients - - - -( - - - -30 - - - -) - - - -( - - - -Mukuru - - - -) - - - -: - - - -398 - - - -volume - - - -( - - - -30 - - - -) - - - -( - - - -Mukuru - - - -) - - - -: - - - - - - - -1 - - - -, - - - -669 - - - -, - - - -884 - - - -Users - - - -( - - - -30 - - - -) - - - -( - - - -Mukuru - - - -) - - - -: - - - -477 - - - -Transactions - - - -( - - - -30 - - - -) - - - -( - - - -Mukuru - - - -) - - - -: - - - -3 - - - -, - - - -461 - - - -distributed - - - -( - - - -30 - - - -) - - - -( - - - -Mukuru - - - -) - - - -: - - - -109 - - - -, - - - -814 - - **category** - **(** - **30** - **)** - **:** - - -/ - - - -: - - - -669 - - - -, - - - -981 - - - -: - - - -504 - - - -, - - - -720 - - - -: - - - -328 - - - -, - - - -761 - - - -/ - - - -: - - - -129 - - - -, - - - -791 - - - -: - - - -18 - - - -, - - - -650 - - - -/ - - - -: - - - -12 - - - -, - - - -085 - - - -: - - - -8 - - - -, - - - -630 - - - -: - - - -6 - - - -, - - - -700 - - - -: - - - -2 - - - -, - - - -220 - - +| We are so thankful to all the people and teams working on Community Inclusion Currencies: - **Red Cross: Implementation and scaling** +**Red Cross:** Implementation and scaling -Red Cross: Implementation and scaling - - **Commons Stack: Guidance** -Commons Stack: Guidance - - **BlockScience: Modeling** +**Commons Stack:** Guidance -BlockScience: Modeling - - **Bancor: Open source blockchain contracts** -Bancor: Open source blockchain contracts - - **Accenture: Dashboarding** +**BlockScience:** Modeling -Accenture: Dashboarding - **Sempo: Open source trading platform** +**Bancor:** Open source blockchain contracts + + + +**Accenture:** Dashboarding + + + + +**Sempo:** Open source trading platform + -Sempo: Open source trading platform diff --git a/content/blog/takaungu-pesa.rst b/content/blog/takaungu-pesa.rst index 7306ba0..32d169a 100644 --- a/content/blog/takaungu-pesa.rst +++ b/content/blog/takaungu-pesa.rst @@ -12,7 +12,7 @@ The Vindakala Youth Bunge’s motto “Coming Together is Just The Beginning.” -.. image:: images/blog/takaungu-pesa21.webp +.. image:: images/blog/takaungu-pesa1.webp @@ -67,42 +67,3 @@ After using the paper voucher versions of TK-Pesa for the next month we will int #Takaungu #Rural #Kenya #Kilifi #FoodSecurity #Fishing - -#Takaungu #Rural #Kenya #Kilifi #FoodSecurity #Fishing - - - -#Takaungu #Rural #Kenya #Kilifi #FoodSecurity #Fishing - - - -#Takaungu #Rural #Kenya #Kilifi #FoodSecurity #Fishing - - - -#Takaungu #Rural #Kenya #Kilifi #FoodSecurity #Fishing - - `#Takaungu `_ - -#Takaungu - - `#Rural `_ - -#Rural - - `#Kenya `_ - -#Kenya - - `#Kilifi `_ - -#Kilifi - - `#FoodSecurity `_ - -#FoodSecurity - - `#Fishing `_ - -#Fishing - diff --git a/content/blog/taxation-community.rst b/content/blog/taxation-community.rst index 33273c2..9cd9c0c 100644 --- a/content/blog/taxation-community.rst +++ b/content/blog/taxation-community.rst @@ -1,6 +1,6 @@ :title: Taxation & Community Currencies :author: Will Ruddick -:date: 2 days ago +:date: Aug 1 2021 :slug: taxation-community :summary: Taxation of & in Community Currencies could be the largest and most stable tax source for governments. @@ -8,7 +8,7 @@ -.. image:: images/blog/taxation-community18.webp +.. image:: images/blog/taxation-community1.webp @@ -16,17 +16,8 @@ This is a touchy topic! One that is the last thing a lot of community currency d -While in most regulatory regimes, right now, a community currency (CCs) is nothing more than a tradable voucher. Taxation on these vouchers is similar to trading any crypto currency - a grey area at best. When exchanging CCs or any crypto currency for National Currency is when you begin to enter the current tax regimes. I say current, because things change fast in this space and actively thinking about how taxes could or should be imposed, collected and redistributed is extremely important. Below are some concepts on taxation of CCs that should be considered. +While in most regulatory regimes, *right now*, a community currency (CCs) is nothing more than a tradable voucher. Taxation on these vouchers is similar to trading any crypto currency - a grey area at best. When exchanging CCs or any crypto currency for National Currency is when you begin to enter the current tax regimes. I say *current*, because things change fast in this space and actively thinking about how taxes could or should be imposed, collected and redistributed is extremely important. Below are some concepts on taxation of CCs that should be considered. - *While in most regulatory regimes, right now, a community currency (CCs) is nothing more than a tradable voucher. Taxation on these vouchers is similar to trading any crypto currency - a grey area at best. When exchanging CCs or any crypto currency for National Currency is when you begin to enter the current tax regimes. I say current, because things change fast in this space and actively thinking about how taxes could or should be imposed, collected and redistributed is extremely important. Below are some concepts on taxation of CCs that should be considered.* - - -While in most regulatory regimes, right now, a community currency (CCs) is nothing more than a tradable voucher. Taxation on these vouchers is similar to trading any crypto currency - a grey area at best. When exchanging CCs or any crypto currency for National Currency is when you begin to enter the current tax regimes. I say current, because things change fast in this space and actively thinking about how taxes could or should be imposed, collected and redistributed is extremely important. Below are some concepts on taxation of CCs that should be considered. - - *While in most regulatory regimes, right now, a community currency (CCs) is nothing more than a tradable voucher. Taxation on these vouchers is similar to trading any crypto currency - a grey area at best. When exchanging CCs or any crypto currency for National Currency is when you begin to enter the current tax regimes. I say current, because things change fast in this space and actively thinking about how taxes could or should be imposed, collected and redistributed is extremely important. Below are some concepts on taxation of CCs that should be considered.* - - -While in most regulatory regimes, right now, a community currency (CCs) is nothing more than a tradable voucher. Taxation on these vouchers is similar to trading any crypto currency - a grey area at best. When exchanging CCs or any crypto currency for National Currency is when you begin to enter the current tax regimes. I say current, because things change fast in this space and actively thinking about how taxes could or should be imposed, collected and redistributed is extremely important. Below are some concepts on taxation of CCs that should be considered. @@ -34,27 +25,12 @@ Community Currencies are about giving people the right to issue their own credit -Generally community currency creators don't want to end funding to governments that provide useful services but we do want to make sure people have a say in how taxes are spent! In the case of Grassroots Economics - we are a non-profit foundation trying to provide a way for people to live together without the constant fear and trauma of monetary scarcity. - - *Generally community currency creators don't want to end funding to governments that provide useful services but we do want to make sure people have a say in how taxes are spent! In the case of Grassroots Economics - we are a non-profit foundation trying to provide a way for people to live together without the constant fear and trauma of monetary scarcity.* - Generally community currency creators don't want to end funding to governments that provide useful services but we do want to make sure people have a say in how taxes are spent! In the case of Grassroots Economics - we are a non-profit foundation trying to provide a way for people to live together without the constant fear and trauma of monetary scarcity. - *Generally community currency creators don't want to end funding to governments that provide useful services but we do want to make sure people have a say in how taxes are spent! In the case of Grassroots Economics - we are a non-profit foundation trying to provide a way for people to live together without the constant fear and trauma of monetary scarcity.* +**Demurrage** on currency is a simple concept: currency decay over time (such as holding tax as a percentage deducted from all balances). This idea was created by the economist Silvio Gesell and first implemented Austrian town of Wörgl in 1932 with great success. It was created in order to reduce hoarding and encourage people to invest in local productive capacity - leaving currency as a medium of exchange and less of a form of savings. Rather than using paper currency and the purchase of stamps to keep your currency valuable, as was done in the 1930's we can use modern technology such as blockchain to create complete transparency and automation of tax collection. To use demurrage as taxation digitally today - this holding tax can be collected automatically using blockchain smart contracts and deposited into a public contract or Demurrage decentralized Autonomous Organization (DDAO). Anyone holding the currency would have a right to vote on the DDAO to determine where their demurrage goes. Governments could regulate these DDAO contracts to ensure a percentage goes to them - and they as well would be taxed on any unspent funds. -Generally community currency creators don't want to end funding to governments that provide useful services but we do want to make sure people have a say in how taxes are spent! In the case of Grassroots Economics - we are a non-profit foundation trying to provide a way for people to live together without the constant fear and trauma of monetary scarcity. - - **Demurrage on currency is a simple concept: currency decay over time (such as holding tax as a percentage deducted from all balances). This idea was created by the economist Silvio Gesell and first implemented Austrian town of Wörgl in 1932 with great success. It was created in order to reduce hoarding and encourage people to invest in local productive capacity - leaving currency as a medium of exchange and less of a form of savings. Rather than using paper currency and the purchase of stamps to keep your currency valuable, as was done in the 1930's we can use modern technology such as blockchain to create complete transparency and automation of tax collection. To use demurrage as taxation digitally today - this holding tax can be collected automatically using blockchain smart contracts and deposited into a public contract or Demurrage decentralized Autonomous Organization (DDAO). Anyone holding the currency would have a right to vote on the DDAO to determine where their demurrage goes. Governments could regulate these DDAO contracts to ensure a percentage goes to them - and they as well would be taxed on any unspent funds.** - - -Demurrage on currency is a simple concept: currency decay over time (such as holding tax as a percentage deducted from all balances). This idea was created by the economist Silvio Gesell and first implemented Austrian town of Wörgl in 1932 with great success. It was created in order to reduce hoarding and encourage people to invest in local productive capacity - leaving currency as a medium of exchange and less of a form of savings. Rather than using paper currency and the purchase of stamps to keep your currency valuable, as was done in the 1930's we can use modern technology such as blockchain to create complete transparency and automation of tax collection. To use demurrage as taxation digitally today - this holding tax can be collected automatically using blockchain smart contracts and deposited into a public contract or Demurrage decentralized Autonomous Organization (DDAO). Anyone holding the currency would have a right to vote on the DDAO to determine where their demurrage goes. Governments could regulate these DDAO contracts to ensure a percentage goes to them - and they as well would be taxed on any unspent funds. - - **Demurrage on currency is a simple concept: currency decay over time (such as holding tax as a percentage deducted from all balances). This idea was created by the economist Silvio Gesell and first implemented Austrian town of Wörgl in 1932 with great success. It was created in order to reduce hoarding and encourage people to invest in local productive capacity - leaving currency as a medium of exchange and less of a form of savings. Rather than using paper currency and the purchase of stamps to keep your currency valuable, as was done in the 1930's we can use modern technology such as blockchain to create complete transparency and automation of tax collection. To use demurrage as taxation digitally today - this holding tax can be collected automatically using blockchain smart contracts and deposited into a public contract or Demurrage decentralized Autonomous Organization (DDAO). Anyone holding the currency would have a right to vote on the DDAO to determine where their demurrage goes. Governments could regulate these DDAO contracts to ensure a percentage goes to them - and they as well would be taxed on any unspent funds.** - - -Demurrage on currency is a simple concept: currency decay over time (such as holding tax as a percentage deducted from all balances). This idea was created by the economist Silvio Gesell and first implemented Austrian town of Wörgl in 1932 with great success. It was created in order to reduce hoarding and encourage people to invest in local productive capacity - leaving currency as a medium of exchange and less of a form of savings. Rather than using paper currency and the purchase of stamps to keep your currency valuable, as was done in the 1930's we can use modern technology such as blockchain to create complete transparency and automation of tax collection. To use demurrage as taxation digitally today - this holding tax can be collected automatically using blockchain smart contracts and deposited into a public contract or Demurrage decentralized Autonomous Organization (DDAO). Anyone holding the currency would have a right to vote on the DDAO to determine where their demurrage goes. Governments could regulate these DDAO contracts to ensure a percentage goes to them - and they as well would be taxed on any unspent funds. @@ -62,46 +38,27 @@ Demurrage on currency is a simple concept: currency decay over time (such as hol -In the above diagram you can see a community creating a Community Inclusion Currency (CIC) as a claim against their future production. Such a CIC could also be issued by a government or municipality as in the case of Wörgl against redemption in government services. These CIC tokens could intrinsically be taxable into a DDAO and a portion could go to local government while the rest goes back to the CIC users themselves. The CIC collected by government would have to be used or be taxed back into the DDAO and be again redistributed. This creates a virtuous cycle where local taxes are automatically collected and must be re-spent locally. Such a CIC tax could even be reissued by government as a basic income. Social service organizations and charities could show their CIC transaction volumes in order to convince the public and government to allocate (vote) CIC tax redistribution to them. +In the above diagram you can see a community creating a **Community Inclusion Currency** (CIC) as a claim against their future production. Such a CIC could also be issued by a government or municipality as in the case of Wörgl against redemption in government services. These CIC tokens could intrinsically be taxable into a DDAO and a portion could go to local government while the rest goes back to the CIC users themselves. The CIC collected by government would have to be used or be taxed back into the DDAO and be again redistributed. This creates a virtuous cycle where local taxes are automatically collected and must be re-spent locally. Such a CIC tax could even be reissued by government as a **basic income**. Social service organizations and charities could show their CIC transaction volumes in order to convince the public and government to allocate (vote) CIC tax redistribution to them. - **In the above diagram you can see a community creating a Community Inclusion Currency (CIC) as a claim against their future production. Such a CIC could also be issued by a government or municipality as in the case of Wörgl against redemption in government services. These CIC tokens could intrinsically be taxable into a DDAO and a portion could go to local government while the rest goes back to the CIC users themselves. The CIC collected by government would have to be used or be taxed back into the DDAO and be again redistributed. This creates a virtuous cycle where local taxes are automatically collected and must be re-spent locally. Such a CIC tax could even be reissued by government as a basic income. Social service organizations and charities could show their CIC transaction volumes in order to convince the public and government to allocate (vote) CIC tax redistribution to them.** - - -In the above diagram you can see a community creating a Community Inclusion Currency (CIC) as a claim against their future production. Such a CIC could also be issued by a government or municipality as in the case of Wörgl against redemption in government services. These CIC tokens could intrinsically be taxable into a DDAO and a portion could go to local government while the rest goes back to the CIC users themselves. The CIC collected by government would have to be used or be taxed back into the DDAO and be again redistributed. This creates a virtuous cycle where local taxes are automatically collected and must be re-spent locally. Such a CIC tax could even be reissued by government as a basic income. Social service organizations and charities could show their CIC transaction volumes in order to convince the public and government to allocate (vote) CIC tax redistribution to them. - - *In the above diagram you can see a community creating a Community Inclusion Currency (CIC) as a claim against their future production. Such a CIC could also be issued by a government or municipality as in the case of Wörgl against redemption in government services. These CIC tokens could intrinsically be taxable into a DDAO and a portion could go to local government while the rest goes back to the CIC users themselves. The CIC collected by government would have to be used or be taxed back into the DDAO and be again redistributed. This creates a virtuous cycle where local taxes are automatically collected and must be re-spent locally. Such a CIC tax could even be reissued by government as a basic income. Social service organizations and charities could show their CIC transaction volumes in order to convince the public and government to allocate (vote) CIC tax redistribution to them.* - - -In the above diagram you can see a community creating a Community Inclusion Currency (CIC) as a claim against their future production. Such a CIC could also be issued by a government or municipality as in the case of Wörgl against redemption in government services. These CIC tokens could intrinsically be taxable into a DDAO and a portion could go to local government while the rest goes back to the CIC users themselves. The CIC collected by government would have to be used or be taxed back into the DDAO and be again redistributed. This creates a virtuous cycle where local taxes are automatically collected and must be re-spent locally. Such a CIC tax could even be reissued by government as a basic income. Social service organizations and charities could show their CIC transaction volumes in order to convince the public and government to allocate (vote) CIC tax redistribution to them. - - **In the above diagram you can see a community creating a Community Inclusion Currency (CIC) as a claim against their future production. Such a CIC could also be issued by a government or municipality as in the case of Wörgl against redemption in government services. These CIC tokens could intrinsically be taxable into a DDAO and a portion could go to local government while the rest goes back to the CIC users themselves. The CIC collected by government would have to be used or be taxed back into the DDAO and be again redistributed. This creates a virtuous cycle where local taxes are automatically collected and must be re-spent locally. Such a CIC tax could even be reissued by government as a basic income. Social service organizations and charities could show their CIC transaction volumes in order to convince the public and government to allocate (vote) CIC tax redistribution to them.** - - -In the above diagram you can see a community creating a Community Inclusion Currency (CIC) as a claim against their future production. Such a CIC could also be issued by a government or municipality as in the case of Wörgl against redemption in government services. These CIC tokens could intrinsically be taxable into a DDAO and a portion could go to local government while the rest goes back to the CIC users themselves. The CIC collected by government would have to be used or be taxed back into the DDAO and be again redistributed. This creates a virtuous cycle where local taxes are automatically collected and must be re-spent locally. Such a CIC tax could even be reissued by government as a basic income. Social service organizations and charities could show their CIC transaction volumes in order to convince the public and government to allocate (vote) CIC tax redistribution to them. Rather than only allowing banks and government to create our money supply - CICs give an option to decentralize credit issuance while preserving the functions of government to collect taxes and support social services. Governments - both local and national - that understand the power of credit decentralization and automated taxation, should see that this could be the largest and most sustainable funding source imaginable especially in countries like Kenya where the vast majority of businesses are informal and paying no taxes at all. +.. raw:: html -In the above video the Red Cross has introduced a CIC into a sub-county of Mombasa. Every token (Sarafu) has a 2% a monthly demurrage (holding tax) that currently collected automatically and is redistributed to active users in the community. Over 3 Million USD of trade has happened on this network and nearly 20 Million Sarafu tokens have been issued nation wide to over 56,000 households. If the county or national government were to accept locally created credit for local taxation via automated demurrage it could pay for roads, schools, health services and even basic income to support those in need. - - **In the above video the Red Cross has introduced a CIC into a sub-county of Mombasa. Every token (Sarafu) has a 2% a monthly demurrage (holding tax) that currently collected automatically and is redistributed to active users in the community. Over 3 Million USD of trade has happened on this network and nearly 20 Million Sarafu tokens have been issued nation wide to over 56,000 households. If the county or national government were to accept locally created credit for local taxation via automated demurrage it could pay for roads, schools, health services and even basic income to support those in need.** - - -For policy makers wanting to understand more contact us. + -For policy makers wanting to understand more contact us. +In the above video the Red Cross has introduced a CIC into a sub-county of Mombasa. Every token (Sarafu) has a 2% a monthly demurrage (holding tax) that currently collected automatically and is redistributed to active users in the community. Over 3 Million USD of trade has happened on this network and nearly 20 Million Sarafu tokens have been issued nation wide to over 56,000 households. **If the county or national government were to accept locally created credit for local taxation via automated demurrage it could pay for roads, schools, health services and even basic income to support those in need.** - `contact us `_ -For developers - wanting to see a blockchain implementation of demurrage please check out our ERC20 contracts here. +For policy makers wanting to understand more `contact us `_. -For developers - wanting to see a blockchain implementation of demurrage please check out our ERC20 contracts here. +For developers - wanting to see a blockchain implementation of `demurrage please check out our ERC20 contracts here. `_ + - `demurrage please check out our ERC20 contracts here. `_ \ No newline at end of file diff --git a/content/blog/the-people.rst b/content/blog/the-people.rst index a817cb1..6a8e3e2 100644 --- a/content/blog/the-people.rst +++ b/content/blog/the-people.rst @@ -8,7 +8,7 @@ -.. image:: images/blog/the-people18.webp +.. image:: images/blog/the-people1.webp @@ -18,7 +18,7 @@ - **Sarafu stands at the fore-front of digital community currencies offering novel ways to learn about the inner workings of local exchange systems and study their impact hands-on.** +**Sarafu stands at the fore-front of digital community currencies offering novel ways to learn about the inner workings of local exchange systems and study their impact hands-on.** @@ -197,81 +197,7 @@ P.S. A peek into the data - The following user-profiles spotlight how the commun - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - #Miyani #complementarycurrency #impacts - -#Miyani #complementarycurrency #impacts - - `#Miyani `_ - -#Miyani - - `#complementarycurrency `_ - -#complementarycurrency - - `#impacts `_ - -#impacts - diff --git a/content/blog/tiwi-orphans.rst b/content/blog/tiwi-orphans.rst index 75da3f2..4d89db2 100644 --- a/content/blog/tiwi-orphans.rst +++ b/content/blog/tiwi-orphans.rst @@ -8,7 +8,7 @@ -.. image:: images/blog/tiwi-orphans18.webp +.. image:: images/blog/tiwi-orphans1.webp @@ -60,25 +60,3 @@ Community Service is a central part of our work. This is the time to listen to s -#kenya #coast #orphans #communityservice - - - -#kenya #coast #orphans #communityservice - - `#kenya `_ - -#kenya - - `#coast `_ - -#coast - - `#orphans `_ - -#orphans - - `#communityservice `_ - -#communityservice - diff --git a/content/blog/trading-the.rst b/content/blog/trading-the.rst index 71fdeaa..e540de6 100644 --- a/content/blog/trading-the.rst +++ b/content/blog/trading-the.rst @@ -8,9 +8,11 @@ -.. image:: images/blog/trading-the18.webp +.. image:: images/blog/trading-the1.webp - *Caption: Mama Evelin (right) in Bangladesh, Mombasa learns to trade her Bangla-Pesa using the Bancor Wallet; taught by Ruth Ngau of Grassroots Economics (left).* + + +*Caption: Mama Evelin (right) in Bangladesh, Mombasa learns to trade her Bangla-Pesa using the Bancor Wallet; taught by Ruth Ngau of Grassroots Economics (left).* @@ -25,59 +27,37 @@ Thanks to Bancor, blockchain is finally becoming a tool we can use to fight pove -Yesterday we had an amazing day in Mombasa field-testing the Bancor Wallet on POA network to enable zero-transaction fees and fast payments for local transactions. As tomatoes and chapati changed hands, local shop owners and their customers marked the first-ever community currency transactions on the blockchain. More broadly, we are digitizing and tokenizing the Sarafu-Credit system of paper currencies that began with the Bangla-Pesa in 2013. +Yesterday we had an amazing day in Mombasa field-testing the Bancor Wallet on POA network to enable zero-transaction fees and fast payments for local transactions. As tomatoes and chapati changed hands, local shop owners and their customers marked the first-ever community currency transactions on the blockchain. More broadly, we are digitizing and tokenizing the `Sarafu-Credit system `_ of paper currencies that began with the Bangla-Pesa in 2013. -Yesterday we had an amazing day in Mombasa field-testing the Bancor Wallet on POA network to enable zero-transaction fees and fast payments for local transactions. As tomatoes and chapati changed hands, local shop owners and their customers marked the first-ever community currency transactions on the blockchain. More broadly, we are digitizing and tokenizing the Sarafu-Credit system of paper currencies that began with the Bangla-Pesa in 2013. - - `Sarafu-Credit system `_ - - - - Now community members like Mama Evelin (in the photo above) can: - - -Now community members like Mama Evelin (in the photo above) can: - - - -Now community members like Mama Evelin (in the photo above) can: - - * Trade any amount of Bangla-Pesa (we never had below a 5 paper denomination due to cost of printing.) - * Keep a digital record of transactions which are stored securely on the blockchain. - * Exchange their Bangla-Pesa for Ng’ombeni-Pesa (another neighboring community currency that couldn’t be easily converted to before.) - * Advertise on a community marketplace to get wider awareness of their goods. - * Easily locate and buy goods and services in the community when Kenyan Shillings are not available - with no transaction fees and verification in seconds. - * Easily send local tokens unrelated to commercial transactions to friends and family instantly and without fees. - * And much more to come, such as voting systems, SMS notifications and more. +* Trade any amount of Bangla-Pesa (we never had below a 5 paper denomination due to cost of printing.) +* Keep a digital record of transactions which are stored securely on the blockchain. +* Exchange their Bangla-Pesa for Ng’ombeni-Pesa (another neighboring community currency that couldn’t be easily converted to before.) +* Advertise on a community marketplace to get wider awareness of their goods. +* Easily locate and buy goods and services in the community when Kenyan Shillings are not available - with no transaction fees and verification in seconds. +* Easily send local tokens unrelated to commercial transactions to friends and family instantly and without fees. +* And much more to come, such as voting systems, SMS notifications and more. -For Grassroots Economics and similar Community Currency creators this means: - - For Grassroots Economics and similar Community Currency creators this means: +* Creating a currency takes a few minutes. All you have to do is specify your token supply and decide which tokens to connect it to in your network. +* We have the security of the blockchain - meaning that the ledger of transactions and the supply of community currency tokens are in a safe, decentralized place - distributed across the Internet and transparent for all to see. +* Designing a customized currency just became much much easier: economic incentives, taxation, demurrage, community funds, voting systems and more can be built directly on the Bancor Liquid Token smart contract. +* The cost to develop a community currency has dropped to training and implementation - rather than the cumbersome and costly process of printing paper vouchers or paying service fees and licences to digital providers. +* Teams can focus on their users, rather than the backend technology. This will go a long way in communities where resources are scarce to begin with. -For Grassroots Economics and similar Community Currency creators this means: - * Creating a currency takes a few minutes. All you have to do is specify your token supply and decide which tokens to connect it to in your network. - * We have the security of the blockchain - meaning that the ledger of transactions and the supply of community currency tokens are in a safe, decentralized place - distributed across the Internet and transparent for all to see. - * Designing a customized currency just became much much easier: economic incentives, taxation, demurrage, community funds, voting systems and more can be built directly on the Bancor Liquid Token smart contract. - * The cost to develop a community currency has dropped to training and implementation - rather than the cumbersome and costly process of printing paper vouchers or paying service fees and licences to digital providers. - * Teams can focus on their users, rather than the backend technology. This will go a long way in communities where resources are scarce to begin with. - - - @@ -85,12 +65,6 @@ What makes these tokens special is their ability to connect to one another (mean -What makes these tokens special is their ability to connect to one another (meaning be easily convertible back and forth without exchanges) - building a decentralized economy of currencies powered by the Bancor Protocol. These currencies can be designed using their smart contract to share assets, deploy a UBI and facilitate voting and community services. Fundamentally, blockchain-based community currencies can empower women like Evelin to develop zero-interest credit that is usable among her network. The World Bank claims there is a 2+ trillion dollar deficit in the credit supply -- this solution could pull communities out of poverty, increasing trade and local resilience. - - - - - .. image:: images/blog/trading-the96.webp @@ -112,26 +86,3 @@ There is still a lot to do and we need everyone's support to really make this a #blockchain #kenya #banglapesa #bancor - -#blockchain #kenya #banglapesa #bancor - - - -#blockchain #kenya #banglapesa #bancor - - `#blockchain `_ - -#blockchain - - `#kenya `_ - -#kenya - - `#banglapesa `_ - -#banglapesa - - `#bancor `_ - -#bancor - diff --git a/content/blog/tree-of.rst b/content/blog/tree-of.rst index c4b2f2a..11de22b 100644 --- a/content/blog/tree-of.rst +++ b/content/blog/tree-of.rst @@ -8,7 +8,7 @@ -.. image:: images/blog/tree-of18.webp +.. image:: images/blog/tree-of1.webp diff --git a/content/blog/un-announcement.rst b/content/blog/un-announcement.rst index 16e6904..7eea00c 100644 --- a/content/blog/un-announcement.rst +++ b/content/blog/un-announcement.rst @@ -3,7 +3,7 @@ :date: Nov 5, 2018 :slug: un-announcement -:summary: On October 25th Will Ruddick along with Galia Bernartzi from Bancor addressed the UN regarding the potential impacts of blockchain technolog +:summary: On October 25th Will Ruddick along with Galia Bernartzi from Bancor addressed the UN regarding the potential impacts of blockchain technology @@ -20,7 +20,7 @@ On October 25th, Will Ruddick along with Galia Bernartzi from Bancor addressed a -.. image:: images/blog/un-announcement27.webp +.. image:: images/blog/un-announcement1.webp @@ -48,18 +48,10 @@ In lieu of creating exchanges between communities, Bancor offers a smart contrac -Themed "Blockchains for Social Impact, at the UN Geneva," Will Ruddick (The Pioneer of Community currencies in Kenya) presented research from Universities worldwide on impacts related to Grassroots Economics' Community Currencies and the shift to blockchain technology which enables large data sets of transactions to be analysed. +Themed "Blockchains for Social Impact, at the UN Geneva," Will Ruddick (`The Pioneer of Community currencies in Kenya `_) presented research from Universities worldwide on impacts related to Grassroots Economics' Community Currencies and the shift to blockchain technology which enables large data sets of transactions to be analysed. -Themed "Blockchains for Social Impact, at the UN Geneva," Will Ruddick (The Pioneer of Community currencies in Kenya) presented research from Universities worldwide on impacts related to Grassroots Economics' Community Currencies and the shift to blockchain technology which enables large data sets of transactions to be analysed. - - - -Themed "Blockchains for Social Impact, at the UN Geneva," Will Ruddick (The Pioneer of Community currencies in Kenya) presented research from Universities worldwide on impacts related to Grassroots Economics' Community Currencies and the shift to blockchain technology which enables large data sets of transactions to be analysed. - - ` `_ `The Pioneer of Community currencies in Kenya `_ - He exemplified how this technological development offers a platform to engage people currently outside the formal financial system, mentioning that, " Through Block chain Liquid Community Currencies address the financial inclusion gap existing among people underserved by current financial solutions." @@ -84,15 +76,10 @@ Galia Benartzi, Bancor reinforced this by stating that, "It is unlikely that the -This exciting week at the UN provided a platform to validate how the implementation of blockchain technology in Kenya by Grassroots Economics, will increase local trade and overall economic stability by addressing multiple derivations targeted by the UN. Many NGOs were interested in setting up Liquid Community Currencies as they realized it was possible to track Sustainable Development Goals through transparent blockchain technology hence offering real solutions to worldwide problems. +This exciting week at the UN provided a platform to validate how the implementation of blockchain technology in Kenya by `Grassroots Economics `_, will increase local trade and overall economic stability by addressing multiple derivations targeted by the UN. Many NGOs were interested in setting up Liquid Community Currencies as they realized it was possible to track Sustainable Development Goals through transparent blockchain technology hence offering real solutions to worldwide problems. -This exciting week at the UN provided a platform to validate how the implementation of blockchain technology in Kenya by Grassroots Economics, will increase local trade and overall economic stability by addressing multiple derivations targeted by the UN. Many NGOs were interested in setting up Liquid Community Currencies as they realized it was possible to track Sustainable Development Goals through transparent blockchain technology hence offering real solutions to worldwide problems. - - `Grassroots Economics `_ - - @@ -104,77 +91,15 @@ This exciting week at the UN provided a platform to validate how the implementat - Subscribe on our website to never miss an update! +`Subscribe `_ on our website to never miss an update! - Subscribe on our website to never miss an update! +`Sign up to identify yourself as an early adoptor and contributor. `_ - Subscribe on our website to never miss an update! - - - - Subscribe on our website to never miss an update! - - `Subscribe `_ `Sign up to identify yourself as an early adoptor and contributor. `_ - - - - - - - #LiquidCommunityCurrency #Blockchain #whitepaper #UN #SDG #Bancor #Binance - - -#LiquidCommunityCurrency #Blockchain #whitepaper #UN #SDG #Bancor #Binance - - - -#LiquidCommunityCurrency #Blockchain #whitepaper #UN #SDG #Bancor #Binance - - - -#LiquidCommunityCurrency #Blockchain #whitepaper #UN #SDG #Bancor #Binance - - - -#LiquidCommunityCurrency #Blockchain #whitepaper #UN #SDG #Bancor #Binance - - - -#LiquidCommunityCurrency #Blockchain #whitepaper #UN #SDG #Bancor #Binance - - `#LiquidCommunityCurrency `_ - -#LiquidCommunityCurrency - - `#Blockchain `_ - -#Blockchain - - `#whitepaper `_ - -#whitepaper - - `#UN `_ - -#UN - - `#SDG `_ - -#SDG - - `#Bancor `_ - -#Bancor - - `#Binance `_ - -#Binance - diff --git a/content/blog/universal-basic.rst b/content/blog/universal-basic.rst index 8b8984f..f8393e7 100644 --- a/content/blog/universal-basic.rst +++ b/content/blog/universal-basic.rst @@ -8,7 +8,7 @@ -.. image:: images/blog/universal-basic18.webp +.. image:: images/blog/universal-basic1.webp @@ -95,34 +95,3 @@ While studies are currently underway on Universal Basic Income it is important t #UBI #communitycurrencies #research #cashtransfers #donations - -#UBI #communitycurrencies #research #cashtransfers #donations - - - -#UBI #communitycurrencies #research #cashtransfers #donations - - - -#UBI #communitycurrencies #research #cashtransfers #donations - - `#UBI `_ - -#UBI - - `#communitycurrencies `_ - -#communitycurrencies - - `#research `_ - -#research - - `#cashtransfers `_ - -#cashtransfers - - `#donations `_ - -#donations - diff --git a/content/blog/update-from.rst b/content/blog/update-from.rst index db72148..e6d846c 100644 --- a/content/blog/update-from.rst +++ b/content/blog/update-from.rst @@ -8,7 +8,7 @@ -.. image:: images/blog/update-from18.webp +.. image:: images/blog/update-from1.webp diff --git a/content/blog/use-cases.rst b/content/blog/use-cases.rst index 8f07012..2210336 100644 --- a/content/blog/use-cases.rst +++ b/content/blog/use-cases.rst @@ -52,12 +52,8 @@ In Kibera, Razao Kivinza (pictured above) who sells clothes by the roadside deli - - *'Braiding the Rope' is the term we use for the process of bringing people into the network. People in the community learn from each other and begin to trade with each-other and bring in other traders from their daily life which causes the network to organically grow. Witnessing this organic growth recorded on the blockchain is amazing.* - - -'Braiding the Rope' is the term we use for the process of bringing people into the network. People in the community learn from each other and begin to trade with each-other and bring in other traders from their daily life which causes the network to organically grow. Witnessing this organic growth recorded on the blockchain is amazing. +**'Braiding the Rope'** is the term we use for the process of bringing people into the network. People in the community learn from each other and begin to trade with each-other and bring in other traders from their daily life which causes the network to organically grow. Witnessing this organic growth recorded on the blockchain is amazing. @@ -84,42 +80,3 @@ These examples highlight the proof of impact Community Currency continues to mak #cryptocurrency #blockchain #impact #sustainabledevelopment #Kenya #communitycurrency - -#cryptocurrency #blockchain #impact #sustainabledevelopment #Kenya #communitycurrency - - - -#cryptocurrency #blockchain #impact #sustainabledevelopment #Kenya #communitycurrency - - - -#cryptocurrency #blockchain #impact #sustainabledevelopment #Kenya #communitycurrency - - - -#cryptocurrency #blockchain #impact #sustainabledevelopment #Kenya #communitycurrency - - `#cryptocurrency `_ - -#cryptocurrency - - `#blockchain `_ - -#blockchain - - `#impact `_ - -#impact - - `#sustainabledevelopment `_ - -#sustainabledevelopment - - `#Kenya `_ - -#Kenya - - `#communitycurrency `_ - -#communitycurrency - diff --git a/content/blog/wanjala-visits.rst b/content/blog/wanjala-visits.rst index 4bcc295..228d572 100644 --- a/content/blog/wanjala-visits.rst +++ b/content/blog/wanjala-visits.rst @@ -62,17 +62,3 @@ Wanjala's school in Nairobi (Sifa Children's Home) is one of three (including Ka -#education #schoolfees #bangla - - `#education `_ - -#education - - `#schoolfees `_ - -#schoolfees - - `#bangla `_ - -#bangla - diff --git a/content/blog/when-a.rst b/content/blog/when-a.rst index 1e13087..9e8c063 100644 --- a/content/blog/when-a.rst +++ b/content/blog/when-a.rst @@ -1,24 +1,22 @@ - - -Community-based savings and loans are often what keep under-resourced economies afloat. In Kenya, these savings groups or chamas, as they are locally known, are an important source of funds in times of scarcity. We zone in on some of the women who use Sarafu to show how the community currency has enabled them to increase their savings. - - *Community-based savings and loans are often what keep under-resourced economies afloat. In Kenya, these savings groups or chamas, as they are locally known, are an important source of funds in times of scarcity. We zone in on some of the women who use Sarafu to show how the community currency has enabled them to increase their savings.* - - -Community-based savings and loans are often what keep under-resourced economies afloat. In Kenya, these savings groups or chamas, as they are locally known, are an important source of funds in times of scarcity. We zone in on some of the women who use Sarafu to show how the community currency has enabled them to increase their savings. +:title: When a woman saves the community wins +:date: Jun 20 2019 +:slug: when-a +:author: rebeccamqamelo - +Community-based savings and loans are often what keep under-resourced economies afloat. In Kenya, these savings groups or *chamas*, as they are locally known, are an important source of funds in times of scarcity. We zone in on some of the women who use Sarafu to show how the community currency has enabled them to increase their savings. - **How it works: Reba's story** + + +**How it works: Reba's story** -.. image:: images/blog/when-a32.webp +.. image:: images/blog/when-a1.webp @@ -44,7 +42,7 @@ Reba believes in the power of collective saving. Since using Sarafu, she has not - **A new financial savings tool** +**A new financial savings tool** @@ -107,58 +105,9 @@ Before using Sarafu, Kuzumi Katuma used to save between 1,000 and 2,000 Kenyan s - - - - - - - - - - - - - - - - - - - - - - - - - - - - Grace Dzidza lives in Miyani and sells paraffin. She says using Sarafu helped her grow her customer base and she can now save about 600 Kenyan shillings more per month than she was able to before. She uses most of this money to pay for one of her daughter’s high school fees. - - - - - - - - - - - - - - - - - - - - - @@ -171,17 +120,3 @@ Community currencies are a multi-dimensional development tool. These women’s s -#saving #sustainabledevelopment #women - - `#saving `_ - -#saving - - `#sustainabledevelopment `_ - -#sustainabledevelopment - - `#women `_ - -#women - diff --git a/content/blog/white-house.rst b/content/blog/white-house.rst index acfdbeb..02266ce 100644 --- a/content/blog/white-house.rst +++ b/content/blog/white-house.rst @@ -8,13 +8,12 @@ -.. image:: images/blog/white-house18.webp +.. image:: images/blog/white-house1.webp - Grassroots Economics Director, Caroline Dama, visited the White House on Wednesday as a finalist in the WomensConnect USAID program - *Grassroots Economics Director, Caroline Dama, visited the White House on Wednesday as a finalist in the WomensConnect USAID program* +*Grassroots Economics Director, Caroline Dama, visited the White House on Wednesday as a finalist in the WomensConnect USAID program* @@ -56,42 +55,3 @@ This revolutionary program will be piloted in partnership with Bancor Foundation #usaid #white #house #usa #bancor #blockchain - -#usaid #white #house #usa #bancor #blockchain - - - -#usaid #white #house #usa #bancor #blockchain - - - -#usaid #white #house #usa #bancor #blockchain - - - -#usaid #white #house #usa #bancor #blockchain - - `#usaid `_ - -#usaid - - `#white `_ - -#white - - `#house `_ - -#house - - `#usa `_ - -#usa - - `#bancor `_ - -#bancor - - `#blockchain `_ - -#blockchain - diff --git a/content/blog/who-could.rst b/content/blog/who-could.rst index 52bf66b..29c6bb3 100644 --- a/content/blog/who-could.rst +++ b/content/blog/who-could.rst @@ -47,26 +47,3 @@ This year, the program saw around 90 street children and youth, like Amfrey, Oma #motomoto #performingarts #poi #burnerswithoutborders - -#motomoto #performingarts #poi #burnerswithoutborders - - - -#motomoto #performingarts #poi #burnerswithoutborders - - `#motomoto `_ - -#motomoto - - `#performingarts `_ - -#performingarts - - `#poi `_ - -#poi - - `#burnerswithoutborders `_ - -#burnerswithoutborders - diff --git a/content/blog/why-robinson.rst b/content/blog/why-robinson.rst index 6351a6f..f15d1d6 100644 --- a/content/blog/why-robinson.rst +++ b/content/blog/why-robinson.rst @@ -3,9 +3,9 @@ :date: Jan 29, 2019 :slug: why-robinson -:summary: S: How long have you been on this island? -R.C.: Thirty years. -S: and you still appeal to the theory of value?!?! ..... +:summary: S: How long have you been on this island? + R.C.: Thirty years. + S: and you still appeal to the theory of value?!?! ..... @@ -14,40 +14,23 @@ S: and you still appeal to the theory of value?!?! ..... -.. image:: images/blog/why-robinson21.webp +.. image:: images/blog/why-robinson1.webp -Silvio Gesell wrote his theory of money and ‘a natural economic order’, from which this story is extracted, in 1890. His views on interest bearing debt at the heart of capitalism's failure have led currency innovators for over 100 years. - - **Silvio Gesell wrote his theory of money and ‘a natural economic order’, from which this story is extracted, in 1890. His views on interest bearing debt at the heart of capitalism's failure have led currency innovators for over 100 years.** - - -Silvio Gesell wrote his theory of money and ‘a natural economic order’, from which this story is extracted, in 1890. His views on interest bearing debt at the heart of capitalism's failure have led currency innovators for over 100 years. +Silvio Gesell wrote his theory of money and ‘a natural economic order’, from which this story is extracted, in **1890**. His views on interest bearing debt at the heart of capitalism's failure have led currency innovators for over 100 years. -Thanks to Prof. Ester Barinaga for pointing it out to me again - It is one of my favorite just-so stories (Along with the 11th Round and The 3 EURO or 300 Shillling Note) that call out the dysfunction of our global economic system in a way we can all understand. +Thanks to Prof. Ester Barinaga for pointing it out to me again - It is one of my favorite just-so stories (Along with the `11th Round `_ and The 3 EURO or 300 Shillling Note) that call out the dysfunction of our global economic system in a way we can all understand. -Thanks to Prof. Ester Barinaga for pointing it out to me again - It is one of my favorite just-so stories (Along with the 11th Round and The 3 EURO or 300 Shillling Note) that call out the dysfunction of our global economic system in a way we can all understand. - - *Thanks to Prof. Ester Barinaga for pointing it out to me again - It is one of my favorite just-so stories (Along with the 11th Round and The 3 EURO or 300 Shillling Note) that call out the dysfunction of our global economic system in a way we can all understand.* - - -Thanks to Prof. Ester Barinaga for pointing it out to me again - It is one of my favorite just-so stories (Along with the 11th Round and The 3 EURO or 300 Shillling Note) that call out the dysfunction of our global economic system in a way we can all understand. - - `11th Round `_ - - **A Story of Robinson Crusoe - by Silvio Gesell 1890** - *A Story of Robinson Crusoe - by Silvio Gesell 1890* +**A Story of Robinson Crusoe - by Silvio Gesell 1890** - - To introduce the theory of interest here expounded, and to facilitate the removal of old prejudices, which are nowhere stronger than in connection with the subject of interest, I shall begin with a story of Robinson Crusoe. @@ -110,419 +93,175 @@ At these words Crusoe’s thoughts flew from his provisions to the possibility o - - **Robinson Crusoe: An admirable religion! But from what motive do you expect me to advance you provisions from my stores if you pay me no interest?** +**Robinson Crusoe:** An admirable religion! But from what motive do you expect me to advance you provisions from my stores if you pay me no interest? -Robinson Crusoe: An admirable religion! But from what motive do you expect me to advance you provisions from my stores if you pay me no interest? - - **Stranger: From pure egoism, my dear fellow, from your self-interest rightly understood. Because you gain, and gain enormously.** - - -Stranger: From pure egoism, my dear fellow, from your self-interest rightly understood. Because you gain, and gain enormously. +**Stranger:** From pure egoism, my dear fellow, from your self-interest rightly understood. Because you gain, and gain enormously. - **R.C.: That, stranger you have to prove. I confess that I can see no advantage in lending you my provisions free of interest.** +**R.C.:** That, stranger you have to prove. I confess that I can see no advantage in lending you my provisions free of interest. -R.C.: That, stranger you have to prove. I confess that I can see no advantage in lending you my provisions free of interest. +**S:** I shall prove it in black and white, and if you can follow my proof, you will agree to a loan without interest, and thank me into the bargain. I need, first of all, clothes, for, as you can see, I am naked. Have you a supply of clothes? - - **S: I shall prove it in black and white, and if you can follow my proof, you will agree to a loan without interest, and thank me into the bargain. I need, first of all, clothes, for, as you can see, I am naked. Have you a supply of clothes?** -S: I shall prove it in black and white, and if you can follow my proof, you will agree to a loan without interest, and thank me into the bargain. I need, first of all, clothes, for, as you can see, I am naked. Have you a supply of clothes? +**R.C.:** That chest is packed with buckskin suits. +**S:** My dear Crusoe! I had more respect for your intelligence. Just fancy nailing up clothes for three years in a chest – buckskins, the favorite diet of moths! And buckskins must be kept aired and rubbed with grease, otherwise they become hard and brittle. -S: I shall prove it in black and white, and if you can follow my proof, you will agree to a loan without interest, and thank me into the bargain. I need, first of all, clothes, for, as you can see, I am naked. Have you a supply of clothes? +**R.C.:** That is true, but I have no choice in the matter. They would be no safer in my clothes-cupboard – less safe, indeed, for it is infested by rats and mice as well as by moths. -S: I shall prove it in black and white, and if you can follow my proof, you will agree to a loan without interest, and thank me into the bargain. I need, first of all, clothes, for, as you can see, I am naked. Have you a supply of clothes? +**S:** The mice will get them in any case. Look how they have already started to gnaw their way in! - **R.C.: That chest is packed with buckskin suits.** +**R.C.:** Confound the brutes! I am helpless against them. -R.C.: That chest is packed with buckskin suits. - +**S:** What! A human being helpless against mice! I will show you how to protect yourself against rats and mice and moths, against thieves and brittleness, dust and mildew. Lend me these clothes for one, two or three years and I agree to make you new clothes as soon as you require them. You will receive as many suits as you have lent me, and the new suits will be far superior to those you would have taken from this chest. Nor will you regret the absence of the particular perfume you have employed! Do you agree? - **S: My dear Crusoe! I had more respect for your intelligence. Just fancy nailing up clothes for three years in a chest – buckskins, the favorite diet of moths! And buckskins must be kept aired and rubbed with grease, otherwise they become hard and brittle.** -S: My dear Crusoe! I had more respect for your intelligence. Just fancy nailing up clothes for three years in a chest – buckskins, the favorite diet of moths! And buckskins must be kept aired and rubbed with grease, otherwise they become hard and brittle. +**R.C.:** Yes, stranger, I agree to lend you the chest of clothes; I see that, in this case, the loan, even without interest, is to my advantage. -S: My dear Crusoe! I had more respect for your intelligence. Just fancy nailing up clothes for three years in a chest – buckskins, the favorite diet of moths! And buckskins must be kept aired and rubbed with grease, otherwise they become hard and brittle. +**S:** Now show me your wheat; I need some for bread and seed, -S: My dear Crusoe! I had more respect for your intelligence. Just fancy nailing up clothes for three years in a chest – buckskins, the favorite diet of moths! And buckskins must be kept aired and rubbed with grease, otherwise they become hard and brittle. +**R.C.:** It is buried in this mound. - **R.C.: That is true, but I have no choice in the matter. They would be no safer in my clothes-cupboard – less safe, indeed, for it is infested by rats and mice as well as by moths.** +**S:** Wheat buried for three years! What about mildew and beetles? -R.C.: That is true, but I have no choice in the matter. They would be no safer in my clothes-cupboard – less safe, indeed, for it is infested by rats and mice as well as by moths. - +**R.C.:** I have thought of them and considered every other possibility, but this is the best I can do. - **S: The mice will get them in any case. Look how they have already started to gnaw their way in!** -S: The mice will get them in any case. Look how they have already started to gnaw their way in! +**S:** Just bend down a moment. Observe this beetle crawling on the surface of the mound. Note the garbage and the spreading patch of mildew. It is high time to take out and air the wheat. +**R.C.:** This capital will be my ruin! If I only could find some method of protecting myself against the thousand destructive forces of nature! -S: The mice will get them in any case. Look how they have already started to gnaw their way in! +**S:** Let me tell you, Crusoe, how we manage at home. We build a dry and airy shed and shake out the wheat on the boarded floor. Every three weeks the whole mass is turned over with wooden shovels. We also keep a number of cats; we set mouse-traps and insure against fire. In this way we keep the annual depreciation down to 10 per cent. -S: The mice will get them in any case. Look how they have already started to gnaw their way in! +**R.C.:** But the labor and expense! - **R.C.: Confound the brutes! I am helpless against them.** +**S:** Exactly You shrink from the labor and expense. In that case you have another course. Lend me your wheat and I shall replace it, pound for pound, sack for sack, with fresh wheat from my harvest. You thus save the labor of building a shed and turning over the wheat; you need feed no cats, you avoid the loss of weight, and instead of mouldy rubbish you will have fresh, nutritious wheat. -R.C.: Confound the brutes! I am helpless against them. +**R.C.:** With all my heart I accept your proposal. +**S:** That is, you will lend me your wheat free of interest? - - **S: What! A human being helpless against mice! I will show you how to protect yourself against rats and mice and moths, against thieves and brittleness, dust and mildew. Lend me these clothes for one, two or three years and I agree to make you new clothes as soon as you require them. You will receive as many suits as you have lent me, and the new suits will be far superior to those you would have taken from this chest. Nor will you regret the absence of the particular perfume you have employed! Do you agree?** +**R.C.:** Certainly; without interest and with my best thanks. -S: What! A human being helpless against mice! I will show you how to protect yourself against rats and mice and moths, against thieves and brittleness, dust and mildew. Lend me these clothes for one, two or three years and I agree to make you new clothes as soon as you require them. You will receive as many suits as you have lent me, and the new suits will be far superior to those you would have taken from this chest. Nor will you regret the absence of the particular perfume you have employed! Do you agree? +**S:** But I can only use part of the wheat, I do not need it all. +**R.C.:** Suppose I give you the whole store with the understanding that for every ten sacks lent you give me back nine sacks? -S: What! A human being helpless against mice! I will show you how to protect yourself against rats and mice and moths, against thieves and brittleness, dust and mildew. Lend me these clothes for one, two or three years and I agree to make you new clothes as soon as you require them. You will receive as many suits as you have lent me, and the new suits will be far superior to those you would have taken from this chest. Nor will you regret the absence of the particular perfume you have employed! Do you agree? +**S:** I must decline your offer, for it would mean interest – not indeed positive, but negative interest. The receiver, not the giver of the loan, would be a capitalist, and my religion does not permit usury; even negative interest is forbidden. I propose therefore the following agreement. Entrust me with the supervision of your wheat, the construction of the shed, and whatever else is necessary. In return you can pay me, annually, from every ten sacks two sacks as wages. -S: What! A human being helpless against mice! I will show you how to protect yourself against rats and mice and moths, against thieves and brittleness, dust and mildew. Lend me these clothes for one, two or three years and I agree to make you new clothes as soon as you require them. You will receive as many suits as you have lent me, and the new suits will be far superior to those you would have taken from this chest. Nor will you regret the absence of the particular perfume you have employed! Do you agree? - **R.C.: Yes, stranger, I agree to lend you the chest of clothes; I see that, in this case, the loan, even without interest, is to my advantage.** +**R.C.:** It makes no difference to me whether your service comes under the heading of usury or of labor. The agreement is, then, that I give you ten sacks and that you give me back eight sacks? -R.C.: Yes, stranger, I agree to lend you the chest of clothes; I see that, in this case, the loan, even without interest, is to my advantage. +**S:** But I need other articles, a plough, a cart and tools. Do you consent to lend them, also, without interest? I promise to return everything in perfect order, a new spade for a new spade, a new, unrusted, chain for a new chain, and so forth. - +**R.C.:** Of course I consent. All I have at present from my stores is work. Lately the river overflowed and flooded the shed, covering everything with mud. Then a storm blew off the roof and everything was damaged by rain. Now we have drought, and the wind is blowing in sand and dust. Rust, decay, breakage, drought, light, darkness, dry-rot, ants, keep up a never-ending attack. We can congratulate ourselves here upon having , at least, no thieves and incendiaries. I am delighted that, by means of a loan, I can now store my belongings without expense, labor, loss or vexation, until I need them later. - **S: Now show me your wheat; I need some for bread and seed,** +**S:** That is, you now see the advantage you gain by lending me your provisions free of interest? -S: Now show me your wheat; I need some for bread and seed, +**R.C.:** Of course I do. But the question now occurs to me, why do similar stores of provisions at home bring their possessors interest? - - **R.C.: It is buried in this mound.** +**S:** The explanation lies in money which is there the medium of such transactions. -R.C.: It is buried in this mound. +**R.C.:** What? The cause of interest lies in money? That is impossible, for listen to what Marx says of money and interest: " Work is the source of interest (surplus-value). Interest, which converts money into capital, cannot be derived from money. If it is true that money is a medium of exchange, then its function is merely to pay the price of the goods which it purchases. If it thus remains unchanged it cannot increase in value. Surplus value (interest) must therefore be derived from the goods purchased which are sold at an increase of price. This change can neither occur at the time of purchase not at the time of sale, for on these occasions equivalents are exchanged. The only remaining hypothesis is, therefore, that the change happens through the use of the goods after their purchase and before their sale." (Marx. Capital, chap. VI). - - - **S: Wheat buried for three years! What about mildew and beetles?** - - -S: Wheat buried for three years! What about mildew and beetles? - - - - - - **R.C.: I have thought of them and considered every other possibility, but this is the best I can do.** - - -R.C.: I have thought of them and considered every other possibility, but this is the best I can do. - - - - - - **S: Just bend down a moment. Observe this beetle crawling on the surface of the mound. Note the garbage and the spreading patch of mildew. It is high time to take out and air the wheat.** - - -S: Just bend down a moment. Observe this beetle crawling on the surface of the mound. Note the garbage and the spreading patch of mildew. It is high time to take out and air the wheat. - - - - -S: Just bend down a moment. Observe this beetle crawling on the surface of the mound. Note the garbage and the spreading patch of mildew. It is high time to take out and air the wheat. - - - - -S: Just bend down a moment. Observe this beetle crawling on the surface of the mound. Note the garbage and the spreading patch of mildew. It is high time to take out and air the wheat. - - - **R.C.: This capital will be my ruin! If I only could find some method of protecting myself against the thousand destructive forces of nature!** - - -R.C.: This capital will be my ruin! If I only could find some method of protecting myself against the thousand destructive forces of nature! - - - - - - **S: Let me tell you, Crusoe, how we manage at home. We build a dry and airy shed and shake out the wheat on the boarded floor. Every three weeks the whole mass is turned over with wooden shovels. We also keep a number of cats; we set mouse-traps and insure against fire. In this way we keep the annual depreciation down to 10 per cent.** - - -S: Let me tell you, Crusoe, how we manage at home. We build a dry and airy shed and shake out the wheat on the boarded floor. Every three weeks the whole mass is turned over with wooden shovels. We also keep a number of cats; we set mouse-traps and insure against fire. In this way we keep the annual depreciation down to 10 per cent. - - - - -S: Let me tell you, Crusoe, how we manage at home. We build a dry and airy shed and shake out the wheat on the boarded floor. Every three weeks the whole mass is turned over with wooden shovels. We also keep a number of cats; we set mouse-traps and insure against fire. In this way we keep the annual depreciation down to 10 per cent. - - - - -S: Let me tell you, Crusoe, how we manage at home. We build a dry and airy shed and shake out the wheat on the boarded floor. Every three weeks the whole mass is turned over with wooden shovels. We also keep a number of cats; we set mouse-traps and insure against fire. In this way we keep the annual depreciation down to 10 per cent. - - - **R.C.: But the labor and expense!** - - -R.C.: But the labor and expense! - - **S: Exactly You shrink from the labor and expense. In that case you have another course. Lend me your wheat and I shall replace it, pound for pound, sack for sack, with fresh wheat from my harvest. You thus save the labor of building a shed and turning over the wheat; you need feed no cats, you avoid the loss of weight, and instead of mouldy rubbish you will have fresh, nutritious wheat.** - - -S: Exactly You shrink from the labor and expense. In that case you have another course. Lend me your wheat and I shall replace it, pound for pound, sack for sack, with fresh wheat from my harvest. You thus save the labor of building a shed and turning over the wheat; you need feed no cats, you avoid the loss of weight, and instead of mouldy rubbish you will have fresh, nutritious wheat. - - - - -S: Exactly You shrink from the labor and expense. In that case you have another course. Lend me your wheat and I shall replace it, pound for pound, sack for sack, with fresh wheat from my harvest. You thus save the labor of building a shed and turning over the wheat; you need feed no cats, you avoid the loss of weight, and instead of mouldy rubbish you will have fresh, nutritious wheat. - - - - -S: Exactly You shrink from the labor and expense. In that case you have another course. Lend me your wheat and I shall replace it, pound for pound, sack for sack, with fresh wheat from my harvest. You thus save the labor of building a shed and turning over the wheat; you need feed no cats, you avoid the loss of weight, and instead of mouldy rubbish you will have fresh, nutritious wheat. - - - **R.C.: With all my heart I accept your proposal.** - - -R.C.: With all my heart I accept your proposal. - - **S: That is, you will lend me your wheat free of interest?** - - -S: That is, you will lend me your wheat free of interest? - - - - -S: That is, you will lend me your wheat free of interest? - - - - -S: That is, you will lend me your wheat free of interest? - - - **R.C.: Certainly; without interest and with my best thanks.** - - -R.C.: Certainly; without interest and with my best thanks. - - **S: But I can only use part of the wheat, I do not need it all.** - - -S: But I can only use part of the wheat, I do not need it all. - - **R.C.:Suppose I give you the whole store with the understanding that for every ten sacks lent you give me back nine sacks?** - - -R.C.:Suppose I give you the whole store with the understanding that for every ten sacks lent you give me back nine sacks? - - **S: I must decline your offer, for it would mean interest – not indeed positive, but negative interest. The receiver, not the giver of the loan, would be a capitalist, and my religion does not permit usury; even negative interest is forbidden. I propose therefore the following agreement. Entrust me with the supervision of your wheat, the construction of the shed, and whatever else is necessary. In return you can pay me, annually, from every ten sacks two sacks as wages.** - - -S: I must decline your offer, for it would mean interest – not indeed positive, but negative interest. The receiver, not the giver of the loan, would be a capitalist, and my religion does not permit usury; even negative interest is forbidden. I propose therefore the following agreement. Entrust me with the supervision of your wheat, the construction of the shed, and whatever else is necessary. In return you can pay me, annually, from every ten sacks two sacks as wages. - - - - -S: I must decline your offer, for it would mean interest – not indeed positive, but negative interest. The receiver, not the giver of the loan, would be a capitalist, and my religion does not permit usury; even negative interest is forbidden. I propose therefore the following agreement. Entrust me with the supervision of your wheat, the construction of the shed, and whatever else is necessary. In return you can pay me, annually, from every ten sacks two sacks as wages. - - - - -S: I must decline your offer, for it would mean interest – not indeed positive, but negative interest. The receiver, not the giver of the loan, would be a capitalist, and my religion does not permit usury; even negative interest is forbidden. I propose therefore the following agreement. Entrust me with the supervision of your wheat, the construction of the shed, and whatever else is necessary. In return you can pay me, annually, from every ten sacks two sacks as wages. - - - **R.C.: It makes no difference to me whether your service comes under the heading of usury or of labor. The agreement is, then, that I give you ten sacks and that you give me back eight sacks?** - - -R.C.: It makes no difference to me whether your service comes under the heading of usury or of labor. The agreement is, then, that I give you ten sacks and that you give me back eight sacks? - - **S: But I need other articles, a plough, a cart and tools. Do you consent to lend them, also, without interest? I promise to return everything in perfect order, a new spade for a new spade, a new, unrusted, chain for a new chain, and so forth.** - - -S: But I need other articles, a plough, a cart and tools. Do you consent to lend them, also, without interest? I promise to return everything in perfect order, a new spade for a new spade, a new, unrusted, chain for a new chain, and so forth. - - - - -S: But I need other articles, a plough, a cart and tools. Do you consent to lend them, also, without interest? I promise to return everything in perfect order, a new spade for a new spade, a new, unrusted, chain for a new chain, and so forth. - - - - -S: But I need other articles, a plough, a cart and tools. Do you consent to lend them, also, without interest? I promise to return everything in perfect order, a new spade for a new spade, a new, unrusted, chain for a new chain, and so forth. - - - **R.C.: Of course I consent. All I have at present from my stores is work. Lately the river overflowed and flooded the shed, covering everything with mud. Then a storm blew off the roof and everything was damaged by rain. Now we have drought, and the wind is blowing in sand and dust. Rust, decay, breakage, drought, light, darkness, dry-rot, ants, keep up a never-ending attack. We can congratulate ourselves here upon having , at least, no thieves and incendiaries. I am delighted that, by means of a loan, I can now store my belongings without expense, labor, loss or vexation, until I need them later.** - - -R.C.: Of course I consent. All I have at present from my stores is work. Lately the river overflowed and flooded the shed, covering everything with mud. Then a storm blew off the roof and everything was damaged by rain. Now we have drought, and the wind is blowing in sand and dust. Rust, decay, breakage, drought, light, darkness, dry-rot, ants, keep up a never-ending attack. We can congratulate ourselves here upon having , at least, no thieves and incendiaries. I am delighted that, by means of a loan, I can now store my belongings without expense, labor, loss or vexation, until I need them later. - - **S: That is, you now see the advantage you gain by lending me your provisions free of interest?** - - -S: That is, you now see the advantage you gain by lending me your provisions free of interest? - - - - -S: That is, you now see the advantage you gain by lending me your provisions free of interest? - - - - -S: That is, you now see the advantage you gain by lending me your provisions free of interest? - - - **R.C.: Of course I do. But the question now occurs to me, why do similar stores of provisions at home bring their possessors interest?** - - -R.C.: Of course I do. But the question now occurs to me, why do similar stores of provisions at home bring their possessors interest? - - **S: The explanation lies in money which is there the medium of such transactions.** - - -S: The explanation lies in money which is there the medium of such transactions. - - - - -S: The explanation lies in money which is there the medium of such transactions. - - - - -S: The explanation lies in money which is there the medium of such transactions. - - - **R.C.: What? The cause of interest lies in money? That is impossible, for listen to what Marx says of money and interest: " Work is the source of interest (surplus-value). Interest, which converts money into capital, cannot be derived from money. If it is true that money is a medium of exchange, then its function is merely to pay the price of the goods which it purchases. If it thus remains unchanged it cannot increase in value. Surplus value (interest) must therefore be derived from the goods purchased which are sold at an increase of price. This change can neither occur at the time of purchase not at the time of sale, for on these occasions equivalents are exchanged. The only remaining hypothesis is, therefore, that the change happens through the use of the goods after their purchase and before their sale." (Marx. Capital, chap. VI).** - - -R.C.: What? The cause of interest lies in money? That is impossible, for listen to what Marx says of money and interest: " Work is the source of interest (surplus-value). Interest, which converts money into capital, cannot be derived from money. If it is true that money is a medium of exchange, then its function is merely to pay the price of the goods which it purchases. If it thus remains unchanged it cannot increase in value. Surplus value (interest) must therefore be derived from the goods purchased which are sold at an increase of price. This change can neither occur at the time of purchase not at the time of sale, for on these occasions equivalents are exchanged. The only remaining hypothesis is, therefore, that the change happens through the use of the goods after their purchase and before their sale." (Marx. Capital, chap. VI). - - - - - - **S: How long have you been on this island?** S: How long have you been on this island? - - - - **R.C.: Thirty years.** +**R.C.:** Thirty years. -R.C.: Thirty years. + + +**S:** I thought so! You still appeal to the theory of value. My dear Sir, that theory is dead and buried. At the present day it has no representatives. + + +**R.C.:** What? You assert that Marx’s theory of interest is dead and buried? Even if no one else represents it – I represent it! + + +**S:** Well then, represent it not only in theory but also in practice – if you wish, in relation to me! I hereby break off the bargain we have just made. From their nature and destination your goods are the purest form of what is usually called capital. I challenge you to take up the position of a capitalist towards me. I need your stuff. No worker ever appeared before a capitalist as naked as I stand before you. Never has there been so clear an illustration of the relation between the owner of capital and the individual in need of capital. And now make the attempt to exact interest! Shall we begin our bargaining again from the beginning? + + + +**R.C.:** Surrender! Rats, moths and rust have broken my power as a capitalist. But tell me, what is your explanation of interest? + + +**S:** The explanation is simple enough. If there were a monetary system on this island and I , as a shipwrecked traveller, needed a loan, I would have to apply to a money –lender for money to buy things which you have just lent me without interest. But a money-lender has not to worry about rats, moths, rust and roof-repairing, so I could not have taken up the position towards him that I have taken up towards you. The loss inseparable from the ownership of goods (there is the dog running off with one of your – or rather – my buckskins!) is borne, not by moneylenders, but by those who have to store the goods. The money-lender is free from such cares and is unmoved by the ingenious arguments which found the joints in your armour. You did not nail up your chest of buckskins when I refused to pay interest; the nature of your capital made you willing to continue the negotiations. Not so the money-capitalist; he would bang the door of his strong-room before my face if I announced that I would pay no interest. Yet I do not need the money itself, I only need money to buy buckskins. The buckskins you give me without interest: but upon the money to buy buckskins I must pay interest! + + +**R.C.:** Then the cause of interest is to be sought in money? And Marx is wrong? + + +**S:** Of course Marx is wrong. He under-estimated the importance of money, the nervous system of economic life, so it is not surprising that he went wrong over other things of fundamental importance. Like all his disciples he made the mistake of excluding money form the scope of his inquiry. He was fascinated by the shining metal disks, otherwise he could never have used the following words: "Gold and silver are not by nature money, but money is by nature gold and silver, witness the coincidence of their natural properties with its functions". + + +**R.C.:** Practice certainly does not agree with Marx’s theory – that has been clearly proved by our negotiations. Money is for Marx only a medium of exchange; but money does more, it seems, than "merely pay the price of the goods it purchases". When the borrower refuses to pay interest, the banker can bang the door of his safe without experiencing any of the cares which beset the owner of goods (capital) – that is the root of the matter. - **S: I thought so! You still appeal to the theory of value. My dear Sir, that theory is dead and buried. At the present day it has no representatives.** - - -S: I thought so! You still appeal to the theory of value. My dear Sir, that theory is dead and buried. At the present day it has no representatives. - - **R.C.: What? You assert that Marx’s theory of interest is dead and buried? Even if no one else represents it – I represent it!** - - -R.C.: What? You assert that Marx’s theory of interest is dead and buried? Even if no one else represents it – I represent it! - - **S: Well then, represent it not only in theory but also in practice – if you wish, in relation to me! I hereby break off the bargain we have just made. From their nature and destination your goods are the purest form of what is usually called capital. I challenge you to take up the position of a capitalist towards me. I need your stuff. No worker ever appeared before a capitalist as naked as I stand before you. Never has there been so clear an illustration of the relation between the owner of capital and the individual in need of capital. And now make the attempt to exact interest! Shall we begin our bargaining again from the beginning?** - - -S: Well then, represent it not only in theory but also in practice – if you wish, in relation to me! I hereby break off the bargain we have just made. From their nature and destination your goods are the purest form of what is usually called capital. I challenge you to take up the position of a capitalist towards me. I need your stuff. No worker ever appeared before a capitalist as naked as I stand before you. Never has there been so clear an illustration of the relation between the owner of capital and the individual in need of capital. And now make the attempt to exact interest! Shall we begin our bargaining again from the beginning? - - **R.C.: Surrender! Rats, moths and rust have broken my power as a capitalist. But tell me, what is your explanation of interest?** - - -R.C.: Surrender! Rats, moths and rust have broken my power as a capitalist. But tell me, what is your explanation of interest? - - **S: The explanation is simple enough. If there were a monetary system on this island and I , as a shipwrecked traveller, needed a loan, I would have to apply to a money –lender for money to buy things which you have just lent me without interest. But a money-lender has not to worry about rats, moths, rust and roof-repairing, so I could not have taken up the position towards him that I have taken up towards you. The loss inseparable from the ownership of goods (there is the dog running off with one of your – or rather – my buckskins!) is borne, not by moneylenders, but by those who have to store the goods. The money-lender is free from such cares and is unmoved by the ingenious arguments which found the joints in your armour. You did not nail up your chest of buckskins when I refused to pay interest; the nature of your capital made you willing to continue the negotiations. Not so the money-capitalist; he would bang the door of his strong-room before my face if I announced that I would pay no interest. Yet I do not need the money itself, I only need money to buy buckskins. The buckskins you give me without interest: but upon the money to buy buckskins I must pay interest!** - - -S: The explanation is simple enough. If there were a monetary system on this island and I , as a shipwrecked traveller, needed a loan, I would have to apply to a money –lender for money to buy things which you have just lent me without interest. But a money-lender has not to worry about rats, moths, rust and roof-repairing, so I could not have taken up the position towards him that I have taken up towards you. The loss inseparable from the ownership of goods (there is the dog running off with one of your – or rather – my buckskins!) is borne, not by moneylenders, but by those who have to store the goods. The money-lender is free from such cares and is unmoved by the ingenious arguments which found the joints in your armour. You did not nail up your chest of buckskins when I refused to pay interest; the nature of your capital made you willing to continue the negotiations. Not so the money-capitalist; he would bang the door of his strong-room before my face if I announced that I would pay no interest. Yet I do not need the money itself, I only need money to buy buckskins. The buckskins you give me without interest: but upon the money to buy buckskins I must pay interest! - - **R.C.: Then the cause of interest is to be sought in money? And Marx is wrong?** - - -R.C.: Then the cause of interest is to be sought in money? And Marx is wrong? - - **S: Of course Marx is wrong. He under-estimated the importance of money, the nervous system of economic life, so it is not surprising that he went wrong over other things of fundamental importance. Like all his disciples he made the mistake of excluding money form the scope of his inquiry. He was fascinated by the shining metal disks, otherwise he could never have used the following words: "Gold and silver are not by nature money, but money is by nature gold and silver, witness the coincidence of their natural properties with its functions".** - - -S: Of course Marx is wrong. He under-estimated the importance of money, the nervous system of economic life, so it is not surprising that he went wrong over other things of fundamental importance. Like all his disciples he made the mistake of excluding money form the scope of his inquiry. He was fascinated by the shining metal disks, otherwise he could never have used the following words: "Gold and silver are not by nature money, but money is by nature gold and silver, witness the coincidence of their natural properties with its functions". - - **R.C.: Practice certainly does not agree with Marx’s theory – that has been clearly proved by our negotiations. Money is for Marx only a medium of exchange; but money does more, it seems, than "merely pay the price of the goods it purchases". When the borrower refuses to pay interest, the banker can bang the door of his safe without experiencing any of the cares which beset the owner of goods (capital) – that is the root of the matter.** - - -R.C.: Practice certainly does not agree with Marx’s theory – that has been clearly proved by our negotiations. Money is for Marx only a medium of exchange; but money does more, it seems, than "merely pay the price of the goods it purchases". When the borrower refuses to pay interest, the banker can bang the door of his safe without experiencing any of the cares which beset the owner of goods (capital) – that is the root of the matter. - - - - - - **S: Rats, moths and rust are powerful logicians! A single hour of economic practice has taught you more than years of study in the text-books.** - - -S: Rats, moths and rust are powerful logicians! A single hour of economic practice has taught you more than years of study in the text-books. +**S:** Rats, moths and rust are powerful logicians! A single hour of economic practice has taught you more than years of study in the text-books. @@ -538,13 +277,7 @@ The End -As an aside here - we don't currently employ a 'devaluing' currency in our Community Currencies - but rather we pull from it into a community fund that is redistributed as a basic income. We call this demurrage with is essentially a tax on hoarding and a convenient source of a universal basic income. - - **As an aside here - we don't currently employ a 'devaluing' currency in our Community Currencies - but rather we pull from it into a community fund that is redistributed as a basic income. We call this demurrage with is essentially a tax on hoarding and a convenient source of a universal basic income.** - - -As an aside here - we don't currently employ a 'devaluing' currency in our Community Currencies - but rather we pull from it into a community fund that is redistributed as a basic income. We call this demurrage with is essentially a tax on hoarding and a convenient source of a universal basic income. - +As an aside here - we don't currently employ a 'devaluing' currency in our Community Currencies - but rather we pull from it into a community fund that is redistributed as a basic income. We call this **demurrage** with is essentially a tax on hoarding and a convenient source of a universal basic income. diff --git a/content/blog/women-powered.rst b/content/blog/women-powered.rst index 898d43b..19fcd4c 100644 --- a/content/blog/women-powered.rst +++ b/content/blog/women-powered.rst @@ -6,7 +6,7 @@ :summary: It is Women who make up as much as 90% of these networks and are the foundation of the real economy. Enjoy reading about people... - *It is Women who make up as much as 90% of these networks and are the foundation of the real economy. Enjoy reading about people supporting each other in ways we never though possible without National Currency! Special shout out for for International Women's Day !* +*It is Women who make up as much as 90% of these networks and are the foundation of the real economy. Enjoy reading about people supporting each other in ways we never though possible without National Currency! Special shout out for for International Women's Day !* @@ -27,15 +27,13 @@ We've never been able to link currencies together like this before and now have - **1. CONGO** +**1. CONGO** -.. image:: images/blog/women-powered42.webp - - **Susan Lukobo joined Sarafu 4 years ago. Ever since she joined Sarafu (using Congo Pesa her communities currency), she is able to pay teacher’s salaries on time, she has her pupils in class everyday every week, she no longer sends pupils home for school fees since her parents pay fee in Sarafu. She repairs desks from a carpenter who uses Sarafu and her school cook is able to buy lunch at a cheaper rate since she purchases from the Sarafu users.** +.. image:: images/blog/women-powered1.webp -Susan Lukobo joined Sarafu 4 years ago. Ever since she joined Sarafu (using Congo Pesa her communities currency), she is able to pay teacher’s salaries on time, she has her pupils in class everyday every week, she no longer sends pupils home for school fees since her parents pay fee in Sarafu. She repairs desks from a carpenter who uses Sarafu and her school cook is able to buy lunch at a cheaper rate since she purchases from the Sarafu users. +**Susan Lukobo** joined Sarafu 4 years ago. Ever since she joined Sarafu (using Congo Pesa her communities currency), she is able to pay teacher’s salaries on time, she has her pupils in class everyday every week, she no longer sends pupils home for school fees since her parents pay fee in Sarafu. She repairs desks from a carpenter who uses Sarafu and her school cook is able to buy lunch at a cheaper rate since she purchases from the Sarafu users. @@ -43,12 +41,9 @@ Susan Lukobo joined Sarafu 4 years ago. Ever since she joined Sarafu (using Cong - - - **Teacher Eric Mwaka joined sarafu four years ago. Sarafu has helped him save Kenya shillings as he is able to purchase his basic needs from other Sarafu users and in return he offers tuition their children. The amount in Kenya shillings that he is able to save on daily basis, he sends it to his family who are in the village.** -Teacher Eric Mwaka joined sarafu four years ago. Sarafu has helped him save Kenya shillings as he is able to purchase his basic needs from other Sarafu users and in return he offers tuition their children. The amount in Kenya shillings that he is able to save on daily basis, he sends it to his family who are in the village. +**Teacher Eric Mwaka** joined sarafu four years ago. Sarafu has helped him save Kenya shillings as he is able to purchase his basic needs from other Sarafu users and in return he offers tuition their children. The amount in Kenya shillings that he is able to save on daily basis, he sends it to his family who are in the village. @@ -58,10 +53,8 @@ Teacher Eric Mwaka joined sarafu four years ago. Sarafu has helped him save Keny .. image:: images/blog/women-powered78.webp - **Phostina is a carpenter who joined Sarafu 1 month ago. Initially she was accepting desk repairs from Skylife Academy but they were not paying on daily basis due to scarcity of Kenya shillings. When she was introduced to Sarafu, she liked the idea because the school always supplement the Kenya shillings with sarafu. She is now having more customers and she is in a position to sell her excess capacity (firewood, bed, sofa sets and cabinets) using Sarafu. Teachers have been buying beds, sofa sets and cabinets from her . Phostina also uses Sarafu to pay school fees for the daughter who studies in the nearest community (kangemi). She pays her workers in Sarafu also.** - -Phostina is a carpenter who joined Sarafu 1 month ago. Initially she was accepting desk repairs from Skylife Academy but they were not paying on daily basis due to scarcity of Kenya shillings. When she was introduced to Sarafu, she liked the idea because the school always supplement the Kenya shillings with sarafu. She is now having more customers and she is in a position to sell her excess capacity (firewood, bed, sofa sets and cabinets) using Sarafu. Teachers have been buying beds, sofa sets and cabinets from her . Phostina also uses Sarafu to pay school fees for the daughter who studies in the nearest community (kangemi). She pays her workers in Sarafu also. +**Phostina** is a carpenter who joined Sarafu 1 month ago. Initially she was accepting desk repairs from Skylife Academy but they were not paying on daily basis due to scarcity of Kenya shillings. When she was introduced to Sarafu, she liked the idea because the school always supplement the Kenya shillings with sarafu. She is now having more customers and she is in a position to sell her excess capacity (firewood, bed, sofa sets and cabinets) using Sarafu. Teachers have been buying beds, sofa sets and cabinets from her . Phostina also uses Sarafu to pay school fees for the daughter who studies in the nearest community (kangemi). She pays her workers in Sarafu also. @@ -71,10 +64,8 @@ Phostina is a carpenter who joined Sarafu 1 month ago. Initially she was accept .. image:: images/blog/women-powered96.webp - **Doris owns a hotel near the carpenter and the school. She joined Sarafu 3 months ago. She is able to use Sarafu to buy firewood from Phostina . When teachers discovered that she joined Sarafu, they have been eating in her hotel. She is now having more customers who generate more income to her.** - -Doris owns a hotel near the carpenter and the school. She joined Sarafu 3 months ago. She is able to use Sarafu to buy firewood from Phostina . When teachers discovered that she joined Sarafu, they have been eating in her hotel. She is now having more customers who generate more income to her. +**Doris** owns a hotel near the carpenter and the school. She joined Sarafu 3 months ago. She is able to use Sarafu to buy firewood from Phostina . When teachers discovered that she joined Sarafu, they have been eating in her hotel. She is now having more customers who generate more income to her. @@ -84,7 +75,7 @@ Doris owns a hotel near the carpenter and the school. She joined Sarafu 3 mont - **2. GATINA** +**2. GATINA** @@ -93,10 +84,9 @@ Doris owns a hotel near the carpenter and the school. She joined Sarafu 3 mont .. image:: images/blog/women-powered124.webp - **Jackline Kasiva has been a member of Sarafu network for the last 9 months. Initially she never had clients on daily basis since people don’t plait hair every day. She could end up spending a day or two without clients. Others who came with less money were not plaited since she preferred money for every service offered. When she joined Sarafu, she no longer sends her clients back with the little Kenya shillings that they bring, in fact she encourages them to supplement with Sarafu and she is able to plait them. Sarafu has made her expand her business. She is also saving Kenya shillings whenever she spent Sarafu and now she is not only plaiting hair but she is also selling the hair products.** - Jackline Kasiva has been a member of Sarafu network for the last 9 months. Initially she never had clients on daily basis since people don’t plait hair every day. She could end up spending a day or two without clients. Others who came with less money were not plaited since she preferred money for every service offered. When she joined Sarafu, she no longer sends her clients back with the little Kenya shillings that they bring, in fact she encourages them to supplement with Sarafu and she is able to plait them. Sarafu has made her expand her business. She is also saving Kenya shillings whenever she spent Sarafu and now she is not only plaiting hair but she is also selling the hair products. +**Jackline Kasiva** has been a member of Sarafu network for the last 9 months. Initially she never had clients on daily basis since people don’t plait hair every day. She could end up spending a day or two without clients. Others who came with less money were not plaited since she preferred money for every service offered. When she joined Sarafu, she no longer sends her clients back with the little Kenya shillings that they bring, in fact she encourages them to supplement with Sarafu and she is able to plait them. Sarafu has made her expand her business. She is also saving Kenya shillings whenever she spent Sarafu and now she is not only plaiting hair but she is also selling the hair products. @@ -104,12 +94,8 @@ Doris owns a hotel near the carpenter and the school. She joined Sarafu 3 mont - - **Jacinta Mutumi is a tailor based in Gatina. She joined sarafu 5 months ago and she is happy that Sarafu made her get more customers who want their clothes mended or want their children’s uniform repaired. She was able to save Kenya shillings which she used to take her son to high school with it. She uses Sarafu to plait her hair and also get vegetables from her neighbour.** - - -Jacinta Mutumi is a tailor based in Gatina. She joined sarafu 5 months ago and she is happy that Sarafu made her get more customers who want their clothes mended or want their children’s uniform repaired. She was able to save Kenya shillings which she used to take her son to high school with it. She uses Sarafu to plait her hair and also get vegetables from her neighbour. +**Jacinta Mutumi** is a tailor based in Gatina. She joined sarafu 5 months ago and she is happy that Sarafu made her get more customers who want their clothes mended or want their children’s uniform repaired. She was able to save Kenya shillings which she used to take her son to high school with it. She uses Sarafu to plait her hair and also get vegetables from her neighbour. @@ -123,32 +109,11 @@ Jacinta Mutumi is a tailor based in Gatina. She joined sarafu 5 months ago and s - **Elizabeth Achacha has a vegetables kiosk. Initially she was selling vegetables alone and she could sleep (go home) with some of the greens which are perishable. She joined Sarafu 2 years ago and has been able to utilize her excess capacity. None of her stock goes bad as before and she has also expanded her business - from selling vegetables alone to now selling tomatoes and onions alongside the vegetables.** - - -Elizabeth Achacha has a vegetables kiosk. Initially she was selling vegetables alone and she could sleep (go home) with some of the greens which are perishable. She joined Sarafu 2 years ago and has been able to utilize her excess capacity. None of her stock goes bad as before and she has also expanded her business - from selling vegetables alone to now selling tomatoes and onions alongside the vegetables. +**Elizabeth Achacha** has a vegetables kiosk. Initially she was selling vegetables alone and she could sleep (go home) with some of the greens which are perishable. She joined Sarafu 2 years ago and has been able to utilize her excess capacity. None of her stock goes bad as before and she has also expanded her business - from selling vegetables alone to now selling tomatoes and onions alongside the vegetables. - - - - - - - - - - - - - - - - - - - **3. OLYMPIC** +**3. OLYMPIC** .. image:: images/blog/women-powered197.webp @@ -181,10 +146,7 @@ Walter Omondi has a barber shop. He joined Sarafu 2 weeks ago. So far he has bee - **Mama Sharon also known as Hellen Achieng sells omena around Kamukunji area of Olympic, kibra. She also joined Sarafu 2 weeks ago. So far she has used sarafu to purchase chapati from Angelin Aluoch and her grandchild was able to get a haircut from Walter using Sarafu. She is excited about Sarafu. She sees it as an opportunity for her to grown her business and expands her market.** - - -Mama Sharon also known as Hellen Achieng sells omena around Kamukunji area of Olympic, kibra. She also joined Sarafu 2 weeks ago. So far she has used sarafu to purchase chapati from Angelin Aluoch and her grandchild was able to get a haircut from Walter using Sarafu. She is excited about Sarafu. She sees it as an opportunity for her to grown her business and expands her market. +**Mama Sharon** also known as Hellen Achieng sells omena around Kamukunji area of Olympic, kibra. She also joined Sarafu 2 weeks ago. So far she has used sarafu to purchase chapati from Angelin Aluoch and her grandchild was able to get a haircut from Walter using Sarafu. She is excited about Sarafu. She sees it as an opportunity for her to grown her business and expands her market. @@ -194,10 +156,8 @@ Mama Sharon also known as Hellen Achieng sells omena around Kamukunji area of Ol .. image:: images/blog/women-powered244.webp - **Angelin Aluoch joined Sarafu 2 weeks ago. She told me that she was able to save ksh 50 when she purchased omena for her family from mama Sharon. She has 2 children who got a haircut from Walter last week. The two children go to school using a boda boda who lucky enough joined Sarafu hence causing her to spend less of Kenya shillings and is able to get her basic needs.** - -Angelin Aluoch joined Sarafu 2 weeks ago. She told me that she was able to save ksh 50 when she purchased omena for her family from mama Sharon. She has 2 children who got a haircut from Walter last week. The two children go to school using a boda boda who lucky enough joined Sarafu hence causing her to spend less of Kenya shillings and is able to get her basic needs. +**Angelin Aluoch** joined Sarafu 2 weeks ago. She told me that she was able to save ksh 50 when she purchased omena for her family from mama Sharon. She has 2 children who got a haircut from Walter last week. The two children go to school using a boda boda who lucky enough joined Sarafu hence causing her to spend less of Kenya shillings and is able to get her basic needs. @@ -207,10 +167,9 @@ Angelin Aluoch joined Sarafu 2 weeks ago. She told me that she was able to save .. image:: images/blog/women-powered262.webp - **Cornelius Odongo repairs and sells electronics. He joined 2 years ago and he got a haircut from Walter using Sarafu. Cornelius was able to fix Walter’s machine and he also brought his friend Isaac Abwao to be part of Sarafu. He currently takes lunch from Isaac’s hotel and has bought omena and chapati to feed his family. He is happy that he and his family is no longer sleeping hungry since he can still access basic needs without using the scarce Kenyan currency.** -Cornelius Odongo repairs and sells electronics. He joined 2 years ago and he got a haircut from Walter using Sarafu. Cornelius was able to fix Walter’s machine and he also brought his friend Isaac Abwao to be part of Sarafu. He currently takes lunch from Isaac’s hotel and has bought omena and chapati to feed his family. He is happy that he and his family is no longer sleeping hungry since he can still access basic needs without using the scarce Kenyan currency. +**Cornelius Odongo** repairs and sells electronics. He joined 2 years ago and he got a haircut from Walter using Sarafu. Cornelius was able to fix Walter’s machine and he also brought his friend Isaac Abwao to be part of Sarafu. He currently takes lunch from Isaac’s hotel and has bought omena and chapati to feed his family. He is happy that he and his family is no longer sleeping hungry since he can still access basic needs without using the scarce Kenyan currency. @@ -218,17 +177,10 @@ Cornelius Odongo repairs and sells electronics. He joined 2 years ago and he got - - - - - - - - **4. LINDI** +**4. LINDI** @@ -237,84 +189,28 @@ Cornelius Odongo repairs and sells electronics. He joined 2 years ago and he got .. image:: images/blog/women-powered296.webp - **Pastor Silvanous joined Sarafu 3 years ago. He is the main pastor of Hope Gospel Center. The congregation pays their tithes and offerings to him in form of Sarafu. He uses the same amount to go back to the congregation to purchase basic needs. He has also rented the church to a school and in return he receives rent in Sarafu. The pastor told us that his congregants are happy to use Sarafu in his church (as Tithing/Sadaka) and he accepts it since he will still go back to the congregants to get his basic needs. He says that Sarafu has united them and as a church they have now started a savings scheme due to Sarafu.** -Pastor Silvanous joined Sarafu 3 years ago. He is the main pastor of Hope Gospel Center. The congregation pays their tithes and offerings to him in form of Sarafu. He uses the same amount to go back to the congregation to purchase basic needs. He has also rented the church to a school and in return he receives rent in Sarafu. The pastor told us that his congregants are happy to use Sarafu in his church (as Tithing/Sadaka) and he accepts it since he will still go back to the congregants to get his basic needs. He says that Sarafu has united them and as a church they have now started a savings scheme due to Sarafu. +**Pastor Silvanous** joined Sarafu 3 years ago. He is the main pastor of Hope Gospel Center. The congregation pays their tithes and offerings to him in form of Sarafu. He uses the same amount to go back to the congregation to purchase basic needs. He has also rented the church to a school and in return he receives rent in Sarafu. The pastor told us that his congregants are happy to use Sarafu in his church (as Tithing/Sadaka) and he accepts it since he will still go back to the congregants to get his basic needs. He says that Sarafu has united them and as a church they have now started a savings scheme due to Sarafu. -Pastor Silvanous joined Sarafu 3 years ago. He is the main pastor of Hope Gospel Center. The congregation pays their tithes and offerings to him in form of Sarafu. He uses the same amount to go back to the congregation to purchase basic needs. He has also rented the church to a school and in return he receives rent in Sarafu. The pastor told us that his congregants are happy to use Sarafu in his church (as Tithing/Sadaka) and he accepts it since he will still go back to the congregants to get his basic needs. He says that Sarafu has united them and as a church they have now started a savings scheme due to Sarafu. - - - - -Pastor Silvanous joined Sarafu 3 years ago. He is the main pastor of Hope Gospel Center. The congregation pays their tithes and offerings to him in form of Sarafu. He uses the same amount to go back to the congregation to purchase basic needs. He has also rented the church to a school and in return he receives rent in Sarafu. The pastor told us that his congregants are happy to use Sarafu in his church (as Tithing/Sadaka) and he accepts it since he will still go back to the congregants to get his basic needs. He says that Sarafu has united them and as a church they have now started a savings scheme due to Sarafu. - - .. image:: images/blog/women-powered311.webp - **Madam Basilisa is the headteacher of Hope Academy which is based inside Hope Gospel church. The madam receives Sarafu from parents as fees and in return, she is able to pay part for the school rent using Sarafu. She is no longer having issues of arrears with the church as before. Parents (one on a motorcycle here) too are paying fees in Sarafu and she is happy that none of her children is unable to come to school due to lack of school fees.** -Madam Basilisa is the headteacher of Hope Academy which is based inside Hope Gospel church. The madam receives Sarafu from parents as fees and in return, she is able to pay part for the school rent using Sarafu. She is no longer having issues of arrears with the church as before. Parents (one on a motorcycle here) too are paying fees in Sarafu and she is happy that none of her children is unable to come to school due to lack of school fees. +**Madam Basilisa** is the headteacher of Hope Academy which is based inside Hope Gospel church. The madam receives Sarafu from parents as fees and in return, she is able to pay part for the school rent using Sarafu. She is no longer having issues of arrears with the church as before. Parents (one on a motorcycle here) too are paying fees in Sarafu and she is happy that none of her children is unable to come to school due to lack of school fees. - - - - - - - - - - - - - - - #WomensDay #cryptocurrency #Nairobi #SchoolFees #Education - -#WomensDay #cryptocurrency #Nairobi #SchoolFees #Education - - - -#WomensDay #cryptocurrency #Nairobi #SchoolFees #Education - - - -#WomensDay #cryptocurrency #Nairobi #SchoolFees #Education - - `#WomensDay `_ - -#WomensDay - - `#cryptocurrency `_ - -#cryptocurrency - - `#Nairobi `_ - -#Nairobi - - `#SchoolFees `_ - -#SchoolFees - - `#Education `_ - -#Education - diff --git a/content/blog/youth-employment.rst b/content/blog/youth-employment.rst index e495ff1..a84502c 100644 --- a/content/blog/youth-employment.rst +++ b/content/blog/youth-employment.rst @@ -1,6 +1,6 @@ :title: Youth Employment via Elderly/Vulnerable Support :author: Will Ruddick -:date: Jan 28 +:date: Jan 28 2021 :slug: youth-employment :summary: Using a basic income (Sarafu in Kenya) youth can support their elderly and vulnerable by giving them their Sarafu. Then those... @@ -8,27 +8,22 @@ -.. image:: images/blog/youth-employment18.webp +.. image:: images/blog/youth-employment1.webp -Using a basic income (Sarafu in Kenya) youth can support their elderly and vulnerable by giving them their Sarafu. Then those elderly/vulnerable in turn spend it with other youth run businesses, who could in turn give it to their elderly/vulnerable - who could, in turn, spend it on other youth run businesses and so on - Creating a virtuous circle of markets and employment for youth and support for the elderly. +Using a basic income (Sarafu in Kenya) youth can support their elderly and vulnerable by giving them their Sarafu. Then those elderly/vulnerable in turn spend it with other youth run businesses, who could in turn give it to their elderly/vulnerable - who could, in turn, spend it on other youth run businesses and so on - **Creating a virtuous circle of markets and employment for youth and support for the elderly.** - **Using a basic income (Sarafu in Kenya) youth can support their elderly and vulnerable by giving them their Sarafu. Then those elderly/vulnerable in turn spend it with other youth run businesses, who could in turn give it to their elderly/vulnerable - who could, in turn, spend it on other youth run businesses and so on - Creating a virtuous circle of markets and employment for youth and support for the elderly.** .. image:: images/blog/youth-employment33.webp -While new in Kenya, this type of system has been around in Japan since 1995 and is called Fureai kippu . This system was one of the inspirations for bringing the concept of community currency to Kenya over 10 years ago. While this has been piloted in small communities - for the idea to really catch on - elders, chiefs, youth run businesses and chamas all need to understand the virtuous circle created and keep supporting it. This support network is a commons - and it takes identification, communication, training and care. We're very excited about the Kenya Red Cross taking up the challenge to spread +While new in Kenya, this type of system has been around in Japan since 1995 and is called `Fureai kippu `_ . This system was one of the inspirations for bringing the concept of community currency to Kenya over 10 years ago. While this has been piloted in small communities - for the idea to really catch on - elders, chiefs, youth run businesses and chamas all need to understand the virtuous circle created and keep supporting it. This support network is a commons - and it takes identification, communication, training and care. We're very excited about the Kenya Red Cross taking up the challenge to spread -While new in Kenya, this type of system has been around in Japan since 1995 and is called Fureai kippu . This system was one of the inspirations for bringing the concept of community currency to Kenya over 10 years ago. While this has been piloted in small communities - for the idea to really catch on - elders, chiefs, youth run businesses and chamas all need to understand the virtuous circle created and keep supporting it. This support network is a commons - and it takes identification, communication, training and care. We're very excited about the Kenya Red Cross taking up the challenge to spread - - `Fureai kippu `_ - .. image:: images/blog/youth-employment57.webp diff --git a/content/images/blog/permaculture-school18.webp b/content/images/blog/permaculture-school1.webp similarity index 100% rename from content/images/blog/permaculture-school18.webp rename to content/images/blog/permaculture-school1.webp diff --git a/content/images/blog/post-election1.webp b/content/images/blog/post-election1.webp new file mode 100644 index 0000000..c6f0e8a Binary files /dev/null and b/content/images/blog/post-election1.webp differ diff --git a/content/images/blog/preliminary-research120.webp b/content/images/blog/preliminary-research1.webp similarity index 100% rename from content/images/blog/preliminary-research120.webp rename to content/images/blog/preliminary-research1.webp diff --git a/content/images/blog/progress-in18.webp b/content/images/blog/progress-in1.webp similarity index 100% rename from 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Archives for grassroots-pelican

