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.. _cic-will:
Community Currencies and DEX Multitudes
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:date: 2021-01-07
:tags: syntropic, agroforestry, regen, food forest
:author: Will Ruddick
:slug: community-currencies-and-dex
Decentralized Exchange (DEX) Contracts contain multitudes. There are nearly infinite ways to use them to connect blockchain contracts (like Community Inclusion Currencies) for different use cases. Using them opens us up decentralized network topologies that we would never have dreamed of with old fashion stock exchanges and other financial instruments. The best part is that they can be used by anyone in the world with access to internet or even just an inexpensive phone using USSD/SMS.

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.. _kakuma_refugee:
Kakuma Refugee Testimonial
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:date: 2021-03-28
:authors: Amina Godana, Janet Akinyi Atieno
:slug: kakuma-refugee-testimonial
After `after hearing about sarafu <https://www.grassrootseconomics.org/post/kakuma-refugee-testimonial>`_ local leaders of a small community group started building a support network in their community. Nyota explains below how after living in the refugee camp for 10 years, Sarafu has helped her to maintain trade with her community and grow their collective farming even when there are no shillings available.
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:alt: kakuma-amina1
Here the `FHE group in Kakuma <https://www.grassrootseconomics.org/post/refugee-economics-in-kakuma-kenya>`_ are meeting to talk about community farming and community inclusion currencies which they learned more about after a trip to Siaya Kenya..
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:alt: kakuma-amina2
Here the Kaukuma community leaders traveled to Siaya to learn about how Sarafu is used there and about community farming practices that Sarafu helps to make economically sustainable (circular economy). Communities teaching other communities how to use Community Currency is always the best way to share.
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:alt: kakuma-amina3
:width: 100%
This is the beginning of a new community farm in Siaya where the Kakuma team was learning. The poster is showing the intention of the community farm and soil regenerative practices that are being used. Below is a testimonial of one of the farmers in Siaya that taught the Kakuma refugees to follow their example to build a strong local economy.
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.. _kilifi_isavary:
Kilifi Kenya - a hub for Community Driven Basic Income
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:date: 2021-02-10
:modified: 2021-02-12
:tags: Kilifi, Kenya, debt, Basic income, Community currency
:author: Isavary Khabuqwi
:slug: kilifi-kenya
The current reality is that following Covid-19 many have fallen deeper and deeper into debt. However, most individuals would still not openly disclose this reality to avoid the negative connotation that comes with owing. Imagine a world where household debt is no longer an individual burden, but rather a tool to build a strong local economy? Instead of waiting for Kenyan Shillings from the government or donors, basic income programs built via community currencies like Sarafu are communalizing and trading debt to reduce poverty. A perfect example of this is the diverse and welcoming population of Kilifi, who have begun to accept a basic income (locally called Sarafu) for goods and services, as a way of reverting the loss they would have incurred through stagnate loans and markets.
.. image:: images/blog/kilifi-isavary1.webp
:align: center
:alt: kilifi_isavary1
Residents of Kilifi like Kimmy Katana above at Red House, are accepting their role in driving economic change by embracing a different outlook to financial freedom.
The implementation of a basic income program in Kilifi, as developed by Grassroots Economics and supported by the Kenya Red Cross Society (KRCS), helps ''Kilifians'' choose to collectively curb the issue of prolonged debt amongst the vulnerable in the community. Thanks to the local sub-chief, Mr. Tony Tuva, the program exists as hope for a better future by empowering communities to build prospering economies.
What Sarafu means for me...
*****************************
.. image:: images/blog/kilifi-isavary2.webp
:align: left
:alt: kilifi_isavary2
When a Kilfi resident, like Pascaline Wanjiku, accepts to receive Sarafu, she offers her customers a way out of debt. This means that rather than continuing my debt streak, I get an opportunity to clear my existing debt with the Kenya shillings I save when I purchase her bed sheets using Sarafu. Apart from helping the community, a user like Jesse Komora (a boda boda) accepting Sarafu from Pascaline for a ride then re-spending it to buy a shirt, is ensuring circulation continues rather than stagnation of debt and local markets.
Market Days
*************
Kilifians come to weekly Sarafu market days to sell goods and services using basic income (Sarafu ya Jamii). One such market happens at Mnarani Chiefs office behind MTG grounds each Sunday and is an ideal place to meet other people who believe in community driven basic income. This is an opportunity to buy and sell with Sarafu to support yourself and the economy while exploring your social-entrepreneurial spirit.
.. image:: images/blog/kilifi-isavary3.webp
:align: left
:alt: kilifi_isavary3
Anyone can receive a basic income in Sarafu by dialing \*384*96#\ or call 0757628885 for more information. **This national service is free and available to all Kenyans thanks to the Red Cross.** Kilifians who dont need a basic income, often support others by giving theirs to those in need and accepting it for goods and services or in place of debt.
.. image:: images/blog/kilifi-isavary4.webp
:align: right
:alt: kilifi_isavary4
While these are the early days of Kilifi embracing a basic income it is wonderful to be part of such a vibrant and diverse community!
Follow the flow...
********************
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:align: center
:alt: kilifi_isavary5