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Sun 01 August 2021
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Taxation & Community Currencies
Fri 16 July 2021
GRE for ME
Tue 22 June 2021
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Faith Based Community Inclusion Currencies
Tue 04 May 2021
From Mustard Seeds to Food Forests: A Regenerative Journey
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Sun 25 April 2021
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Red Cross brings Community Currency to Kisauni
Thu 08 April 2021
Grassroots Economics has a New Director: Shaila Agha
Sun 28 March 2021
Kakuma Refugee Testimonial
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Sat 13 March 2021
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Recycling Debt (Kusaga Deni, Kubali Sarafu)
Sat 13 February 2021
Refugee Economics in Kakuma Kenya
Wed 10 February 2021
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Municipal Basic Income (MBI) via CIC
Sat 16 January 2021
Static vs Bonded Liquidity Pools for CICs
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Thu 14 January 2021
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Self-Funded Regenerative Agriculture Kwale Site January Visit
Thu 07 January 2021
Community Currencies and DEX Multitudes
Sat 02 January 2021
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Network Integrity is Priceless
Sun 25 October 2020
Food Forests and Syntropic Currencies
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Sun 27 September 2020
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Red Cross CIC Pilot Survey - Mukuru Kenya
Fri 07 August 2020
Sarafu Network Kenya Mid-Year CIC Update
Sat 01 August 2020
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Currency 123 (Back, Guarantee, Open)
Sat 18 April 2020
Demystifying Currency Creation and Backing
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Sat 18 April 2020
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Supporting Supply Chains in Crisis
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Thu 26 March 2020
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Supporting COVID-19 Community Health Volunteers
Wed 25 March 2020
Rural Villages Coping with COVID-19
Mon 23 March 2020
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Enabling Leverage
Wed 11 September 2019
Banking on the SILC Road
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Thu 29 August 2019
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The people behind the transactions: a peek into the data of Kenya's most active Community Curren
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Sat 10 August 2019
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Red Cross' Impact Continues Post Cash
Fri 12 July 2019
Looking Back at 40,000 Blockchain Transactions
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Thu 27 June 2019
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Refugee Inclusive Community Currencies (RICCs)
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Thu 20 June 2019
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When a woman saves the community wins
Sun 16 June 2019
Shrimp Fishing Builds an Economy
Tue 28 May 2019
Community Currencies: Cash Transfer 2.0
Wed 10 April 2019
100+ new Blockchain Wallets in One Day – Fighting Rural Food Insecurity
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Thu 07 March 2019
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Women Powered Currencies
Sun 10 February 2019
300 Bob - a money story
Mon 04 February 2019
Celebrating Bernard's Inspiration
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Tue 29 January 2019
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Why Robinson Crusoe Gives a Loan Interest-Free
Wed 23 January 2019
2614 Blockchain Transactions for Basic Needs
Fri 18 January 2019
Blockchain in Clinics, Vegetables, Cafes and Shops
Fri 21 December 2018
Use Cases - Honoring 2018
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Thu 13 December 2018
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Proof of Impact
Mon 03 December 2018
Blockchain without Internet
Fri 09 November 2018
Takaungu Pesa is here!
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Mon 05 November 2018
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UN Announcement of Liquid Community Currencies
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Fri 19 October 2018
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Social Entrepreneurship through Blockchain Technology
Wed 03 October 2018
Disrupting Currencies
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Wed 08 August 2018
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Trading the First Tomatoes on the Blockchain
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Mon 25 June 2018
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White House Visit with WomensConnect
Fri 25 May 2018
Interactive Village Market Simulator!
Thu 10 May 2018
diff --git a/output/author/antony-ngoka.html b/output/author/antony-ngoka.html index e59d443..45c2127 100644 --- a/output/author/antony-ngoka.html +++ b/output/author/antony-ngoka.html @@ -76,6 +76,31 @@

Articles by Antony Ngoka

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    Articles by Caroline Dama

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      Red Cross' Impact Continues Post Cash

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      "Community Currencies have enabled food insecure communities to sustainably feed themselves post Red Cross support" - Mwanamuna Sw

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      Takaungu Pesa is here!

      The Vindakala Youth Bunge’s motto “Coming Together is Just The Beginning.” mirrors this excitement we have after the launch of Takaungu...

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    White House Visit with WomensConnect

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    Grassroots Economics Director, Caroline Dama, visited the White House on Wednesday as a finalist in the WomensConnect USAID program Our...

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    Articles by Isavary Khabuqwi

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    Articles by Will Ruddick

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      Bangla-Pesa Relaunch

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      Bangla-Pesa was officially relaunched today in partnership with the Kenyan Government. Represented by Hon. Badi Twalib Minister of...

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      Bangla-Pesa Anticipating November

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      On May 29th 2013 we were arrested and charged with forgery. On August 23rd 2013 the case against Bangla-Pesa was dropped. A month after...

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      Bangla-Pesa Charges Dropped!

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      THE CASE IS OVER! Today the Director of Public Prosecutions announced that all charges against Bangla-Pesa are hereby dropped! This is a...

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      Bangla-Pesa Turmoil

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      The Bangla-Pesa, a complementary currency created and backed by a local business network, offers a glimpse of true sustainable...

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      Bangla-Pesa Launch

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      Today's launch of Bangla-Pesa was a great start to an empowering community process! 137 local business owners attended. Of the 137 local...

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      Bangla Committee Meeting

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      Koru Kenya is working to capacity build the the Bangladesh Business Network (BBN) to create it's own complementary currency. The...

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      BBN Meeting

      After two small business meetings and several focus group sessions, the Bangla Business Network (BBN) had it's first large group meeting...

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      Kenya's Food Exports vs Food Aids

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      Motomoto Performing Arts

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    Articles by Will Ruddick

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    Red Cross CIC Pilot Survey - Mukuru Kenya

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    Staggering Impact: 169,270,038 Sarafu traded between 39,217 users in 267,479 transactions on a blockchain during stagnate markets.

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    CIC Training from Response to Recovery

    The end effect is that communities have a way to create their own credit systems for supporting themselves responsibly with both social and

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    Currency 123 (Back, Guarantee, Open)

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    A Community Inclusion Currency (CIC) is way to transparently establish a credit system to enable local markets to thrive and link...

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    The reserve behind these tokens, the actual aid funding, was about $2.5k USD).This means that $2,500 USD of Aid funds created 10,000 tokens

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      Economies into Ecosystems

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      The reserve behind these tokens, the actual aid funding, was about $2.5k USD).This means that $2,500 USD of Aid funds created 10,000 tokens

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      Banking on the SILC Road

      Rarely in development work do you see an intervention that sprouts its own two legs and starts running across the country without donor fund

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    Refugee Inclusive Community Currencies (RICCs)

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    Responding to Refugee Crisis This is the current and biggest humanitarian global crisis in our lifetimes and we all need to play a part....

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    300 Bob - a money story

    This is a story I often tell to being to discuss what money is and what it could be. It is derived from a German tale. One day a Mama...

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    Celebrating Bernard's Inspiration

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    Bernard’s vision of diverse monetary eco-systems that support communities and the environment rather than extract from them, as they...

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    The 5th installment of the Village Market Simulator series is now online! You can find it on YouTube or in the 'Simulations' section of...

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    Sarafu Cooperative is born!

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    We are very happy to announce that today, for the first time in our organizational history, the community currency members of the Nairobi...

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    Rural Community Currencies for Food Security

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    The Miyani area in Kenya has been identified by Red Cross and the World Food Program as food insecure for over 5 years. Red Cross along...

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    Articles by Will Ruddick

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      By + Will Ruddick
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      Celebrating Bernard's Inspiration

      +

      Bernard’s vision of diverse monetary eco-systems that support communities and the environment rather than extract from them, as they...

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      By + Will Ruddick
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      Proof of Impact

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      Blockchain based Proof of Impact for Community Currencies

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      By + Will Ruddick
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      Interactive Village Market Simulator!

      +

      The 5th installment of the Village Market Simulator series is now online! You can find it on YouTube or in the 'Simulations' section of...

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      By + Will Ruddick
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      Sarafu Cooperative is born!

      +

      We are very happy to announce that today, for the first time in our organizational history, the community currency members of the Nairobi...

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    • @@ -119,206 +321,6 @@

      Community Currency Design Course Opening

      Grassroots Economics has opened up its archives of design and implementation to students world wide through a hands-on, practical course...

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    Berkshares and Bangla-Pesa

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    The Schumacher Center for a New Economics has supported us with inspiration and advice since we began with Eco-Pesa in 2010. Before...

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    New Bills for a New Economy

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    We attended a meeting on DOEN's New Economy program, where our newest version of community currency bills were unveiled in Amsterdam. The...

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    Queen of Katwe

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    If there is one movie this year that captures the life we see here in East Africa each day it is the Queen of Katwe. There is so much...

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    Liquidity Risk in Community Currency

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    We're very happy to start the year with a visit from our Director of Risk Management Jimmy Heyns from Belgium with over 18 years of...

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    Here We Are - Kenya 2016

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    Happy holidays! We're seeing the power of community currencies in developing thriving communities and prospering economies. This year has...

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    715 Members and Growing Fast

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    Sarafu-Credit users in five locations around Kenya have increased by over 83% since January 1st. Our Super Markets and Credit Clearing...

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    diff --git a/output/author/will-ruddick6.html b/output/author/will-ruddick6.html index 7eda498..1e43e94 100644 --- a/output/author/will-ruddick6.html +++ b/output/author/will-ruddick6.html @@ -76,6 +76,206 @@

    Articles by Will Ruddick

      +
    • +
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      + +
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      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Berkshares and Bangla-Pesa

      +

      The Schumacher Center for a New Economics has supported us with inspiration and advice since we began with Eco-Pesa in 2010. Before...

      +
      +
      +
      +
      +
      +
      +
      • +
      • +
    • +
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      +
      +
      By + Will Ruddick
      + +
      +
      +

      New Bills for a New Economy

      +

      We attended a meeting on DOEN's New Economy program, where our newest version of community currency bills were unveiled in Amsterdam. The...

      +
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      +
      +
      +
      +
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      • +
    • +
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      + +
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      +
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      By + Will Ruddick
      + +
      +
      +

      Queen of Katwe

      +

      If there is one movie this year that captures the life we see here in East Africa each day it is the Queen of Katwe. There is so much...

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Liquidity Risk in Community Currency

      +

      We're very happy to start the year with a visit from our Director of Risk Management Jimmy Heyns from Belgium with over 18 years of...

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
      +
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      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Here We Are - Kenya 2016

      +

      Happy holidays! We're seeing the power of community currencies in developing thriving communities and prospering economies. This year has...

      +
      +
      +
      +
      +
      +
      +
      • +
      • +
    • +
      +
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      + +
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      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      715 Members and Growing Fast

      +

      Sarafu-Credit users in five locations around Kenya have increased by over 83% since January 1st. Our Super Markets and Credit Clearing...

      +
      +
      +
      +
      +
      +
      +
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    By - Will Ruddick
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    Retreat and Renewal

    -

    September marked the first official renewal event for Bangla-Pesa after more than 2+ years in circulation (Starting in May 2013). The...

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    1st Community Currency Market and More

    -

    September 12th Community Currency groups in Mombasa and Nairobi both held simultaneous events. One was a community market and games day...

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    Lindi and Ng'ombeni Pesa Launched

    -

    The 4th and 5th Kenyan Community Currencies were launched last week within a span of 7 days. We now have our 3rd Nairobi Currency in...

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    African Community Currencies Update

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    Kenyan Community Currencies Nairobi Gatina-Pesa – The Gatina Business Network's members have been saving their Kenyan Shilings together...

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    By - Will Ruddick
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    Municipal Bonds and Community Currency

    -

    A Concept Paper based on observations during the FMDV inspired conference: Conference Resolutions Africa / Marrakesh 2014: Financing...

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    Berg Rand Launches in South Africa

    -

    The Berg Rand or BRAND - which means 'Fire' Money in Afrikaans, had an amazing launch today! The FlowAfrica team lead by John Ziniades...

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    Progress in South Africa

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    One of our partner programs in South Africa was recently featured on the news. "An exciting new era may be dawning for the Kokstad...

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    News from Brazil

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    Every now and then we get news of great things happening in Brazil. Here is a wonderful blog that details some things happening there....

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    Articles by Will Ruddick

      +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Retreat and Renewal

      +

      September marked the first official renewal event for Bangla-Pesa after more than 2+ years in circulation (Starting in May 2013). The...

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      1st Community Currency Market and More

      +

      September 12th Community Currency groups in Mombasa and Nairobi both held simultaneous events. One was a community market and games day...

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Lindi and Ng'ombeni Pesa Launched

      +

      The 4th and 5th Kenyan Community Currencies were launched last week within a span of 7 days. We now have our 3rd Nairobi Currency in...

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      African Community Currencies Update

      +

      Kenyan Community Currencies Nairobi Gatina-Pesa – The Gatina Business Network's members have been saving their Kenyan Shilings together...

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Municipal Bonds and Community Currency

      +

      A Concept Paper based on observations during the FMDV inspired conference: Conference Resolutions Africa / Marrakesh 2014: Financing...

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Berg Rand Launches in South Africa

      +

      The Berg Rand or BRAND - which means 'Fire' Money in Afrikaans, had an amazing launch today! The FlowAfrica team lead by John Ziniades...

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Progress in South Africa

      +

      One of our partner programs in South Africa was recently featured on the news. "An exciting new era may be dawning for the Kokstad...

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      News from Brazil

      +

      Every now and then we get news of great things happening in Brazil. Here is a wonderful blog that details some things happening there....

      +
      +
      +
      +
      +
      +
      +
    • @@ -119,206 +319,6 @@

      Kangemi-Pesa Launched

      Overcoming many obstacles in a shaken Kenya, we had an amazing launch today of the third community currency in Kenya! Kangemi-Pesa is...

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    Looking Towards 2015

    -

    2014 has been an intense year developing the structures to allow community currency programs to one day become accessible across Africa....

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    Gatina & Bangla Pesa Nov Updates

    -

    After more than a year of trading Bangla-Pesa, with millions of shillings worth of bills changing hands, the program is running strong....

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    By - Will Ruddick
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    Gatina-Pesa Starting Circulation

    -

    Nairobi's first community currency Gatina-Pesa, following Bangla-Pesa's success has started circulation with vigor. Due to its dense...

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    Gatina-Pesa Launched

    -

    With an amazing march through the slum, starting from Congo and ending at Gatina Primary School the entire community has been mobilized...

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    By - Will Ruddick
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    Gatina-Pesa Launch Prep

    -

    The Gatina Business Organization is busy preparing for the community currency's official launch on October 11th. Children from the...

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    By - Will Ruddick
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    Gatina-Pesa and South Africa

    -

    Gatina-Pesa in Nairobi (a sister currency to Bangla-Pesa) is set to launch in early October! Initial designs of the Gatina-Pesa have been...

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    diff --git a/output/author/will-ruddick8.html b/output/author/will-ruddick8.html index eee589f..649d2c3 100644 --- a/output/author/will-ruddick8.html +++ b/output/author/will-ruddick8.html @@ -76,6 +76,206 @@

    Articles by Will Ruddick

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      • +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Looking Towards 2015

      +

      2014 has been an intense year developing the structures to allow community currency programs to one day become accessible across Africa....

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Gatina & Bangla Pesa Nov Updates

      +

      After more than a year of trading Bangla-Pesa, with millions of shillings worth of bills changing hands, the program is running strong....

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Gatina-Pesa Starting Circulation

      +

      Nairobi's first community currency Gatina-Pesa, following Bangla-Pesa's success has started circulation with vigor. Due to its dense...

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Gatina-Pesa Launched

      +

      With an amazing march through the slum, starting from Congo and ending at Gatina Primary School the entire community has been mobilized...

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Gatina-Pesa Launch Prep

      +

      The Gatina Business Organization is busy preparing for the community currency's official launch on October 11th. Children from the...

      +
      +
      +
      +
      +
      +
      +
      • +
      • +
    • +
      +
      +
      + +
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      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Gatina-Pesa and South Africa

      +

      Gatina-Pesa in Nairobi (a sister currency to Bangla-Pesa) is set to launch in early October! Initial designs of the Gatina-Pesa have been...

      +
      +
      +
      +
      +
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    • @@ -119,206 +319,6 @@

      School Fees with Bangla-Pesa

      July has seen the Bangla-Pesa program surpass 200 accepting businesses and the introduction of three primary schools into the...

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    A New Kind of Cash

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    “Cash is the enemy of the poor,” wrote Rodger Voorhies, director of the Bill & Melinda Gates Foundation’s program aimed at improving...

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    Bangla-Pesa Waste, Volleyball and Nairobi

    -

    Community Waste Collection This weekend the Bangladesh Business Network, the more than 180 people who trade their goods and services with...

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    Registration and Exchange Visits

    -

    Registration Last week the Bangladesh Business Network was 'finally' given it's official registration papers with the Kenyan Government...

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    Help Support Community Currencies

    -

    Dear Friends and Colleagues, We are happy to announce that we have won a precedent-setting court victory which legitimates community...

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    Bangla-Pesa - Can we do it again?

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    After winning court battles, relaunching the program, hearing heart breaking stories and finding amazing results the local government...

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    Elections, Service, Mapping and Nairobi

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    New Board and Community Service Contributions On April 19th the Bangladesh Business Network had their first official board elections and...

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    Margrit Kennedy - Thank You

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    One of our largest supporters and inspirations has passed on. Our whole team and the community of Bangladesh, Kenya wish to offer...

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    Articles by Will Ruddick

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      A New Kind of Cash

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      “Cash is the enemy of the poor,” wrote Rodger Voorhies, director of the Bill & Melinda Gates Foundation’s program aimed at improving...

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      Bangla-Pesa Waste, Volleyball and Nairobi

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      Community Waste Collection This weekend the Bangladesh Business Network, the more than 180 people who trade their goods and services with...

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      Registration and Exchange Visits

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      Registration Last week the Bangladesh Business Network was 'finally' given it's official registration papers with the Kenyan Government...

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      Help Support Community Currencies

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      Dear Friends and Colleagues, We are happy to announce that we have won a precedent-setting court victory which legitimates community...

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      Bangla-Pesa - Can we do it again?

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      After winning court battles, relaunching the program, hearing heart breaking stories and finding amazing results the local government...

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      Elections, Service, Mapping and Nairobi

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      New Board and Community Service Contributions On April 19th the Bangladesh Business Network had their first official board elections and...

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      Margrit Kennedy - Thank You

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      One of our largest supporters and inspirations has passed on. Our whole team and the community of Bangladesh, Kenya wish to offer...

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      Bangla-Pesa Reloaded

      We've been waiting since May 29th 2013 for this and it is finally here. Bangla-Pesa is back moving through the community. We've...

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    Bangla-Pesa Relaunch

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    Bangla-Pesa was officially relaunched today in partnership with the Kenyan Government. Represented by Hon. Badi Twalib Minister of...

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    Bangla-Pesa Anticipating November

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    On May 29th 2013 we were arrested and charged with forgery. On August 23rd 2013 the case against Bangla-Pesa was dropped. A month after...

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    Bangla-Pesa Charges Dropped!

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    THE CASE IS OVER! Today the Director of Public Prosecutions announced that all charges against Bangla-Pesa are hereby dropped! This is a...

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    Bangla-Pesa Turmoil

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    The Bangla-Pesa, a complementary currency created and backed by a local business network, offers a glimpse of true sustainable...

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    Bangla-Pesa Launch

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    Today's launch of Bangla-Pesa was a great start to an empowering community process! 137 local business owners attended. Of the 137 local...

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    Bangla Committee Meeting

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    Koru Kenya is working to capacity build the the Bangladesh Business Network (BBN) to create it's own complementary currency. The...

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    Authors on grassroots-pelican

    diff --git a/output/categories.html b/output/categories.html index 62b1f66..c3b77e2 100644 --- a/output/categories.html +++ b/output/categories.html @@ -70,7 +70,7 @@

    Categories on grassroots-pelican

    diff --git a/output/category/blog.html b/output/category/blog.html index 6cfe898..2b8fe61 100644 --- a/output/category/blog.html +++ b/output/category/blog.html @@ -76,6 +76,31 @@
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    Refugee Economics in Kakuma Kenya

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    Short description of FHE community based organization. dear sir/madam Greetings, I'm MARCELIN MUNGA PETRO a Congolese by nationality...

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- Page 1 / 16 + Page 1 / 18 » - ⇉ + ⇉

diff --git a/output/category/blog10.html b/output/category/blog10.html index c1b3ada..1bb856b 100644 --- a/output/category/blog10.html +++ b/output/category/blog10.html @@ -80,32 +80,7 @@
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Super-Market Super-Currency

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Hundreds and hundreds of settlers in Nairobi's Kawangware informal settlement will soon benefit from access to low priced goods...

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    By Will Ruddick
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    Sarafu-Credit Takes Shape

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    We began the year by looking at our successes and challenges with five Kenyan community currencies in 2015. Out of this came the...

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    Berkshares and Bangla-Pesa

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    The Schumacher Center for a New Economics has supported us with inspiration and advice since we began with Eco-Pesa in 2010. Before...

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    By + Daniel Mukosia
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    Skylife School and Community Currency

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    Grassroots Economics works with communities across Kenya to develop systems that allow parents to pay for their children's education...

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    By + Daniel Mukosia
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    Nairobi Coordinator Inspiration

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    For the first three months I started working as a volunteer. I am able to get in touch with different business individuals in all the...

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    By + Steve Okuku
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    Biz Dev - Inspired

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    Business development using community currency Being a business development coordinator whose main objective is to see communities’ assets...

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    By Will Ruddick
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    Kwaheri 2015 - Community Service and Results

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    Five Community Currency (CC) trading business networks in Kenya have started their end of the year activities, using collected membership...

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    Universal Basic Income via Community Currencies

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    Universal Basic Income (UBI), as currently under trial in Kenya by GiveDirectly, gives regular donations to individuals in selected...

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    By Lydia Anyango
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    Bangla-Pesa Market, Shoes and Permaculture

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    Finally! The Bangladesh Business Network Market Day was a big success. Bangla-Pesa members gathered together to sell their goods and...

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    Rural Miyani-Pesa Launched

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    Today we launched our first rural community currency! The event went well to initiate and train the first 20 members and set up a local...

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    By - Caroline Dama
    - + Thibaud Dezyn
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    Permaculture School Farm Via Bangla-Pesa

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    Two neighboring schools St. Peter's & Paul's and St. Angeline are being trained and equipped to design, build and maintain a community...

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    Preliminary Research Results 2017

    +

    Grassroots Economics currently facilitates Community Currency programs for 1140 businesses across 5 communities which report both social...

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    By Lydia Anyango
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    Mikindani Community Currency Market Day

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    The Kwa Ng'ombe Business Network held their 1st Market day on the 24th October 2015. Members came to sell and trade their goods at the...

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    Foundational Member Passes

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    It is sad to announce the sudden death of Dominic Okello (in the middle) who passed on early May 2017. He is a resident of Bangladesh...

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    Nairobi's 1st Community Currency Anniversary

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    Gatina-Pesa is the first group of 3 Community Currencies in Nairobi to Celebrate their 1st Anniversary on October 10th. With now over 120...

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    By Will Ruddick
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    Retreat and Renewal

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    September marked the first official renewal event for Bangla-Pesa after more than 2+ years in circulation (Starting in May 2013). The...

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    New Bills for a New Economy

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    We attended a meeting on DOEN's New Economy program, where our newest version of community currency bills were unveiled in Amsterdam. The...

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    By - Will Ruddick
    - + Daniel Mukosia
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    1st Community Currency Market and More

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    September 12th Community Currency groups in Mombasa and Nairobi both held simultaneous events. One was a community market and games day...

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    Smep Oiko-Credit Loans in Kangemi

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    SMEP a local OIKO-Credit partner is offering Loans and Training to Community Currency users in Kangemi and Kawangware. They have started...

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    Detergent Accelerator

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    Julius Nyelele has been a member of Lindi Business Network for more than one year. He is a roadside seller of washing detergents and body...

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    diff --git a/output/category/blog11.html b/output/category/blog11.html index af0668e..84eb24c 100644 --- a/output/category/blog11.html +++ b/output/category/blog11.html @@ -80,7 +80,7 @@
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    By - Will Ruddick
    - + Lydia Anyango
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    Lindi and Ng'ombeni Pesa Launched

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    The 4th and 5th Kenyan Community Currencies were launched last week within a span of 7 days. We now have our 3rd Nairobi Currency in...

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    Not Your Typical Vegetable Kiosk

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    This is Julius Odhiambo. He owns a vegetable kibanda and has been using Community Currency called Bangla-Pesa, which is part of the...

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    By Will Ruddick
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    African Community Currencies Update

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    Kenyan Community Currencies Nairobi Gatina-Pesa – The Gatina Business Network's members have been saving their Kenyan Shilings together...

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    Queen of Katwe

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    If there is one movie this year that captures the life we see here in East Africa each day it is the Queen of Katwe. There is so much...

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    Liquidity Risk in Community Currency

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    We're very happy to start the year with a visit from our Director of Risk Management Jimmy Heyns from Belgium with over 18 years of...

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    Here We Are - Kenya 2016

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    Happy holidays! We're seeing the power of community currencies in developing thriving communities and prospering economies. This year has...

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    By Ruth Mwangi
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    5 Kenyan Community Currencies Meet

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    Saturday, 27th June will remain a day to remember for various Business Networks in Kenya. A total of five Business Networks united by a...

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    Education and Business Cycles

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    A lot has been said about the education system in Kenya. The introduction of free primary education in 2003 was received with mixed...

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    By Will Ruddick
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    Municipal Bonds and Community Currency

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    A Concept Paper based on observations during the FMDV inspired conference: Conference Resolutions Africa / Marrakesh 2014: Financing...

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    Accolades for Kenyan Community Currencies

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    Community Currencies in Kenya have gotten a lot of lime light this month! Ruth Mwangi our Program Director has been honored to visit the...

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    Kibera's Lindi-Pesa Gaining Momentum

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    June 6th 2015 was bound to be a typical morning in Kibera - but Saturday morning, the inhabitants of Kibera, the biggest slum of Nairobi,...

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    Update from Kangemi-Pesa Nairobi

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    It has been only 2 months since the members of Kangemi Business Network launched their community currency and received their 400...

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    Berg Rand Launches in South Africa

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    The Berg Rand or BRAND - which means 'Fire' Money in Afrikaans, had an amazing launch today! The FlowAfrica team lead by John Ziniades...

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    715 Members and Growing Fast

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    Sarafu-Credit users in five locations around Kenya have increased by over 83% since January 1st. Our Super Markets and Credit Clearing...

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    By - Robin Gerbaux
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    Francis the Millionaire

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    Since several generations the family of Francis has been living in the same neighborhood of Nairobi, Gatina (Part of Kwangware). Gatina,...

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    Mangroves and the Eco-nomy

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    We've been working to replace the need for Mombasa's Bangladesh residents to import food and conserve their environment. Two schools near...

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    By + Ruth Mwangi
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    Super-Market Super-Currency

    +

    Hundreds and hundreds of settlers in Nairobi's Kawangware informal settlement will soon benefit from access to low priced goods...

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    By Will Ruddick
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    Progress in South Africa

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    One of our partner programs in South Africa was recently featured on the news. "An exciting new era may be dawning for the Kokstad...

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    News from Brazil

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    Every now and then we get news of great things happening in Brazil. Here is a wonderful blog that details some things happening there....

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    Sarafu-Credit Takes Shape

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    We began the year by looking at our successes and challenges with five Kenyan community currencies in 2015. Out of this came the...

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    diff --git a/output/category/blog12.html b/output/category/blog12.html index c4cd01d..e14593d 100644 --- a/output/category/blog12.html +++ b/output/category/blog12.html @@ -80,7 +80,7 @@
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    By - Robin Gerbaux
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    New Business in Kawangware

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    Since its implementation, 8 months ago, Gatina-Pesa in Nairobi's Kawangware slum has had various benefits to its members. Some of them...

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    Kwaheri 2015 - Community Service and Results

    +

    Five Community Currency (CC) trading business networks in Kenya have started their end of the year activities, using collected membership...

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    By - Will Ruddick
    - + Lydia Anyango
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    Ng'ombeni-Pesa Artwork

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    The Ng'ombeni-Pesa Community Based Organization has been formed. They are a neighboring slum to Bangladesh in Mombasa County and live in...

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    Bangla-Pesa Market, Shoes and Permaculture

    +

    Finally! The Bangladesh Business Network Market Day was a big success. Bangla-Pesa members gathered together to sell their goods and...

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    By - Will Ruddick
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    Kangemi-Pesa Launched

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    Overcoming many obstacles in a shaken Kenya, we had an amazing launch today of the third community currency in Kenya! Kangemi-Pesa is...

    +

    Permaculture School Farm Via Bangla-Pesa

    +

    Two neighboring schools St. Peter's & Paul's and St. Angeline are being trained and equipped to design, build and maintain a community...

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    By - Will Ruddick
    - + Lydia Anyango
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    Kangemi-Pesa Launch Prep and More Currency News

    -

    Kangemi-Pesa is launching on April 4th 2015! After six months of preparation the Kangemi Businessness Network has reached over 100...

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    Mikindani Community Currency Market Day

    +

    The Kwa Ng'ombe Business Network held their 1st Market day on the 24th October 2015. Members came to sell and trade their goods at the...

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    By - Will Ruddick
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    Looking Towards 2015

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    2014 has been an intense year developing the structures to allow community currency programs to one day become accessible across Africa....

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    Nairobi's 1st Community Currency Anniversary

    +

    Gatina-Pesa is the first group of 3 Community Currencies in Nairobi to Celebrate their 1st Anniversary on October 10th. With now over 120...

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    By Will Ruddick
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    Gatina & Bangla Pesa Nov Updates

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    After more than a year of trading Bangla-Pesa, with millions of shillings worth of bills changing hands, the program is running strong....

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    Retreat and Renewal

    +

    September marked the first official renewal event for Bangla-Pesa after more than 2+ years in circulation (Starting in May 2013). The...

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    By Will Ruddick
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    Gatina-Pesa Starting Circulation

    -

    Nairobi's first community currency Gatina-Pesa, following Bangla-Pesa's success has started circulation with vigor. Due to its dense...

    +

    1st Community Currency Market and More

    +

    September 12th Community Currency groups in Mombasa and Nairobi both held simultaneous events. One was a community market and games day...

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    - +
    @@ -263,12 +263,12 @@
    By - Will Ruddick
    - + Ruth Mwangi
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    Gatina-Pesa Launched

    -

    With an amazing march through the slum, starting from Congo and ending at Gatina Primary School the entire community has been mobilized...

    +

    Smep Oiko-Credit Loans in Kangemi

    +

    SMEP a local OIKO-Credit partner is offering Loans and Training to Community Currency users in Kangemi and Kawangware. They have started...

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    - +
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    By Will Ruddick
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    Gatina-Pesa Launch Prep

    -

    The Gatina Business Organization is busy preparing for the community currency's official launch on October 11th. Children from the...

    +

    Lindi and Ng'ombeni Pesa Launched

    +

    The 4th and 5th Kenyan Community Currencies were launched last week within a span of 7 days. We now have our 3rd Nairobi Currency in...

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    By Will Ruddick
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    Hon. Paul Simba Arati MP Dagoretti - North

    -

    Nairobi's Dagoretti North MP. Hon. Paul Simba Arati will be attending the launch of Gatina-Pesa in October. Besides support from local...

    +

    African Community Currencies Update

    +

    Kenyan Community Currencies Nairobi Gatina-Pesa – The Gatina Business Network's members have been saving their Kenyan Shilings together...

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    By + Ruth Mwangi
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    5 Kenyan Community Currencies Meet

    +

    Saturday, 27th June will remain a day to remember for various Business Networks in Kenya. A total of five Business Networks united by a...

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    By Will Ruddick
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    Gatina-Pesa and South Africa

    -

    Gatina-Pesa in Nairobi (a sister currency to Bangla-Pesa) is set to launch in early October! Initial designs of the Gatina-Pesa have been...

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    Municipal Bonds and Community Currency

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    A Concept Paper based on observations during the FMDV inspired conference: Conference Resolutions Africa / Marrakesh 2014: Financing...

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    By - Muthoni Kiguru
    - + Robin Gerbaux
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    University of Nairobi Research Visit

    -

    “…I no longer sleep hungry. Even without the Kenyan money, I still have Bangla Pesa. I will survive one more day. This money never ends…”...

    +

    Kibera's Lindi-Pesa Gaining Momentum

    +

    June 6th 2015 was bound to be a typical morning in Kibera - but Saturday morning, the inhabitants of Kibera, the biggest slum of Nairobi,...

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    By - Francis Wanjala
    - + Robin Gerbaux
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    Wanjala Visits Bangladesh

    -

    Francis Wanjala is the headmaster at Sifa Childrens Home in Nairobi. After making his first trip to Mombasa he shared with us his...

    +

    Update from Kangemi-Pesa Nairobi

    +

    It has been only 2 months since the members of Kangemi Business Network launched their community currency and received their 400...

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    - +
    @@ -164,11 +189,11 @@
    By Will Ruddick
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    Nairobi Bangla-Pesa Making Strides

    -

    Two settlements in Nairobi are racing to create their own Bangla-Pesa exchange networks. Kawangware and Kangemi groups are already near...

    +

    Berg Rand Launches in South Africa

    +

    The Berg Rand or BRAND - which means 'Fire' Money in Afrikaans, had an amazing launch today! The FlowAfrica team lead by John Ziniades...

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    - + +
    +
    + +
    +
    +
    +
    By + Robin Gerbaux
    + +
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    Francis the Millionaire

    +

    Since several generations the family of Francis has been living in the same neighborhood of Nairobi, Gatina (Part of Kwangware). Gatina,...

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    @@ -189,11 +239,11 @@
    By Will Ruddick
    - +
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    School Fees with Bangla-Pesa

    -

    July has seen the Bangla-Pesa program surpass 200 accepting businesses and the introduction of three primary schools into the...

    +

    Progress in South Africa

    +

    One of our partner programs in South Africa was recently featured on the news. "An exciting new era may be dawning for the Kokstad...

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    By - Morgan Richards
    - -
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    Panty Distribution Success

    -

    In May, we told you about an incredible synergy of Star Wars (http://www.501st.com/), Roller Derby (http://www.okcbankedtrackrollerderby....

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    By Will Ruddick
    - +
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    A New Kind of Cash

    -

    “Cash is the enemy of the poor,” wrote Rodger Voorhies, director of the Bill & Melinda Gates Foundation’s program aimed at improving...

    +

    News from Brazil

    +

    Every now and then we get news of great things happening in Brazil. Here is a wonderful blog that details some things happening there....

    @@ -255,7 +280,32 @@
    - + +
    +
    + +
    +
    +
    +
    By + Robin Gerbaux
    + +
    +
    +

    New Business in Kawangware

    +

    Since its implementation, 8 months ago, Gatina-Pesa in Nairobi's Kawangware slum has had various benefits to its members. Some of them...

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    @@ -264,61 +314,11 @@
    By Will Ruddick
    - +
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    Bangla-Pesa Waste, Volleyball and Nairobi

    -

    Community Waste Collection This weekend the Bangladesh Business Network, the more than 180 people who trade their goods and services with...

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    - - -
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    - -
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    Growing Up is Hard

    -

    Growing up is hard. It’s especially hard if you’re living on the streets in Mombasa, or if your misbehavior in your community led to your...

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    - -
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    Roller Derby + Star Wars = Panties

    -

    Last Sunday marked the culmination of partnerships with an unexpected collection of people who came together to support the education and...

    +

    Ng'ombeni-Pesa Artwork

    +

    The Ng'ombeni-Pesa Community Based Organization has been formed. They are a neighboring slum to Bangladesh in Mombasa County and live in...

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    ⇇ « - Page 13 / 16 + Page 13 / 18 » - ⇉ + ⇉

    diff --git a/output/category/blog14.html b/output/category/blog14.html index 623a235..6883031 100644 --- a/output/category/blog14.html +++ b/output/category/blog14.html @@ -80,7 +80,7 @@
    - +
    @@ -89,11 +89,11 @@
    By Will Ruddick
    - +
    -

    Registration and Exchange Visits

    -

    Registration Last week the Bangladesh Business Network was 'finally' given it's official registration papers with the Kenyan Government...

    +

    Kangemi-Pesa Launched

    +

    Overcoming many obstacles in a shaken Kenya, we had an amazing launch today of the third community currency in Kenya! Kangemi-Pesa is...

    @@ -105,7 +105,7 @@
    - +
    @@ -114,11 +114,11 @@
    By Will Ruddick
    - +
    -

    Help Support Community Currencies

    -

    Dear Friends and Colleagues, We are happy to announce that we have won a precedent-setting court victory which legitimates community...

    +

    Kangemi-Pesa Launch Prep and More Currency News

    +

    Kangemi-Pesa is launching on April 4th 2015! After six months of preparation the Kangemi Businessness Network has reached over 100...

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    -
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    By - Morgan Richards
    - -
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    Respect on the streets

    -

    Friday, April 11th, Koru-Kenya hosted a dialogue on street harassment. The original event was intended to be a rally, held on the 4th in...

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    • -
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    -
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    - +
    @@ -164,11 +139,11 @@
    By Will Ruddick
    - +
    -

    Bangla-Pesa - Can we do it again?

    -

    After winning court battles, relaunching the program, hearing heart breaking stories and finding amazing results the local government...

    +

    Looking Towards 2015

    +

    2014 has been an intense year developing the structures to allow community currency programs to one day become accessible across Africa....

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    - +
    @@ -189,11 +164,11 @@
    By Will Ruddick
    - +
    -

    Elections, Service, Mapping and Nairobi

    -

    New Board and Community Service Contributions On April 19th the Bangladesh Business Network had their first official board elections and...

    +

    Gatina & Bangla Pesa Nov Updates

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    After more than a year of trading Bangla-Pesa, with millions of shillings worth of bills changing hands, the program is running strong....

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    Borstal Boys: Poi and Life Skills Behind Bars

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    The MotoMoto Program is helping make a difference at the Shimo La Tewa Borstal Institution which houses 313 boys from all over Kenya....

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    By Will Ruddick
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    Sustainable Programs and Complementary Currencies

    -

    In 1982, the late Dr. Margrit Kennedy’s work on ecological architecture led her to the conclusion that it is “virtually impossible to...

    +

    Gatina-Pesa Starting Circulation

    +

    Nairobi's first community currency Gatina-Pesa, following Bangla-Pesa's success has started circulation with vigor. Due to its dense...

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    • +
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    + +
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    By + Will Ruddick
    + +
    +
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    Gatina-Pesa Launched

    +

    With an amazing march through the slum, starting from Congo and ending at Gatina Primary School the entire community has been mobilized...

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    +
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    • +
  • +
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    By + Will Ruddick
    + +
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    Gatina-Pesa Launch Prep

    +

    The Gatina Business Organization is busy preparing for the community currency's official launch on October 11th. Children from the...

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    • +
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  • +
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    + +
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    By + Will Ruddick
    + +
    +
    +

    Gatina-Pesa and South Africa

    +

    Gatina-Pesa in Nairobi (a sister currency to Bangla-Pesa) is set to launch in early October! Initial designs of the Gatina-Pesa have been...

    +
    +
    +
    +
    +
    +
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    • +
  • +
    +
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    + +
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    +
    +
    +
    By + Muthoni Kiguru
    + +
    +
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    University of Nairobi Research Visit

    +

    “…I no longer sleep hungry. Even without the Kenyan money, I still have Bangla Pesa. I will survive one more day. This money never ends…”...

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    diff --git a/output/category/blog15.html b/output/category/blog15.html index 92bc126..bcbb35e 100644 --- a/output/category/blog15.html +++ b/output/category/blog15.html @@ -80,7 +80,7 @@
    - +
    @@ -88,12 +88,12 @@
    By - Will Ruddick
    - + Francis Wanjala
    +
    -

    Margrit Kennedy - Thank You

    -

    One of our largest supporters and inspirations has passed on. Our whole team and the community of Bangladesh, Kenya wish to offer...

    +

    Wanjala Visits Bangladesh

    +

    Francis Wanjala is the headmaster at Sifa Childrens Home in Nairobi. After making his first trip to Mombasa he shared with us his...

    @@ -105,7 +105,7 @@
    - +
    @@ -114,11 +114,11 @@
    By Will Ruddick
    - +
    -

    Church Offerings (Sadaka) in Bangla-Pesa

    -

    Faith based organizations (FBOs) are beginning to step up their usage of Bangla-Pesa to increase community services. FBOs act as a...

    +

    Nairobi Bangla-Pesa Making Strides

    +

    Two settlements in Nairobi are racing to create their own Bangla-Pesa exchange networks. Kawangware and Kangemi groups are already near...

    @@ -130,7 +130,7 @@
    - +
    @@ -139,11 +139,11 @@
    By Will Ruddick
    - +
    -

    Bangla-Pesa Reloaded

    -

    We've been waiting since May 29th 2013 for this and it is finally here. Bangla-Pesa is back moving through the community. We've...

    +

    School Fees with Bangla-Pesa

    +

    July has seen the Bangla-Pesa program surpass 200 accepting businesses and the introduction of three primary schools into the...

    @@ -155,7 +155,7 @@
    - +
    @@ -164,11 +164,11 @@
    By Morgan Richards
    - +
    -

    Motomoto and the Dream Catchers

    -

    Koru-Kenya’s MotoMoto program has been paired with Wema Centre for the past few months, joining our Poi and Life Skills program with...

    +

    Panty Distribution Success

    +

    In May, we told you about an incredible synergy of Star Wars (http://www.501st.com/), Roller Derby

    @@ -180,7 +180,7 @@
    - +
    @@ -189,11 +189,11 @@
    By Will Ruddick
    - +
    -

    Bangla-Pesa Relaunch

    -

    Bangla-Pesa was officially relaunched today in partnership with the Kenyan Government. Represented by Hon. Badi Twalib Minister of...

    +

    A New Kind of Cash

    +

    “Cash is the enemy of the poor,” wrote Rodger Voorhies, director of the Bill & Melinda Gates Foundation’s program aimed at improving...

    @@ -205,7 +205,7 @@
    - +
    @@ -214,11 +214,11 @@
    By Will Ruddick
    - +
    -

    No Nonsense Bangla-Pesa Crew Getting Ready

    -

    The Bangla-Pesa crew is getting ready for our November 23rd re-launch. We have confirmed guests from parliament, the governors office,...

    +

    Bangla-Pesa Waste, Volleyball and Nairobi

    +

    Community Waste Collection This weekend the Bangladesh Business Network, the more than 180 people who trade their goods and services with...

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    By - Will Ruddick
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    Bangla-Pesa Anticipating November

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    On May 29th 2013 we were arrested and charged with forgery. On August 23rd 2013 the case against Bangla-Pesa was dropped. A month after...

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    By Morgan Richards
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    Who could like this life? - Motomoto

    -

    Yesterday, we sat down with some boys from the streets of Mombasa (survivors, as they prefer to be called) in a shady patch of grass...

    +

    Growing Up is Hard

    +

    Growing up is hard. It’s especially hard if you’re living on the streets in Mombasa, or if your misbehavior in your community led to your...

    @@ -305,7 +255,32 @@
    - + +
    +
    + +
    +
    +
    +
    By + Morgan Richards
    + +
    +
    +

    Roller Derby + Star Wars = Panties

    +

    Last Sunday marked the culmination of partnerships with an unexpected collection of people who came together to support the education and...

    +
    +
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    +
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  • +
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    @@ -314,11 +289,36 @@
    By Will Ruddick
    - +
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    Bangla-Pesa Charges Dropped!

    -

    THE CASE IS OVER! Today the Director of Public Prosecutions announced that all charges against Bangla-Pesa are hereby dropped! This is a...

    +

    Registration and Exchange Visits

    +

    Registration Last week the Bangladesh Business Network was 'finally' given it's official registration papers with the Kenyan Government...

    +
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    +
    +
    +
    + +
    • +
  • +
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    By + Will Ruddick
    + +
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    Help Support Community Currencies

    +

    Dear Friends and Colleagues, We are happy to announce that we have won a precedent-setting court victory which legitimates community...

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    diff --git a/output/category/blog16.html b/output/category/blog16.html index be19a04..8a6de14 100644 --- a/output/category/blog16.html +++ b/output/category/blog16.html @@ -80,7 +80,7 @@
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    By - Will Ruddick
    - + Morgan Richards
    +
    -

    Bangla-Pesa's Fate in the hands of the DPP

    -

    We are still being charged with forgery under penal code 367(e). For Kenyan Laws see page 121. On July 15th - the Kenyan Dirctor of...

    +

    Respect on the streets

    +

    Friday, April 11th, Koru-Kenya hosted a dialogue on street harassment. The original event was intended to be a rally, held on the 4th in...

    @@ -105,7 +105,7 @@
    - +
    @@ -114,11 +114,11 @@
    By Will Ruddick
    - +
    -

    Bangla-Pesa Turmoil

    -

    The Bangla-Pesa, a complementary currency created and backed by a local business network, offers a glimpse of true sustainable...

    +

    Bangla-Pesa - Can we do it again?

    +

    After winning court battles, relaunching the program, hearing heart breaking stories and finding amazing results the local government...

    @@ -130,7 +130,7 @@
    - +
    @@ -139,11 +139,11 @@
    By Will Ruddick
    - +
    -

    Bangla-Pesa Launch

    -

    Today's launch of Bangla-Pesa was a great start to an empowering community process! 137 local business owners attended. Of the 137 local...

    +

    Elections, Service, Mapping and Nairobi

    +

    New Board and Community Service Contributions On April 19th the Bangladesh Business Network had their first official board elections and...

    @@ -155,7 +155,7 @@
    - +
    @@ -163,12 +163,12 @@
    By - Will Ruddick
    - + Morgan Richards
    +
    -

    Bangla Committee Meeting

    -

    Koru Kenya is working to capacity build the the Bangladesh Business Network (BBN) to create it's own complementary currency. The...

    +

    Borstal Boys: Poi and Life Skills Behind Bars

    +

    The MotoMoto Program is helping make a difference at the Shimo La Tewa Borstal Institution which houses 313 boys from all over Kenya....

    @@ -180,7 +180,7 @@
    - +
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    By - Will Ruddick
    - + Morgan Richards
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    Motomoto Performing Arts

    -

    We've started off the year with two new MotoMoto classes on Tuesday and Thursdays in Mombasa thanks to Burners without Borders. Each...

    +

    Bangla-Pesa Survey Results February 2014

    +

    Bangla-Pesa Follow-up Survey - February 2014 Results Two months since our re-launch in late November. Bangla-Pesa Re-IntroducedResilience...

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    By - Will Ruddick
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    BBN Meeting

    -

    After two small business meetings and several focus group sessions, the Bangla Business Network (BBN) had it's first large group meeting...

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    Marciana's Struggle, Porridge and Bangla-Pesa

    +

    Marciana's husband died a long time ago, leaving her with 5 children to care for alone. Even though she is 64 now, and most of her...

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    By - Will Ruddick
    - + Morgan Richards
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    Kenya's Food Exports vs Food Aids

    -

    Amazing as it may sound Kenya exports over 3 billion dollars worth of food! The World Food Program says that Kenya has a yearly need of...

    +

    Menstrual Cycles: Barriers to Education

    +

    Why Should Reproductive Health Be a Barrier for Education? All over Kenya girls are missing school today (for many the first day back...

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    @@ -263,12 +263,12 @@
    By - Jacky Kowa
    - + Will Ruddick
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    Tiwi Orphans Visit

    -

    This visit is different, we sat down to eat together and had a frank chat. Am grateful The Koru team visited a village in Tiwi, which had...

    +

    Sustainable Programs and Complementary Currencies

    +

    In 1982, the late Dr. Margrit Kennedy’s work on ecological architecture led her to the conclusion that it is “virtually impossible to...

    @@ -280,7 +280,7 @@
    - +
    @@ -289,11 +289,11 @@
    By Will Ruddick
    - +
    -

    Complementary Currency: Business Network Creation

    -

    With our partners, Koru works with small community businesses of Bangladesh, Kenya, in order to implement a complementary currency...

    +

    Margrit Kennedy - Thank You

    +

    One of our largest supporters and inspirations has passed on. Our whole team and the community of Bangladesh, Kenya wish to offer...

    @@ -305,7 +305,7 @@
    - +
    @@ -314,11 +314,11 @@
    By Will Ruddick
    - +
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    Motomoto Performing Arts

    -

    Martin Kimani is still spinning it up since 2009! The MotoMoto Circus programhas been working to reach street living youth through...

    +

    Church Offerings (Sadaka) in Bangla-Pesa

    +

    Faith based organizations (FBOs) are beginning to step up their usage of Bangla-Pesa to increase community services. FBOs act as a...

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      Bangla-Pesa Reloaded

      +

      We've been waiting since May 29th 2013 for this and it is finally here. Bangla-Pesa is back moving through the community. We've...

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      +
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      Motomoto and the Dream Catchers

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      Koru-Kenya’s MotoMoto program has been paired with Wema Centre for the past few months, joining our Poi and Life Skills program with...

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      Bangla-Pesa Relaunch

      +

      Bangla-Pesa was officially relaunched today in partnership with the Kenyan Government. Represented by Hon. Badi Twalib Minister of...

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      Bangla-Pesa Anticipating November

      +

      On May 29th 2013 we were arrested and charged with forgery. On August 23rd 2013 the case against Bangla-Pesa was dropped. A month after...

      +
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      Who could like this life? - Motomoto

      +

      Yesterday, we sat down with some boys from the streets of Mombasa (survivors, as they prefer to be called) in a shady patch of grass...

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      By + Will Ruddick
      + +
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      Bangla-Pesa Charges Dropped!

      +

      THE CASE IS OVER! Today the Director of Public Prosecutions announced that all charges against Bangla-Pesa are hereby dropped! This is a...

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      By + Will Ruddick
      + +
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      Bangla-Pesa Turmoil

      +

      The Bangla-Pesa, a complementary currency created and backed by a local business network, offers a glimpse of true sustainable...

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      By + Will Ruddick
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      Bangla-Pesa Launch

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      Today's launch of Bangla-Pesa was a great start to an empowering community process! 137 local business owners attended. Of the 137 local...

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      By + Will Ruddick
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      Bangla Committee Meeting

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      Koru Kenya is working to capacity build the the Bangladesh Business Network (BBN) to create it's own complementary currency. The...

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      By + Will Ruddick
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      Motomoto Performing Arts

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      We've started off the year with two new MotoMoto classes on Tuesday and Thursdays in Mombasa thanks to Burners without Borders. Each...

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      By + Will Ruddick
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      BBN Meeting

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      After two small business meetings and several focus group sessions, the Bangla Business Network (BBN) had it's first large group meeting...

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      By + Will Ruddick
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      Kenya's Food Exports vs Food Aids

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      Amazing as it may sound Kenya exports over 3 billion dollars worth of food! The World Food Program says that Kenya has a yearly need of...

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      By + Jacky Kowa
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      Tiwi Orphans Visit

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      This visit is different, we sat down to eat together and had a frank chat. Am grateful The Koru team visited a village in Tiwi, which had...

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      By + Will Ruddick
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      Motomoto Performing Arts

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      Martin Kimani is still spinning it up since 2009! The MotoMoto Circus programhas been working to reach street living youth through...

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    + ⇇ + « + Page 18 / 18 +

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    Strong Communities - Strong Currencies

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    I had the pleasure to visit Kwe Kende in Nyalgunga, Siaya County one of the strongest groups (chamas) in the Sarafu Network across Kenya,...

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    How to Host a Currency Potluck

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    Let's get the potlucks started! Here is a short introduction to the methods we use for Community Inclusion Currencies (CICs) potlucks!

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    CIC Training from Response to Recovery

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    The end effect is that communities have a way to create their own credit systems for supporting themselves responsibly with both social and

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    Collateral Bonded Gas for Block Validation

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    In order to spread adoption of a new economic models that heal economic trauma and use blockchain as a source of truth that connects us...

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    diff --git a/output/category/blog4.html b/output/category/blog4.html index 3fec4b8..b6ba3b9 100644 --- a/output/category/blog4.html +++ b/output/category/blog4.html @@ -76,6 +76,131 @@
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      By + Will Ruddick
      + +
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      How to Host a Currency Potluck

      +

      Let's get the potlucks started! Here is a short introduction to the methods we use for Community Inclusion Currencies (CICs) potlucks!

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      By + Will Ruddick
      + +
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      CIC Training from Response to Recovery

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      The end effect is that communities have a way to create their own credit systems for supporting themselves responsibly with both social and

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      Rural Villages Coping with COVID-19

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      Communities can support each other and keep vital food systems and trade alive using a blockchain based vouchers system (Community...

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      CIC (COVID-19 Crisis) Cash Aid

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      With unstable food systems and deteriorating markets and supply chains, knowing how to target aid is crucial to providing relief and buildin

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    CIC Pilot Impacts and Plans

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    In the last 30 days we have had 3015 users making at least 1 trade. For a volume of 2,336,655 Tokens (~23k USD equivalent of goods and...

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    Kenyan Women - Ahead of the IMF

    -

    Could the IMF and Commercial banks learn from women in rural Kenya how to create a decentralized and de-risked (transparently 100% backed)

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    Supporting Supply Chains in Crisis

    +

    In 30 days we have seen that by injecting a medium of exchange (CICs) nearly 100,000 USD have been traded in over 1,600 daily transactions

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    diff --git a/output/category/blog5.html b/output/category/blog5.html index 38e9718..059378e 100644 --- a/output/category/blog5.html +++ b/output/category/blog5.html @@ -76,6 +76,181 @@
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    Economies into Ecosystems

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    The reserve behind these tokens, the actual aid funding, was about $2.5k USD).This means that $2,500 USD of Aid funds created 10,000 tokens

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    Enabling Leverage

    -

    By exploring this space and enabling leverage we can open the door to truly decentralized financial services. If credit can be safely issued

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    Banking on the SILC Road

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    Rarely in development work do you see an intervention that sprouts its own two legs and starts running across the country without donor fund

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    Shrimp Fishing Builds an Economy

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    Fishermen pay for their children’s school fees by selling shrimp to a cooperative with a freezer for storage. Women buy the shrimp and cook

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    diff --git a/output/category/blog6.html b/output/category/blog6.html index 826d953..91e126b 100644 --- a/output/category/blog6.html +++ b/output/category/blog6.html @@ -80,32 +80,7 @@
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    By - rebeccamqamelo
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    Community Currencies: Cash Transfer 2.0

    -

    A few decades ago, the idea of giving money to poor people instead of food packages and healthcare was almost scandalous. Free money?...

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    By Will Ruddick
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    100+ new Blockchain Wallets in One Day – Fighting Rural Food Insecurity

    -

    Rural communities are adopting blockchain based community currencies at an astounding pace! 100+ new users in one day represents nearly...

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    Investment Modelling in Community Inclusion Currencies

    +

    While Community Inclusion Currencies (CICs) have been shown to increase local trade they can also be a vehicle for collective share...

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    @@ -139,11 +114,11 @@
    By Will Ruddick
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    -

    300 Bob - a money story

    -

    This is a story I often tell to being to discuss what money is and what it could be. It is derived from a German tale. One day a Mama...

    +

    2019 Data Release - 92k Kenyan blockchain translations

    +

    With every transaction being logged anonymously on a public blockchain we have unprecedented insight into what living below the poverty...

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    By Will Ruddick
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    -

    Celebrating Bernard's Inspiration

    -

    Bernard’s vision of diverse monetary eco-systems that support communities and the environment rather than extract from them, as they...

    +

    Economies into Ecosystems

    +

    The reserve behind these tokens, the actual aid funding, was about $2.5k USD).This means that $2,500 USD of Aid funds created 10,000 tokens

    @@ -180,7 +155,7 @@
    - +
    @@ -189,11 +164,11 @@
    By Will Ruddick
    - +
    -

    2614 Blockchain Transactions for Basic Needs

    -

    In our journey over the last few months building tools for community currencies on the blockchain to support healthy economies, a network...

    +

    Enabling Leverage

    +

    By exploring this space and enabling leverage we can open the door to truly decentralized financial services. If credit can be safely issued

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    @@ -213,12 +188,12 @@
    By - Ruth Njau & Antony Ngoka
    - + Will Ruddick
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    -

    Blockchain in Clinics, Vegetables, Cafes and Shops

    -

    While the rest of the world wonders how blockchain will impact lives these people are using it daily to bring their community out of poverty

    +

    Banking on the SILC Road

    +

    Rarely in development work do you see an intervention that sprouts its own two legs and starts running across the country without donor fund

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    @@ -238,12 +213,12 @@
    By - Lynda Chalker
    - + Paulina June
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    -

    Use Cases - Honoring 2018

    -

    Closing 2018 with a bang! We mark the end of 2018 and the beginning of this festive season by honoring schools, clinics, micro and small...

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    The people behind the transactions: a peek into the data of Kenya's most active Community Curren

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    Sarafu stands at the fore-front of digital community currencies offering novel ways to learn about the inner workings of local exchange syst

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    By - Lynda Chalker
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    Blockchain without Internet

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    We can't print enough paper notes for everyone who needs them. But nearly everyone has a phone (without internet). In order to reach a...

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    By Caroline Dama
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    Takaungu Pesa is here!

    -

    The Vindakala Youth Bunge’s motto “Coming Together is Just The Beginning.” mirrors this excitement we have after the launch of Takaungu...

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    Red Cross' Impact Continues Post Cash

    +

    "Community Currencies have enabled food insecure communities to sustainably feed themselves post Red Cross support" - Mwanamuna Sw

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    By - Lynda Chalker
    - + Caroline Dama
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    Disrupting Currencies

    -

    Grassroots Economics Foundation has been at the forefront of empowering bottom-of-the-pyramid communities in Kenya by use of Sarafu...

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    Looking Back at 40,000 Blockchain Transactions

    +

    So far, after roughly 6 months of piloting we've witnessed 40,000 blockchain transactions! So what does that actually mean?

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    By + rebeccamqamelo
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    When a woman saves the community wins

    +

    Community-based savings and loans are often what keep under-resourced economies afloat. In Kenya, these savings groups or chamas, as they are locally known, are an important source of funds in times of scarcity. We zone in on some of the women who use Sarafu to show how the community currency …

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    • ⇇ « - Page 6 / 16 + Page 6 / 18 » - ⇉ + ⇉

    diff --git a/output/category/blog7.html b/output/category/blog7.html index 4c8cdf6..52b3449 100644 --- a/output/category/blog7.html +++ b/output/category/blog7.html @@ -80,7 +80,7 @@
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    By Will Ruddick
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    Interactive Village Market Simulator!

    -

    The 5th installment of the Village Market Simulator series is now online! You can find it on YouTube or in the 'Simulations' section of...

    +

    Shrimp Fishing Builds an Economy

    +

    Fishermen pay for their children’s school fees by selling shrimp to a cooperative with a freezer for storage. Women buy the shrimp and cook

    @@ -105,7 +105,32 @@
    - + +
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    By + rebeccamqamelo
    + +
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    +

    Community Currencies: Cash Transfer 2.0

    +

    A few decades ago, the idea of giving money to poor people instead of food packages and healthcare was almost scandalous. Free money?...

    +
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    @@ -114,11 +139,11 @@
    By Will Ruddick
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    Sarafu Cooperative is born!

    -

    We are very happy to announce that today, for the first time in our organizational history, the community currency members of the Nairobi...

    +

    100+ new Blockchain Wallets in One Day – Fighting Rural Food Insecurity

    +

    Rural communities are adopting blockchain based community currencies at an astounding pace! 100+ new users in one day represents nearly...

    @@ -130,7 +155,7 @@
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    @@ -138,12 +163,12 @@
    By - Daniel Mukosia
    - + Ruth Njau & Antony Ngoka & Will Ruddick
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    Happy Mother's Day!

    -

    As a way to celebrate we are happy to share two stories from our network members! Bevelyne Ombayo is a single mother, who lives in Lindi...

    +

    Women Powered Currencies

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    It is Women who make up as much as 90% of these networks and are the foundation of the real economy. Enjoy reading about people...

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    Gatina Business Organization and the Love School Success Story

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    Love School is one of the schools that has enabled children to acquire education by allowing them to pay part of their school fees and...

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    Empowering Mothers

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    Sarafu-Credit: empowering strong women who never stop fighting for their families wellbeing We are joining together to celebrate mothers’...

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    By Will Ruddick
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    Rural Community Currencies for Food Security

    -

    The Miyani area in Kenya has been identified by Red Cross and the World Food Program as food insecure for over 5 years. Red Cross along...

    +

    300 Bob - a money story

    +

    This is a story I often tell to being to discuss what money is and what it could be. It is derived from a German tale. One day a Mama...

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    By - Crystal Kigoni
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    Tree of Knowledge and Pit of Ignorance: Aid vs. Development

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    Since beginning in the field of “development” over 10 years ago every time I visit a new community I find there is a lack of...

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    A Wonderful Experience in Miyani

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    I am a French researcher involved in an MSc Agricultural Development at the University of Copenhagen. I am very interested in Community...

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    Ending Our 2017

    -

    Dear Friends and Stakeholders, In just three years, Grassroots Economics grew from a community group working to help improve living...

    +

    Celebrating Bernard's Inspiration

    +

    Bernard’s vision of diverse monetary eco-systems that support communities and the environment rather than extract from them, as they...

    +
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    • + +
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    By + Lynda Chalker
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    Use Cases - Honoring 2018

    +

    Closing 2018 with a bang! We mark the end of 2018 and the beginning of this festive season by honoring schools, clinics, micro and small...

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    diff --git a/output/category/blog8.html b/output/category/blog8.html index 5550caf..b41cf63 100644 --- a/output/category/blog8.html +++ b/output/category/blog8.html @@ -80,7 +80,7 @@
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    By Will Ruddick
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    Community Currency Design Course Opening

    -

    Grassroots Economics has opened up its archives of design and implementation to students world wide through a hands-on, practical course...

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    Proof of Impact

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    Blockchain based Proof of Impact for Community Currencies

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    By - Lydia Anyango
    - + Lynda Chalker
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    -

    Post Election 'Syndrome' and New Economies

    -

    Election violence broke out in areas across Kenya this year and was concentrate in the lowest income areas. There is still a lot of...

    +

    Blockchain without Internet

    +

    We can't print enough paper notes for everyone who needs them. But nearly everyone has a phone (without internet). In order to reach a...

    @@ -130,7 +130,107 @@
    - + +
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    By + Caroline Dama
    + +
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    Takaungu Pesa is here!

    +

    The Vindakala Youth Bunge’s motto “Coming Together is Just The Beginning.” mirrors this excitement we have after the launch of Takaungu...

    +
    +
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    By + Lynda Chalker
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    Disrupting Currencies

    +

    Grassroots Economics Foundation has been at the forefront of empowering bottom-of-the-pyramid communities in Kenya by use of Sarafu...

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    @@ -139,11 +239,11 @@
    By Will Ruddick
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    Berkshares and Bangla-Pesa

    -

    The Schumacher Center for a New Economics has supported us with inspiration and advice since we began with Eco-Pesa in 2010. Before...

    +

    Trading the First Tomatoes on the Blockchain

    +

    Caption: Mama Evelin (right) in Bangladesh, Mombasa learns to trade her Bangla-Pesa using the Bancor Wallet; taught by Ruth Ngau of...

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    By - Daniel Mukosia
    - + Caroline Dama
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    Skylife School and Community Currency

    -

    Grassroots Economics works with communities across Kenya to develop systems that allow parents to pay for their children's education...

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    White House Visit with WomensConnect

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    Grassroots Economics Director, Caroline Dama, visited the White House on Wednesday as a finalist in the WomensConnect USAID program Our...

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    Nairobi Coordinator Inspiration

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    For the first three months I started working as a volunteer. I am able to get in touch with different business individuals in all the...

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    Biz Dev - Inspired

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    Business development using community currency Being a business development coordinator whose main objective is to see communities’ assets...

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    Universal Basic Income via Community Currencies

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    Universal Basic Income (UBI), as currently under trial in Kenya by GiveDirectly, gives regular donations to individuals in selected...

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    Interactive Village Market Simulator!

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    The 5th installment of the Village Market Simulator series is now online! You can find it on YouTube or in the 'Simulations' section of...

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    Preliminary Research Results 2017

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    Foundational Member Passes

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    Detergent Accelerator

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    Julius Nyelele has been a member of Lindi Business Network for more than one year. He is a roadside seller of washing detergents and body...

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    Happy Mother's Day!

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    Gatina Business Organization and the Love School Success Story

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    Love School is one of the schools that has enabled children to acquire education by allowing them to pay part of their school fees and...

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    Empowering Mothers

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    Sarafu-Credit: empowering strong women who never stop fighting for their families wellbeing We are joining together to celebrate mothers’...

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    A Wonderful Experience in Miyani

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    I am a French researcher involved in an MSc Agricultural Development at the University of Copenhagen. I am very interested in Community...

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    Ending Our 2017

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    Dear Friends and Stakeholders, In just three years, Grassroots Economics grew from a community group working to help improve living...

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    Community Currency Design Course Opening

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    Grassroots Economics has opened up its archives of design and implementation to students world wide through a hands-on, practical course...

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    Not Your Typical Vegetable Kiosk

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    Queen of Katwe

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    Liquidity Risk in Community Currency

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    715 Members and Growing Fast

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    Mangroves and the Eco-nomy

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    We've been working to replace the need for Mombasa's Bangladesh residents to import food and conserve their environment. Two schools near...

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    Election violence broke out in areas across Kenya this year and was concentrate in the lowest income areas. There is still a lot of...

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    Short description of FHE community based organization. dear sir/madam Greetings, I'm MARCELIN MUNGA PETRO a Congolese by nationality...

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    Super-Market Super-Currency

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    Sarafu-Credit Takes Shape

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    We began the year by looking at our successes and challenges with five Kenyan community currencies in 2015. Out of this came the...

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    Berkshares and Bangla-Pesa

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    The Schumacher Center for a New Economics has supported us with inspiration and advice since we began with Eco-Pesa in 2010. Before...

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    Skylife School and Community Currency

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    Grassroots Economics works with communities across Kenya to develop systems that allow parents to pay for their children's education...

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    Nairobi Coordinator Inspiration

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    For the first three months I started working as a volunteer. I am able to get in touch with different business individuals in all the...

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    Biz Dev - Inspired

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    Business development using community currency Being a business development coordinator whose main objective is to see communities’ assets...

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    Kwaheri 2015 - Community Service and Results

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    Five Community Currency (CC) trading business networks in Kenya have started their end of the year activities, using collected membership...

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    Universal Basic Income via Community Currencies

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    Universal Basic Income (UBI), as currently under trial in Kenya by GiveDirectly, gives regular donations to individuals in selected...

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    Bangla-Pesa Market, Shoes and Permaculture

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    Finally! The Bangladesh Business Network Market Day was a big success. Bangla-Pesa members gathered together to sell their goods and...

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    Rural Miyani-Pesa Launched

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    Today we launched our first rural community currency! The event went well to initiate and train the first 20 members and set up a local...

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    Permaculture School Farm Via Bangla-Pesa

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    Two neighboring schools St. Peter's & Paul's and St. Angeline are being trained and equipped to design, build and maintain a community...

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    Preliminary Research Results 2017

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    Mikindani Community Currency Market Day

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    The Kwa Ng'ombe Business Network held their 1st Market day on the 24th October 2015. Members came to sell and trade their goods at the...

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    Foundational Member Passes

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    Nairobi's 1st Community Currency Anniversary

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    Gatina-Pesa is the first group of 3 Community Currencies in Nairobi to Celebrate their 1st Anniversary on October 10th. With now over 120...

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    Retreat and Renewal

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    September marked the first official renewal event for Bangla-Pesa after more than 2+ years in circulation (Starting in May 2013). The...

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    New Bills for a New Economy

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    We attended a meeting on DOEN's New Economy program, where our newest version of community currency bills were unveiled in Amsterdam. The...

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    1st Community Currency Market and More

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    September 12th Community Currency groups in Mombasa and Nairobi both held simultaneous events. One was a community market and games day...

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    Smep Oiko-Credit Loans in Kangemi

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    SMEP a local OIKO-Credit partner is offering Loans and Training to Community Currency users in Kangemi and Kawangware. They have started...

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    Detergent Accelerator

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    Julius Nyelele has been a member of Lindi Business Network for more than one year. He is a roadside seller of washing detergents and body...

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    diff --git a/output/index11.html b/output/index11.html index 2da8ca0..6e26661 100644 --- a/output/index11.html +++ b/output/index11.html @@ -80,7 +80,7 @@
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    By - Will Ruddick
    - + Lydia Anyango
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    Lindi and Ng'ombeni Pesa Launched

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    The 4th and 5th Kenyan Community Currencies were launched last week within a span of 7 days. We now have our 3rd Nairobi Currency in...

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    Not Your Typical Vegetable Kiosk

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    This is Julius Odhiambo. He owns a vegetable kibanda and has been using Community Currency called Bangla-Pesa, which is part of the...

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    By Will Ruddick
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    African Community Currencies Update

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    Kenyan Community Currencies Nairobi Gatina-Pesa – The Gatina Business Network's members have been saving their Kenyan Shilings together...

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    Queen of Katwe

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    If there is one movie this year that captures the life we see here in East Africa each day it is the Queen of Katwe. There is so much...

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    By + Will Ruddick
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    Liquidity Risk in Community Currency

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    We're very happy to start the year with a visit from our Director of Risk Management Jimmy Heyns from Belgium with over 18 years of...

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    By + Will Ruddick
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    Here We Are - Kenya 2016

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    Happy holidays! We're seeing the power of community currencies in developing thriving communities and prospering economies. This year has...

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    By Ruth Mwangi
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    5 Kenyan Community Currencies Meet

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    Saturday, 27th June will remain a day to remember for various Business Networks in Kenya. A total of five Business Networks united by a...

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    Education and Business Cycles

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    A lot has been said about the education system in Kenya. The introduction of free primary education in 2003 was received with mixed...

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    By Will Ruddick
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    Municipal Bonds and Community Currency

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    A Concept Paper based on observations during the FMDV inspired conference: Conference Resolutions Africa / Marrakesh 2014: Financing...

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    Accolades for Kenyan Community Currencies

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    Community Currencies in Kenya have gotten a lot of lime light this month! Ruth Mwangi our Program Director has been honored to visit the...

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    Kibera's Lindi-Pesa Gaining Momentum

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    June 6th 2015 was bound to be a typical morning in Kibera - but Saturday morning, the inhabitants of Kibera, the biggest slum of Nairobi,...

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    Update from Kangemi-Pesa Nairobi

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    It has been only 2 months since the members of Kangemi Business Network launched their community currency and received their 400...

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    By Will Ruddick
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    Berg Rand Launches in South Africa

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    The Berg Rand or BRAND - which means 'Fire' Money in Afrikaans, had an amazing launch today! The FlowAfrica team lead by John Ziniades...

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    715 Members and Growing Fast

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    Sarafu-Credit users in five locations around Kenya have increased by over 83% since January 1st. Our Super Markets and Credit Clearing...

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    By - Robin Gerbaux
    - + Caroline Dama
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    Francis the Millionaire

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    Since several generations the family of Francis has been living in the same neighborhood of Nairobi, Gatina (Part of Kwangware). Gatina,...

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    Mangroves and the Eco-nomy

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    We've been working to replace the need for Mombasa's Bangladesh residents to import food and conserve their environment. Two schools near...

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    By + Ruth Mwangi
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    Super-Market Super-Currency

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    Hundreds and hundreds of settlers in Nairobi's Kawangware informal settlement will soon benefit from access to low priced goods...

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    By Will Ruddick
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    Progress in South Africa

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    One of our partner programs in South Africa was recently featured on the news. "An exciting new era may be dawning for the Kokstad...

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    News from Brazil

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    Every now and then we get news of great things happening in Brazil. Here is a wonderful blog that details some things happening there....

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    Sarafu-Credit Takes Shape

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    We began the year by looking at our successes and challenges with five Kenyan community currencies in 2015. Out of this came the...

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    diff --git a/output/index12.html b/output/index12.html index 73d6174..551cdf6 100644 --- a/output/index12.html +++ b/output/index12.html @@ -80,7 +80,7 @@
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    @@ -88,12 +88,12 @@
    By - Robin Gerbaux
    - + Will Ruddick
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    New Business in Kawangware

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    Since its implementation, 8 months ago, Gatina-Pesa in Nairobi's Kawangware slum has had various benefits to its members. Some of them...

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    Kwaheri 2015 - Community Service and Results

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    Five Community Currency (CC) trading business networks in Kenya have started their end of the year activities, using collected membership...

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    @@ -113,12 +113,12 @@
    By - Will Ruddick
    - + Lydia Anyango
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    Ng'ombeni-Pesa Artwork

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    The Ng'ombeni-Pesa Community Based Organization has been formed. They are a neighboring slum to Bangladesh in Mombasa County and live in...

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    Bangla-Pesa Market, Shoes and Permaculture

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    Finally! The Bangladesh Business Network Market Day was a big success. Bangla-Pesa members gathered together to sell their goods and...

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    By - Will Ruddick
    - + Caroline Dama
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    Kangemi-Pesa Launched

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    Overcoming many obstacles in a shaken Kenya, we had an amazing launch today of the third community currency in Kenya! Kangemi-Pesa is...

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    Permaculture School Farm Via Bangla-Pesa

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    Two neighboring schools St. Peter's & Paul's and St. Angeline are being trained and equipped to design, build and maintain a community...

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    By - Will Ruddick
    - + Lydia Anyango
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    Kangemi-Pesa Launch Prep and More Currency News

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    Kangemi-Pesa is launching on April 4th 2015! After six months of preparation the Kangemi Businessness Network has reached over 100...

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    Mikindani Community Currency Market Day

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    The Kwa Ng'ombe Business Network held their 1st Market day on the 24th October 2015. Members came to sell and trade their goods at the...

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    By - Will Ruddick
    - + Ruth Mwangi
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    Looking Towards 2015

    -

    2014 has been an intense year developing the structures to allow community currency programs to one day become accessible across Africa....

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    Nairobi's 1st Community Currency Anniversary

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    Gatina-Pesa is the first group of 3 Community Currencies in Nairobi to Celebrate their 1st Anniversary on October 10th. With now over 120...

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    By Will Ruddick
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    Gatina & Bangla Pesa Nov Updates

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    After more than a year of trading Bangla-Pesa, with millions of shillings worth of bills changing hands, the program is running strong....

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    Retreat and Renewal

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    September marked the first official renewal event for Bangla-Pesa after more than 2+ years in circulation (Starting in May 2013). The...

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    @@ -239,11 +239,11 @@
    By Will Ruddick
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    Gatina-Pesa Starting Circulation

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    Nairobi's first community currency Gatina-Pesa, following Bangla-Pesa's success has started circulation with vigor. Due to its dense...

    +

    1st Community Currency Market and More

    +

    September 12th Community Currency groups in Mombasa and Nairobi both held simultaneous events. One was a community market and games day...

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    - +
    @@ -263,12 +263,12 @@
    By - Will Ruddick
    - + Ruth Mwangi
    +
    -

    Gatina-Pesa Launched

    -

    With an amazing march through the slum, starting from Congo and ending at Gatina Primary School the entire community has been mobilized...

    +

    Smep Oiko-Credit Loans in Kangemi

    +

    SMEP a local OIKO-Credit partner is offering Loans and Training to Community Currency users in Kangemi and Kawangware. They have started...

    @@ -280,7 +280,7 @@
    - +
    @@ -289,11 +289,11 @@
    By Will Ruddick
    - +
    -

    Gatina-Pesa Launch Prep

    -

    The Gatina Business Organization is busy preparing for the community currency's official launch on October 11th. Children from the...

    +

    Lindi and Ng'ombeni Pesa Launched

    +

    The 4th and 5th Kenyan Community Currencies were launched last week within a span of 7 days. We now have our 3rd Nairobi Currency in...

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    By Will Ruddick
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    Hon. Paul Simba Arati MP Dagoretti - North

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    Nairobi's Dagoretti North MP. Hon. Paul Simba Arati will be attending the launch of Gatina-Pesa in October. Besides support from local...

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    African Community Currencies Update

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    Kenyan Community Currencies Nairobi Gatina-Pesa – The Gatina Business Network's members have been saving their Kenyan Shilings together...

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    By + Ruth Mwangi
    + +
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    5 Kenyan Community Currencies Meet

    +

    Saturday, 27th June will remain a day to remember for various Business Networks in Kenya. A total of five Business Networks united by a...

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    @@ -89,11 +114,11 @@
    By Will Ruddick
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    Gatina-Pesa and South Africa

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    Gatina-Pesa in Nairobi (a sister currency to Bangla-Pesa) is set to launch in early October! Initial designs of the Gatina-Pesa have been...

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    Municipal Bonds and Community Currency

    +

    A Concept Paper based on observations during the FMDV inspired conference: Conference Resolutions Africa / Marrakesh 2014: Financing...

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    @@ -113,12 +138,12 @@
    By - Muthoni Kiguru
    - + Robin Gerbaux
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    University of Nairobi Research Visit

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    “…I no longer sleep hungry. Even without the Kenyan money, I still have Bangla Pesa. I will survive one more day. This money never ends…”...

    +

    Kibera's Lindi-Pesa Gaining Momentum

    +

    June 6th 2015 was bound to be a typical morning in Kibera - but Saturday morning, the inhabitants of Kibera, the biggest slum of Nairobi,...

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    - +
    @@ -138,12 +163,12 @@
    By - Francis Wanjala
    - + Robin Gerbaux
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    Wanjala Visits Bangladesh

    -

    Francis Wanjala is the headmaster at Sifa Childrens Home in Nairobi. After making his first trip to Mombasa he shared with us his...

    +

    Update from Kangemi-Pesa Nairobi

    +

    It has been only 2 months since the members of Kangemi Business Network launched their community currency and received their 400...

    @@ -155,7 +180,7 @@
    - +
    @@ -164,11 +189,11 @@
    By Will Ruddick
    - +
    -

    Nairobi Bangla-Pesa Making Strides

    -

    Two settlements in Nairobi are racing to create their own Bangla-Pesa exchange networks. Kawangware and Kangemi groups are already near...

    +

    Berg Rand Launches in South Africa

    +

    The Berg Rand or BRAND - which means 'Fire' Money in Afrikaans, had an amazing launch today! The FlowAfrica team lead by John Ziniades...

    @@ -180,7 +205,32 @@
    - + +
    +
    + +
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    By + Robin Gerbaux
    + +
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    +

    Francis the Millionaire

    +

    Since several generations the family of Francis has been living in the same neighborhood of Nairobi, Gatina (Part of Kwangware). Gatina,...

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    By Will Ruddick
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    School Fees with Bangla-Pesa

    -

    July has seen the Bangla-Pesa program surpass 200 accepting businesses and the introduction of three primary schools into the...

    +

    Progress in South Africa

    +

    One of our partner programs in South Africa was recently featured on the news. "An exciting new era may be dawning for the Kokstad...

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    Panty Distribution Success

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    In May, we told you about an incredible synergy of Star Wars (http://www.501st.com/), Roller Derby (http://www.okcbankedtrackrollerderby....

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    A New Kind of Cash

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    “Cash is the enemy of the poor,” wrote Rodger Voorhies, director of the Bill & Melinda Gates Foundation’s program aimed at improving...

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    News from Brazil

    +

    Every now and then we get news of great things happening in Brazil. Here is a wonderful blog that details some things happening there....

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    - + +
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    By + Robin Gerbaux
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    New Business in Kawangware

    +

    Since its implementation, 8 months ago, Gatina-Pesa in Nairobi's Kawangware slum has had various benefits to its members. Some of them...

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    By Will Ruddick
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    Bangla-Pesa Waste, Volleyball and Nairobi

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    Community Waste Collection This weekend the Bangladesh Business Network, the more than 180 people who trade their goods and services with...

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    Growing Up is Hard

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    Growing up is hard. It’s especially hard if you’re living on the streets in Mombasa, or if your misbehavior in your community led to your...

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    Roller Derby + Star Wars = Panties

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    Last Sunday marked the culmination of partnerships with an unexpected collection of people who came together to support the education and...

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    Ng'ombeni-Pesa Artwork

    +

    The Ng'ombeni-Pesa Community Based Organization has been formed. They are a neighboring slum to Bangladesh in Mombasa County and live in...

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    By Will Ruddick
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    Registration and Exchange Visits

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    Registration Last week the Bangladesh Business Network was 'finally' given it's official registration papers with the Kenyan Government...

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    Kangemi-Pesa Launched

    +

    Overcoming many obstacles in a shaken Kenya, we had an amazing launch today of the third community currency in Kenya! Kangemi-Pesa is...

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    @@ -114,11 +114,11 @@
    By Will Ruddick
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    Help Support Community Currencies

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    Dear Friends and Colleagues, We are happy to announce that we have won a precedent-setting court victory which legitimates community...

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    Kangemi-Pesa Launch Prep and More Currency News

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    Kangemi-Pesa is launching on April 4th 2015! After six months of preparation the Kangemi Businessness Network has reached over 100...

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    Respect on the streets

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    Friday, April 11th, Koru-Kenya hosted a dialogue on street harassment. The original event was intended to be a rally, held on the 4th in...

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    Bangla-Pesa - Can we do it again?

    -

    After winning court battles, relaunching the program, hearing heart breaking stories and finding amazing results the local government...

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    Looking Towards 2015

    +

    2014 has been an intense year developing the structures to allow community currency programs to one day become accessible across Africa....

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    By Will Ruddick
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    Elections, Service, Mapping and Nairobi

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    New Board and Community Service Contributions On April 19th the Bangladesh Business Network had their first official board elections and...

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    Gatina & Bangla Pesa Nov Updates

    +

    After more than a year of trading Bangla-Pesa, with millions of shillings worth of bills changing hands, the program is running strong....

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    Borstal Boys: Poi and Life Skills Behind Bars

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    The MotoMoto Program is helping make a difference at the Shimo La Tewa Borstal Institution which houses 313 boys from all over Kenya....

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    Sustainable Programs and Complementary Currencies

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    In 1982, the late Dr. Margrit Kennedy’s work on ecological architecture led her to the conclusion that it is “virtually impossible to...

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    Gatina-Pesa Starting Circulation

    +

    Nairobi's first community currency Gatina-Pesa, following Bangla-Pesa's success has started circulation with vigor. Due to its dense...

    +
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    By + Will Ruddick
    + +
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    Gatina-Pesa Launched

    +

    With an amazing march through the slum, starting from Congo and ending at Gatina Primary School the entire community has been mobilized...

    +
    +
    +
    +
    +
    +
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    • +
  • +
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    By + Will Ruddick
    + +
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    Gatina-Pesa Launch Prep

    +

    The Gatina Business Organization is busy preparing for the community currency's official launch on October 11th. Children from the...

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    By + Will Ruddick
    + +
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    Gatina-Pesa and South Africa

    +

    Gatina-Pesa in Nairobi (a sister currency to Bangla-Pesa) is set to launch in early October! Initial designs of the Gatina-Pesa have been...

    +
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    By + Muthoni Kiguru
    + +
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    University of Nairobi Research Visit

    +

    “…I no longer sleep hungry. Even without the Kenyan money, I still have Bangla Pesa. I will survive one more day. This money never ends…”...

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    By - Will Ruddick
    - + Francis Wanjala
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    Margrit Kennedy - Thank You

    -

    One of our largest supporters and inspirations has passed on. Our whole team and the community of Bangladesh, Kenya wish to offer...

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    Wanjala Visits Bangladesh

    +

    Francis Wanjala is the headmaster at Sifa Childrens Home in Nairobi. After making his first trip to Mombasa he shared with us his...

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    @@ -114,11 +114,11 @@
    By Will Ruddick
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    Church Offerings (Sadaka) in Bangla-Pesa

    -

    Faith based organizations (FBOs) are beginning to step up their usage of Bangla-Pesa to increase community services. FBOs act as a...

    +

    Nairobi Bangla-Pesa Making Strides

    +

    Two settlements in Nairobi are racing to create their own Bangla-Pesa exchange networks. Kawangware and Kangemi groups are already near...

    @@ -130,7 +130,7 @@
    - +
    @@ -139,11 +139,11 @@
    By Will Ruddick
    - +
    -

    Bangla-Pesa Reloaded

    -

    We've been waiting since May 29th 2013 for this and it is finally here. Bangla-Pesa is back moving through the community. We've...

    +

    School Fees with Bangla-Pesa

    +

    July has seen the Bangla-Pesa program surpass 200 accepting businesses and the introduction of three primary schools into the...

    @@ -155,7 +155,7 @@
    - +
    @@ -164,11 +164,11 @@
    By Morgan Richards
    - +
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    Motomoto and the Dream Catchers

    -

    Koru-Kenya’s MotoMoto program has been paired with Wema Centre for the past few months, joining our Poi and Life Skills program with...

    +

    Panty Distribution Success

    +

    In May, we told you about an incredible synergy of Star Wars (http://www.501st.com/), Roller Derby

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    By Will Ruddick
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    -

    Bangla-Pesa Relaunch

    -

    Bangla-Pesa was officially relaunched today in partnership with the Kenyan Government. Represented by Hon. Badi Twalib Minister of...

    +

    A New Kind of Cash

    +

    “Cash is the enemy of the poor,” wrote Rodger Voorhies, director of the Bill & Melinda Gates Foundation’s program aimed at improving...

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    By Will Ruddick
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    -

    No Nonsense Bangla-Pesa Crew Getting Ready

    -

    The Bangla-Pesa crew is getting ready for our November 23rd re-launch. We have confirmed guests from parliament, the governors office,...

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    Bangla-Pesa Waste, Volleyball and Nairobi

    +

    Community Waste Collection This weekend the Bangladesh Business Network, the more than 180 people who trade their goods and services with...

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    Bangla-Pesa Anticipating November

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    On May 29th 2013 we were arrested and charged with forgery. On August 23rd 2013 the case against Bangla-Pesa was dropped. A month after...

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    By Morgan Richards
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    Who could like this life? - Motomoto

    -

    Yesterday, we sat down with some boys from the streets of Mombasa (survivors, as they prefer to be called) in a shady patch of grass...

    +

    Growing Up is Hard

    +

    Growing up is hard. It’s especially hard if you’re living on the streets in Mombasa, or if your misbehavior in your community led to your...

    @@ -305,7 +255,32 @@
    - + +
    +
    + +
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    By + Morgan Richards
    + +
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    Roller Derby + Star Wars = Panties

    +

    Last Sunday marked the culmination of partnerships with an unexpected collection of people who came together to support the education and...

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    @@ -314,11 +289,36 @@
    By Will Ruddick
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    Bangla-Pesa Charges Dropped!

    -

    THE CASE IS OVER! Today the Director of Public Prosecutions announced that all charges against Bangla-Pesa are hereby dropped! This is a...

    +

    Registration and Exchange Visits

    +

    Registration Last week the Bangladesh Business Network was 'finally' given it's official registration papers with the Kenyan Government...

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    By + Will Ruddick
    + +
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    Help Support Community Currencies

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    Dear Friends and Colleagues, We are happy to announce that we have won a precedent-setting court victory which legitimates community...

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    diff --git a/output/index16.html b/output/index16.html index f3b53d3..b4adde1 100644 --- a/output/index16.html +++ b/output/index16.html @@ -80,7 +80,7 @@
    - +
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    By - Will Ruddick
    - + Morgan Richards
    +
    -

    Bangla-Pesa's Fate in the hands of the DPP

    -

    We are still being charged with forgery under penal code 367(e). For Kenyan Laws see page 121. On July 15th - the Kenyan Dirctor of...

    +

    Respect on the streets

    +

    Friday, April 11th, Koru-Kenya hosted a dialogue on street harassment. The original event was intended to be a rally, held on the 4th in...

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    By Will Ruddick
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    -

    Bangla-Pesa Turmoil

    -

    The Bangla-Pesa, a complementary currency created and backed by a local business network, offers a glimpse of true sustainable...

    +

    Bangla-Pesa - Can we do it again?

    +

    After winning court battles, relaunching the program, hearing heart breaking stories and finding amazing results the local government...

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    By Will Ruddick
    - +
    -

    Bangla-Pesa Launch

    -

    Today's launch of Bangla-Pesa was a great start to an empowering community process! 137 local business owners attended. Of the 137 local...

    +

    Elections, Service, Mapping and Nairobi

    +

    New Board and Community Service Contributions On April 19th the Bangladesh Business Network had their first official board elections and...

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    By - Will Ruddick
    - + Morgan Richards
    +
    -

    Bangla Committee Meeting

    -

    Koru Kenya is working to capacity build the the Bangladesh Business Network (BBN) to create it's own complementary currency. The...

    +

    Borstal Boys: Poi and Life Skills Behind Bars

    +

    The MotoMoto Program is helping make a difference at the Shimo La Tewa Borstal Institution which houses 313 boys from all over Kenya....

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    - +
    @@ -188,12 +188,12 @@
    By - Will Ruddick
    - + Morgan Richards
    +
    -

    Motomoto Performing Arts

    -

    We've started off the year with two new MotoMoto classes on Tuesday and Thursdays in Mombasa thanks to Burners without Borders. Each...

    +

    Bangla-Pesa Survey Results February 2014

    +

    Bangla-Pesa Follow-up Survey - February 2014 Results Two months since our re-launch in late November. Bangla-Pesa Re-IntroducedResilience...

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    By - Will Ruddick
    - + Morgan Richards
    +
    -

    BBN Meeting

    -

    After two small business meetings and several focus group sessions, the Bangla Business Network (BBN) had it's first large group meeting...

    +

    Marciana's Struggle, Porridge and Bangla-Pesa

    +

    Marciana's husband died a long time ago, leaving her with 5 children to care for alone. Even though she is 64 now, and most of her...

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    By - Will Ruddick
    - + Morgan Richards
    +
    -

    Kenya's Food Exports vs Food Aids

    -

    Amazing as it may sound Kenya exports over 3 billion dollars worth of food! The World Food Program says that Kenya has a yearly need of...

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    Menstrual Cycles: Barriers to Education

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    Why Should Reproductive Health Be a Barrier for Education? All over Kenya girls are missing school today (for many the first day back...

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    By - Jacky Kowa
    - + Will Ruddick
    +
    -

    Tiwi Orphans Visit

    -

    This visit is different, we sat down to eat together and had a frank chat. Am grateful The Koru team visited a village in Tiwi, which had...

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    Sustainable Programs and Complementary Currencies

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    In 1982, the late Dr. Margrit Kennedy’s work on ecological architecture led her to the conclusion that it is “virtually impossible to...

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    By Will Ruddick
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    Complementary Currency: Business Network Creation

    -

    With our partners, Koru works with small community businesses of Bangladesh, Kenya, in order to implement a complementary currency...

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    Margrit Kennedy - Thank You

    +

    One of our largest supporters and inspirations has passed on. Our whole team and the community of Bangladesh, Kenya wish to offer...

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    By Will Ruddick
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    Motomoto Performing Arts

    -

    Martin Kimani is still spinning it up since 2009! The MotoMoto Circus programhas been working to reach street living youth through...

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    Church Offerings (Sadaka) in Bangla-Pesa

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    Faith based organizations (FBOs) are beginning to step up their usage of Bangla-Pesa to increase community services. FBOs act as a...

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    diff --git a/output/index17.html b/output/index17.html new file mode 100644 index 0000000..0d4a3ec --- /dev/null +++ b/output/index17.html @@ -0,0 +1,361 @@ + + + + grassroots-pelican + + + + + + + + + + + + + + + + + + + + + + + + + +
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      By + Will Ruddick
      + +
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      Bangla-Pesa Reloaded

      +

      We've been waiting since May 29th 2013 for this and it is finally here. Bangla-Pesa is back moving through the community. We've...

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      By + Morgan Richards
      + +
      +
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      Motomoto and the Dream Catchers

      +

      Koru-Kenya’s MotoMoto program has been paired with Wema Centre for the past few months, joining our Poi and Life Skills program with...

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Bangla-Pesa Relaunch

      +

      Bangla-Pesa was officially relaunched today in partnership with the Kenyan Government. Represented by Hon. Badi Twalib Minister of...

      +
      +
      +
      +
      +
      +
      +
      • +
      • +
    • +
      +
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      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Bangla-Pesa Anticipating November

      +

      On May 29th 2013 we were arrested and charged with forgery. On August 23rd 2013 the case against Bangla-Pesa was dropped. A month after...

      +
      +
      +
      +
      +
      +
      +
      • +
      • +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Morgan Richards
      + +
      +
      +

      Who could like this life? - Motomoto

      +

      Yesterday, we sat down with some boys from the streets of Mombasa (survivors, as they prefer to be called) in a shady patch of grass...

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
      +
      +
      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Bangla-Pesa Charges Dropped!

      +

      THE CASE IS OVER! Today the Director of Public Prosecutions announced that all charges against Bangla-Pesa are hereby dropped! This is a...

      +
      +
      +
      +
      +
      +
      +
      • +
      • +
    • +
      +
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      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Bangla-Pesa Turmoil

      +

      The Bangla-Pesa, a complementary currency created and backed by a local business network, offers a glimpse of true sustainable...

      +
      +
      +
      +
      +
      +
      +
      • +
    +

    + ⇇ + « + Page 17 / 18 + » + ⇉ +

    +
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    + + + + \ No newline at end of file diff --git a/output/index18.html b/output/index18.html new file mode 100644 index 0000000..2f3c9bb --- /dev/null +++ b/output/index18.html @@ -0,0 +1,309 @@ + + + + grassroots-pelican + + + + + + + + + + + + + + + + + + + + + + + + + +
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      + +
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      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Bangla-Pesa Launch

      +

      Today's launch of Bangla-Pesa was a great start to an empowering community process! 137 local business owners attended. Of the 137 local...

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
      +
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      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Bangla Committee Meeting

      +

      Koru Kenya is working to capacity build the the Bangladesh Business Network (BBN) to create it's own complementary currency. The...

      +
      +
      +
      +
      +
      +
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      • +
    • +
      +
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      + +
      +
      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Motomoto Performing Arts

      +

      We've started off the year with two new MotoMoto classes on Tuesday and Thursdays in Mombasa thanks to Burners without Borders. Each...

      +
      +
      +
      +
      +
      +
      +
      • +
    • +
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      + +
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      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
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      BBN Meeting

      +

      After two small business meetings and several focus group sessions, the Bangla Business Network (BBN) had it's first large group meeting...

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      +
      +
      +
      +
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      • +
    • +
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      + +
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      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Kenya's Food Exports vs Food Aids

      +

      Amazing as it may sound Kenya exports over 3 billion dollars worth of food! The World Food Program says that Kenya has a yearly need of...

      +
      +
      +
      +
      +
      +
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      • +
    • +
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      + +
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      + +
      +
      +
      +
      By + Jacky Kowa
      + +
      +
      +

      Tiwi Orphans Visit

      +

      This visit is different, we sat down to eat together and had a frank chat. Am grateful The Koru team visited a village in Tiwi, which had...

      +
      +
      +
      +
      +
      +
      +
      • +
      • +
    • +
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      + +
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      + +
      +
      +
      +
      By + Will Ruddick
      + +
      +
      +

      Motomoto Performing Arts

      +

      Martin Kimani is still spinning it up since 2009! The MotoMoto Circus programhas been working to reach street living youth through...

      +
      +
      +
      +
      +
      +
      +
      • +
    +

    + ⇇ + « + Page 18 / 18 +

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    Strong Communities - Strong Currencies

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    I had the pleasure to visit Kwe Kende in Nyalgunga, Siaya County one of the strongest groups (chamas) in the Sarafu Network across Kenya,...

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    How to Host a Currency Potluck

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    Let's get the potlucks started! Here is a short introduction to the methods we use for Community Inclusion Currencies (CICs) potlucks!

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    CIC Training from Response to Recovery

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    The end effect is that communities have a way to create their own credit systems for supporting themselves responsibly with both social and

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    Collateral Bonded Gas for Block Validation

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    In order to spread adoption of a new economic models that heal economic trauma and use blockchain as a source of truth that connects us...

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      + +
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      + +
      +
      +
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      By + Will Ruddick
      + +
      +
      +

      How to Host a Currency Potluck

      +

      Let's get the potlucks started! Here is a short introduction to the methods we use for Community Inclusion Currencies (CICs) potlucks!

      +
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      +
      +
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    • +
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      By + Will Ruddick
      + +
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      CIC Training from Response to Recovery

      +

      The end effect is that communities have a way to create their own credit systems for supporting themselves responsibly with both social and

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    • @@ -180,32 +305,7 @@
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      Rural Villages Coping with COVID-19

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      Communities can support each other and keep vital food systems and trade alive using a blockchain based vouchers system (Community...

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      CIC (COVID-19 Crisis) Cash Aid

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      With unstable food systems and deteriorating markets and supply chains, knowing how to target aid is crucial to providing relief and buildin

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    CIC Pilot Impacts and Plans

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    In the last 30 days we have had 3015 users making at least 1 trade. For a volume of 2,336,655 Tokens (~23k USD equivalent of goods and...

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    Kenyan Women - Ahead of the IMF

    -

    Could the IMF and Commercial banks learn from women in rural Kenya how to create a decentralized and de-risked (transparently 100% backed)

    +

    Supporting Supply Chains in Crisis

    +

    In 30 days we have seen that by injecting a medium of exchange (CICs) nearly 100,000 USD have been traded in over 1,600 daily transactions

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    Economies into Ecosystems

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    The reserve behind these tokens, the actual aid funding, was about $2.5k USD).This means that $2,500 USD of Aid funds created 10,000 tokens

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    Enabling Leverage

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    By exploring this space and enabling leverage we can open the door to truly decentralized financial services. If credit can be safely issued

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    Banking on the SILC Road

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    Rarely in development work do you see an intervention that sprouts its own two legs and starts running across the country without donor fund

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    Shrimp Fishing Builds an Economy

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    Fishermen pay for their children’s school fees by selling shrimp to a cooperative with a freezer for storage. Women buy the shrimp and cook

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    Community Currencies: Cash Transfer 2.0

    -

    A few decades ago, the idea of giving money to poor people instead of food packages and healthcare was almost scandalous. Free money?...

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    By Will Ruddick
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    100+ new Blockchain Wallets in One Day – Fighting Rural Food Insecurity

    -

    Rural communities are adopting blockchain based community currencies at an astounding pace! 100+ new users in one day represents nearly...

    +

    Investment Modelling in Community Inclusion Currencies

    +

    While Community Inclusion Currencies (CICs) have been shown to increase local trade they can also be a vehicle for collective share...

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    By Will Ruddick
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    300 Bob - a money story

    -

    This is a story I often tell to being to discuss what money is and what it could be. It is derived from a German tale. One day a Mama...

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    2019 Data Release - 92k Kenyan blockchain translations

    +

    With every transaction being logged anonymously on a public blockchain we have unprecedented insight into what living below the poverty...

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    By Will Ruddick
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    Celebrating Bernard's Inspiration

    -

    Bernard’s vision of diverse monetary eco-systems that support communities and the environment rather than extract from them, as they...

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    Economies into Ecosystems

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    The reserve behind these tokens, the actual aid funding, was about $2.5k USD).This means that $2,500 USD of Aid funds created 10,000 tokens

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    By Will Ruddick
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    2614 Blockchain Transactions for Basic Needs

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    In our journey over the last few months building tools for community currencies on the blockchain to support healthy economies, a network...

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    Enabling Leverage

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    By exploring this space and enabling leverage we can open the door to truly decentralized financial services. If credit can be safely issued

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    Blockchain in Clinics, Vegetables, Cafes and Shops

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    While the rest of the world wonders how blockchain will impact lives these people are using it daily to bring their community out of poverty

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    Banking on the SILC Road

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    Rarely in development work do you see an intervention that sprouts its own two legs and starts running across the country without donor fund

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    Use Cases - Honoring 2018

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    Closing 2018 with a bang! We mark the end of 2018 and the beginning of this festive season by honoring schools, clinics, micro and small...

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    The people behind the transactions: a peek into the data of Kenya's most active Community Curren

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    Sarafu stands at the fore-front of digital community currencies offering novel ways to learn about the inner workings of local exchange syst

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    Blockchain without Internet

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    We can't print enough paper notes for everyone who needs them. But nearly everyone has a phone (without internet). In order to reach a...

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    Takaungu Pesa is here!

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    The Vindakala Youth Bunge’s motto “Coming Together is Just The Beginning.” mirrors this excitement we have after the launch of Takaungu...

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    Red Cross' Impact Continues Post Cash

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    "Community Currencies have enabled food insecure communities to sustainably feed themselves post Red Cross support" - Mwanamuna Sw

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    By - Lynda Chalker
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    Disrupting Currencies

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    Grassroots Economics Foundation has been at the forefront of empowering bottom-of-the-pyramid communities in Kenya by use of Sarafu...

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    Looking Back at 40,000 Blockchain Transactions

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    So far, after roughly 6 months of piloting we've witnessed 40,000 blockchain transactions! So what does that actually mean?

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    By + rebeccamqamelo
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    When a woman saves the community wins

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    Community-based savings and loans are often what keep under-resourced economies afloat. In Kenya, these savings groups or chamas, as they are locally known, are an important source of funds in times of scarcity. We zone in on some of the women who use Sarafu to show how the community currency …

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    diff --git a/output/index7.html b/output/index7.html index 96d11b3..4f47e9b 100644 --- a/output/index7.html +++ b/output/index7.html @@ -80,7 +80,7 @@
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    By Will Ruddick
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    Interactive Village Market Simulator!

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    The 5th installment of the Village Market Simulator series is now online! You can find it on YouTube or in the 'Simulations' section of...

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    Shrimp Fishing Builds an Economy

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    Fishermen pay for their children’s school fees by selling shrimp to a cooperative with a freezer for storage. Women buy the shrimp and cook

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    By + rebeccamqamelo
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    Community Currencies: Cash Transfer 2.0

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    A few decades ago, the idea of giving money to poor people instead of food packages and healthcare was almost scandalous. Free money?...

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    Sarafu Cooperative is born!

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    We are very happy to announce that today, for the first time in our organizational history, the community currency members of the Nairobi...

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    100+ new Blockchain Wallets in One Day – Fighting Rural Food Insecurity

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    Rural communities are adopting blockchain based community currencies at an astounding pace! 100+ new users in one day represents nearly...

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    By - Daniel Mukosia
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    Happy Mother's Day!

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    As a way to celebrate we are happy to share two stories from our network members! Bevelyne Ombayo is a single mother, who lives in Lindi...

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    Women Powered Currencies

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    It is Women who make up as much as 90% of these networks and are the foundation of the real economy. Enjoy reading about people...

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    Gatina Business Organization and the Love School Success Story

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    Love School is one of the schools that has enabled children to acquire education by allowing them to pay part of their school fees and...

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    Empowering Mothers

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    Sarafu-Credit: empowering strong women who never stop fighting for their families wellbeing We are joining together to celebrate mothers’...

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    Rural Community Currencies for Food Security

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    The Miyani area in Kenya has been identified by Red Cross and the World Food Program as food insecure for over 5 years. Red Cross along...

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    300 Bob - a money story

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    This is a story I often tell to being to discuss what money is and what it could be. It is derived from a German tale. One day a Mama...

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    Tree of Knowledge and Pit of Ignorance: Aid vs. Development

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    Since beginning in the field of “development” over 10 years ago every time I visit a new community I find there is a lack of...

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    A Wonderful Experience in Miyani

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    I am a French researcher involved in an MSc Agricultural Development at the University of Copenhagen. I am very interested in Community...

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    Ending Our 2017

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    Dear Friends and Stakeholders, In just three years, Grassroots Economics grew from a community group working to help improve living...

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    Celebrating Bernard's Inspiration

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    Bernard’s vision of diverse monetary eco-systems that support communities and the environment rather than extract from them, as they...

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    By + Lynda Chalker
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    Use Cases - Honoring 2018

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    Closing 2018 with a bang! We mark the end of 2018 and the beginning of this festive season by honoring schools, clinics, micro and small...

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    By Will Ruddick
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    Community Currency Design Course Opening

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    Grassroots Economics has opened up its archives of design and implementation to students world wide through a hands-on, practical course...

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    Proof of Impact

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    Blockchain based Proof of Impact for Community Currencies

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    By - Lydia Anyango
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    Post Election 'Syndrome' and New Economies

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    Election violence broke out in areas across Kenya this year and was concentrate in the lowest income areas. There is still a lot of...

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    Blockchain without Internet

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    We can't print enough paper notes for everyone who needs them. But nearly everyone has a phone (without internet). In order to reach a...

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    By + Caroline Dama
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    Takaungu Pesa is here!

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    The Vindakala Youth Bunge’s motto “Coming Together is Just The Beginning.” mirrors this excitement we have after the launch of Takaungu...

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    By + Lynda Chalker
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    Disrupting Currencies

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    Grassroots Economics Foundation has been at the forefront of empowering bottom-of-the-pyramid communities in Kenya by use of Sarafu...

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    Berkshares and Bangla-Pesa

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    The Schumacher Center for a New Economics has supported us with inspiration and advice since we began with Eco-Pesa in 2010. Before...

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    Trading the First Tomatoes on the Blockchain

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    Caption: Mama Evelin (right) in Bangladesh, Mombasa learns to trade her Bangla-Pesa using the Bancor Wallet; taught by Ruth Ngau of...

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    Skylife School and Community Currency

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    Grassroots Economics works with communities across Kenya to develop systems that allow parents to pay for their children's education...

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    White House Visit with WomensConnect

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    Grassroots Economics Director, Caroline Dama, visited the White House on Wednesday as a finalist in the WomensConnect USAID program Our...

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    Nairobi Coordinator Inspiration

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    For the first three months I started working as a volunteer. I am able to get in touch with different business individuals in all the...

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    Biz Dev - Inspired

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    Business development using community currency Being a business development coordinator whose main objective is to see communities’ assets...

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    Universal Basic Income via Community Currencies

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    Universal Basic Income (UBI), as currently under trial in Kenya by GiveDirectly, gives regular donations to individuals in selected...

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    Interactive Village Market Simulator!

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    The 5th installment of the Village Market Simulator series is now online! You can find it on YouTube or in the 'Simulations' section of...

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    Rural Miyani-Pesa Launched

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    Today we launched our first rural community currency! The event went well to initiate and train the first 20 members and set up a local...

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    Preliminary Research Results 2017

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    Grassroots Economics currently facilitates Community Currency programs for 1140 businesses across 5 communities which report both social...

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    Foundational Member Passes

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    It is sad to announce the sudden death of Dominic Okello (in the middle) who passed on early May 2017. He is a resident of Bangladesh...

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    Sarafu Cooperative is born!

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    We are very happy to announce that today, for the first time in our organizational history, the community currency members of the Nairobi...

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    New Bills for a New Economy

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    We attended a meeting on DOEN's New Economy program, where our newest version of community currency bills were unveiled in Amsterdam. The...

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    Detergent Accelerator

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    Julius Nyelele has been a member of Lindi Business Network for more than one year. He is a roadside seller of washing detergents and body...

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    Happy Mother's Day!

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    As a way to celebrate we are happy to share two stories from our network members! Bevelyne Ombayo is a single mother, who lives in Lindi...

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    Gatina Business Organization and the Love School Success Story

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    Love School is one of the schools that has enabled children to acquire education by allowing them to pay part of their school fees and...

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    Empowering Mothers

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    Sarafu-Credit: empowering strong women who never stop fighting for their families wellbeing We are joining together to celebrate mothers’...

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    A Wonderful Experience in Miyani

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    I am a French researcher involved in an MSc Agricultural Development at the University of Copenhagen. I am very interested in Community...

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    Ending Our 2017

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    Dear Friends and Stakeholders, In just three years, Grassroots Economics grew from a community group working to help improve living...

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    Community Currency Design Course Opening

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    Grassroots Economics has opened up its archives of design and implementation to students world wide through a hands-on, practical course...

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    By Lydia Anyango
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    Not Your Typical Vegetable Kiosk

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    This is Julius Odhiambo. He owns a vegetable kibanda and has been using Community Currency called Bangla-Pesa, which is part of the...

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    Queen of Katwe

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    If there is one movie this year that captures the life we see here in East Africa each day it is the Queen of Katwe. There is so much...

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    Liquidity Risk in Community Currency

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    We're very happy to start the year with a visit from our Director of Risk Management Jimmy Heyns from Belgium with over 18 years of...

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    Here We Are - Kenya 2016

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    Happy holidays! We're seeing the power of community currencies in developing thriving communities and prospering economies. This year has...

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    Education and Business Cycles

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    A lot has been said about the education system in Kenya. The introduction of free primary education in 2003 was received with mixed...

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    715 Members and Growing Fast

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    Sarafu-Credit users in five locations around Kenya have increased by over 83% since January 1st. Our Super Markets and Credit Clearing...

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    Mangroves and the Eco-nomy

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    We've been working to replace the need for Mombasa's Bangladesh residents to import food and conserve their environment. Two schools near...

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    Post Election 'Syndrome' and New Economies

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    Election violence broke out in areas across Kenya this year and was concentrate in the lowest income areas. There is still a lot of...

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    diff --git a/output/panty-distribution.html b/output/panty-distribution.html index 108dea1..674c2ab 100644 --- a/output/panty-distribution.html +++ b/output/panty-distribution.html @@ -97,11 +97,7 @@
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    In May, we told you about an incredible synergy of Star Wars (http://www.501st.com/), Roller Derby (http://www.okcbankedtrackrollerderby.com/), and amazing, concerned, generous people that generated more than $1300 and 363 pairs of panties. Thanks to all of you who made this a reality!

    -

    In May, we told you about an incredible synergy of Star Wars (http://www.501st.com/), Roller Derby (http://www.okcbankedtrackrollerderby.com/), and amazing, concerned, generous people that generated more than $1300 and 363 pairs of panties. Thanks to all of you who made this a reality!

    -

    In May, we told you about an incredible synergy of Star Wars (http://www.501st.com/), Roller Derby (http://www.okcbankedtrackrollerderby.com/), and amazing, concerned, generous people that generated more than $1300 and 363 pairs of panties. Thanks to all of you who made this a reality!

    -
    -http://www.501st.com/ http://www.okcbankedtrackrollerderby.com/
    +

    In May, we told you about an incredible synergy of Star Wars (http://www.501st.com/), Roller Derby (http://www.okcbankedtrackrollerderby.com/), and amazing, concerned, generous people that generated more than $1300 and 363 pairs of panties. Thanks to all of you who made this a reality!

    In June, we put that money and those panties to use. Given Koru-Kenya’s strong ties to Bangladesh, Kenya and the great need there, we were able to reach out to 363 girls in the informal settlement. It’s difficult to properly convey the challenges faced by these schools, their administration, teachers, and students. Two schools rest on a cliff side overlooking what remains of a gorgeous mangrove forest on a salt water creek. Unfortunately for them, erosion is a constant threat to the integrity of the school, which could be washed away by a strong rain.

    Still the administration and teachers work hard to provide for the students. On both panty distribution days they heroically rounded up the excited girls and helped us to keep them calm as we distributed panties and sanitary towels. The girls were full of questions, their first coming from one brave young lady in the front of the class who determinedly raised her hand to ask about sanitary pads, “Can you please tell us how to use these?” This (with the help of a demonstration voluntarily and unexpectedly given by one of the older girls in the first two schools) and all the many other questions were answered during the course of the reproductive life skills sessions.

    Remarkably, there were panties left over even after our target of 350 girls was surpassed (by 13 girls). We turned our attention to another vulnerable population with which Koru-Kenya works, street living children. Our life skills coordinator struggled to access these girls because street-living girls and women are especially vulnerable and cautious about interacting with strangers. Still, our life skills coordinator is well known in the area, and, when parents heard what we were offering, they did bring 18 of their daughters for a life skills session and panty distribution.

    diff --git a/output/permaculture-school.html b/output/permaculture-school.html index bf34bbe..333cf3d 100644 --- a/output/permaculture-school.html +++ b/output/permaculture-school.html @@ -97,7 +97,7 @@
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    Two neighboring schools St. Peter's & Paul's and St. Angeline are being trained and equipped to design, build and maintain a community food garden and tree nursery for mangrove restoration using permaculture techniques. A group of local businesses (The Bangladesh Business Network) will support the program by helping to provide labor and purchasing produce from the garden using a community currency (Bangla-Pesa) that can also be used for paying school fees and for local goods and services. The sustainability of the program comes from its ownership by the schools and integration into a larger network of businesses, schools and parents using a community currency called Bangla-Pesa. One of the challenges of community currencies is that they depend on backing of local goods and services. If all vegetables come from outside the community this limits currency circulation. Hence developing a good garden is a great import replacing business that drastically reduces the transport needed for distribution. This Monday and Tuesday the community held a ground breaking ceremony and begun digging swales to prevent erosion. These swales will be filled with manure and grass and let to compost until school restarts in January - when roof water catchment will be installed and the garden will be sewn with nutritious vegetables. The community will also be reforesting a mangrove forest at the base of the schools. We hope this model of community school garden will be a great success and replicated in all our community currencies. We greatly appreciate all the support for this program from the Permaculture International Public Fund based in Australia.

    diff --git a/output/post-election.html b/output/post-election.html index cbc9e43..7aae256 100644 --- a/output/post-election.html +++ b/output/post-election.html @@ -97,7 +97,8 @@
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    Election violence broke out in areas across Kenya this year and was concentrate in the lowest income areas. There is still a lot of uncertainty and much of Kenya's economy is still in what people call Post Election Syndrome where the usual amounts of money coming into the slums isn't because larger markets have been disrupted.

    + +

    Election violence broke out in areas across Kenya this year and was concentrate in the lowest income areas. There is still a lot of uncertainty and much of Kenya's economy is still in what people call Post Election Syndrome where the usual amounts of money coming into the slums isn't because larger markets have been disrupted.

    Lydia Anyango reporting from Mombasa:

    The streets of Mikindani and Bangladesh are almost empty. It is not usual to see these streets like this. They are normally flocked by people buying, selling and others just running up and down. This is what we call Post Election ‘Syndrome’. People have fled to upcountry for ‘safety’ while others are just indoors. It clear that the recent elections and current political situation has caused serious economic instability.

    Khadija a woman selling vegetables is known by most people in the community. Regardless of the post election economy, she still opens her business very early in the morning. I ask her if she is not worried of getting into loss if her mboga doesn’t sell, “I am not worried and in fact I’ll sell it all before you know it. I don’t only depend Kenyan Shillings. Here we use Ng’ombeni-Pesa (NP) especially at a time when the economy is down like now,” she says. “Why should I worry when I can also use community currency to meet my daily needs?” She adds. Khadija wishes that the whole country embraces the use of alternative currency so that people won’t worry and would still meet their needs when the Kenyan Shillings goes down.

    diff --git a/output/preliminary-research.html b/output/preliminary-research.html index b64987f..0dfa0d0 100644 --- a/output/preliminary-research.html +++ b/output/preliminary-research.html @@ -115,16 +115,10 @@

    Customers: 57% of members report increases to customers and 65% report increases to sales because of the program.

    Member retention: Overall we have issued a zero-interest credit to 1700 members totaling roughly 7200 EUR and retained 1140 members (95%).

    Community Currency usage over time.(Average daily amount of CC usage). We find the longer people are in the program the more Community Currency they are using.

    - + -

    #survey #sarafu

    -
    -#survey
    -

    #survey

    -
    -#sarafu
    -

    #sarafu

    +

    #survey #sarafu

    diff --git a/output/progress-in.html b/output/progress-in.html index 1953c97..2d97df6 100644 --- a/output/progress-in.html +++ b/output/progress-in.html @@ -97,15 +97,11 @@
    - +

    One of our partner programs in South Africa was recently featured on the news.

    "An exciting new era may be dawning for the Kokstad community as it promises to boost the economy and save money, not only­ for businesses, but also for the community. This phenomenon will be brought about with the proposed introduction of the K-rand, a currency exclusive to Kokstad. This was revealed at a presentation made by Fostering Local Well-being­ (Flow) ambassadors at the Kokstad community hall on Tuesday­. Kokstad has been selected as one of two towns for a national Treasury-funded pilot project being conducted in conjunction with University of Cape Town to test the idea, which is successful in other parts of the world."

    Click here to read the full story: http://www.news24.com/SouthAfrica/Local/East-Griqualand-Fever/Kokstad-cu...

    -
    -` http://www.news24.com/SouthAfrica/Local/East-Griqualand-Fever/Kokstad-cu... <http://www.news24.com/SouthAfrica/Local/East-Griqualand-Fever/Kokstad-currency-proposed-20150429>`_

    Click here for the follow-up story after a visit from our team: http://www.news24.com/SouthAfrica/Local/East-Griqualand-Fever/Community-...

    -
    -` http://www.news24.com/SouthAfrica/Local/East-Griqualand-Fever/Community-... <http://www.news24.com/SouthAfrica/Local/East-Griqualand-Fever/Community-currency-pioneer-talks-to-business-owners-20150521>`_
    diff --git a/output/proof-of.html b/output/proof-of.html new file mode 100644 index 0000000..933cc75 --- /dev/null +++ b/output/proof-of.html @@ -0,0 +1,161 @@ + + + + grassroots-pelican - Proof of Impact + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
    +
    +
    +

    + Proof of Impact +

    +
    +
    + +
    + By Will Ruddick +
    + + + + + +

    + +
    + +

    In 2010 - 9 years ago - we started printing paper notes and giving them out to community members as mutual-credit vouchers (community currencies) for each other’s goods and services. There isn't enough national currency in these underserved communities, yet there is an abundance of goods and services on offer – with no money to trade it with.

    +

    With these paper vouchers, we saw trade happening in economic downturns where normally trade would be stagnating. We saw groups trading in cycles with each other and developing trust and market resilience.

    + +

    ....But we really had no idea exactly how much trade of community currencies there was and hence little clue as to the actual amount of underutilized capacity in those communities. With paper bills we would attempt to track serial numbers to understand the circulation – but the task was far too tough … until now.

    +

    Now community currencies are created cryptographically as tokens on the POA.network blockchain with the inherent ability to be tradable to other tokens via the Bancor Protocol. We can now issue these Liquid Community Currencies at no cost of printing and are able to measure their impacts through every single transaction.

    +

    With this data we can now tell how much trade is possible in the absence or lack of National Currency and we’re just seeing the tip of the iceberg of what human potential could look like if not constrained by a scarce medium of exchange.

    +

    In the last month we’ve just begun digitizing our paper based community currencies and created an initial 382 blockchain wallets among school teachers, fruit sellers, salons, boda boda operators and many more (growing at roughly 100 wallets a week).

    + +

    How it works: Each user receives roughly $4USD of tokens with a soft-pegged value to the National currency – but no exchangeability whatsoever for National currency. The tokens are exchangable solely by the goods and services of the community members – like a circulating communal voucher. People trade their tokens on feature phones - with no internet needed (via our own open source USSD systems).

    +

    Beyond our usual physical surveys; to verify impacts based on blockchain data, each transaction is matched to the goods and services being offered on that wallet ID then aggregated to for a confidence score to verify impacts on various Sustainable Development Goals such as education and food security.

    +

    We are also implementing a negative interest rate (demurrage) that causes the tokens to migrate over time to a community fund that is redistributed as a basic income.

    +

    These community currencies are generally not financially preferable to National Currency because of their limited acceptability and unconvertability to fiat - yet because Kenyan Shillings are in such chronic short supply; over the last month we have seen transactions totaling $9,652 USD in value among 5 communities in disperse informal settlements (slums) across Kenya. This is amazing and not what you will find in typical economics textbooks.

    +

    What does this mean?

    +

    These informal settlements are very large (over 100k people minimally) and we haven’t even reached 1% of one community yet - but let’s say we had (and will very soon); then at full capacity, one community, in one month, should be able to increase their trade by more than $200,000. USD!

    + +

    If after only a month of pilot trading, $10k of circulation can be seen. It means an end to poverty, as we know it, is possible through the redesign of our economic systems. Money, for lack of a better word, can be created by people in underserved and marginalized areas, backed by their own goods and services.

    +

    To put it in perspective a transaction of these Liquid Community Currencies valuing only:

    +
      +
    • USD $0.20, is a meal being eaten, when before someone was going hungry.
      • +
    • USD $3.00 is enough to pay for a term of school tuition fees.
      • +
    +

    By simply providing a means of exchange (liquidity for underutilized capacity), we can enable vast supply and vast demand to meet and unlock trade that provides food security and education.

    +

    "If this doesn’t show that poverty is a systemic symptom of a poor monetary system +– I don’t know what could." - Prof. Ester Barinaga Lund University

    +

    This data is available on the blockchain along with surveys for each user next year for researchers. While this work has just begun, with enough support, we expect it to reach a phase transition next year as organic growth begins to spread the concept farther and farther.

    +

    As a non-profit foundation we are seeking support on all sides to make sure these seeds of new economies grow, and communities worldwide can duplicate and expand on this work. While we are standing on the shoulders of giants of generosity to get this far, we still very much need support.

    +

    Please support Grassroots Economics Foundation.

    +

    Beyond making a donation – no matter how small – please also consider supporting in other ways:

    +
    +
    We need all manner of volunteers, programmers, community managers, tech support, data analysts, field support, educational videos and materials and so on.
    +
    Contact us..
    +
    +

    Here is to a wonderful 2019!

    +

    #proofofimpact #blockchain #communitycurrency #donate #volunteer

    + +
    +
    +
    +
    +
    + + + + + + + + + + + + + TERMS AND CONDITIONS +
    +
    + + + + \ No newline at end of file diff --git a/output/queen-of.html b/output/queen-of.html index 8e6ea84..d37442d 100644 --- a/output/queen-of.html +++ b/output/queen-of.html @@ -97,13 +97,10 @@
    -

    If there is one movie this year that captures the life we see here in East Africa each day it is the Queen of Katwe. There is so much sadness and so much beauty and potential. We're so grateful that people can see the slums in this way and think about the chronic financial situation there. Sadly a huge number of people living in rural areas would rather move to the slums. The rural to urban migration is larger than it has ever been. According to UN Habitat: In our world, one in eight people live in slums. In total, around a billion people live in slum conditions today. This not only amounts to a rather unacceptable contemporary reality but to one whose numbers are continuously swelling. In less than 20 years those number could double!

    +

    If there is one movie this year that captures the life we see here in East Africa each day it is the Queen of Katwe. There is so much sadness and so much beauty and potential. We're so grateful that people can see the slums in this way and think about the chronic financial situation there. Sadly a huge number of people living in rural areas would rather move to the slums. The rural to urban migration is larger than it has ever been. According to UN Habitat: In our world, one in eight people live in slums. In total, around a billion people live in slum conditions today. This not only amounts to a rather unacceptable contemporary reality but to one whose numbers are continuously swelling. In less than 20 years those number could double!

    How do community currencies help? If you watch Queen of Katwe you will notice that no bank is offering credit to people in the slums. Far less than 50% of the population has any access to banking. Over the last 20 years MFIs and banks have largely pulled out of such areas due to high default rates.

    Community Currencies bring together networks of mainly women-run small businesses and empowers them to create their own rotating credit. These networks can create a buffer of credit that stays flowing int he community so that when the national currency leaves there is still the ability to trade. This simple concept drastically changes the local dynamic to support and grow local businesses. It means that thousands of people are walking around an area that are insensitized to buy from cooperative businesses run by the network.

    -

    Please consider making a donation or connecting us with people that can help spread these programs to places like Katwe.

    -

    Please consider making a donation or connecting us with people that can help spread these programs to places like Katwe.

    -
    -donation
    +

    Please consider making a donation or connecting us with people that can help spread these programs to places like Katwe.

    diff --git a/output/recommoning--.html b/output/recommoning--.html index a443770..8fc35c6 100644 --- a/output/recommoning--.html +++ b/output/recommoning--.html @@ -97,71 +97,33 @@
    - +

    Traditional women’s groups (chama in Kiswahili) come together to save and give eachother loans. Interest or fees are added to users' savings then divided back out and debts are cleared at the end of each year, and the cycle begins again. They also elect a new board of directors so it reboots the debt and governance cycles.

    -

    We are learning together about this absolutely virtuous cycle of ReCommoning where communities learn from mistakes and bring themselves together around common goals and problems!

    -
    -We are learning together about this absolutely virtuous cycle of ReCommoning where communities learn from mistakes and bring themselves together around common goals and problems!
    -

    We are learning together about this absolutely virtuous cycle of ReCommoning where communities learn from mistakes and bring themselves together around common goals and problems!

    -
    -Currencies: What if a group created their own credit not with just national currency backing but with commitments of goods and services as well? What if they still put in at least 25% collateral behind that (instead of 100% as they do now) and bonded it to the credit – such that anyone could add to the collateral to create more credit – and anyone could liquidate their credit to pull out the collateral.
    -

    Currencies: What if a group created their own credit not with just national currency backing but with commitments of goods and services as well? What if they still put in at least 25% collateral behind that (instead of 100% as they do now) and bonded it to the credit – such that anyone could add to the collateral to create more credit – and anyone could liquidate their credit to pull out the collateral.

    -

    We call this sort of credit system a Community Inclusion Currency (CIC) – or Sarafu ('currency' in Kiswahili as it is called in Kenya).

    -
    -We call this sort of credit system a Community Inclusion Currency (CIC) – or Sarafu ('currency' in Kiswahili as it is called in Kenya).
    -

    We call this sort of credit system a Community Inclusion Currency (CIC) – or Sarafu ('currency' in Kiswahili as it is called in Kenya).

    -

    So far no one has built explicit debt reboots into CICs (blockchain based smart contracts)– but they do have some intrinsic ability to be steered socially into cyclical motifs - just as traditional groups have been cooperativley steering their chamas.

    -
    -So far no one has built explicit debt reboots into CICs (blockchain based smart contracts)– but they do have some intrinsic ability to be steered socially into cyclical motifs - just as traditional groups have been cooperativley steering their chamas.
    -

    So far no one has built explicit debt reboots into CICs (blockchain based smart contracts)– but they do have some intrinsic ability to be steered socially into cyclical motifs - just as traditional groups have been cooperativley steering their chamas.

    +

    We are learning together about this absolutely virtuous cycle of ReCommoning where communities learn from mistakes and bring themselves together around common goals and problems!

    +

    Currencies: What if a group created their own credit not with just national currency backing but with commitments of goods and services as well? What if they still put in at least 25% collateral behind that (instead of 100% as they do now) and bonded it to the credit – such that anyone could add to the collateral to create more credit – and anyone could liquidate their credit to pull out the collateral.

    +

    We call this sort of credit system a Community Inclusion Currency (CIC) – or Sarafu ('currency' in Kiswahili as it is called in Kenya).

    +

    So far no one has built explicit debt reboots into CICs (blockchain based smart contracts)– but they do have some intrinsic ability to be steered socially into cyclical motifs - just as traditional groups have been cooperativley steering their chamas.

    Based on action research done with community group participation this social function has been imagined to work something like this and will be tested over the next years:

    -
    -Setup: A community group or chama puts in $1000 USD worth of digital asset into a reserve – which I’ll often call a collateral fund. The same community also commits to accepting (aka redeeming) 4,000 tokens 1:1 with 1$ USD for their goods and services. With this contract solidified (on and off chain): they create 4000 CIC (called locally X1 chama tokens) and 2000 (50%) of those tokens go to the liquidity providers (who contributed reserve and commitments) and 2000 go to voted on community projects with designated account holders that pay for things like communal farming and elderly care.
    -

    Setup: A community group or chama puts in $1000 USD worth of digital asset into a reserve – which I’ll often call a collateral fund. The same community also commits to accepting (aka redeeming) 4,000 tokens 1:1 with 1$ USD for their goods and services. With this contract solidified (on and off chain): they create 4000 CIC (called locally X1 chama tokens) and 2000 (50%) of those tokens go to the liquidity providers (who contributed reserve and commitments) and 2000 go to voted on community projects with designated account holders that pay for things like communal farming and elderly care.

    -
    -Setup: A community group or chama puts in $1000 USD worth of digital asset into a reserve – which I’ll often call a collateral fund. The same community also commits to accepting (aka redeeming) 4,000 tokens 1:1 with 1$ USD for their goods and services. With this contract solidified (on and off chain): they create 4000 CIC (called locally X1 chama tokens) and 2000 (50%) of those tokens go to the liquidity providers (who contributed reserve and commitments) and 2000 go to voted on community projects with designated account holders that pay for things like communal farming and elderly care.
    -

    Setup: A community group or chama puts in $1000 USD worth of digital asset into a reserve – which I’ll often call a collateral fund. The same community also commits to accepting (aka redeeming) 4,000 tokens 1:1 with 1$ USD for their goods and services. With this contract solidified (on and off chain): they create 4000 CIC (called locally X1 chama tokens) and 2000 (50%) of those tokens go to the liquidity providers (who contributed reserve and commitments) and 2000 go to voted on community projects with designated account holders that pay for things like communal farming and elderly care.

    -
    -Setup: A community group or chama puts in $1000 USD worth of digital asset into a reserve – which I’ll often call a collateral fund. The same community also commits to accepting (aka redeeming) 4,000 tokens 1:1 with 1$ USD for their goods and services. With this contract solidified (on and off chain): they create 4000 CIC (called locally X1 chama tokens) and 2000 (50%) of those tokens go to the liquidity providers (who contributed reserve and commitments) and 2000 go to voted on community projects with designated account holders that pay for things like communal farming and elderly care.
    -

    Setup: A community group or chama puts in $1000 USD worth of digital asset into a reserve – which I’ll often call a collateral fund. The same community also commits to accepting (aka redeeming) 4,000 tokens 1:1 with 1$ USD for their goods and services. With this contract solidified (on and off chain): they create 4000 CIC (called locally X1 chama tokens) and 2000 (50%) of those tokens go to the liquidity providers (who contributed reserve and commitments) and 2000 go to voted on community projects with designated account holders that pay for things like communal farming and elderly care.

    -
    -Trade: The CIC issuers here (a group of women running local businesses) trade with eachother to buy from eachother, they can also cash out (liquidate) their CIC for Kenyan Shillings – this will lower the excahnge value each time. The issuers are responsible to accept back as much as they use/spend- (a.k.a keeping a zero or neutral trade balance).
    -

    Trade: The CIC issuers here (a group of women running local businesses) trade with eachother to buy from eachother, they can also cash out (liquidate) their CIC for Kenyan Shillings – this will lower the excahnge value each time. The issuers are responsible to accept back as much as they use/spend- (a.k.a keeping a zero or neutral trade balance).

    -

    Other community members not part of the creation process may choose to work or sell goods for the CICs. By the end of the year the community fund of the CIC should be depleted. That means people in the community have done work for the commons and been rewarded fairly for it - they can then use these tokens to buy from eachother or committed goods and services from the issuers or liquidate their tojkens to pull out collateral.

    -
    -Other community members not part of the creation process may choose to work or sell goods for the CICs. By the end of the year the community fund of the CIC should be depleted. That means people in the community have done work for the commons and been rewarded fairly for it - they can then use these tokens to buy from eachother or committed goods and services from the issuers or liquidate their tojkens to pull out collateral.
    -

    Other community members not part of the creation process may choose to work or sell goods for the CICs. By the end of the year the community fund of the CIC should be depleted. That means people in the community have done work for the commons and been rewarded fairly for it - they can then use these tokens to buy from eachother or committed goods and services from the issuers or liquidate their tojkens to pull out collateral.

    -

    .... And impotantly, now that the year is over the Chama needs to reCommon and clear debts and choose new community projects and governance. How can this bedone with a CIC?

    -
    -.... And impotantly, now that the year is over the Chama needs to reCommon and clear debts and choose new community projects and governance. How can this bedone with a CIC?
    -

    .... And impotantly, now that the year is over the Chama needs to reCommon and clear debts and choose new community projects and governance. How can this bedone with a CIC?

    -
    -.... And impotantly, now that the year is over the Chama needs to reCommon and clear debts and choose new community projects and governance. How can this bedone with a CIC?
    -

    .... And impotantly, now that the year is over the Chama needs to reCommon and clear debts and choose new community projects and governance. How can this bedone with a CIC?

    -
    -Cycle: Given the flexibility of smart contract protocols the chama can choose to reCommon the CIC by pooling their CIC back together and pulling out the reserve. They then put this reserve into a new CIC (called locally X2 chama tokens). Again say ~$1,000 dollars is in the X2 token chama reserve and they again commit to accepting $4,000 worth of goods and services for these tokens (pegging them to the national currency). Of these 4,000 X2 tokens that are created, 50% are again distributed to the contributing chama members and 50% is for this years community projects.
    -

    Cycle: Given the flexibility of smart contract protocols the chama can choose to reCommon the CIC by pooling their CIC back together and pulling out the reserve. They then put this reserve into a new CIC (called locally X2 chama tokens). Again say ~$1,000 dollars is in the X2 token chama reserve and they again commit to accepting $4,000 worth of goods and services for these tokens (pegging them to the national currency). Of these 4,000 X2 tokens that are created, 50% are again distributed to the contributing chama members and 50% is for this years community projects.

    -
    -Cycle: Given the flexibility of smart contract protocols the chama can choose to reCommon the CIC by pooling their CIC back together and pulling out the reserve. They then put this reserve into a new CIC (called locally X2 chama tokens). Again say ~$1,000 dollars is in the X2 token chama reserve and they again commit to accepting $4,000 worth of goods and services for these tokens (pegging them to the national currency). Of these 4,000 X2 tokens that are created, 50% are again distributed to the contributing chama members and 50% is for this years community projects.
    -

    Cycle: Given the flexibility of smart contract protocols the chama can choose to reCommon the CIC by pooling their CIC back together and pulling out the reserve. They then put this reserve into a new CIC (called locally X2 chama tokens). Again say ~$1,000 dollars is in the X2 token chama reserve and they again commit to accepting $4,000 worth of goods and services for these tokens (pegging them to the national currency). Of these 4,000 X2 tokens that are created, 50% are again distributed to the contributing chama members and 50% is for this years community projects.

    +

    Setup: A community group or chama puts in $1000 USD worth of digital asset into a reserve – which I’ll often call a collateral fund. The same community also commits to accepting (aka redeeming) 4,000 tokens 1:1 with 1$ USD for their goods and services. With this contract solidified (on and off chain): they create 4000 CIC (called locally X1 chama tokens) and 2000 (50%) of those tokens go to the liquidity providers (who contributed reserve and commitments) and 2000 go to voted on community projects with designated account holders that pay for things like communal farming and elderly care.

    +

    Trade: The CIC issuers here (a group of women running local businesses) trade with eachother to buy from eachother, they can also cash out (liquidate) their CIC for Kenyan Shillings – this will lower the excahnge value each time. The issuers are responsible to accept back as much as they use/spend- (a.k.a keeping a zero or neutral trade balance).

    +

    Other community members not part of the creation process may choose to work or sell goods for the CICs. By the end of the year the community fund of the CIC should be depleted. That means people in the community have done work for the commons and been rewarded fairly for it - they can then use these tokens to buy from eachother or committed goods and services from the issuers or liquidate their tojkens to pull out collateral.

    +

    .... And impotantly, now that the year is over the Chama needs to reCommon and clear debts and choose new community projects and governance. How can this bedone with a CIC?

    +

    Cycle: Given the flexibility of smart contract protocols the chama can choose to reCommon the CIC by pooling their CIC back together and pulling out the reserve. They then put this reserve into a new CIC (called locally X2 chama tokens). Again say ~$1,000 dollars is in the X2 token chama reserve and they again commit to accepting $4,000 worth of goods and services for these tokens (pegging them to the national currency). Of these 4,000 X2 tokens that are created, 50% are again distributed to the contributing chama members and 50% is for this years community projects.

    This combined with the typical yearly chama cycle on debt and governance rebooting creates a virtuous reCommoning cycle.

    -
    -Issues: -* How are commitments and trade balance for the CIC issuers maintained? Since the system is on a public ledger the address of who has spent all their CIC but not accepted any back – is public knowledge. -* What about the X1 tokens that are not liquidated? What happens as X1 and X2 tokens co-exist? This is similar in a way to forking code. X1 and X2 though are by definition able to connect and trade with each other. X1 has the possibility to re-absorb the reserve behind X2 just as X2 has the ability to pull the reserve out of X1. This could form into a natural balance – such as with 2 villages near each other both creating Y1 and X1.
    +

    Issues:

    +
      +
    • How are commitments and trade balance for the CIC issuers maintained? Since the system is on a public ledger the address of who has spent all their CIC but not accepted any back – is public knowledge.
      • +
    • What about the X1 tokens that are not liquidated? What happens as X1 and X2 tokens co-exist? This is similar in a way to forking code. X1 and X2 though are by definition able to connect and trade with each other. X1 has the possibility to re-absorb the reserve behind X2 just as X2 has the ability to pull the reserve out of X1. This could form into a natural balance – such as with 2 villages near each other both creating Y1 and X1.
      • +

    Since any chama can make another CIC out of an existing CIC (including their own). The eco-system of these currencies is extremely potent in its potential to create a patchwork of resilent decentralized economic systems.

    -

    Note that practically in our (USSD mobile phone based – no internet needed) wallet we encourage users to have auto-convert on- such that they choose their home token – which will be the one that any incoming CIC will be (auto) converted to. Hence users can at anytime choose which CIC they wish to be holding.

    -
    -Note that practically in our (USSD mobile phone based – no internet needed) wallet we encourage users to have auto-convert on- such that they choose their home token – which will be the one that any incoming CIC will be (auto) converted to. Hence users can at anytime choose which CIC they wish to be holding.
    -

    Note that practically in our (USSD mobile phone based – no internet needed) wallet we encourage users to have auto-convert on- such that they choose their home token – which will be the one that any incoming CIC will be (auto) converted to. Hence users can at anytime choose which CIC they wish to be holding.

    +

    Note that practically in our (USSD mobile phone based – no internet needed) wallet we encourage users to have auto-convert on- such that they choose their home token – which will be the one that any incoming CIC will be (auto) converted to. Hence users can at anytime choose which CIC they wish to be holding.

    This is such a rich field - I should also mention there is a HUGE variable space here on building Decentralized Autonomous Organizations (DAOs) for voting systems, commitement contracts, CIC creation, cycles etc, as well as variations to the bonding curve equations.

    -
    -What do you think? +

    What do you think? * On the idea of having micro-economies with connected corresponding micro-currencies created in this way, and having a natural life cycle? * Is this truley a mutual credit among the creators? Can anyone choose to take part in it in the 1st or second or 3rd cycles? * Is this a good, efficent, equitable, practial way to connect community currencies? * What other reserves or baskets of reserves could communites hold for their CICs? -These are a few of the many questions we are trying to find out together. Join us.

    +These are a few of the many questions we are trying to find out together. Join us.

    Contact us: info(@)grassecon.org

    Or visit us on Telegram: https://t.me/CICBlockchain

    diff --git a/output/recycling-debt.html b/output/recycling-debt.html new file mode 100644 index 0000000..591561f --- /dev/null +++ b/output/recycling-debt.html @@ -0,0 +1,152 @@ + + + + grassroots-pelican - Recycling Debt (Kusaga Deni, Kubali Sarafu) + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Recycling Debt (Kusaga Deni, Kubali Sarafu) +

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    Imagine having to endure constant reminders and threatening messages from predatory lenders your entire life.

    +

    Imagine going out of business because you’ve loaned out too many of your products to people in need.

    +

    This is daily life here in Kenya

    +

    Debtors suffer: People are taking on debts from payment apps, banks, shops, friends and family at a break-neck speed, because they see no other option. This is why we have millions Kenyans listed as loan defaulters by the Central Bank of Kenya (CBK) and increasing suicide rates of debtors.

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    Lenders suffer: Not all lenders are predatory. When small businesses lend out their products they often never get paid back. They end up holding the debts of so many friends, family, neighbors that they go out of business. How much debt are you willing to hold for a friend, family, neighbor, colleague, acquaintance until they pay you back?

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    This situation creates what is known as economic gridlock (see video), strife and a culture that doesn’t care for each other. Frankly speaking, I believe we’ve been rendered unable to pay our debts by so many broken systems - we simply can’t solve this problem with the current national economic system which condones and profits off of it.

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    As a woman in her thirties and a single mother by choice, I’ve endured poverty because my urgency for money makes me vulnerable to borrowing - but I would have never thought I would have found help from the Red Cross. I always thought the Kenya Red Cross Society helped with disasters only - but it turns, out they are helping fix the disaster of our economy as well, by building a public free infrastructure for sharing our collective value called Community Inclusion Currencies (Sarafu in Kenya). Sarafu is a community driven basic income that helps individuals and small businesses achieve a debt recycling lifestyle - ending economic gridlock. Call Kenya Red Cross toll free 0800-720-577 to learn more.

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    The fact is 2020 was a tough year! We discovered how to incorporate hunger into our food diet in order to achieve our dreams. After the debt streak most of us have suffered, are we still willing to come together to help each other escape the debt gridlock and the “rat race”?

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    Recycle Debt - accepting and using community driven basic income is a solution we can all get behind. Sarafu are created for each and every Kenyan that registers using any phone by dialing x384x96# Safaricom with no charges or x483x46# on other networks.

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    Lenders are Heroes: When someone comes to you asking for a loan of money or product, ask them for Sarafu in return. Ensure that you hold a level that does not affect your business’ or personal financial flow and before you accept anymore, seek out your friends, families and debtors to help you spend it. This protects lenders form accruing too much debt and gives them away to spend their debt (kusaga deni).

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    Debtors support Lenders: Rather than keep asking for loans you can create your own Sarafu, which will help you purchase goods and services when you’re short of cash. Reach out to people that are generously holding Sarafu for work and accept it for your work and spend it among a network of your peers like is the case with Kilifi Kulture

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    Kusaga deni, kubali Sarafu! Refusing our old notion of debt and accepting the use of a basic income (Sarafu) is a viable solution in promoting circular trade to help the economy thrive. It’s quite easy to see a useful tool when you need it.

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    As someone who has suffered from financial depression, I maintained a routine that gave me the strength to face my peers. Not many are strong enough to do so, and those are the people whose hands we need to hold. If you’re willing to share your strength with those around you, then you’re a hero.

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    Contact us to join a group of economic heroes in Kenya.

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    + Red Cross CIC Pilot Survey - Mukuru Kenya +

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    After several years of Community Inclusion Currencies (CICs) being used independently in post Red Cross and WFP intervention sites and a year of planning, Red Cross began to actively pilot the use of CICs in urban livelihoods programs in March 2020- which quickly turned into an improvised COVID response system. By May 2020 a Red Cross field survey was undertaken to understand the huge increase of CIC transaction data coming in.

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    Red Cross small group training session.

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    The CIC implementation methodology included: (1) a disbursement of Sarafu (CIC) tokens to individuals and community groups in the urban settlement through training carried out by volunteer Community Based Disaster Response Teams. (2) Additional Sarafu distributed based on economic data. (3) Purchase of Sarafu using Mpesa from selected community groups and vendors. (4) Further training was given to community groups such that they may be able to create and use their own CIC in the future (this transition is planned for November 2020).

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    The general theory was that residents need a medium of exchange to support and trade with each other - especially when National Currency is getting more and more scarce. By distributing Sarafu and triggering additional Sarafu injections based on economic data - circulation via local trade and consumption can be incentivized and aid funds can be better targeted to multiply impacts.

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    The survey was carried out by Red Cross staff and volunteers:

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    • Date of Analysis: 25th to 30th May 2020
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    • Area of survey: Mukuru Kayaba (Pop. 83,000) (Pop of Sarafu users 4000)
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    • Number of respondent: Female 391, Male 228 Total: 619
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    • Goal: To understand the impact of Sarafu and give qualitative understanding of the statistics for users.
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    Brief Analysis:

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    Notably the survey shows significant increases of commerce, food consumption, impact on income, access to clean water, toilets, soap, clinics & medicine. On the negative side some users found it harder to restock their items, and found that merchants would inflate prices when accepting CIC.

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    Looking beyond the survey done in May - from transaction and demographic data we can look back at the year so far as follows:

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    The above graph shows the trade volume and number of transactions daily for 2020. The peak of transactions occurred in April coinciding with the Red Cross pilot in Mukuru as well as COVID reactions starting. Peaks in enrollments (bottom orange lines) coincide with Red Cross (CBDRT) enrollment drives. Surprisingly the general shape in terms of volume and number of transactions has been fairly steady despite a moratorium on expansion at this pilot stage.

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    Note that while less than half of CIC users in Kenya are in Mukuru / Nairobi - similar increases in rural areas outside Nairobi are also seen - likely due to COVID awareness. Although the percentage of users in Mukuru is small comared to all of Kenya their trade number have been by far the highest - likely due to Red Cross' CBDRT involvement in helping teach users how to trade with one another for mutual aid.

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    The impact in Nairobi's Mukuru settlement so far is impressive and represents roughly three quarters of the total usage in Kenya: In Mukuru, we've seen 110,425,747 Sarafu traded between 7,678 users in 143,133 transactions on a blockchain. If equated to Kenyan Shillings in value, we have witnessed over $1,016,682 USD worth of trade of basic goods and services among vulnerable populations - at a time when the economy has been stagnate. This is based on a distribution of 4,745,211 Sarafu (~$43,688 USD) to vulnerable people in the area - seeing this entire amount changing hands so far ~23 times on average and categorized by gender, products and locations has given us a huge amount of insight into the nature and fragility of various markets.

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    Typical Shop accepting the Sarafu CIC

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    The next pilot stage, where community groups create their own CICs will be a return to where we were last November when groups were assisted to create their own currencies. For technical reasons we had to replace all the previous CICs with their reserve - a single CIC called Sarafu, which will again be used as a reserve for further CICs in the upcoming months.

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    While we continue to understand the long term impacts and sustainability in Mukuru and other areas, Red Cross is further expected to run a pilot in a new area to try and improve on these results. Should they be reproducible and sustainable we hope to see similar programs rolled out wherever Red Cross is dealing with crisis response and recovery. We're very excited!

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    "Community Currencies have enabled food insecure communities to sustainably feed themselves post Red Cross support" - Mwanamuna Swale

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    Grassroots Economics has had the pleasure of working with Mwanamuna for the last 8 years across the Kinango sub-county. Red Cross had been engaged in a food insecurity relief program that involved paying groups of farmers to collectively farm in a Cash Transfer Program. For years Mwanamuna trained these groups of over 4000 farmers in the area and saw increased harvests and communal support.

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    While this program brought people together and provided years of needed food support, when the program funding from WFP began to run out Red Cross' ability to pay these farmers was coming to and end. They saw the need for a transition toward community self-financing and the communities led the way. One Mwanamuna's farming groups, the Miyani FDP (Food Distribution Point) Group began to adopt a method that was going on elsewhere on the coast of Kenya.

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    They created their own Community Currency.

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    Using a cooperative maize mill as focal point they began to issue vouchers for maize milling to community members to pay for the collective farming work. These vouchers began to circulate more and more while being accepted at more and more shops, schools, salons and so on, until they began to act as a community currency.

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    In late 2018 they replaced their paper vouchers for a feature phone based system that enabled their community currency to spread to the 20 neighboring villages!

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    Today there are over 2000 users in the Kinango area using community currencies to trade with eachother for their basic needs. Users like Kwekwe (see photo), who runs her family business selling chapatis and the okra that her husband grows on their family land. National and community currency that she does not spend on basic needs is saved in the weekly chama (savings group) meetings.

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    + Red Cross brings Community Currency to Kisauni +

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    Below are a compilation of Community Inclusion Currency (CIC) user stories from Grassroots Economics Field Support Engineers (Emmanuel Mbui, Amina Godana, Janet Akinyi and Joyce Kamau) supporting and working with Red Cross volunteers and community groups. Implementation with Red Cross volunteers led by Bahero Mohamed through door to door awareness raising and street theater began in January 2021. The following case studies are taken from the week of April 23rd 2021 and their successes continue to ripple out across the region. While Kisauni is only a small part of Kenya; through word-of-mouth over 50,000 households and small businesses in vulnerable areas have registered to be part of the Sarafu Network since 2020 and have traded roughly 3 Million USD of goods and services among each other using a blockchain ledger - on simple phones without the need for internet.

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    By Emmanuel Mbui

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    Economic imbalance, insecurity, dependency and luck of money are the challenges experienced by most people in Kisauni. Thanks to Red Cross, partnering with Grassroots economics foundation for introducing CICs, Community Inclusion Currency (locally Sarafu or 'currency' in Kisawhili); a medium of exchange that builds trust and unites members of a community. Sarafu helps people pool the locally available resources and provides a fair space for exchange within the community.

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    In Kenya, Mombasa County, Kisauni sub county, in Manyani village, we find Jackton Mwema (pictured above), a tailor in his community. Jackton spends most of his time mending other people clothes. By doing this, he is able to support his family from the little cash he gets. Like any other member in his community, Jackton is not an exception to economic trauma which is why he joined the Sarafu network. He is now linked to other members of Sarafu within the community who have other goods or services (Fresh water, vegetables, shops) to offer to one another.

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    Jackton at his place of work in Manyani village accepts payment in sarafu for the service that he provides, which he latter spends it to buy other goods and services from other members in the community.

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    Jackton is not the only one who benefits from Sarafu, in the same village of Manyani, we meet another beneficiary. Victoria Kylo. The owner of a small Duka (shop) in the village, she joined the network and accepts a small percentage of the payment in Sarafu. Victoria is in the same trading circle with Jackton and other members. Victoria uses her Sarafu to buy mboga(vegetables) and services like repairing her clothes from Jackton and to buy cold water from their neighbor.

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    The two have also manage to invite other people in by explaining how Sarafu works, giving a testimonial example through themselves. Now their trading group has four active members.

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    Due to Covid 19 Pandemic and its effects on the economy at large, most of the people have not been able to cater for their basic needs. The ones greatly affected being the vulnerable in the community. A ray of hope was brought upon these communities with the introduction of Community Inclusion Currencies which helps them get their basic needs and has also helped them in minimizing debt collection which was a great challenge to them. Here are some testimonials from different users in different locations.

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    By Amina Godana

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    Mshomoroni Area in Mjambere Ward: Its an area where the local economy is not that sustainable this is because most of the young and able youths have engaged themselves in illegal activities such as theft and high level of insecurity in the area. This is due to financial trauma. This has however begun to change with the introduction of community inclusion currencies since anyone can accept and use Sarafu even when they do not have a business. He/she can offer services in the community and be paid with CIC and later spend on other business.

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    Here are some testimonials of users who have benefited with the usage of sarafu in the area.

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    Mwanahamisi Kiti: A mother of three who sells Samaki (fish) by the road side is very grateful for the introduction of Sarafu to her business she says she can now get the daily needs this is because there is an increase in customers to her business and the sarafu she gets she can comfortably buy charcoal from Patricia Munyaka who is her immediate neighbor. (She also spends her sarafu to buy groceries from Irene Matoke and buy Utensils from Suleiman Mohammed.)

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    Patricia Munyaka (pictured above): She is the bread winner of her family has a small Makaa (charcoal) business which she says the sales have increased when she embraces the sarafu concept. She further explains how she has reduced debt holding in her business which was a major challenge to her but now she accepts sarafu instead of debts. This has greatly helped her business in terms of restocking. She uses her sarafu to buy fish from Mwanahamisi Kiti and also accepts sarafu from her and also buys groceries from Irene Matoke.

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    Irene Matoke (pictured above): She runs a grocery kiosk she was introduced to the system by Mwanahamisi Kiti who shared her success story with her. Upon hearing this she was excited and joined the network with no hesitations since she was a witness on how sarafu has helped her friend Mwanahamisi. She buys fish from Mwanahamisi and sells her grocery to her and also spends her sarafu to buy charcoal from Patricia.

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    Suleiman Mohammed (not pictured) where he sells Malimali (utensils and other stuff) he depends on that business to put food on the table he is delighted to be a member of sarafu since he can get his basic needs. He buys Fish from Mwanahamisi and she in turn buys utensils from him.

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    By Janet Otieno Akinyi

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    SARAFU CHANGING LIVES! Imagine being evicted from your house because of an accumulated rent arrears together with your 5 children. This is the sad story of Fatuma Mzee, a 35 year old residing in Mjambere, Kisauni, Mombasa Kenya of Sarafu.

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    “My husband lost his work in 2016 and that pushed us to the toughest experiences ever in our lives. We struggled through different casual works just to put up with the bills-rent, fees,food,water and electricity. Life became even harder when our landlord could not tolerate us anymore, who would put up with 6 months arrears anyway? We were evicted! +My family decided to look for a smaller house. It is then that we moved to Mjambere. I have been here for 7 months. I started my Juice, Ice and Ice Cubes business. Through Sarafu I was able to provide at least one meal a day for my family. +In mid February 2021, I was lucky and overjoyed to know about Sarafu as it was introduced to my community. Through Sarafu, I have been able to unite with my neighbors, I’ve gained trust with them and this has enabled me to form my network of trade. I can easily get my basic needs from my network and the sales in my business have also increased. I’m grateful to Sarafu and I’m looking forward to referring more people to Sarafu so that I can grow my network.” Fatuma narrated.

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    Among the users in Fatuma’s network are:

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    • Ezline Chepkemboi: Ezline sells locally made detergents-jik,liquid soap and washing powders. Fatuma is no longer worried about her laundry since Ezline has her sorted. Ezline is also glad that she can get cold drinking water from Fatuma whenever the sun gets unbearably hot.
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    • Celly Jerotich: who just joined Fatuma’s network is so excited about the concept. A widow and a mother to 2 adorable daughters runs her grocery shop just adjacent to Fatuma’s place. Fatuma therefore has her grocery needs sorted and Celly is also glad to be receiving juice and detergents from Ezline and Fatuma.
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    • Rose Karimi: runs a small shop where she sells flour,rice,sugar,salt,cooking oil among other products. Talking to her about Sarafu,she was optimistic and happy that it was introduced to them. She stated that Sarafu has made it easier for them to get their basic needs. Karimi being in Fatuma’s network, is sure of getting products from other small vendors around her as she also allows them to buy from her in Sarafu.
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    • Linet Saru: is a new addition to Fatuma’s network. A single mother of two narrated that Sarafu will help her cub poverty as she feels more empowered to grow her local economy through her network. Linet is a fish vendor and she’s glad to have joined Fatuma’s network since they will all gain from one another using Sarafu.
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    I find it amazing how community inclusion currency (Sarafu) can support and sustain the long-term resilience of the marginalized communities like Mjambere! The initiative delivered to Kisauni by Kenya Red Cross Society,Danish Red Cross and Grassroots Economics Foundation has impacted Kisauni residence in a positive way as it has not only strengthened and supported the vulnerable households but also created unity within the community.

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    By Joyce Kamau

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    Mjambere is a community within Kisauni sublocation whose population includes people from the grassroots. When the pandemic struck most people from the community were already struggling to put food on the table. This is an example of vulnerable communities which live from hand to mouth.

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    Most people from this community are small business people who own small shops, Grocery kiosk, fishermen, food vending, casuals etc. Due to lack of consistency flow on Kenya shillings, some people struggle to get sell their goods, find work or get basic needs and hence end up being in debts. Covid-19 pandemic has made lives incredibly difficult all over the world with dwellers of Mjambere in Kisauni being no exception.

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    Execution of Sarafu network by Grassroots economy in conjunction with Kenya Red Cross in Kisauni community for the first time has been well received- it being a tool for trading where Kenyan shillings is lacking/not enough. Through Monthly statistics,its evident that sarafu has been circulating among users in transacting goods and services which has so far is creating a healthy and sustainable community in the face of economic crisis.

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    Below are examples of success stories from a group of users who form a good trading loop amongst themselves;

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    Mathew Musyoka a resident of Mjambere community is a middle aged man who runs a Chemist .

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    With the surge of Covid 19, Musyoka has been willing to accept Sarafu for Surgical Masks from the community as a way of preventing the spread of Covid-19 and to help people save Ksh for other amenities. His daily limit on how much Sarafu he will accept for Masks is unlimited since he will still have some more stock even after selling some with KSH and made enough profit to enable him restock. This is his corporate social responsibility for his community. He also accepts Sarafu for over the counter medicines.

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    Mathew has also benefited by buying goods from other vendors like Esther Mutua who sells ground nuts and baked potatoes commonly knows as Viazi Karai.

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    Christine is a food vendor from Mathew’s network and whose son at one point got sick and She was able to get some OTC medicine from Mathew’s chemist. Christine on the other hand is supporting the community by accepting Sarafu for her chapati.

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    Abdallah’s family comprises of seven members and their source of income solely depends on daily sales from their family grocery kiosk. He is greatful with the introduction of community currency now that he can meet other basic needs for the family while using his trade networks among Christine and Mathew.

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    Zaiwabu Moraa a grocer lady located a few meters from Mathew’s chemist is also connected to this active network and has supported her network by accepting sarafu for groceries and fries.

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    Luvuno Kiti a fish monger is also been connecting with Zaiwabu trading fish to groceries using sarafu this two are immediate neighbors. She has been happy to accept 50 sarafu on a daily basis from other users and later spend to to buy groceries from Zaiwabu and Mahamri (triangle bread) from her other neighbor who operates a hotel.

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    These small businesses are good examples of how people build trust amongst themselves, help others in the community while using a form of local credit (Community Inclusion Currency) to grow their economy and meet their basic need. Community based currency traders from this village have been successful in meeting their daily needs as well as getting more customers .

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    Kwekwe can now feed her family and take part in communal activities post Red Cross Cash Transfer Programming even when there are little Kenyan Shillings and ongoing insecure conditions.

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    +We're so proud to support this community driven development!
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    We're so proud to support this community driven development!

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    #RedCross #Kenya #Cash #CashTransferProgram #CTP #WFP

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    #RedCross #Kenya #Cash #CashTransferProgram #CTP #WFP

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    #RedCross #Kenya #Cash #CashTransferProgram #CTP #WFP

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    #RedCross #Kenya #Cash #CashTransferProgram #CTP #WFP

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    #RedCross #Kenya #Cash #CashTransferProgram #CTP #WFP

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    +#RedCross
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    #RedCross

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    #Kenya

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    #Cash

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    #CashTransferProgram

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    #CTP

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    #WFP

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    Short description of FHE community based organization.

    dear sir/madam

    Greetings, I'm MARCELIN MUNGA PETRO a Congolese by nationality being recognized under UNHCR as a refugee in side kakuma refugee camp.

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    + Refugee Inclusive Community Currencies (RICCs) +

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    Responding to Refugee Crisis

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    This is the current and biggest humanitarian global crisis in our lifetimes and we all need to play a part.

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    "We are now witnessing the highest levels of displacement on record. An unprecedented 70.8 million people around the world have been forced from home. Among them are nearly 25.9 million refugees, over half of whom are under the age of 18. There are also millions of stateless people who have been denied a nationality and access to basic rights such as education, healthcare, employment and freedom of movement.In a world where nearly 1 person is forcibly displaced every two seconds as a result of conflict or persecution" - UNHCR

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    Our dream is supporting social and economic inclusion of refugees worldwide by developing and enabling Refugee Inclusive Community Currencies (RICCs). With this hope Grassroots Economics has partnered with Red Cross and Bancor on a plan to apply Community Currency systems in such humanitarian crisis. This plan was jointly submitted to GSMA and Department for International Development (DFID) as part of the 3rd round of their results based financing grant pool. This new financial infrastructure bridges credit gaps, empowers micro-entrepreneurs in low income communities and refugee camps to establish their own financial independence, and builds thriving regional economies.

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    A short description of the program and technology can be found here:

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    • Donations and Cash Transfer funds the initial reserve for the creation of RICCs tokens
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    • Red Cross, together with Grassroots Economics, works with a local community to ensure buy-in and understanding and trains local ambassadors who train users and distribute RICCs for local barter trade among regional communities.
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    • Local circulation of RICCs among and between communities enables economic development and integration while gathering evidence for those who should receive additional aid.
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    • KYC’ed users are able to convert RICCs to eMoney and the aid pool can be refilled through local and international support and investment.
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    Previous Success with Grassroots Economics and Red Cross working to end Chronic Need:

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    Grassroots Economics came in at the tail end of a Cash For Work program in (Red Cross Kwale-Kenya and WFP). We were invited into the existing Red Cross organized and trained group in Miyani Village and empowered them with the ability to create their own voucher system with the goal of continuing the Red Cross communal farming efforts. The vouchers (Miyani-Pesa) have enabled the community to pay their members to do the communal farming work in the same manner as Red Cross - and the community accepts the vouchers back in many locations (such as maize milling) - creating local circulation and economic development (going back to an economy that thrived over a hundred years in their culture pre-colonization). In the area around Miyani there are currently close to 2000 users of the Vouchers (now blockchain Tokens with the Bancor Protocol) trading roughly 500,000 Kenyan shillings a month for basic food security and other needs. The Miyani FDP (Food Distribution Point). Due to this work the Miyani Group that Red Cross developed and trained to do Cash For Work is the only one remaining in the entire county still doing their communal activities due.

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    #refugee #redcross #refugeecrisis

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    The 17th of December 2020, I visited Syntropic Agroforestry demo plots with Wilfred Chibwara in Kwale which are utilizing community currency to support setup and maintenance and will be redeemed for food as harvest begin. Thanks to initial trainings by Roland van Reenen they have come a long way from when they started. Special thanks to Mwanaidi Ibrahim, Naduwa Mwero and Jacob Mwatumbi for all their hard work! Here are my observations and recommendations:

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    The 17th of December 2020, I visited Syntropic Agroforestry demo plots with Wilfred Chibwara in Kwale which are utilizing community currency to support setup and maintenance and will be redeemed for food as harvest begin. Thanks to initial trainings by Roland van Reenen they have come a long way from when they started. Special thanks to Mwanaidi Ibrahim, Naduwa Mwero and Jacob Mwatumbi for all their hard work! Here are my observations and recommendations:

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    The 17th of December 2020, I visited Syntropic Agroforestry demo plots with Wilfred Chibwara in Kwale which are utilizing community currency to support setup and maintenance and will be redeemed for food as harvest begin. Thanks to initial trainings by Roland van Reenen they have come a long way from when they started. Special thanks to Mwanaidi Ibrahim, Naduwa Mwero and Jacob Mwatumbi for all their hard work! Here are my observations and recommendations:

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    -Roland started Visit to Miyani Syntropic Agroforestry Farm.
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    The 17th of December 2020, I visited Syntropic Agroforestry demo plots with Wilfred Chibwara in Kwale which are utilizing community currency to support setup and maintenance and will be redeemed for food as harvest begin. Thanks to initial trainings by Roland they have come a long way from when they started. Special thanks to Mwanaidi Ibrahim, Naduwa Mwero and Jacob Mwatumbi for all their hard work! Here are my observations and recommendations:

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    Visit to Miyani Syntropic Agroforestry Farm.

    In the first demo plot, besides the trees, bananas, and casava different crops were planted including maize, cucumber and okra. Currently, maize has matured and will be harvested soon! It is looking much better than nearby mono-cropped farms which we hope will soon adopt the technique. Cucumber and okra will also start producing in the coming weeks. A few more crops are now being planted including kale and capsicum but the planting is very sparse.

    After maize is harvested, all the maize stalks should be used for mulching the beds. When harvesting maize ensure that the root mass of the maize remains intact in the soil. (Don't uproot it!). Only chop the upper part of the maize stalks and let the roots remain and decompose in the soil.

    Another tall crop such as sunflower should be planted to replace the maize. Sunflower is drought resistant hence can survive with little water in the dry season. After 3 months, during the onset of the long rains in March/April. The sunflower will be ready to be harvested, seeds dried and used as food (roasted sunflower seeds or used as chicken feeds). Sunflower stalks can be chopped and dropped as mulch therefore enriching the soil.

    Recommendations.

    -
      -
    • Ensure that the soil is completely covered with thick mulch. This can be any type of plant matter be it grass, weeds and tree leaves. Cover the entire bed, on top and the sides. Secondly, mulch all the paths with logs and tree branches. Mulching will help preserve water in the soil and keep off weeds. Additionally, when the mulch decomposes it will add into the soil organic matter.
      • -
    • Start planting a living hedge around the demo plots. This will act as a windbreak and a sunscreen to reduce the intensity of the sun. The plot is highly exposed to the elements and would result in slow growth of crops.
      • -
    • Plant intensively and diverse crops in every space. Currently, only a few crops have been planted. These crops are also sparsely planted. This is not efficient use of space and water. Fill up all the empty spaces with different crops such as nitrogen fixers e.g cow peas (kunde) and pigeon peas (mbaazi), insect repellents such as dhania and lemon grass to keep away pests, flowering crops to attract pollinators and pest predators and increase the the number of biomass crops. These include vetiver grass, moringa, nappier grass and tithonia. This will ensure that there's continuous production of biomass which will be used to cover and build the soil.
      • +
    • Ensure that the soil is completely covered with thick mulch. This can be any type of plant matter be it grass, weeds and tree leaves. Cover the entire bed, on top and the sides. Secondly, mulch all the paths with logs and tree branches. Mulching will help preserve water in the soil and keep off weeds. Additionally, when the mulch decomposes it will add into the soil organic matter.
      • +
    • Start planting a living hedge around the demo plots. This will act as a windbreak and a sunscreen to reduce the intensity of the sun. The plot is highly exposed to the elements and would result in slow growth of crops.
      • +
    • Plant intensively and diverse crops in every space. Currently, only a few crops have been planted. These crops are also sparsely planted. This is not efficient use of space and water. Fill up all the empty spaces with different crops such as nitrogen fixers e.g cow peas (kunde) and pigeon peas (mbaazi), insect repellents such as dhania and lemon grass to keep away pests, flowering crops to attract pollinators and pest predators and increase the the number of biomass crops. These include vetiver grass, moringa, nappier grass and tithonia. This will ensure that there's continuous production of biomass which will be used to cover and build the soil.
    -
    -

    It takes a while to get accustomed to how intensely one can plant when coming from the usual mono-crop farming - Kai Njeri

    -
    -Kai Njeri
    +

    It takes a while to get accustomed to how intensely one can plant when coming from the usual mono-crop farming - Kai Njeri

    In conclusion, the group has done a great job in starting up the projects. Seeing even this level of growth in a semi-arid environment that was classified as food-insecure is amazing. However, the groups will need support on the succession in the next round of crops and to continue monitoring. The motivation of the community given by accepting community currency will eventually be repaid with their ability to use it to purchase food from the farm. Motivation to continue maintaining the gardens is especially important during the first year of establishment. This is due to the fact that during the first year that's when most of the challenges crop up, such as pests and disease, crop failures and building of the soil.

    -
    -I look forward to supporting them through this journey!
    +

    I look forward to supporting them through this journey!

    Kind regards,

    James Thiong'o

    -
    -Permaculture Design, Organic Farming and Regenerative Agriculture Consultant
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    Permaculture Design, Organic Farming and Regenerative Agriculture Consultant

    diff --git a/output/registration-and.html b/output/registration-and.html index ae47fcd..8cd75f4 100644 --- a/output/registration-and.html +++ b/output/registration-and.html @@ -104,14 +104,6 @@

    This is one of dozens of groups around Kenya wanting to setup their own programs. So what is stopping them? The initial costs of printing bills with security features. With your help we can kick start these programs all over Kenya. Please consider supporting our campaign.

    Meet Rose Ouma!

    She’s a 49 year-old main provider for a household of 8, including 4 children. She was born in Suba, in Western Province of Kenya, but she moved from her home upcountry and now she lives in Ganahola, another one of the communities where we are hoping to spread complementary currencies.

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    Meet Rose Ouma!

    -

    She’s a 49 year-old main provider for a household of 8, including 4 children. She was born in Suba, in Western Province of Kenya, but she moved from her home upcountry and now she lives in Ganahola, another one of the communities where we are hoping to spread complementary currencies.

    -

    Meet Rose Ouma!

    -

    She’s a 49 year-old main provider for a household of 8, including 4 children. She was born in Suba, in Western Province of Kenya, but she moved from her home upcountry and now she lives in Ganahola, another one of the communities where we are hoping to spread complementary currencies.

    -

    Meet Rose Ouma!

    -

    She’s a 49 year-old main provider for a household of 8, including 4 children. She was born in Suba, in Western Province of Kenya, but she moved from her home upcountry and now she lives in Ganahola, another one of the communities where we are hoping to spread complementary currencies.

    -

    Meet Rose Ouma!

    -

    She’s a 49 year-old main provider for a household of 8, including 4 children. She was born in Suba, in Western Province of Kenya, but she moved from her home upcountry and now she lives in Ganahola, another one of the communities where we are hoping to spread complementary currencies.

    Rose supports her large family selling “omena” which are small (about the size of a pen cap) dried fish which are a very popular source of protein and iron, often whole eaten deep fried or stewed. She sells one kilogram of omena for less than $2. On good days, she sells around $11 worth of omena. On bad days, she might only have one customer, selling only $2 worth of omena. On those days, Rose doesn’t earn enough money to pay for her families basic needs and some of her stock may rot or be eaten by her family, reducing her earning potential in the future.

    It doesn’t have to be this way.

    Rose’s friends and neighbors want to buy her omena. It’s a popular protein staple. But during bad economic times, their businesses also suffer and they too don’t have the money to buy food from her for their families.

    diff --git a/output/retreat-and.html b/output/retreat-and.html index e72246e..f8fdf06 100644 --- a/output/retreat-and.html +++ b/output/retreat-and.html @@ -97,13 +97,10 @@
    - +

    September marked the first official renewal event for Bangla-Pesa after more than 2+ years in circulation (Starting in May 2013). The event featured the neighboring community's Ng'ombeni-Pesa, several local politicians, the Chief's office, children's choir, several schools and members. New Bangla-Pesa was printed in Germany (with the support of Stichting DOEN), with a new expiration date of December 2016.

    At the renewal event each active member could return up to 400 expired Bangla-Pesa to be exchanged Bangla-Pesa with new designs and dates. The sum of 400 minus the amount they exchange goes directly into the community fund, to award those members who were able to collect 400 before the event and top back up the community fund. Over 8,000 Bangla-Pesa was exchanged at the event and we expect much more over the next week. Also presented was a new user guide and a Business Directory for members of the network.

    Also in September was our first formal retreat/workshop with three Community Currency Trading Networks in Nairobi. The workshop had 30 attendees from the committees and key members and stakeholders from networks in Kibera (Lindi-Pesa), Kangemi (Kangemi-Pesa) and Kawangware (Gatina-Pesa) including Nyendo-lernen a program focused on schools in the area. The retreat covered:

    -

    Also in September was our first formal retreat/workshop with three Community Currency Trading Networks in Nairobi. The workshop had 30 attendees from the committees and key members and stakeholders from networks in Kibera (Lindi-Pesa), Kangemi (Kangemi-Pesa) and Kawangware (Gatina-Pesa) including Nyendo-lernen a program focused on schools in the area. The retreat covered:

    -

    Also in September was our first formal retreat/workshop with three Community Currency Trading Networks in Nairobi. The workshop had 30 attendees from the committees and key members and stakeholders from networks in Kibera (Lindi-Pesa), Kangemi (Kangemi-Pesa) and Kawangware (Gatina-Pesa) including Nyendo-lernen a program focused on schools in the area. The retreat covered:

    -
    • The current situation of Complementary and Community Currencies world wide
    • Strategies for new business creation including permaculture based school gardens.
      • @@ -114,7 +111,6 @@
    • Savings and Loan programs
    • Planning until the end of the year.
    -

    Thanks for our guest speakers Guida Santos, Tristan Dissaux, Robin Gerbaux and Irmgard Wutte.

    Finally we are happy to be in anticipation of our first school based food garden business model as part of the CC trading network. We hope this garden can feed more than 400 students and the community around them, and be something we can take to the over 20+ schools currently using Community Currency.

    diff --git a/output/roller-derby.html b/output/roller-derby.html index 2aaac4f..c52adf9 100644 --- a/output/roller-derby.html +++ b/output/roller-derby.html @@ -98,10 +98,6 @@

    Last Sunday marked the culmination of partnerships with an unexpected collection of people who came together to support the education and reproductive health of school-aged girls in Kenya. The Oklahoma City Outlaws Roller Derby team (http://www.okcbankedtrackrollerderby.com/), and the 501st Legion (http://www.501st.com/), a Star Wars fan club and charity/volunteer organization, can together for PANTY WARS.

    -

    Last Sunday marked the culmination of partnerships with an unexpected collection of people who came together to support the education and reproductive health of school-aged girls in Kenya. The Oklahoma City Outlaws Roller Derby team (http://www.okcbankedtrackrollerderby.com/), and the 501st Legion (http://www.501st.com/), a Star Wars fan club and charity/volunteer organization, can together for PANTY WARS.

    -

    Last Sunday marked the culmination of partnerships with an unexpected collection of people who came together to support the education and reproductive health of school-aged girls in Kenya. The Oklahoma City Outlaws Roller Derby team (http://www.okcbankedtrackrollerderby.com/), and the 501st Legion (http://www.501st.com/), a Star Wars fan club and charity/volunteer organization, can together for PANTY WARS.

    -
    -http://www.okcbankedtrackrollerderby.com/ http://www.501st.com/

    Panty Wars was a special roller derby bout dedicated to collecting panties and funds for school girls in Kenya. While many school girls receive sanitary pads through the Government of Kenya, poor and vulnerable girls frequently lack panties in which to place sanitary pads. As a result, they miss about a week of school each month during their periods (read more here link). Derby Girls and the Star Wars fans alike objected to this unnecessary barrier to girls’ education, and they decided to do something about it.

    On the side of the Oklahoma City Outlaws, each fan who came to the bout with a package of panties received $2 off their ticket. Otherwise, $2 from every ticket was donated to the Panty Project. The owner of the skate rink also pledged to double the money raised. During halftime, a video produced by the team at Koru-Kenya and the Roller Girls described this challenge to the life chances of girls and young women to the audience could fully understand the cause.

    The 501st joined these fundraising efforts months in advance, designing and marketing a collector’s patch featuring the cause and selling the patches online and at the bout. They brought a team of certified costumers playing roles form Darth Vader to Princess Leia with whom fans could interact and have pictures taken. They even brought an R2D2 unit, dressed in panties, who collected donations after the halftime video.

    diff --git a/output/rural-community.html b/output/rural-community.html index d87b610..4d16f4e 100644 --- a/output/rural-community.html +++ b/output/rural-community.html @@ -97,22 +97,13 @@
    -

    The Miyani area in Kenya has been identified by Red Cross and the World Food Program as food insecure for over 5 years. Red Cross along with WFP have been providing cash to the community and promoting agroforestry along with Green World Campaign. These programs have been wonderful but there has been little to no introduction of new businesses or jobs to really allow that cash to circulate in the community. Instead injections of cash into these areas quickly funnel back out of the area to do things like milling maize.

    + +

    The Miyani area in Kenya has been identified by Red Cross and the World Food Program as food insecure for over 5 years. Red Cross along with WFP have been providing cash to the community and promoting agroforestry along with Green World Campaign. These programs have been wonderful but there has been little to no introduction of new businesses or jobs to really allow that cash to circulate in the community. Instead injections of cash into these areas quickly funnel back out of the area to do things like milling maize.

    Grassroots Economics has another solution: Create local businesses in the area (like water distribution and maize milling) and issue a credit to the schools, small businesses and farmers in the area. Farmers will be issued a credit that can be used for school fees, milling their maize, sending their kids to day care, collecting water and so on. Backstopping this credit as collateral will be flour produced by a cooperative maize mill. Credit will flow in example from farmer to school fees. Schools will increase needed salaries for teachers who will buy maize flour. The maize mill will in turn use the credit to buy raw maize from the farmers and so on.

    This creates a virtuous cycle of trade, education and food production in a community that is both food and cash starved. This is Grassroots Economics' first venture in Kenya outside the slums and we are tremendously excited about the potential. Since the majority of slum dwellers have migrated from rural areas due to such insecurity, the ability to tackle these issues holistically in both urban and rural economies will truly put our community currencies to the test and change how development is done.

    Environmental Service Credits: In addition to creating a credit that moves through the community, profits from cooperatives businesses also support community currency as a reward for environmental services. in partnership with Green World Campaign we reward students that plant and tend to indegenious trees and also farming groups that promote water conservation and agroforesty. This creates not only a sustainable market economy also importantly a green one.

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    #communitycurrencies #foodsecurity #miyani

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    #communitycurrencies #foodsecurity #miyani

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    -#communitycurrencies
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    #communitycurrencies

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    -#foodsecurity
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    #foodsecurity

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    -#miyani
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    #miyani

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    #communitycurrencies #foodsecurity #miyani

    diff --git a/output/rural-miyani-pesa.html b/output/rural-miyani-pesa.html index 96d4f4a..0062e91 100644 --- a/output/rural-miyani-pesa.html +++ b/output/rural-miyani-pesa.html @@ -97,25 +97,12 @@
    -

    Today we launched our first rural community currency! The event went well to initiate and train the first 20 members and set up a local market day.

    + +

    Today we launched our first rural community currency! The event went well to initiate and train the first 20 members and set up a local market day.

    Our first cooperative maize milling factory has been set up as backing for a rural community currency which will start circulation in the following months. The factory mills local maize and issues vouchers for its flour. The vouchers are issued for environmental service work managed by Green World Campaign and as a mutual-credit to hundreds of local businesses, farmers, schools and clinics. The community has also set up their first local weekly market as a hub for trade. We're really excited about this first rural community currency!

    The initial capital and effort to get the maize mill going came from our sponsors and the local community. The community currency is backed by the inventory of the maize mill as a last resort as well as the goods and services of the farmers, shops and schools in the area. We expect a community currency in rural areas like Miyani to fully circulate on a weekly basis. This is slower than in Urban areas because the circulation is focused on weekly markets and less on daily spending. We expect significant increases in local employment in the next year as well as incomes. Program management and growth in program is supported by the maize milling operation. As sales grow, there is reinvestment into the mill and the sales will grow to neighboring communities. This is a tool for the Miyani community to build is resilience over the next decade.

    Environmental Service Credits: In addition to creating a credit that moves through the community, profits from cooperative businesses also support community currency as a reward for environmental services. In partnership with Green World Campaign, we reward students who plant and tend to indigenous trees and also farming groups that promote water conservation and agroforesty. This creates not only a sustainable market economy, but also importantly a green one. Environmental services by Green World Campaign include agroforestry, environmental education and water catchment. Community members taking part in those services, like tree planting, can then use the vouchers in the community and the cycle continues.

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    #rural #maizebacked #miyani #communitycurrencies

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    #rural #maizebacked #miyani #communitycurrencies

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    #rural #maizebacked #miyani #communitycurrencies

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    -#rural
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    #rural

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    -#maizebacked
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    #maizebacked

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    -#miyani
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    #miyani

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    -#communitycurrencies
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    #communitycurrencies

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    #rural #maizebacked #miyani #communitycurrencies

    diff --git a/output/rural-sarafu.html b/output/rural-sarafu.html index 7cbfd72..bd8e3de 100644 --- a/output/rural-sarafu.html +++ b/output/rural-sarafu.html @@ -110,15 +110,12 @@
    - +

    Rosemary Owino is a widow from Siaya village in Siaya County. She has wanted desperately to curb her own poverty and make ends meet for the 6 children that are under her care. She started a fish business where she buys fish, smokes or fries them and sells to the people in her community under a tree in their local market - but because Kenyan Shillings are so scarce there are few people to buy her fish.

    She was able to join a women's group (chama) called Kwe Kende - A group that trades and supports each other using Sarafu (a Community Inclusion Currency (CIC) which is created and traded on a blockchain using simple feature phones with no internet). Through this chama, Rosemary has been able to find support within the network and she has been able to sell her fish in both Sarafu and Kenyan Shillings.

    -

    Rosemary cites that Sarafu has created possibility for sustainable living within her community. Through Sarafu, her fish sales have increased and she has been able to save the Kenyan Shillings that she then uses to pay her children's school fee. She has also been able to meet her needs through getting other goods like: flour, tomatoes, vegetables, water and charcoal among other goods from the Sarafu users in her network.

    +

    Rosemary cites that Sarafu has created possibility for sustainable living within her community. Through Sarafu, her fish sales have increased and she has been able to save the Kenyan Shillings that she then uses to pay her children's school fee. She has also been able to meet her needs through getting other goods like: flour, tomatoes, vegetables, water and charcoal among other goods from the Sarafu users in her network.

    Rosemary is grateful to use Sarafu and says "It helps me practice the sharing our pastors preach in church". She is hopeful that through the use of Sarafu, her business will continue to thrive and be of great impact to the people in her community.

    -

    Overall the Sarafu Network of CIC users in Kenya is comprised primarily of 40,000 users in both urban and rural areas. Roughly 50% of the network is rural and has traded over 100Million Sarafu tokens this year (valued locally at roughly 1 Million USD of goods and services) between each other to offer basic support and trade goods and services. The majority of the trade is for contributions to chamas and church groups, food stuffs, farming and other labor. In October 2020 rural users traded over 8Million Sarafu among each other for food stuffs alone.

    -

    Overall the Sarafu Network of CIC users in Kenya is comprised primarily of 40,000 users in both urban and rural areas. Roughly 50% of the network is rural and has traded over 100Million Sarafu tokens this year (valued locally at roughly 1 Million USD of goods and services) between each other to offer basic support and trade goods and services. The majority of the trade is for contributions to chamas and church groups, food stuffs, farming and other labor. In October 2020 rural users traded over 8Million Sarafu among each other for food stuffs alone.

    -
    -Sarafu Network
    +

    Overall the Sarafu Network of CIC users in Kenya is comprised primarily of 40,000 users in both urban and rural areas. Roughly 50% of the network is rural and has traded over 100Million Sarafu tokens this year (valued locally at roughly 1 Million USD of goods and services) between each other to offer basic support and trade goods and services. The majority of the trade is for contributions to chamas and church groups, food stuffs, farming and other labor. In October 2020 rural users traded over 8Million Sarafu among each other for food stuffs alone.

    The economic outlook in rural Kenya is not good right now; as less and less Kenyan Shillings reach rural areas markets have began to collapse. CICs like Sarafu help keep markets moving and communities together.

    Special thanks to Emma Onyango - one of the founding members of Bangla-Pesa - who came out to Siaya to teach this Rosemary and her chama how they can support themselves with community currency.

    diff --git a/output/rural-villages.html b/output/rural-villages.html index 4fbd76e..a5b141f 100644 --- a/output/rural-villages.html +++ b/output/rural-villages.html @@ -98,27 +98,13 @@

    Communities can support each other and keep vital food systems and trade alive using a blockchain based vouchers system (Community Inclusion Currencies) accessible on any feature phone (no internet required). 12,000 Users have signed up across Kenya to help strengthen their local communities. Community groups (chamas) in Kenya are being supported by Red Cross and other donors like DOEN to convert their Sarafu to Kenyan Shillings. Aid can be provided with Sarafu directly to those who need it. Please call 0757628885 in Kenya to enroll or find out more.

    - +

    Tsuma Njirai is a cereal seller at Makobeni village has been selling cow peas and Green grams with Sarafu to the community. Since the government gave out the directive that people should not accept paper money she has been selling her cereals purely with Sarafu to help those without Kyenuan Shillings to access the commodity. She has drastically increased sales in her community by over 80%.

    Jowa Omari has a barber shop in Vikolani village. He has been accepting Sarafu anytime someone comes to shave his head. Because of the pandemic, he is aware that most people are doing self quarantine hence he has decided to accept more Sarafu in his business of which he will later use the Sarafu to purchase goods from the same clients and also contribute to a community support group.

    Omar Katana is a tailor from Katundani Village. She has been accepting Sarafu in her business for 50% of purchases but now that people are at home with no cash, she has agreed to take 100% Sarafu to help those who have no ksh to pay for the service offered. She also sells cloth material both in Ksh and Sarafu at the end of the month she contributes Sarafu to a local chama (savings group).

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    #foodsecurity #covid19 #coronavirus #rural

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    #foodsecurity #covid19 #coronavirus #rural

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    #foodsecurity #covid19 #coronavirus #rural

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    -#foodsecurity
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    #foodsecurity

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    #covid19

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    #coronavirus

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    #rural

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    #foodsecurity #covid19 #rural

    diff --git a/output/sarafu-cooperative.html b/output/sarafu-cooperative.html index 7a51700..a45bc54 100644 --- a/output/sarafu-cooperative.html +++ b/output/sarafu-cooperative.html @@ -99,7 +99,7 @@

    We are very happy to announce that today, for the first time in our organizational history, the community currency members of the Nairobi programs registered themselves as a cooperative: The Sarafu Cooperative.

    We started these 3 groups back in 2015 in Kibera, Kangemi and Kawangware, and we are very proud to see that they have successfully come together to form a powerful cooperative which will preside over 2 wholesale markets and 3 community currency networks.

    - +

    Today was their first official meeting and the handing over of their registration certificate. We look forward to continue to capacity build them and support them throughout this process. It is extremely exciting to see cooperatives utilizing community currencies for economic resilience, sustainability, marketing, regional development, food security and community cohesion!

    diff --git a/output/sarafu-credit-takes.html b/output/sarafu-credit-takes.html index bc1bb91..36f003a 100644 --- a/output/sarafu-credit-takes.html +++ b/output/sarafu-credit-takes.html @@ -97,16 +97,11 @@
    -

    We began the year by looking at our successes and challenges with five Kenyan community currencies in 2015. Out of this came the Sarafu-Credit model which focuses heavily on credit-clearing. Grassroots Economics is doing a lot behind the scenes to prepare for rolling out Sarafu-Credit over 2016 and will be explaining the process more as it takes shape over the next few months.

    + +

    We began the year by looking at our successes and challenges with five Kenyan community currencies in 2015. Out of this came the Sarafu-Credit model which focuses heavily on credit-clearing. Grassroots Economics is doing a lot behind the scenes to prepare for rolling out Sarafu-Credit over 2016 and will be explaining the process more as it takes shape over the next few months.

    Gatina-Pesa was the first community currency to pilot the new Sarafu-Credit credit-clearing meetings after their monthly market day. We're happy to be seeing a strong emphasis on balancing community currency accounts with increasing membership and acceptance.

    Permaculture Gardens in the schools of Bangladesh's Bangla-Pesa program near Mombasa are starting to sprout. The students are learning about agroforestry, soil conservation and nutrition, and the local businesses are excited to have a source of local produce. We've just installed a rain water catchment system which will help in providing a more continuous water supply.

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    #permaculture #communitycurrencies

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    -#permaculture
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    #permaculture

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    #communitycurrencies

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    #permaculture #communitycurrencies

    diff --git a/output/sarafu-network.html b/output/sarafu-network.html index daeae01..ff7314b 100644 --- a/output/sarafu-network.html +++ b/output/sarafu-network.html @@ -98,35 +98,34 @@

    This year started off intense then became insane starting in April and through it all the Grassroots Economics team, community groups and partners managed to do some amazing work to pull communities together to support each other during crisis.

    -
    -` <http://dashboard.sarafu.network>`_
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    http://dashboard.sarafu.network

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    We've reached nearly 90Million worth (~900,000 USD) of Community Inclusion Currency trading between 30,0000 users in Kenya for basic needs in over 300,000 Transactions on a blockchain. When combined with aid distribution and donor support we have seen over $1 Million USD worth of trade on the Sarafu Network in Kenya in 74 different locations/villages. This growth has been via word of mouth - no advertising! Below you can see the break down of spending in different areas.

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    While most Sarafu users are in rural areas such as Kwale, there has been a huge focus by the Red Cross in piloting in Mukuru since April (an informall settlement in Nairobi) and the results there speak for themselves with over 60Million Sarafu (~600,000 USD) traded among people trying to support eachother during Covid times. The cost of these programs is a very small fraction (roughly a 17X multiplier) of the impacts we are seeking and as they become more and more self-sustainable through village created CICs we expect this multiplier to just keep increasing. It's amazing!

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    -While most Sarafu users are in rural areas such as Kwale, there has been a huge focus by the Red Cross in piloting in Mukuru since April (an informall settlement in Nairobi) and the results there speak for themselves with over 60Million Sarafu (~600,000 USD) traded among people trying to support eachother during Covid times. The cost of these programs is a very small fraction (roughly a 17X multiplier) of the impacts we are seeking and as they become more and more self-sustainable through village created CICs we expect this multiplier to just keep increasing. It's amazing! -What's Going on!
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    While most Sarafu users are in rural areas such as Kwale, there has been a huge focus by the Red Cross in piloting in Mukuru since April (an informall settlement in Nairobi) and the results there speak for themselves with over 60Million Sarafu (~600,000 USD) traded among people trying to support eachother during Covid times. The cost of these programs is a very small fraction (roughly a 17X multiplier) of the impacts we are seeking and as they become more and more self-sustainable through village created CICs we expect this multiplier to just keep increasing. It's amazing!

    +

    What's Going on!

    The Sarafu token (CIC) was meant to be a short term solution. We merged 11 Community Currencies last year into the Sarafu token in order to move to a different set of software with the goal of open up communities to create their own tokens by February this year.... but we got delayed in terms of software development. Then Covid hit and we started distributing more and more Sarafu to the many many more people who wanted to using it to form barter networks.

    Right now we are working hard to enable these community groups shown above to create their own CIC. They will convert the Sarafu they have now and the reserve will go into their own tokens. See the training video to the left. We have a strong field and phone support team that is making this happen together with Kenya Red Cross.

    Economies around the world are in a state of shock, and collapse. Already fragile communities are really suffering already. Thank goodness there was a good harvest in Kenya this season - but it won't last long. We hope these tools will provide a public infrastructure that helps communities weather this crisis and thrive but the work needs a lot of support.

    -
    -What's Next? -* We are making steps from Proof of Concept to supporting communities across Kenya and continuing to develop open source tools for communities around the world. -* As the groups collect their Sarafu this month and next inorder to create their own CICs we expect Sarafu trade to drop then multiple CIC trade to start in September/October. Excited to see the Sarafu token converted / liquidated and its reserve used as the seed (collateral pool) for over 40 CICs by the end of this year. -* On the tech side we are extremely excited about bloxberg.org and looking at bridging all kinds of potential reserve tokens like XCHF. -bloxberg.org XCHF * Expanding on and helping the greater world in understanding the basic Potluck model of CIC creation as it is used in Kenyan villages and potentially far beyond. -Potluck What we need! -* Programmers! See our GitLab. (also some good links there for training materials) -GitLab * Research and data analysis to understand more about how CICs are being used and how they can be used / created better. -* Simulation and Modeling for these systems in different areas. -Modeling * Community, faith based and business networks that want to create sustainable supply chains and food security. -* Funding! We are only able to build these systems if we can support our team. -* Direct Community Support - You, Donors and Impact investors can give directly to people in dire need either through CICs or via Mpesa right to their telephone in Kenya. -* Contact us to get more involved! -Contact us to get more involved! * Visit us on Telegram for discussions -Visit us on Telegram
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    What's Next?

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      +
    • We are making steps from Proof of Concept to supporting communities across Kenya and continuing to develop open source tools for communities around the world.
      • +
    • As the groups collect their Sarafu this month and next inorder to create their own CICs we expect Sarafu trade to drop then multiple CIC trade to start in September/October. Excited to see the Sarafu token converted / liquidated and its reserve used as the seed (collateral pool) for over 40 CICs by the end of this year.
      • +
    • On the tech side we are extremely excited about bloxberg.org and looking at bridging all kinds of potential reserve tokens like XCHF.
      • +
    • Expanding on and helping the greater world in understanding the basic Potluck model of CIC creation as it is used in Kenyan villages and potentially far beyond.
      • +
    +

    What we need!

    +
      +
    • Programmers! See our GitLab. (also some good links there for training materials)
      • +
    • Research and data analysis to understand more about how CICs are being used and how they can be used / created better.
      • +
    • Simulation and Modeling for these systems in different areas.
      • +
    • Community, faith based and business networks that want to create sustainable supply chains and food security.
      • +
    • Funding! We are only able to build these systems if we can support our team.
      • +
    • Direct Community Support - You, Donors and Impact investors can give directly to people in dire need either through CICs or via Mpesa right to their telephone in Kenya.
      • +
    • Contact us to get more involved! to get more involved!
      • +
    • Visit us on Visit us on Telegram for discussions
      • +
    diff --git a/output/school-fees.html b/output/school-fees.html index eb05f23..bca8595 100644 --- a/output/school-fees.html +++ b/output/school-fees.html @@ -99,14 +99,8 @@

    July has seen the Bangla-Pesa program surpass 200 accepting businesses and the introduction of three primary schools into the mutual-credit exchange. Teachers and headmasters have been guaranteed by other members and registered as part of the trading network. Parents can pay for part of their various school fees with Bangla-Pesa which helps increase the salaries of underpaid teachers. Teachers then use the Bangla-Pesa in the community for goods and services of other participating businesses. Bangla-Pesa circulates in the community and eventually ends up back in the hand of parents who can use it for schools fees again.

    This way parents can pay for part of their childrens' education with their own goods and services, especially when they are lacking in Kenyan Shillings. Generally schools allow parents to bring in as a little as 5 Bangla-Pesa per day to assist in lacking fees. School fees represent one of the largest uses of money for people in the community, so their acceptance of Bangla-Pesa is a strong boost for the local economy by allowing trade (in this case the purchase of education) to happen even when times are bad. Often parents aren't able to pay fees and their children get chased away from school or end up with a lot of debt. Bangla-Pesa allows parents to pay a small amount of Bangla-Pesa a day to make up for what they are lacking. The teachers are getting more than they were before, and chasing away less kids. A few more recent photos can be found here of a carpenter, building materials, salon and many more.

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    #schoolfees #bangla

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    -#schoolfees
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    #schoolfees

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    #bangla

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    #schoolfees #bangla

    diff --git a/output/self-funded-regenerative.html b/output/self-funded-regenerative.html new file mode 100644 index 0000000..40215d4 --- /dev/null +++ b/output/self-funded-regenerative.html @@ -0,0 +1,177 @@ + + + + grassroots-pelican - Self-Funded Regenerative Agriculture Kwale Site January Visit + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Self-Funded Regenerative Agriculture Kwale Site January Visit +

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    Based on the design found in the Kwale Sites the above poster was created by W.Ruddick

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    On 11th January 2021, I visited Miyani Demo Plot to monitor the progress made a month later after my visit in December. It had rained the previous day therefore crops looked healthy while the temperature was cool. For the past one month, maize had already been harvested and maize stalks used to mulch on the beds. Some vegetables such as capsicum/sweet pepper had been planted in the mid rows of the beds. In the nursery a variety of indigenous vegetables including amaranth and night shade were sprouting and will be ready for transplanting in a few weeks.

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    The garden is slowly transforming from a mono-crop of maize, to a food forest with fruit trees, cassava and moringa now over a meter high. Despite the long dry season having started a month ago, the garden still has a huge potential to continue producing vegetables for the community in the coming months.

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    However, a few challenges exist including pests and disease. Aphids have attacked okra in their thousands, while caterpillars have attacked kale. As I had earlier predicted, this was bound to happen during the first to second year before the whole ecosystem matures to be able to regulate its own pests and disease.

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    +

    Topics covered.

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    1. Planting succession.

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    I emphasized on the need for planting in succession. After harvesting of any crop, another crop should be planted immediately to maximize on space, sunlight and water.

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    Factors to consider when planting.

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    a). The height of the crop when mature.

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    b). The space that the crop occupies upon maturity.

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    c). The time the crop takes before it matures and is harvested.

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    Use of local, organic and indigenous seeds is encouraged. These seeds are adapted to the environment and are more resilient to pests, disease and drought. I encouraged the community to look for their indigenous seeds, multiply them and start a community seed bank.

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    2. Mulching.

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    Mulching should be done on the beds and paths. Mulching helps in conserving moisture, keeping off weeds and helps in adding of soil organic matter when it decomposes. It should be done continously especially before planting.

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    Various plant matter can be used including grasses, weeds and crop residues. We used maize residues to completely mulch on the footpaths. This should continue at all times ensuring that every square centimetre of the soil is completely covered.

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    3. Organic Pest Control.

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    +
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    • We covered Integrated Pest Management which is a holistic method for solving pest and disease problems.
      • +
    • Using Biological methods by creating habitats for beneficial insects and organisms, growing diverse crops and planting repellents such as onions, lemon grass and chillies.
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    • We also covered making plant biological pesticides using locally available plants such as chilli, garlic and neem. This needs to be applied sparingly as it also affects beneficial insects. It should only be used as the last solution.
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    • Using mechanical methods such as handpicking caterpillars and using water pressure on aphids.
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    Next steps to take.

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    • Increase plant species diversity.
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    • Continue mulching on the paths and beds.
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    • Plant more intensively on the beds occupy all the growing space.
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    • Keep pest population low, continuously check on pest and disease on the crops and act immediately.
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    • Plant a living hedge of biomass plants such as senna, moringa, pigeon peas, lemon grass and vetiver around the plot. This will not only act as a wild break but also a sun screen, pests barrier and source of biomass for mulching.
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    • Carry out soil test to determine and document improvements made in soil organic matter.
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    The progress made is phenomenal and I believe with continuous support, this community will gain knowledge and skills in Syntropic Agroforestry, have access to nutritious food and act as change agents in the community and beyond by spreading Community Inclusion Currency as a self-funding mechanism .

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    + + + + \ No newline at end of file diff --git a/output/shrimp-fishing.html b/output/shrimp-fishing.html index 4197d28..d2482b4 100644 --- a/output/shrimp-fishing.html +++ b/output/shrimp-fishing.html @@ -97,30 +97,13 @@
    - +

    Resilient circular economies start with connecting productive capacity to local resources.

    Local fishermen pay for their children’s school fees by selling their shrimp to a cooperative with a freezer for storage. Women buy the shrimp from the cooperative to feed their families and to sell to local schools for lunch.

    What if this flow of resources didn't depend on access to scares Kenyan Shillings? What if people could establish a mutual credit that would continue to stay in the community even in the worst market conditions, political crisis, natural disasters?

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    Communities in rural areas near Mombasa are doing just that. They join a network of local businesses and receive a free credit of 400 Tokens (soft-peg to National currency). Once various loops of trade (like above fishing->storage->cooking->school fees->fishing) are decoupled from scare or volatile Kenyan Shillings we are seeing a lot more is possible in developing local resilient economies. The ability for community members to support one another in times of need begins to grow - reaching back to a time before the introduction National Currencies when community members would take turns working on each others fields and fixing each others houses.

    -
    -Communities in rural areas near Mombasa are doing just that. They join a network of local businesses and receive a free credit of 400 Tokens (soft-peg to National currency). Once various loops of trade (like above fishing->storage->cooking->school fees->fishing) are decoupled from scare or volatile Kenyan Shillings we are seeing a lot more is possible in developing local resilient economies. The ability for community members to support one another in times of need begins to grow - reaching back to a time before the introduction National Currencies when community members would take turns working on each others fields and fixing each others houses.
    -

    Communities in rural areas near Mombasa are doing just that. They join a network of local businesses and receive a free credit of 400 Tokens (soft-peg to National currency). Once various loops of trade (like above fishing->storage->cooking->school fees->fishing) are decoupled from scare or volatile Kenyan Shillings we are seeing a lot more is possible in developing local resilient economies. The ability for community members to support one another in times of need begins to grow - reaching back to a time before the introduction National Currencies when community members would take turns working on each others fields and fixing each others houses.

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    Communities in rural areas near Mombasa are doing just that. They join a network of local businesses and receive a free credit of 400 Tokens (soft-peg to National currency). Once various loops of trade (like above fishing->storage->cooking->school fees->fishing) are decoupled from scare or volatile Kenyan Shillings we are seeing a lot more is possible in developing local resilient economies. The ability for community members to support one another in times of need begins to grow - reaching back to a time before the introduction National Currencies when community members would take turns working on each others fields and fixing each others houses.

    What is perhaps most exciting right now is the usage of Community Currencies in Savings and Lending groups ... coming soon.

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    #fishing #economics #Miyani #Mombasa

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    #fishing #economics #Miyani #Mombasa

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    #fishing #economics #Miyani #Mombasa

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    -#fishing
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    #fishing

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    -#economics
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    #economics

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    -#Miyani
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    #Miyani

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    -#Mombasa
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    #Mombasa

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    #fishing #economics #Miyani #Mombasa

    diff --git a/output/skylife-school.html b/output/skylife-school.html index da9cbbc..4d85502 100644 --- a/output/skylife-school.html +++ b/output/skylife-school.html @@ -97,7 +97,7 @@
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    Grassroots Economics works with communities across Kenya to develop systems that allow parents to pay for their children's education using their goods and services and when money is scarce. Community group develop cooperative businesses, who's vouchers act as a medium of exchange in the community. These vouchers (which we call Community Currency) provide for stable trade even when national currency drains out of the region due to slow months (external market volatility). Parents can get a small school credit by accepting Community Currency in their business. Parents and students can also take part in community service work, like tree planting and elderly care for Community Currency.

    The Skylife school is located in Gatina 56 Kawangware, Nairobi. It is one the most active schools in the Gatina network. The head teacher Mrs. Susan Lukobo is one of the most active members since the community currency commenced in Gatina the year 2014. The school has employed 9 teaching staff members and one being a non-teaching staff, with more than 300 students attending. The school being an active user of community currency has enabled students to acquire education without hustles. Children with different backgrounds and up-bringing from the surrounding area have been able to increase their attendance. Using community currency for their tuition fees has made it possible for them to acquire more knowledge and skills.

    Once the school accepts it, community currency is used for paying teachers as part of their monthly salaries in advance and the teachers, in exchange, use it to purchase goods and services from hundreds of other members registered or operating within the business network. Members of the network (GBO) who have children attending schools like Skylife have had an opportunity and an added advantage to involve their children in the education program by using community currency to pay school fees.

    diff --git a/output/smep-oiko-credit.html b/output/smep-oiko-credit.html index 4ce3a0f..20239be 100644 --- a/output/smep-oiko-credit.html +++ b/output/smep-oiko-credit.html @@ -97,14 +97,12 @@
    - +

    SMEP a local OIKO-Credit partner is offering Loans and Training to Community Currency users in Kangemi and Kawangware. They have started with a group of women centered around the headmistress Veronica of Love School in the Congo Area of Kawangware, Nairobi. These women run a soap business called the Love Soap group which consists of 15 women. They are being trained and guided by Audrey from SMEP, on how to apply for loans to expand their business. The entire network using Community Currency is keen on following suit with their own businesses.

    Yesterday there were about 30 members from two different community currency trading groups (Gatina-Pesa and Kangemi-Pesa) present at the 1st major Loan financing meeting. The meeting generally went very well. Audrey, from SMEP, explained how the group loans work and members got to ask questions concerning the payback period as well as interest rates. Audrey took contacts of the already registered Groups/Chamas within the networks and shall be contacting them soon; an action that has made the rest of the business members want to get into groups as well - a good challenge.

    The kind of package SMEP is offering is indeed a group loan but being issued to an individual. The group therefore acts as a guarantor/backer for the loan. SMEP also has packages that issue loans to entire groups rather than individuals but these are usually bigger loans meant for larger projects such as purchasing land and buildings.

    In other news - Francis Wanjala reports: the Gatina Business Organization (GBO) has issued loans to 5 members using Community Currency (Gatina-Pesa) of roughly 30k. In their previous meeting the members started paying back the loans and the GBO has so far received Ksh.9500 in repayment, which is quite exciting. These members reported that the money has helped to boost stock.

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    -#kangemi
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    #kangemi

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    #kangemi

    diff --git a/output/smes-the.html b/output/smes-the.html index 7cef5bc..8bbb981 100644 --- a/output/smes-the.html +++ b/output/smes-the.html @@ -105,7 +105,7 @@
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    Clementina has a hair salon in an informal settlement on the outskirts of Nairobi’s industrial area. She has been accepting Sarafu for almost 5 years now. She’s the chairlady of the Shalom chama in Mukuru. She used to freely accept Sarafu for her hair salon services knowing she could go to the local wholesaler and trade in her Sarafu for hairpiece, hair products and even gas for her home.

    But there aren't many of these wholesalers that will accept Sarafu and those that do only accept as much as they can spend on local purchases - like at the hair salon. Where would these larger businesses take the thousands of Sarafu they would collect from the low income neighborhoods if they accepted too much?

    This has been the question that most Small and Medium sized Enterprises (SMEs) ask us when we try and onboard them. The existing networks of SMEs accepting Sarafu aren’t enough to facilitate the trade between them and act as a credit clearing system.

    diff --git a/output/social-entrepreneurship.html b/output/social-entrepreneurship.html new file mode 100644 index 0000000..13cfb8b --- /dev/null +++ b/output/social-entrepreneurship.html @@ -0,0 +1,149 @@ + + + + grassroots-pelican - Social Entrepreneurship through Blockchain Technology + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Social Entrepreneurship through Blockchain Technology +

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    Africa’s 2nd largest Social Entrepreneurship Conference was held at Tangaza University College in Nairobi. The two day conference Established in 2017, aimed to redefine the future of social enterprises in Kenya and Africa at large.

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    Grassroots Team at AACOSE in Tangaza University.

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    Themed Contextualizing and shaping social entrepreneurship in Africa, this conference attracted over 700 participants who included social entrepreneurs practitioners, policy makers, investors, community leaders and academicians across Africa.

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    Among'st them was Grassroots Economics; which launched the first community-currency in 2013 by the name Bangla Pesa used in Bangladesh community Mombasa County, Kenya. Bangla Pesa is one of the community-currencies, (CCs) under the Sarafu-Network, that Grassroots Economics introduced to support economically marginalized communities. This network creates an inclusive financial systems where users can readily access credit (without the burden of interest) and setup cost-effective trade networks.

    + +

    After establishing the gap existing between largely underutilized range of human and material resources in the poorest communities, Sarafu-Credit was wheeled to address food insecurity, chronic poverty, lack of labor/ investment, currency fluctuations and the volatility of the national market which are some of the SDGs envisioned for all countries by the UN by 2030.

    +

    This means of exchange provided the how-tos that enabled individuals, institutions like Sifa school in Kawangware, and whole societies to flourish in a world of rapid change. Sarafu-Credits used in different regions by these traders included Ngombeni Pesa in Mikindani, Lindi Pesa in Kibera, Kangemi Pesa in Kangemi, Gatina Pesa in Kawangware, and Bangla Pesa in Bangladesh-Mombasa.

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    To date, these CCCs have provided long term support to micro traders with over 1200 businesses, schools, farms and cooperatives showing over 25% increase in regional trade.

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    So far this economic system has empowered the “unbanked poor” by linking small traders’ profits with common resources through which they can connect to markets and access sustainable food systems.

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    Lucy Akinyi, a Sarafu-Credit (Lindi Pesa) user from Kibera.

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    AACOSE 2018( African Conference On Social Entrepreneurship) held from the 20th to the 21st of September, addressed themes like scaling up, innovation training for social entrepreneurship and coaching for investor readiness. This forum served as a platform that enabled social entrepreneurs to showcase proof of significant increases in regional economies, food security, trade, and environmental services throughout Africa. The conference comes days after the launch of a blockchain based Sarafu model, Bancor by Grassroots Economics.

    + +

    This world class system of impact assessment and evidence-based programming, is meant to inspire communities to create their own financial systems and structures that actually work for them, establishing independence rather than creating new dependencies. By decentralising the monetary system, Bancor will level the playing field creating a fair market, cost effective trade network not to mention debt-free credit system.

    +

    AACOSE forum which exists to support the growth and development of social enterprises across Africa, was a pedestal for Grassroots Economic amongst many other social enterprises to grow awareness and educate, creating the conditions for sector collaboration.

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    Aiming to create a shared value, high impact and lasting change in communities, the pioneer of Community currency in Kenya Will Ruddick alongside Emanuel Dominic the COO delivered the concept behind Sarafu-Token (digitized Sarafu-Credit) as a pitch to practitioners, investors and academicians showing scalability/sustainability of this Bancor wallet.

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    Having the crowd at hello, they exemplified this blockchain technology which will enable traders to use USSD to facilitate timely transactions across communities and reinforce transparency through the use of smart contracts.

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    And since these social enterprises need donor fund and sponsorships in order to achieve their goals and positively impact the community, this conference was successful in setting a movement for social entrepreneurs, bringing them together as a community of practice who share ambitions, diversity and purpose as the key ingredient all across Africa. Serving as a hub for investors, Grassroots Economics as a foundation was able to network with potential donors garnering interest and support required in their journey of establishing a benchmark for certification of currency designers in Kenya.

    +

    Want to participate, subscribe to our newsletter to never miss an update!

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    You can also drop us a comment on our social media pages, and don't forget to

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    click on the website www.grassrootseconomics.org to find out more on Sarafu-Credit.

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    + + + + \ No newline at end of file diff --git a/output/static-vs.html b/output/static-vs.html index 160467a..9b6e15b 100644 --- a/output/static-vs.html +++ b/output/static-vs.html @@ -110,11 +110,7 @@

    As communities create their Community Inclusion Currencies as a credit against their future production, projects and excess capacity, Grassroots Economics is looking at various ways to connect these tokens together and as well to other networks. Below I'll describe and contrast two approaches, namely a Fixed vs Algorithmic Rate liquidity pools. But before that I just want to give a simple overview of what a liquidity pool is.

    For the blockchain and #defi folks they are probably familiar with the Bonded Pool like you can find with Uniswap or in the Bancor Network, but lets start with its sibling the Static Pool - which simply is a contract holding 2 tokens that are exchangeable to each other.

    -

    For the blockchain and #defi folks they are probably familiar with the Bonded Pool like you can find with Uniswap or in the Bancor Network, but lets start with its sibling the Static Pool - which simply is a contract holding 2 tokens that are exchangeable to each other.

    -
    -#defi
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    #defi

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    In the fixed exchange rate or static pool above. A community creating a CIC can decide to add some of their CIC A token supply to a common pool along with some tokens from another community B. The pool contains A and B tokens.

    Someone holding A tokens pays some A tokens to someone holding B tokens, the pool accepts A tokens from A and gives B tokens to B. Now anyone can push in A tokens to that pool and get out B tokens with a 1:1 fixed exchange rate - that is, until there are no more Bs in the pool. At which point someone from community B would need to add some Bs to re-balance the pool before any more exchange is possible.

    This create a simple way for community A and B to trade with each other with a limited amount of tokens in the pool.

    @@ -126,15 +122,9 @@

    The table above gives a few ways to compare the types of liquidity pools. While the Bonded Pool allows for continuous liquidity and a market price stabilization effect, it also creates a variable exchange rate that is often hard to deal with for regular commerce. In the extreme case, where many A's have been converted to B (changing the rate) and one CIC A users sends 10 tokens to buy tomatoes and they turn into only one B token - the tomato seller could demand more tokens - but this is quite cumbersome.

    On the contrary with a Static Pool, one side of the pool could simply run out causing trade to stop until there is trade in the opposite direction. This could be equally frustrating for commerce and require the two communities come up with a regular method of trade balance or to allow for multiple non-exchangeable tokens co-existing in their wallets.

    -

    If communities connect their CICs to a basic income or network token like Sarafu in a 1:1 Static Pool - all such CICs would automatically be exchangeable 1:1 with each other. This is appealing because it creates a well defined common pool of tokens connected through a network token. This method combines the concept of a UBI with a credit system - described briefly here.

    -

    If communities connect their CICs to a basic income or network token like Sarafu in a 1:1 Static Pool - all such CICs would automatically be exchangeable 1:1 with each other. This is appealing because it creates a well defined common pool of tokens connected through a network token. This method combines the concept of a UBI with a credit system - described briefly here.

    -
    -here
    +

    If communities connect their CICs to a basic income or network token like Sarafu in a 1:1 Static Pool - all such CICs would automatically be exchangeable 1:1 with each other. This is appealing because it creates a well defined common pool of tokens connected through a network token. This method combines the concept of a UBI with a credit system - described briefly here.

    Also note that both types of pools could be used to connect a CIC with some other non-CIC token (like Eth or DAI) who's value might be fluctuating or unknown relative to the CICs - in this case having market supply and demand to establish that price over time might be preferable using a Bonded Pool. Note that many such pools can co-exist in the same network, connecting the same tokens. So connecting UBI and CICs on static pools while also connecting to non-CICs via bonded pools could allow for in-network 1:1 exchanges and variable/market rate exchanges against foreign tokens (e.g. Eth or stable coins).

    -

    We're excited to be building infrastructure - using the open source Bancor DEX contracts - that can accommodate an extremely diverse set of pools - creating really decentralized typologies for common pooling of Community Inclusion Currencies.

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    We're excited to be building infrastructure - using the open source Bancor DEX contracts - that can accommodate an extremely diverse set of pools - creating really decentralized typologies for common pooling of Community Inclusion Currencies.

    -
    -Bancor DEX contracts
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    We're excited to be building infrastructure - using the open source Bancor DEX contracts - that can accommodate an extremely diverse set of pools - creating really decentralized typologies for common pooling of Community Inclusion Currencies.

    diff --git a/output/strong-communities.html b/output/strong-communities.html index 1c2115d..ffa5605 100644 --- a/output/strong-communities.html +++ b/output/strong-communities.html @@ -109,56 +109,20 @@
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    I had the pleasure to visit Kwe Kende in Nyalgunga, Siaya County one of the strongest groups (chamas) in the Sarafu Network across Kenya, and discuss some key points on how they are going on with Community Inclusion Currency as individuals and also as a chama.

    In the afternoon we had a market session where members were able to sell and buy their goods in both Sarafu and Kenyan Shillings. This was my favorite part of the visit. Users had different commodities like: tomatoes,vegetables, bananas, fish, greengrams, millet, firewood, sugarcane, beans, onions, chapatis, ropes, brooms, among others. Most of these goods are locally available. and most users went back home with food and also had sales which allowed them to save some Kenyan Shillings. They were happy and satisfied.

    "Sarafu has really helped me, I look forward to chama days because I know that I'll get all the basic needs that I need without struggling. I'm also sure of selling my mboga and save some coins," said Mary Nyallum.

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    On Tuesday I met another session of the Kwe Kende Group in Siaya town. We had a short general meeting and also provided solutions to any questions and concerns that they had. Most of these users run small businesses like kiosks, hotels (kibanda), tailor shops, shoes, clothes among others. They are equally excited about Sarafu and are happy that Sarafu has been of great help to them in both their businesses and in providing for their basic needs. Read about one of the users here in more detail.

    -
    -On Tuesday I met another session of the Kwe Kende Group in Siaya town. We had a short general meeting and also provided solutions to any questions and concerns that they had. Most of these users run small businesses like kiosks, hotels (kibanda), tailor shops, shoes, clothes among others. They are equally excited about Sarafu and are happy that Sarafu has been of great help to them in both their businesses and in providing for their basic needs. Read about one of the users here in more detail. -On Tuesday I met another session of the Kwe Kende Group in Siaya town. We had a short general meeting and also provided solutions to any questions and concerns that they had. Most of these users run small businesses like kiosks, hotels (kibanda), tailor shops, shoes, clothes among others. They are equally excited about Sarafu and are happy that Sarafu has been of great help to them in both their businesses and in providing for their basic needs. Read about one of the users here in more detail.
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    On Tuesday I met another session of the Kwe Kende Group in Siaya town. We had a short general meeting and also provided solutions to any questions and concerns that they had. Most of these users run small businesses like kiosks, hotels (kibanda), tailor shops, shoes, clothes among others. They are equally excited about Sarafu and are happy that Sarafu has been of great help to them in both their businesses and in providing for their basic needs. Read about one of the users here in more detail.

    -
    -here
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    On Tuesday I met another session of the Kwe Kende Group in Siaya town. We had a short general meeting and also provided solutions to any questions and concerns that they had. Most of these users run small businesses like kiosks, hotels (kibanda), tailor shops, shoes, clothes among others. They are equally excited about Sarafu and are happy that Sarafu has been of great help to them in both their businesses and in providing for their basic needs. Read about one of the users here in more detail.

    Based on these discussions the group agreed that what makes Sarafu work for them:

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    -What works for Kwe Kende Group? -1. Market days: They hold 3 meetings in a week- Tuesday, Wednesday and Friday. This is to ensure that everyone (at least 186 families) attends at least one on their free days. During these meetings, they talk about how their week was with Sarafu and any problems that arose. They sell and buy from one another and also save in the chama and pay loans if any.
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    1. Market days: They hold 3 meetings in a week- Tuesday, Wednesday and Friday. This is to ensure that everyone (at least 186 families) attends at least one on their free days. During these meetings, they talk about how their week was with Sarafu and any problems that arose. They sell and buy from one another and also save in the chama and pay loans if any.

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      2. Prosumer Empowerment: They've empowered each other, in that everyone tries to come to the chama meetings with something to offer in goods or services. This way, they easily meet their needs without blaming anyone for buying and not selling using Sarafu. They encourage themselves to believe everyone has something to offer the community.

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    2. Prosumer Empowerment: They've empowered each other, in that everyone tries to come to the chama meetings with something to offer in goods or services. This way, they easily meet their needs without blaming anyone for buying and not selling using Sarafu. They encourage themselves to believe everyone has something to offer the community.

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      3. Community Projects: They've started a chicken rearing project and gardens that brings them together. They take care of them in turns and use Sarafu to pay for the upkeep. These capacity building and productive projects are an amazing anchor for CICs. Any group excess in food created by the group is distributed based on the amount of Sarafu that one receives in his/her business because it's these that they save in a week.

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    3. Community Projects: They've started a chicken rearing project and gardens that brings them together. They take care of them in turns and use Sarafu to pay for the upkeep. These capacity building and productive projects are an amazing anchor for CICs. Any group excess in food created by the group is distributed based on the amount of Sarafu that one receives in his/her business because it's these that they save in a week.

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      4. Leadership and Stewardship: The group officials are dedicated, especially the secretary Leah Aluoch who visits users randomly within the week. Leah stated that she has to visit users who miss the weekly meetings just to know if they have any issues and to encourage them. She has kept track of all her 186 members.

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    4. Leadership and Stewardship: The group officials are dedicated, especially the secretary Leah Aluoch who visits users randomly within the week. Leah stated that she has to visit users who miss the weekly meetings just to know if they have any issues and to encourage them. She has kept track of all her 186 members.

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      5. Unity: The members are from one community, they've trusted each other and they understand their strengths and embrace their weaknesses.

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    5. Unity: The members are from one community, they've trusted each other and they understand their strengths and embrace their weaknesses.

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      6. Loops and Cycles in a Circular Economy: They've created loops that allows them to receive all the things that they need within their network.

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    6. Loops and Cycles in a Circular Economy: They've created loops that allows them to receive all the things that they need within their network.

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      8. Fines and repercussions: The chama members incur a fine of Ksh.10 in case of lateness. They use the same for airtime to reach out to members during the week and to support those that can't genuinely use Sarafu. Also note that there is a small tax on CIC that is deducted (0.5%) of account balances that goes back out to active users.

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    1. Fines and repercussions: The chama members incur a fine of Ksh.10 in case of lateness. They use the same for airtime to reach out to members during the week and to support those that can't genuinely use Sarafu. Also note that there is a small tax on CIC that is deducted (0.5%) of account balances that goes back out to active users.
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    What works for Kwe Kende Group?

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    1. Market days: They hold 3 meetings in a week- Tuesday, Wednesday and Friday. This is to ensure that everyone (at least 186 families) attends at least one on their free days. During these meetings, they talk about how their week was with Sarafu and any problems that arose. They sell and buy from one another and also save in the chama and pay loans if any.

    +

    2. Prosumer Empowerment: They've empowered each other, in that everyone tries to come to the chama meetings with something to offer in goods or services. This way, they easily meet their needs without blaming anyone for buying and not selling using Sarafu. They encourage themselves to believe everyone has something to offer the community.

    +

    3. Community Projects: They've started a chicken rearing project and gardens that brings them together. They take care of them in turns and use Sarafu to pay for the upkeep. These capacity building and productive projects are an amazing anchor for CICs. Any group excess in food created by the group is distributed based on the amount of Sarafu that one receives in his/her business because it's these that they save in a week.

    +

    4. Leadership and Stewardship: The group officials are dedicated, especially the secretary Leah Aluoch who visits users randomly within the week. Leah stated that she has to visit users who miss the weekly meetings just to know if they have any issues and to encourage them. She has kept track of all her 186 members.

    +

    5. Unity: The members are from one community, they've trusted each other and they understand their strengths and embrace their weaknesses.

    +

    6. Loops and Cycles in a Circular Economy: They've created loops that allows them to receive all the things that they need within their network.

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    8. Fines and repercussions: The chama members incur a fine of Ksh.10 in case of lateness. They use the same for airtime to reach out to members during the week and to support those that can't genuinely use Sarafu. Also note that there is a small tax on CIC that is deducted (0.5%) of account balances that goes back out to active users.

    Elinor Ostrom I think would be proud at how this community has managed their credit commons. I was impressed by how they have ensured a way to support to one another and build strong bonds even as national currency dries up in the area. As humans, we are wired to collaborate, to coexist and to hold each other up and this is exactly what this group thrives to achieve each day. May we emulate them in different communities and may we become better.

    Thanks again to Emma Onyango one of the founders of Bangla-Pesa in Bangladesh (an informal settlement near Mombasa) who brought the Community Inclusion Currency concept to rural Siaya.

    diff --git a/output/super-market-super-currency.html b/output/super-market-super-currency.html index 1bf6a90..9be2f3f 100644 --- a/output/super-market-super-currency.html +++ b/output/super-market-super-currency.html @@ -97,19 +97,13 @@
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    Hundreds and hundreds of settlers in Nairobi's Kawangware informal settlement will soon benefit from access to low priced goods cooperativley stocked by the Gatina Business Organization (GBO) and sold in Community Currency. This supermarket will be one of a kind as it will allow customers to buy goods using both Kenyan Shillings and Sarafu-Credit.

    Members of GBO have had a series of meetings to deliberate ways in which they can start, manage and run a small supermarket to encourage the use of Sarafu-Credit as well as increase trade in their network. Customers will not only be able to buy goods here, but will also get a chance to clear their Sarafu-Credit debts and claims on a daily basis, and get information about joining the network. GBO has been in existence since Oct 2014 and has seen tremendous growth both in membership and number activities.

    By early 2015, the members of GBO had begun a savings and loans group which holds its meetings once a month to make its contributions. Once a member is consistent in saving with the group for a period of three months, and has contributed over Ksh. 1000, they become eligible for a loan that’s up to three times their savings. The loan is then payable within a time period of 3 months at a 10% interest. The more consistent a member becomes at paying back their loan, the more eligible they are for higher loans. The Unique Selling Point (USP) of the GBO savings and loans group is that members receive loans both in Kenyan Shillings and Sarafu-Credit. Only the amount in Kenyan Shillings attracts interest while the amount in Sarafu-Credit is Interest Free.

    After one year of running the savings and loans group, GBO had made enough money to stock a small community supermarket. Grassroots Economics then partnered with GBO to help identify a prime location for a supermarket.

    The official opening of the supermarket is set for mid-March!

    #supermarket #nairobi

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    #supermarket

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    #nairobi

    diff --git a/output/supporting-covid-19.html b/output/supporting-covid-19.html new file mode 100644 index 0000000..88f3cab --- /dev/null +++ b/output/supporting-covid-19.html @@ -0,0 +1,137 @@ + + + + grassroots-pelican - Supporting COVID-19 Community Health Volunteers + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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    + Supporting COVID-19 Community Health Volunteers +

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    Community Health Volunteers (CHV), Clinics and doctors are daily working tirelessly with communities to teach them to cope with COVID-19. They are, out of their own pockets, supporting needy families and themselves working often with no pay. Health care workers using CICs have a way to help support the community and care for themselves as national currency runs out.

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    This is Bernard Okoth and Grace Hellen the chairlady of CHVs in Mukuru (right) the main purpose this week is to make sure that all food related kiosks have clean water and soap as one way of eradicating the covid-19. They are training the members of the community how to use jerricans to come up with taps like structure.this is a mandatory action taken by CHV for the good of the community.

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    400 Sarafu (about 4 USD) will feed a CHVs and her family for a day and enable her to support the community more. Sarafu can also be used for soap, water, women's sanitary towel, medicines and other basic needs in local clinics.

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    Please leverage your support to health workers by contributing.

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    Anyone with any phone (no internet needed can register) Call 0757628885 (Monday - Saturday 9-5pm) You will automatically get 400 Sarafu. and for each referral you get 100.

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    To double (for next 90 days) your money or donate send mpesa to paybill (631685) and under account say where (what phone number) we should send double the Sarafu. 100 KSH = 200 Sarafu (maximum 20k ksh a week)

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    If you are not in Kenya you can support here.

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    + Supporting Supply Chains in Crisis +

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    + By Will Ruddick +
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    https://dashboard.sarafu.network

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    In the last few weeks we have seen the largest usage of community currencies we have ever, reaching near 7k USD traded daily among thousands of people living below the poverty line in rural villages and urban settlements. We are proud to be part of supporting and spreading these open source solutions as far as possible.

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    Check out the Community Inclusion Currency (CIC) Dashboard build by an amazing team at Accenture for even more data views and also see our research page.

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    In 30 days we have seen that by injecting a medium of exchange in the form of CICs nearly 100,000 USD have been traded (with over 1,600 daily transactions on the xDAI blockchain) among vulnerable communities at a cost of 8k USD in National Currency - this is roughly 12x the impact of typical donor funds and we expect to see it grow.

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    CIC pilots - Nairobi, Mombasa, Kwale and Kilifi

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    Total CICs distributed ( and in circulation): 6,369,254
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    (Kenyan Shillings equivalent)
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    Total Recipients (All time): 14,756
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    (each receive roughly 400 CICs + weekly support)
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    CIC totals: +| +New Recipients (30 Days): 3,283 +|

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    New Recipients (7 Days): 1,273 +|

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    Trade volume (30 days): 9,544,439 +|

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    Trade volume (7 days): 2,861,829 +|

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    Active Users (30 days): 5,981 +|

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    Transactions (30 days): 22,082 +|

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    Mpesa distributed (30 days): 830,915 Ksh +|

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    Anyone with a sim card can be a CIC recipient of an initial 400 tokens which can be used with other users and supporting businesses. Users receive addition CICs daily based on their usage. Savings groups receive donations in Mpesa (national currency) based on their CIC usage.

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    CIC circulation keeps supply chains running so that communities can do as much as possible to support each other when there is not enough money, food, soap, water and so on.

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    CIC totals: (Mukuru, Kayaba) Mukuru is one of the largest informal settlements in Nairobi and where the Red Cross have taken a leading role in pilotting CICs.

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    CICs in circulation (Mukuru): 340,426

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    Total Recipients (Mukuru): 762

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    New Recipients (30 Days) (Mukuru): 398

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    Trade volume (30 days) (Mukuru): 1,669,884

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    Active Users (30 days) (Mukuru): 477

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    Transactions (30 days) (Mukuru): 3,461

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    Mpesa distributed (30 days) (Mukuru): 109,814 Ksh

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    Mukuru Trade Volume by category (30 days): +|

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    Food/Water: 669,981

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    Shop: 504,720

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    Savings Group: 328,761

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    Farming/Labour: 129,791

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    Education: 18,650

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    Fuel/Energy: 12,085

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    Transport: 8,630

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    Environment: 6,700

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    Health: 2,220**

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    We are so thankful to all the people and teams working on Community Inclusion Currencies:

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    Red Cross: Implementation and scaling

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    Commons Stack: Guidance

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    BlockScience: Modeling

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    Bancor: Open source blockchain contracts

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    Accenture: Dashboarding

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    Sempo: Open source trading platform

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    From Mustard Seeds to Food Forests: A Regenerative Journey

    We are learning from 50 community groups that use a community currency to sell produce and pay for the labor with community currency

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    Self-Funded Regenerative Agriculture Kwale Site January Visit

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    Based on the design found in the Kwale Sites the above poster was created by W.Ruddick On 11th January 2021, I visited Miyani Demo Plot...

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        Taxation & Community Currencies

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        Taxation of & in Community Currencies could be the largest and most stable tax source for governments.

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      Articles tagged with food forest

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          Taxation & Community Currencies

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          Taxation of & in Community Currencies could be the largest and most stable tax source for governments.

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        Self-Funded Regenerative Agriculture Kwale Site January Visit

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        Based on the design found in the Kwale Sites the above poster was created by W.Ruddick On 11th January 2021, I visited Miyani Demo Plot...

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        + Taxation & Community Currencies +

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        This is a touchy topic! One that is the last thing a lot of community currency designers often want to think about, yet the first question they are asked.

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        While in most regulatory regimes, right now, a community currency (CCs) is nothing more than a tradable voucher. Taxation on these vouchers is similar to trading any crypto currency - a grey area at best. When exchanging CCs or any crypto currency for National Currency is when you begin to enter the current tax regimes. I say current, because things change fast in this space and actively thinking about how taxes could or should be imposed, collected and redistributed is extremely important. Below are some concepts on taxation of CCs that should be considered.

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        Community Currencies are about giving people the right to issue their own credit and use it as a medium of exchange - often filling the gaps left by low liquidity and hoarding of national currency. There is an obvious tension here with governments seeing CC trade as productive activity and/or utilization of public services, going un-taxed.

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        Generally community currency creators don't want to end funding to governments that provide useful services but we do want to make sure people have a say in how taxes are spent! In the case of Grassroots Economics - we are a non-profit foundation trying to provide a way for people to live together without the constant fear and trauma of monetary scarcity.

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        Demurrage on currency is a simple concept: currency decay over time (such as holding tax as a percentage deducted from all balances). This idea was created by the economist Silvio Gesell and first implemented Austrian town of Wörgl in 1932 with great success. It was created in order to reduce hoarding and encourage people to invest in local productive capacity - leaving currency as a medium of exchange and less of a form of savings. Rather than using paper currency and the purchase of stamps to keep your currency valuable, as was done in the 1930's we can use modern technology such as blockchain to create complete transparency and automation of tax collection. To use demurrage as taxation digitally today - this holding tax can be collected automatically using blockchain smart contracts and deposited into a public contract or Demurrage decentralized Autonomous Organization (DDAO). Anyone holding the currency would have a right to vote on the DDAO to determine where their demurrage goes. Governments could regulate these DDAO contracts to ensure a percentage goes to them - and they as well would be taxed on any unspent funds.

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        In the above diagram you can see a community creating a Community Inclusion Currency (CIC) as a claim against their future production. Such a CIC could also be issued by a government or municipality as in the case of Wörgl against redemption in government services. These CIC tokens could intrinsically be taxable into a DDAO and a portion could go to local government while the rest goes back to the CIC users themselves. The CIC collected by government would have to be used or be taxed back into the DDAO and be again redistributed. This creates a virtuous cycle where local taxes are automatically collected and must be re-spent locally. Such a CIC tax could even be reissued by government as a basic income. Social service organizations and charities could show their CIC transaction volumes in order to convince the public and government to allocate (vote) CIC tax redistribution to them.

        +

        Rather than only allowing banks and government to create our money supply - CICs give an option to decentralize credit issuance while preserving the functions of government to collect taxes and support social services. Governments - both local and national - that understand the power of credit decentralization and automated taxation, should see that this could be the largest and most sustainable funding source imaginable especially in countries like Kenya where the vast majority of businesses are informal and paying no taxes at all.

        +

        In the above video the Red Cross has introduced a CIC into a sub-county of Mombasa. Every token (Sarafu) has a 2% a monthly demurrage (holding tax) that currently collected automatically and is redistributed to active users in the community. Over 3 Million USD of trade has happened on this network and nearly 20 Million Sarafu tokens have been issued nation wide to over 56,000 households. If the county or national government were to accept locally created credit for local taxation via automated demurrage it could pay for roads, schools, health services and even basic income to support those in need.

        +

        For policy makers wanting to understand more contact us.

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        For developers - wanting to see a blockchain implementation of demurrage please check out our ERC20 contracts here.

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        + + + + \ No newline at end of file diff --git a/output/the-people.html b/output/the-people.html new file mode 100644 index 0000000..f8a90db --- /dev/null +++ b/output/the-people.html @@ -0,0 +1,152 @@ + + + + grassroots-pelican - The people behind the transactions: a peek into the data of Kenya's most active Community Curren + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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        + The people behind the transactions: a peek into the data of Kenya's most active Community Curren +

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        + By Paulina June +
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        Sarafu stands at the fore-front of digital community currencies offering novel ways to learn about the inner workings of local exchange systems and study their impact hands-on.

        + +

        Ndegwa lives in Peku, a rural village in Western Kenya, and supports his family of seven by selling peas and chicken to the community. The area, he explains, is challenged by seasonal droughts. With a high dependency on agriculture as a main source of income, he believes that this is perhaps one of the reasons why poverty, unemployment and food insecurity are considerable challenges in his community.

        +

        In early 2019, Ndegwa started covering his daily expenses with not only Kenyan Shillings but also Sarafu. Sarafu is a network of community currencies operating in several slums and marginalized rural communities across Kenya. The community in Peku is using the local Sarafu token called Miyani, which is one of the most active in the network. Charging other users half in Kenyan Shillings (and the other half in Miyani), Miyani has helped Ndegwa to provide greater access to his products, gain more customers and save Kenyan Shillings for bigger investments beyond his daily consumption.

        +

        The Sarafu Network is one of the first community currencies to switch to a digital, blockchain-based model and make it work on the ground. In the last eight months, more than 4000 users have set up a Sarafu wallet and have traded up to 500,000 Sarafu tokens per week. When the network of community currencies went digital, last year, it allowed its users to exchange Sarafu on any type of phone and in-between participating communities. Thus, making a prime case of how digital community currencies can help create resilient local economies in practice.

        +

        Sarafu usage compared to household income in Kenyan Shillings differs widely across its users — some users seem to be substituting almost all of their income with Sarafu, others only a small percentage. The average Sarafu user in Miyani has around 5 other businesses they trade with and has made, rather irregularly, about 24 transactions in the past eight months. Ndegwa is part of a smaller, more active circuit of users. With an average of around 150 transactions per user this smaller set of users is driving the Sarafu trade volume (Diagram 1).

        +

        Diagram 1: Users against transaction volume - All Time

        + +

        Mary is an agent in Ndegwa´s community. She uses Sarafu to generate a source of income by facilitating the community to exchange Sarafu and Kenyan Shillings back and forth.

        + +

        Besides her, three other family members support her family by working in agriculture. The users in Miyani and Peku come to her to exchange their Kenyan Shillings for Sarafu to be able to buy the community-produced maize flour once their own stacks of maize have run out and to save Sarafu in their savings groups. To her it seems like Sarafu has been given the specific role to facilitate the trade of both maize flour and treated water within the community.

        +

        Sarafu appears to mobilize the local food and agriculture sectors. Almost half of the Sarafu trade volume is directed to users selling food and water (Diagram 2). Particularly, locally farmed products, vegetables, fish and traditional pastries are top items to be traded. In a small sample of 21 Sarafu users we find that on average 7% of the monthly food products are purchased with Sarafu and 1% of their monthly water expenditure is substituted with Sarafu.

        +

        Diagram 2: Almost half of the Sarafu expenditure is directed to users selling food or water

        + +

        The Food Consumption Score (FCS) provides a common measure for food security that integrates dietary diversity and the frequency of food consumption weighted by the relative nutritional importance of the food consumed. According to the FCS over half of the users of the same sample show consumption patterns that are considered borderline or poor. Daily consumption of oil and sugar are very common. Meat, fish and vegetables can only be accessed on an irregular basis, thus, leaving most of the consumption to the main staple, maize. A community currency like Sarafu opens up new channels of local trade and help facilitate access to nutritious and sufficient food, thereby, supporting the Sustainable Development Goals from the bottom-up.

        + +

        “Sarafu represents the people in Miyani and more people are needed so that we can do more business and save in our chamas (savings groups)” reports Dzame during her interview in Yowani, a village within walking distance to the main market in Miyani. The data across the 21 user profiles suggests that the Miyani Token provides a fruitful economic and social environment for a community currency to foster new avenues of exchange. Dzame is among the majority of the Sarafu-users interviewed that have lived in and around Miyani for more than 20 years. Almost all sell self-produced goods such as food, water or firewood to the community and their share of goods and services bought within the area is extremely high. Whilst this suggests rather traditional and stagnant economic patterns, it may be the closed economic loop that provides the necessary grip for a community currency to circulate more seamlessly and thereby stimulate local production and consumption.

        +

        Both, the maize mill as well as local water tanks, have been externally placed into the community to seed local demand. A community farming project connected to a cooperative mill generates a maize reserve for the community and provides a good example for how agriculture projects can be connected to a complementary currency like the Sarafu Network. This suggests that using a local medium of exchange to facilitate collective farming can make a firm foundation for sustained local access to food. However, community currencies only become a long term sustainable tool themselves once the local circulation no longer depends primarily on a single business like the externally supported maize mill.

        +

        Both, the maize mill as well as local water tanks, have been externally placed into the community to seed local demand. A community farming project connected to a cooperative mill generates a maize reserve for the community and provides a good example for how agriculture projects can be connected to a complementary currency like the Sarafu Network. This suggests that using a local medium of exchange to facilitate collective farming can make a firm foundation for sustained local access to food. However, community currencies only become a long term sustainable tool themselves once the local circulation no longer depends primarily on a single business like the externally supported maize mill.

        +

        Going digital not only opens up a range of new, unexplored ways to exchange with each other but also allows us to learn about the inner workings of a community currency and how it can help communities address the challenges they face. With the field of digital community currencies still being relatively new, Sarafu provides a rare opportunity to trace exchange relations and study how community currencies impact the local economy and address under-utilized resources. How will the duration of usage and size of the network affect Sarafu? How are Sarafu and the Kenyan Shilling working alongside each other? And which complementary currency designs ensure just, equitable and self-sufficient implementations? Testing and understanding these questions are some of the exciting ways in which researchers can support community communities on the ground and help build networks of local thriving economies.

        +

        P.S. A peek into the data - The following user-profiles spotlight how the community interacts with Sarafu:

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        #Miyani #complementarycurrency #impacts

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        This visit is different, we sat down to eat together and had a frank chat. Am grateful

        The Koru team visited a village in Tiwi, which had mobilized 21 orphans to share a meal and life stories. The 4 hours visit was supported by Koru, organized by the community health workers who requested for the support.

        Before lunch, introduction was done and stories like the ones below, had to be told, for climatization.

        @@ -105,20 +105,6 @@

        I don't know my age, was chased out of primary school because am epileptic and I was told that I scare other kids. I clean people's houses and wash clothes. I cannot cook though. I wish I would go back to school but its sounds impossible. Am interested with starting a small food selling business to help my grandmother, my brother will also go back to school.

        Community Service is a central part of our work. This is the time to listen to sincere community burdens. Participatory approaches, through the community's effort will be facilitated by Koru to ensure that strategies that make sense are implemented. Walk with us.

        #kenya #coast #orphans #communityservice

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        #kenya #coast #orphans #communityservice

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        #kenya #coast #orphans #communityservice

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        -#kenya
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        #kenya

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        #coast

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        #orphans

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        #communityservice

        diff --git a/output/trading-the.html b/output/trading-the.html new file mode 100644 index 0000000..11319e0 --- /dev/null +++ b/output/trading-the.html @@ -0,0 +1,152 @@ + + + + grassroots-pelican - Trading the First Tomatoes on the Blockchain + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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        + Trading the First Tomatoes on the Blockchain +

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        + By Will Ruddick +
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        Caption: Mama Evelin (right) in Bangladesh, Mombasa learns to trade her Bangla-Pesa using the Bancor Wallet; taught by Ruth Ngau of Grassroots Economics (left).

        +

        Thanks to Bancor, blockchain is finally becoming a tool we can use to fight poverty.

        +

        Yesterday we had an amazing day in Mombasa field-testing the Bancor Wallet on POA network to enable zero-transaction fees and fast payments for local transactions. As tomatoes and chapati changed hands, local shop owners and their customers marked the first-ever community currency transactions on the blockchain. More broadly, we are digitizing and tokenizing the Sarafu-Credit system of paper currencies that began with the Bangla-Pesa in 2013.

        +

        Now community members like Mama Evelin (in the photo above) can:

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        • Trade any amount of Bangla-Pesa (we never had below a 5 paper denomination due to cost of printing.)
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        • Keep a digital record of transactions which are stored securely on the blockchain.
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        • Exchange their Bangla-Pesa for Ng’ombeni-Pesa (another neighboring community currency that couldn’t be easily converted to before.)
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        • Advertise on a community marketplace to get wider awareness of their goods.
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        • Easily locate and buy goods and services in the community when Kenyan Shillings are not available - with no transaction fees and verification in seconds.
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        • Easily send local tokens unrelated to commercial transactions to friends and family instantly and without fees.
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        • And much more to come, such as voting systems, SMS notifications and more.
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        For Grassroots Economics and similar Community Currency creators this means:

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          +
        • Creating a currency takes a few minutes. All you have to do is specify your token supply and decide which tokens to connect it to in your network.
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        • We have the security of the blockchain - meaning that the ledger of transactions and the supply of community currency tokens are in a safe, decentralized place - distributed across the Internet and transparent for all to see.
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        • Designing a customized currency just became much much easier: economic incentives, taxation, demurrage, community funds, voting systems and more can be built directly on the Bancor Liquid Token smart contract.
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        • The cost to develop a community currency has dropped to training and implementation - rather than the cumbersome and costly process of printing paper vouchers or paying service fees and licences to digital providers.
          • +
        • Teams can focus on their users, rather than the backend technology. This will go a long way in communities where resources are scarce to begin with.
          • +
        +

        What makes these tokens special is their ability to connect to one another (meaning be easily convertible back and forth without exchanges) - building a decentralized economy of currencies powered by the Bancor Protocol. These currencies can be designed using their smart contract to share assets, deploy a UBI and facilitate voting and community services. Fundamentally, blockchain-based community currencies can empower women like Evelin to develop zero-interest credit that is usable among her network. The World Bank claims there is a 2+ trillion dollar deficit in the credit supply -- this solution could pull communities out of poverty, increasing trade and local resilience.

        + +

        There is still a lot to do and we need everyone's support to really make this a tool that can be used around the world. We look forward to our first usability pilot in rural areas and Nairobi to give us all the use cases and success stories to help us make the case. Onward!

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        #blockchain #kenya #banglapesa #bancor

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        Since beginning in the field of “development” over 10 years ago every time I visit a new community I find there is a lack of understanding between the concepts of aid and development. To describe the differences, I borrowed a chart from the famous book “Where There Is No Doctor” by Hesperian Press. The chart is intended to detail two types of healthcare, but can be applied generally to any intervention or program intended to serve the poor, including income generation. The tree and the field represent the “Land of Knowledge”. This heavenly land is where all the people who have had the opportunity for education and social mobility live. It is the realm of doctors and nurses, but also of economists, scholars, and professional aid workers. These people who have been able to make educational advancement have two choices for interacting with the people who have been trapped in what we call “the pit of ignorance”. Those trapped in the pit of ignorance have had limited opportunities for education and advancement typically due to the cyclical nature of extreme poverty.

        On one side of the image we show a doctor throwing medicines into the pit with little concern as to how or if the fellow in the pit ever sees the light of day. This shows the aid approach which believes when someone has a need, it is suitable to meet that need temporarily and immediately without concerns of bringing someone out of the pit, but keeps them alive. Aid is like putting a bandaid to a gaping wound and expecting it to stop bleeding. It creates dependency and a loss of freedom. The person in the pit needs someone from the land of knowledge to come and save them in order survive. The person in the pit grows accustomed to his depency so spends the rest of their live languishing and waiting for handouts.

        On the other side of the image, we show a man from the land of knowledge offer a rope to the person in the pit so they can now begin to climb out and feel the sunshine in the land of knowledge. This side shows sustainable development. It is not a quick fix or temporary approach but one that prioritizes the long term impact of working with the disadvantaged and removing their barriers to a level playing field. Helping others to learn to care for themselves encourages self reliance and equity.

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        + UN Announcement of Liquid Community Currencies +

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        On October 25th, Will Ruddick along with Galia Bernartzi from Bancor addressed a packed audience at the UN regarding the potential impacts of blockchain technology enabled Community Currencies, on marginalized communities world wide. This was a ground breaking moment to show case the ability to connect currencies, to each other and the world, with automated exchange rates.

        + +

        Grassroots Economics Foundation pioneers the use of blockchain technology in Kenya, where communities will have the autonomy to create their own Liquid Community Currencies (LCCs) and trade among themselves. With no internet access needed, this block chain technology will reach millions of users by SMS/USSD creating a decentralized financial system. This empowers economic development practices, that enable communities to develop and trade their own interest free form of credit; backed by their own productive capacity.

        +

        In lieu of creating exchanges between communities, Bancor offers a smart contract that allows Liquid Community Currencies to automatically trade with one another across markets. By virtue of this, LCCs will be able to develop thriving economies.

        + +

        Themed "Blockchains for Social Impact, at the UN Geneva," Will Ruddick (The Pioneer of Community currencies in Kenya) presented research from Universities worldwide on impacts related to Grassroots Economics' Community Currencies and the shift to blockchain technology which enables large data sets of transactions to be analysed.

        +

        He exemplified how this technological development offers a platform to engage people currently outside the formal financial system, mentioning that, " Through Block chain Liquid Community Currencies address the financial inclusion gap existing among people underserved by current financial solutions."

        + +

        Galia Benartzi, Bancor reinforced this by stating that, "It is unlikely that the money system that created the need for the SDGs is the same that will be able to solve them. We must think outside the box." She says. Bancor alongside Grassroots Economics was mentioned as the leading example of Blockchain usage for Sustainable Development. It was positioned as the infrastructure to enable the next +10,000 Currencies for Sustainable Development and Grassroots Economics as the implementer.

        +

        This exciting week at the UN provided a platform to validate how the implementation of blockchain technology in Kenya by Grassroots Economics, will increase local trade and overall economic stability by addressing multiple derivations targeted by the UN. Many NGOs were interested in setting up Liquid Community Currencies as they realized it was possible to track Sustainable Development Goals through transparent blockchain technology hence offering real solutions to worldwide problems.

        + +

        Subscribe on our website to never miss an update!

        +

        Sign up to identify yourself as an early adoptor and contributor.

        +

        #LiquidCommunityCurrency #Blockchain #whitepaper #UN #SDG #Bancor #Binance

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        Universal Basic Income (UBI), as currently under trial in Kenya by GiveDirectly, gives regular donations to individuals in selected communities. According to GiveDirectly, these donations allow people living in poverty to save money and invest, without the typical high overhead cost of administration facing NGOs. GiveDirectly is part of a popular wave of cash transfers, with remarkable examples such as the Bolsa Familia in Brazil, which provides direct funds to about 14 million families (2012 figures). Still, history tells us that ‘the next big thing in development’ (such as microfinance in the 90s) will need a thorough review.

        The idea that just giving people money (without NGOs involved) in a developing country such as Kenya will enable people to engage in economic opportunities, get out of poverty and send their children to school, is highly appealing. GiveDirectly’s UBI certainly meets the ‘paternalism test’ as used by Guy Standing: “a policy can only be just if it doesn’t impose controls on some groups that are not imposed on the most free groups in society.” But critics would say that in GiveDirectly’s pilots, poor people are still dependent on and subjected to the goodwill of the rich whose wealth may come in part from exploiting resources and cheap labor.

        One of the prominent scholars on cash transfers, Christopher Blattman, argues that without the necessary supply-side provided by the government such as good education and health care, a basic income cannot function. Blattman considered political stability, economic certainty and establishing small and large firms far more important to foster the wealth of people in a country. Scouring inequality levels largely set in motion by the Structural Adjustment Programs imposed by the IMF on Kenya in the 1980s and 1990s, it is extremely hard to see how this debt will be reversed by donating small amounts to a selection of poor people.

        @@ -109,24 +109,6 @@

        Community currencies enable the funding to be more effective, as they encourage circulation in the community long term, increasing local trade, and thus economic development. As more and more cooperative businesses are developed, their assets are issued as more vouchers to more families across the community and can be used at any shop or school in the community. While the impact may not be as fast, over time, a UBI based on Community Currency could outpace one funded by donor support. By directly developing cooperative assets into a system that distributes assets and profits to the greater community, community currencies can directly effect local development and outlast all forms of donation-driven cash transfer.

        While studies are currently underway on Universal Basic Income it is important to also test other models. To address which model of basic income would be faster and more cost effective at developing local sustainability, pilots and RCTs on community currencies as a source of basic income are needed and are being sought by several universities around the globe.

        #UBI #communitycurrencies #research #cashtransfers #donations

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        #UBI #communitycurrencies #research #cashtransfers #donations

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        #UBI #communitycurrencies #research #cashtransfers #donations

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        #UBI #communitycurrencies #research #cashtransfers #donations

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        -#UBI
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        #UBI

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        #communitycurrencies

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        #research

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        It has been only 2 months since the members of Kangemi Business Network launched their community currency and received their 400 Kangemi-Pesa (~$4USD) thanks in large part to Nyendo-lernen schools program. Since then, regular monitoring has been conducted under the supervision of the local committee (Kangemi Business Network) and the feedback collected from the users are very promising.

        Indeed, thanks to the regular training given by the volunteers and the local committee, it didn’t take long for the members to understand its functioning and start using it. The first general meeting organized few weeks ago also permitted them to meet each other and form trading circles according to their location.

        The typical member of the network is a small business selling products or services answering the daily needs of the community (Food, Education, charcoal, groceries…). He/she is using between 50 to 100 Kangemi-Pesa (0.5-1$) a day with 2 to 5 other members.

        diff --git a/output/use-cases.html b/output/use-cases.html index 92a00aa..942755c 100644 --- a/output/use-cases.html +++ b/output/use-cases.html @@ -103,34 +103,10 @@

        In Kibera, Razao Kivinza (pictured above) who sells clothes by the roadside delighted in the chance to be able to show the versatility of M-Sarafu tokens. she was introduced into the system by her friends who trade amongst themselves within the neighborhood. But she claimed to only notice them using the tokens to buy food and vegetables. Until one time she was approached by a friend who explained to her that the platform hosts categories for different businesses and so she could also use her tokens to sell clothes and cater for her daily needs.

        “Today I am very happy to have the chance to have my business showcased to others, as I learn the different ways to work with more community members and and how we could sustain our local economy. It is a chance to network, learn and braid the rope with different traders."

        -
        -'Braiding the Rope' is the term we use for the process of bringing people into the network. People in the community learn from each other and begin to trade with each-other and bring in other traders from their daily life which causes the network to organically grow. Witnessing this organic growth recorded on the blockchain is amazing.
        -

        'Braiding the Rope' is the term we use for the process of bringing people into the network. People in the community learn from each other and begin to trade with each-other and bring in other traders from their daily life which causes the network to organically grow. Witnessing this organic growth recorded on the blockchain is amazing.

        +

        'Braiding the Rope' is the term we use for the process of bringing people into the network. People in the community learn from each other and begin to trade with each-other and bring in other traders from their daily life which causes the network to organically grow. Witnessing this organic growth recorded on the blockchain is amazing.

        Each digital trade (using feature phones with no internet) uses the Bancor Protocol to track trade deficits between communities in the network and impact data from each transaction is stored on the POA.network blockchain.

        These examples highlight the proof of impact Community Currency continues to make, across users in underserved communities in Kenya. It reinforces that building community economies by use of Liquid Community Currencies is the start of addressing money scarcity and triggering resilient circulation which creates access to education, food, clinics and general goods and services.

        #cryptocurrency #blockchain #impact #sustainabledevelopment #Kenya #communitycurrency

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        #cryptocurrency #blockchain #impact #sustainabledevelopment #Kenya #communitycurrency

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        #cryptocurrency #blockchain #impact #sustainabledevelopment #Kenya #communitycurrency

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        #cryptocurrency #blockchain #impact #sustainabledevelopment #Kenya #communitycurrency

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        #cryptocurrency #blockchain #impact #sustainabledevelopment #Kenya #communitycurrency

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        #cryptocurrency

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        #blockchain

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        #communitycurrency

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        It is a fact that this is one of the most exciting program I have come to learn about. It is my high time to introduce the same in Gatina Location (inside Kawangware, Nairobi) in our organization (Gatina Business Organization) This program if it is adopted by the government on this community currency will help to alleviate poverty and encourage members to save National currency.”

        Wanjala's school in Nairobi (Sifa Children's Home) is one of three (including Kanrorosha and Kangemi Youth) that are in part supported through Nyendo-lernen and are making great strides in creating their own community currencies.

        #education #schoolfees #bangla

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        #education #schoolfees #bangla

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        Community-based savings and loans are often what keep under-resourced economies afloat. In Kenya, these savings groups or chamas, as they are locally known, are an important source of funds in times of scarcity. We zone in on some of the women who use Sarafu to show how the community currency has enabled them to increase their savings.

        +

        How it works: Reba's story

        + +

        Reba has been part of the Sarafu network since 2016. She is a self-employed weaver and bead worker so it’s important to her that she is able to set aside enough Kenyan shillings to buy the materials she needs to make her scarves, jewellery, bags and wallets. Her primary market is her immediate community and she often accepts payments in Sarafu, which she then uses to buy food or to pay the school fees of the two pupils she sponsors at Skylife Academy.

        +

        Reba believes in the power of collective saving. Since using Sarafu, she has not only seen an increase in her number of customers, but has also been able to set aside more money per month towards her chama. Reba’s chama is called Joywo – the Joyful Women’s Organization. Every month, twenty members contribute a portion of their savings that gets pooled together and loaned out on a rotating basis. Interest is typically charged at 10% and by the end of the year, all the interest collected from loan repayments is shared out according to the portion of savings contributed by each member. A number of the members of Joywo are also part of the Sarafu network. Reba believes that if she can convince the other members to also join Sarafu, they will have more Kenyan shillings to contribute to the monthly pool and thus increase the credit available to all members.

        +

        A new financial savings tool

        +

        How is that using community currency as a primary medium of exchange actually increases users’ monthly savings? For one thing, there is something to be said about the psychological separation between “spending money” (Sarafu) and “saving money” (Kenyan shillings).

        + +

        Jackline Kasiva is the proud owner of Jackie’s Hair Salon. She says that using Sarafu has helped her increase her income and better manage her finances. She uses Sarafu for everyday expenses such as buying food for her toddler and husband. Most of her Kenyan shillings go towards her M-Shwari savings account that she holds in her M-Pesa account with Safaricom. In nine months, she saved enough to include hair products in her business stock and she now hopes to expand to lace weaves, which are a more costly product yet are in demand by her clients. Jackline says that if she uses Sarafu on a daily basis, she can typically save up to 100 Kenyan shillings per day or 30 US dollars per month.

        + +

        Before using Sarafu, Kuzumi Katuma used to save between 1,000 and 2,000 Kenyan shillings per month, which she would pool together with her husband’s savings in order to pay for their children’s school fees. Since using Sarafu, Kizumi has sometimes been able to bring home more money than her husband and now contributes up to 4,000 Kenyan shillings per month in savings.

        + +

        Grace Dzidza lives in Miyani and sells paraffin. She says using Sarafu helped her grow her customer base and she can now save about 600 Kenyan shillings more per month than she was able to before. She uses most of this money to pay for one of her daughter’s high school fees.

        +

        Community currencies are a multi-dimensional development tool. These women’s stories highlight how resilient economies can be built from the bottom up. All it takes is empowering people to take charge of their own financial futures.

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        #saving #sustainabledevelopment #women

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        + White House Visit with WomensConnect +

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        Grassroots Economics Director, Caroline Dama, visited the White House on Wednesday as a finalist in the WomensConnect USAID program

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        Our aim is to empower women to take charge of their economic future through the creation of community currencies.

        +

        Grassroots Economics seeks to provide stable markets to Women’s groups in Kenya through women owned and operated community currency systems, which will connect thousands of female small scale business traders in rural and peri-urban areas, backstopped by a solar and mobile technology.

        +

        By and large the promise of a better future for women through the technological revolution has been mere hype at best, with a few exceptions. Women are prevented from accessing and utilizing the technologies available in their communities due to; environmental barriers such as lack of access to electricity, lack of money to purchase internet bundles, a lack of personal and/or community ownership of infrastructure, and insufficient leadership for appropriate implementation of digital systems. The growth of the mobile industry has been led and driven by the spending power of men, in particular general relational needs to communicate and socialize, not as an educational or empowerment tool.

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        This revolutionary program will be piloted in partnership with Bancor Foundation; to create community based digital currencies with trading credit offered for all women’s group members. This will be the starting point for duplicating this program throughout East Africa and beyond. The open source model, software, and training will be translated into different languages for distribution throughout the developing world where women share the same challenges. Each community can select its own information and applications to be hosted on the walled garden server so every woman has the potential to access the education she needs in her context free of charge, along with the digital currency to make trades.

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        #usaid #white #house #usa #bancor #blockchain

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        All described the impact of MotoMoto with enthusiasm, as providing a much needed distraction from the stress of their lives and keeping them too busy for stealing and doing drugs, like sniffing glue and smoking marijuana. As Brian explained, “Because of moto moto, I don’t steal so much. People don’t disturb me. I don’t do drugs because I like to keep practicing. So, I take time to be alone, avoiding these other things.” Martin told us, “When I play with fire, it relieves my stress and I don’t think of drugs or stealing.”

        This year, the program saw around 90 street children and youth, like Amfrey, Omari, Samuel, Martin, Brian, and Faraji. Many only came once, but around half came to the program multiple times. Each visit is an opportunity for them to escape the constant “hustle” of finding money and meeting basic needs. They learn something new, get a nutritious, clean meal, and have a chance to share about their experiences in a safe environment. The program, which has been running since 2009, will soon partner with a children’s shelter and create a more advanced system of referrals to ensure those who come to us to learn, grow their self-esteem, and gain empowerment can access the long-term support they need. We are always looking to expand the program, which is currently funded solely by Burners Without Borders and offers just two classes a week. We would love to grow the program to every day of the week because constant practice develops skill and confidence more quickly, which can be critical for giving children the courage to make long-term changes in their lives. You can visit Burners Without Borders if you would like to get involved in the lives of children and youth like Samuel who don’t like life of the streets and dream of something better.

        #motomoto #performingarts #poi #burnerswithoutborders

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        #motomoto #performingarts #poi #burnerswithoutborders

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        #motomoto #performingarts #poi #burnerswithoutborders

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        #motomoto

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        #performingarts

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        #poi

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        #burnerswithoutborders

        diff --git a/output/why-robinson.html b/output/why-robinson.html new file mode 100644 index 0000000..980989f --- /dev/null +++ b/output/why-robinson.html @@ -0,0 +1,184 @@ + + + + grassroots-pelican - Why Robinson Crusoe Gives a Loan Interest-Free + + + + + + + + + + + + + + + + + + + + + + + + + + + + +
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        + Why Robinson Crusoe Gives a Loan Interest-Free +

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        + By Will Ruddick +
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        Silvio Gesell wrote his theory of money and ‘a natural economic order’, from which this story is extracted, in 1890. His views on interest bearing debt at the heart of capitalism's failure have led currency innovators for over 100 years.

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        Thanks to Prof. Ester Barinaga for pointing it out to me again - It is one of my favorite just-so stories (Along with the 11th Round and The 3 EURO or 300 Shillling Note) that call out the dysfunction of our global economic system in a way we can all understand.

        +

        A Story of Robinson Crusoe - by Silvio Gesell 1890

        +

        To introduce the theory of interest here expounded, and to facilitate the removal of old prejudices, which are nowhere stronger than in connection with the subject of interest, I shall begin with a story of Robinson Crusoe.

        +

        Robinson Crusoe, as is well known, built his house, from motives of health, on the south side of the mountain, whereas his crops grew on the damp but fruitful northern slopes. He was therefore obliged to carry his harvests over the mountain. To eliminate this labor he decided to construct a canal around the mountain. The time required for this enterprise which, to avoid silting, would have to be continued without interruption, he estimated at three years. He had therefore to lay in provisions for three years.

        +

        He slaughtered some pigs and cured their flesh with salt; he filled a deep trench with wheat, covering it carefully with earth. He tanned a dozen buckskins for suits and nailed them up in a chest, enclosing also the stink-glands of a skunk as a precaution against moths.

        +

        In short, he provided amply and, as he thought, wisely, for the coming three years.

        +

        As he sat calculating for the last time whether his "capital" was sufficient for the projected undertaking, he was startled by the approach of a stranger, obviously the survivor of a shipwreck.

        +

        " Hallo, Crusoe!" shouted the stranger as he approached, "my ship has gone down, but I like your island and intend to settle here. Will you help me with some provisions until I have brought a field into cultivation and harvested my first crops?"

        +

        At these words Crusoe’s thoughts flew from his provisions to the possibility of interest and the attractions of life as a gentleman of independent means. He hastened to answer "yes".

        +

        " That’s splendid!" replied the stranger, "but I must say at once that I shall pay no interest. I would prefer to keep myself alive by hunting and fishing, for my religion forbids me to pay, or to receive, interest."

        +

        Robinson Crusoe: An admirable religion! But from what motive do you expect me to advance you provisions from my stores if you pay me no interest?

        +

        Stranger: From pure egoism, my dear fellow, from your self-interest rightly understood. Because you gain, and gain enormously.

        +

        R.C.: That, stranger you have to prove. I confess that I can see no advantage in lending you my provisions free of interest.

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        S: I shall prove it in black and white, and if you can follow my proof, you will agree to a loan without interest, and thank me into the bargain. I need, first of all, clothes, for, as you can see, I am naked. Have you a supply of clothes?

        +

        R.C.: That chest is packed with buckskin suits.

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        S: My dear Crusoe! I had more respect for your intelligence. Just fancy nailing up clothes for three years in a chest – buckskins, the favorite diet of moths! And buckskins must be kept aired and rubbed with grease, otherwise they become hard and brittle.

        +

        R.C.: That is true, but I have no choice in the matter. They would be no safer in my clothes-cupboard – less safe, indeed, for it is infested by rats and mice as well as by moths.

        +

        S: The mice will get them in any case. Look how they have already started to gnaw their way in!

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        R.C.: Confound the brutes! I am helpless against them.

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        S: What! A human being helpless against mice! I will show you how to protect yourself against rats and mice and moths, against thieves and brittleness, dust and mildew. Lend me these clothes for one, two or three years and I agree to make you new clothes as soon as you require them. You will receive as many suits as you have lent me, and the new suits will be far superior to those you would have taken from this chest. Nor will you regret the absence of the particular perfume you have employed! Do you agree?

        +

        R.C.: Yes, stranger, I agree to lend you the chest of clothes; I see that, in this case, the loan, even without interest, is to my advantage.

        +

        S: Now show me your wheat; I need some for bread and seed,

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        R.C.: It is buried in this mound.

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        S: Wheat buried for three years! What about mildew and beetles?

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        R.C.: I have thought of them and considered every other possibility, but this is the best I can do.

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        S: Just bend down a moment. Observe this beetle crawling on the surface of the mound. Note the garbage and the spreading patch of mildew. It is high time to take out and air the wheat.

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        R.C.: This capital will be my ruin! If I only could find some method of protecting myself against the thousand destructive forces of nature!

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        S: Let me tell you, Crusoe, how we manage at home. We build a dry and airy shed and shake out the wheat on the boarded floor. Every three weeks the whole mass is turned over with wooden shovels. We also keep a number of cats; we set mouse-traps and insure against fire. In this way we keep the annual depreciation down to 10 per cent.

        +

        R.C.: But the labor and expense!

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        S: Exactly You shrink from the labor and expense. In that case you have another course. Lend me your wheat and I shall replace it, pound for pound, sack for sack, with fresh wheat from my harvest. You thus save the labor of building a shed and turning over the wheat; you need feed no cats, you avoid the loss of weight, and instead of mouldy rubbish you will have fresh, nutritious wheat.

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        R.C.: With all my heart I accept your proposal.

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        S: That is, you will lend me your wheat free of interest?

        +

        R.C.: Certainly; without interest and with my best thanks.

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        S: But I can only use part of the wheat, I do not need it all.

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        R.C.: Suppose I give you the whole store with the understanding that for every ten sacks lent you give me back nine sacks?

        +

        S: I must decline your offer, for it would mean interest – not indeed positive, but negative interest. The receiver, not the giver of the loan, would be a capitalist, and my religion does not permit usury; even negative interest is forbidden. I propose therefore the following agreement. Entrust me with the supervision of your wheat, the construction of the shed, and whatever else is necessary. In return you can pay me, annually, from every ten sacks two sacks as wages.

        +

        R.C.: It makes no difference to me whether your service comes under the heading of usury or of labor. The agreement is, then, that I give you ten sacks and that you give me back eight sacks?

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        S: But I need other articles, a plough, a cart and tools. Do you consent to lend them, also, without interest? I promise to return everything in perfect order, a new spade for a new spade, a new, unrusted, chain for a new chain, and so forth.

        +

        R.C.: Of course I consent. All I have at present from my stores is work. Lately the river overflowed and flooded the shed, covering everything with mud. Then a storm blew off the roof and everything was damaged by rain. Now we have drought, and the wind is blowing in sand and dust. Rust, decay, breakage, drought, light, darkness, dry-rot, ants, keep up a never-ending attack. We can congratulate ourselves here upon having , at least, no thieves and incendiaries. I am delighted that, by means of a loan, I can now store my belongings without expense, labor, loss or vexation, until I need them later.

        +

        S: That is, you now see the advantage you gain by lending me your provisions free of interest?

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        R.C.: Of course I do. But the question now occurs to me, why do similar stores of provisions at home bring their possessors interest?

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        S: The explanation lies in money which is there the medium of such transactions.

        +

        R.C.: What? The cause of interest lies in money? That is impossible, for listen to what Marx says of money and interest: " Work is the source of interest (surplus-value). Interest, which converts money into capital, cannot be derived from money. If it is true that money is a medium of exchange, then its function is merely to pay the price of the goods which it purchases. If it thus remains unchanged it cannot increase in value. Surplus value (interest) must therefore be derived from the goods purchased which are sold at an increase of price. This change can neither occur at the time of purchase not at the time of sale, for on these occasions equivalents are exchanged. The only remaining hypothesis is, therefore, that the change happens through the use of the goods after their purchase and before their sale." (Marx. Capital, chap. VI).

        +

        S: How long have you been on this island?

        +

        R.C.: Thirty years.

        +

        S: I thought so! You still appeal to the theory of value. My dear Sir, that theory is dead and buried. At the present day it has no representatives.

        +

        R.C.: What? You assert that Marx’s theory of interest is dead and buried? Even if no one else represents it – I represent it!

        +

        S: Well then, represent it not only in theory but also in practice – if you wish, in relation to me! I hereby break off the bargain we have just made. From their nature and destination your goods are the purest form of what is usually called capital. I challenge you to take up the position of a capitalist towards me. I need your stuff. No worker ever appeared before a capitalist as naked as I stand before you. Never has there been so clear an illustration of the relation between the owner of capital and the individual in need of capital. And now make the attempt to exact interest! Shall we begin our bargaining again from the beginning?

        +

        R.C.: Surrender! Rats, moths and rust have broken my power as a capitalist. But tell me, what is your explanation of interest?

        +

        S: The explanation is simple enough. If there were a monetary system on this island and I , as a shipwrecked traveller, needed a loan, I would have to apply to a money –lender for money to buy things which you have just lent me without interest. But a money-lender has not to worry about rats, moths, rust and roof-repairing, so I could not have taken up the position towards him that I have taken up towards you. The loss inseparable from the ownership of goods (there is the dog running off with one of your – or rather – my buckskins!) is borne, not by moneylenders, but by those who have to store the goods. The money-lender is free from such cares and is unmoved by the ingenious arguments which found the joints in your armour. You did not nail up your chest of buckskins when I refused to pay interest; the nature of your capital made you willing to continue the negotiations. Not so the money-capitalist; he would bang the door of his strong-room before my face if I announced that I would pay no interest. Yet I do not need the money itself, I only need money to buy buckskins. The buckskins you give me without interest: but upon the money to buy buckskins I must pay interest!

        +

        R.C.: Then the cause of interest is to be sought in money? And Marx is wrong?

        +

        S: Of course Marx is wrong. He under-estimated the importance of money, the nervous system of economic life, so it is not surprising that he went wrong over other things of fundamental importance. Like all his disciples he made the mistake of excluding money form the scope of his inquiry. He was fascinated by the shining metal disks, otherwise he could never have used the following words: "Gold and silver are not by nature money, but money is by nature gold and silver, witness the coincidence of their natural properties with its functions".

        +

        R.C.: Practice certainly does not agree with Marx’s theory – that has been clearly proved by our negotiations. Money is for Marx only a medium of exchange; but money does more, it seems, than "merely pay the price of the goods it purchases". When the borrower refuses to pay interest, the banker can bang the door of his safe without experiencing any of the cares which beset the owner of goods (capital) – that is the root of the matter.

        +

        S: Rats, moths and rust are powerful logicians! A single hour of economic practice has taught you more than years of study in the text-books.

        +

        The End

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        As an aside here - we don't currently employ a 'devaluing' currency in our Community Currencies - but rather we pull from it into a community fund that is redistributed as a basic income. We call this demurrage with is essentially a tax on hoarding and a convenient source of a universal basic income.

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        + Women Powered Currencies +

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        It is Women who make up as much as 90% of these networks and are the foundation of the real economy. Enjoy reading about people supporting each other in ways we never though possible without National Currency! Special shout out for for International Women's Day !

        +

        Below you will find examples of use cases in 4 neighboring communities in Nairobi slums using Sarafu (a group of Community Currencies which are Bancor Protocol enabled tokens on the POA.Network blockchain ) to support each other and develop a resilient economy.

        +

        We've never been able to link currencies together like this before and now have 9 currencies in circulation among 1,136 businesses, clinics and schools with 516,436 Tokens that have traded in one month a volume of 837,355 tokens (soft-pegged to Kenyan Shillings) in 11,155 Transactions for Food 34.4% Labour 25.9%Retail 19.2% Education 7.2% Freight / Travel 5.5% Water 3.3% Energy 2.3% Environment 2.0% Health 0.4% Using the Bancor Protocol each community promotes reciprocity and resilience by actively measuring trade imbalances through their relative currency values. See if you can see how these currencies are interwoven in the examples below.

        +

        1. CONGO

        + +

        Susan Lukobo joined Sarafu 4 years ago. Ever since she joined Sarafu (using Congo Pesa her communities currency), she is able to pay teacher’s salaries on time, she has her pupils in class everyday every week, she no longer sends pupils home for school fees since her parents pay fee in Sarafu. She repairs desks from a carpenter who uses Sarafu and her school cook is able to buy lunch at a cheaper rate since she purchases from the Sarafu users.

        + +

        Teacher Eric Mwaka joined sarafu four years ago. Sarafu has helped him save Kenya shillings as he is able to purchase his basic needs from other Sarafu users and in return he offers tuition their children. The amount in Kenya shillings that he is able to save on daily basis, he sends it to his family who are in the village.

        + +

        Phostina is a carpenter who joined Sarafu 1 month ago. Initially she was accepting desk repairs from Skylife Academy but they were not paying on daily basis due to scarcity of Kenya shillings. When she was introduced to Sarafu, she liked the idea because the school always supplement the Kenya shillings with sarafu. She is now having more customers and she is in a position to sell her excess capacity (firewood, bed, sofa sets and cabinets) using Sarafu. Teachers have been buying beds, sofa sets and cabinets from her . Phostina also uses Sarafu to pay school fees for the daughter who studies in the nearest community (kangemi). She pays her workers in Sarafu also.

        + +

        Doris owns a hotel near the carpenter and the school. She joined Sarafu 3 months ago. She is able to use Sarafu to buy firewood from Phostina . When teachers discovered that she joined Sarafu, they have been eating in her hotel. She is now having more customers who generate more income to her.

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        2. GATINA

        + +

        Jackline Kasiva has been a member of Sarafu network for the last 9 months. Initially she never had clients on daily basis since people don’t plait hair every day. She could end up spending a day or two without clients. Others who came with less money were not plaited since she preferred money for every service offered. When she joined Sarafu, she no longer sends her clients back with the little Kenya shillings that they bring, in fact she encourages them to supplement with Sarafu and she is able to plait them. Sarafu has made her expand her business. She is also saving Kenya shillings whenever she spent Sarafu and now she is not only plaiting hair but she is also selling the hair products.

        + +

        Jacinta Mutumi is a tailor based in Gatina. She joined sarafu 5 months ago and she is happy that Sarafu made her get more customers who want their clothes mended or want their children’s uniform repaired. She was able to save Kenya shillings which she used to take her son to high school with it. She uses Sarafu to plait her hair and also get vegetables from her neighbour.

        + +

        Elizabeth Achacha has a vegetables kiosk. Initially she was selling vegetables alone and she could sleep (go home) with some of the greens which are perishable. She joined Sarafu 2 years ago and has been able to utilize her excess capacity. None of her stock goes bad as before and she has also expanded her business - from selling vegetables alone to now selling tomatoes and onions alongside the vegetables.

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        3. OLYMPIC

        + +

        Walter Omondi has a barber shop. He joined Sarafu 2 weeks ago. So far he has been able to get new customers who are coming to shave using Sarafu. Last week he was able to repair his shaving machine from Cornelius Odongo and he paid in Sarafu. Walter eats lunch at Isaac Abwao,s hotel and he buys omen for his family for dinner from Mama Sharon (Hellen). Attached picture is of mama’s Sharon grandchild getting a haircut from Walter.

        + +

        Mama Sharon also known as Hellen Achieng sells omena around Kamukunji area of Olympic, kibra. She also joined Sarafu 2 weeks ago. So far she has used sarafu to purchase chapati from Angelin Aluoch and her grandchild was able to get a haircut from Walter using Sarafu. She is excited about Sarafu. She sees it as an opportunity for her to grown her business and expands her market.

        + +

        Angelin Aluoch joined Sarafu 2 weeks ago. She told me that she was able to save ksh 50 when she purchased omena for her family from mama Sharon. She has 2 children who got a haircut from Walter last week. The two children go to school using a boda boda who lucky enough joined Sarafu hence causing her to spend less of Kenya shillings and is able to get her basic needs.

        + +

        Cornelius Odongo repairs and sells electronics. He joined 2 years ago and he got a haircut from Walter using Sarafu. Cornelius was able to fix Walter’s machine and he also brought his friend Isaac Abwao to be part of Sarafu. He currently takes lunch from Isaac’s hotel and has bought omena and chapati to feed his family. He is happy that he and his family is no longer sleeping hungry since he can still access basic needs without using the scarce Kenyan currency.

        +

        4. LINDI

        + +

        Pastor Silvanous joined Sarafu 3 years ago. He is the main pastor of Hope Gospel Center. The congregation pays their tithes and offerings to him in form of Sarafu. He uses the same amount to go back to the congregation to purchase basic needs. He has also rented the church to a school and in return he receives rent in Sarafu. The pastor told us that his congregants are happy to use Sarafu in his church (as Tithing/Sadaka) and he accepts it since he will still go back to the congregants to get his basic needs. He says that Sarafu has united them and as a church they have now started a savings scheme due to Sarafu.

        + +

        Madam Basilisa is the headteacher of Hope Academy which is based inside Hope Gospel church. The madam receives Sarafu from parents as fees and in return, she is able to pay part for the school rent using Sarafu. She is no longer having issues of arrears with the church as before. Parents (one on a motorcycle here) too are paying fees in Sarafu and she is happy that none of her children is unable to come to school due to lack of school fees.

        +

        #WomensDay #cryptocurrency #Nairobi #SchoolFees #Education

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        - -

        Using a basic income (Sarafu in Kenya) youth can support their elderly and vulnerable by giving them their Sarafu. Then those elderly/vulnerable in turn spend it with other youth run businesses, who could in turn give it to their elderly/vulnerable - who could, in turn, spend it on other youth run businesses and so on - Creating a virtuous circle of markets and employment for youth and support for the elderly.

        -
        -Using a basic income (Sarafu in Kenya) youth can support their elderly and vulnerable by giving them their Sarafu. Then those elderly/vulnerable in turn spend it with other youth run businesses, who could in turn give it to their elderly/vulnerable - who could, in turn, spend it on other youth run businesses and so on - Creating a virtuous circle of markets and employment for youth and support for the elderly.
        + +

        Using a basic income (Sarafu in Kenya) youth can support their elderly and vulnerable by giving them their Sarafu. Then those elderly/vulnerable in turn spend it with other youth run businesses, who could in turn give it to their elderly/vulnerable - who could, in turn, spend it on other youth run businesses and so on - Creating a virtuous circle of markets and employment for youth and support for the elderly.

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        While new in Kenya, this type of system has been around in Japan since 1995 and is called Fureai kippu . This system was one of the inspirations for bringing the concept of community currency to Kenya over 10 years ago. While this has been piloted in small communities - for the idea to really catch on - elders, chiefs, youth run businesses and chamas all need to understand the virtuous circle created and keep supporting it. This support network is a commons - and it takes identification, communication, training and care. We're very excited about the Kenya Red Cross taking up the challenge to spread

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        While new in Kenya, this type of system has been around in Japan since 1995 and is called Fureai kippu . This system was one of the inspirations for bringing the concept of community currency to Kenya over 10 years ago. While this has been piloted in small communities - for the idea to really catch on - elders, chiefs, youth run businesses and chamas all need to understand the virtuous circle created and keep supporting it. This support network is a commons - and it takes identification, communication, training and care. We're very excited about the Kenya Red Cross taking up the challenge to spread

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        -Fureai kippu
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        While new in Kenya, this type of system has been around in Japan since 1995 and is called Fureai kippu . This system was one of the inspirations for bringing the concept of community currency to Kenya over 10 years ago. While this has been piloted in small communities - for the idea to really catch on - elders, chiefs, youth run businesses and chamas all need to understand the virtuous circle created and keep supporting it. This support network is a commons - and it takes identification, communication, training and care. We're very excited about the Kenya Red Cross taking up the challenge to spread

        Above is a Kenya Red Cross volunteer working in Kisauni explaining how youth can support their communities and their own families using Sarafu a Community Inclusion Currency/ basic income.