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.. _municipal_will:
Municipal Basic Income(MBI) via CIC
######################################
:date: 2021-01-23
:modified: 2021-01-24
:tags: UBI, Basic Income, municipe, MBI
:author: Will Ruddick
:slug: municipal-basic-income
.. image:: images/blog/municipal-will1.webp
:align: center
:alt: municipal-will1
A municipality, town or local administration is an ideal issuer and anchor for a basic/guaranteed income because the have the means to back it and the intention to build sustainable and thriving local markets Such a Municipal Basic Income (MBI) can in turn act as a growth medium and network token for Community Inclusion Currencies which allow local groups and businesses to form strong local markets through the MBI network.
In its simplest form a municipality creates a token which is distributed to residents and local projects and taxed and redistributed as a basic income for those active in the network. This MBI would be backed by the holding tax itself and as well local services offered by the municipality (like 50% off public transport or health services). This is similar to Sarafu in Kenya whose supply is set by the target population taxed and redistributed. The tax and redistribution incentivizes trade and discourages hoarding.
.. image:: images/blog/municipal-will2.webp
:align: center
:alt: municipal-will2
Businesses and groups of residents can create a Community Inclusion Currency against their production (like a voucher) and offer some of these CICs in exchange for the MBI in order to support the municipality. **This is a measurable form of corporate social responsibility (CSR) and social enterprise.**
This allows business and communities to transparently and measurably connect their vouchers to the greater social service network formed by the MBI. Online marketplace could feature these supporting businesses as a way to drive traffic to them.
The initial supply and taxes collected from holding fees on balances of the MBI could also be used to aid community support networks and for local programs like Food Forests.
A municipality creating such a MBI would have to create a contract against its redemption as well as taxation and redistribution. This contract could be voted on signed and scanned as a pdf and fixed to the MBI token on a blockchain (low-tech).
Supporting business could in turn create their own CIC as a claim against their production (again in a signed contract) and place those CICs into liquidity pools that contain both their contribution of CIC (vouchers) and an amount of the MBI in order to enable traceable exchange between the two.
This means that people could keep their municipality economies thriving by accepting and trading a MBI which can be exchanged in limited amounts for business vouchers (ala liquidity pools with CICs)
While in Kenya we rely on Humanitarian organizations to supply a basic income token - a municipality, or local administration would be a wonderful anchor for community health in this way. The possibilities of MBIs combined with CICs are profound and life affirming. **Consider the value in decentralized, municipally supported economies (networks of MBIs) - building and supporting local as well as regional or National economies.**

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.. _recycling_Isavary:
Recycling Debt (Kusaga Deni, Kubali Sarafu)
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:date: 2021-03-13
:tags: debt, defaulters, lenders, debtors
:author: Isavary Khabuqwi
:slug: recycling-debt
.. image:: /images/blog/recycling1.webp
:align: left
Imagine having to endure constant reminders and threatening messages from predatory lenders your entire life.
Imagine going out of business because youve 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 <https://www.kenyans.co.ke/news/49839-cbk-steps-suicide-rates-rise-over-debts>`_
**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 doesnt care for each other. Frankly speaking, I believe weve been rendered unable to pay our debts by so many broken systems - we simply cant solve this problem with the current national economic system which condones and profits off of it.
As a woman in her thirties and a single mother by choice, Ive 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.
**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 youre 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 <https://www.instagram.com/kilifikulture>`_
**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. Its quite easy to see a useful tool when you need it.
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 youre willing to share your strength with those around you, then youre a hero.
`Contact us to join a group of economic heroes in Kenya <https://www.grassrootseconomics.org/contact>`_

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.. _redcross_will:
Red Cross brings Community Currency to Kisauni
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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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:alt: redcross-will1
@ -31,20 +33,20 @@ Mshomoroni Area in Mjambere Ward: Its an area where the local economy is not tha
Here are some testimonials of users who have benefited with the usage of sarafu in the area.
.. image:: /images/redcross-will2.webp
.. image:: /images/blog/redcross-will2.webp
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:alt: redcross-will2
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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:alt: redcross-will3
:width: 100%
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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************************
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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@ -87,7 +89,7 @@ Execution of Sarafu network by Grassroots economy in conjunction with Kenya Red
Below are examples of success stories from a group of users who form a good trading loop amongst themselves;
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:alt: redcross-will6
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Abdallahs 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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:alt: redcross-will7
Zaiwabu Moraa a grocer lady located a few meters from Mathews chemist is also connected to this active network and has supported her network by accepting sarafu for groceries and fries.
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.. _refugee_marcelin:
Refugee Economics in Kakuma Kenya
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:date: 2021-02-13
:authors: Marcelin Munga Petro
:tags: refugee, kakuma, sarafu
:slug: refugee-economics-kakuma
.. image:: /images/blog/refugee1.webp
:align: center
:alt: refugee1
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.
I'm the founder and CEO of FHE organization that mean Farming and Health Education, the organization include 31 members who are contributing their own efforts and ideas in order to push the FHE vision, mission and objectives. FHE is Community Based Organization that works in Kakuma refugee camp to address the dire of health, protection and psychological needs of the children their families and the communities, with one of our strategy focuses being strengthen the community based protection mechanism. Enabling communities to be done active in protection.
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:alt: refugee2
In addition FHE includes in its permaculture gardens and trainings, health testing and counseling training course, the pure COUNSELLING TRAINING COURSE, hygiene and sanitation training course component that seeks to improve the over all of adult education in kakuma refugee camp.
In this regard,we are conducting adult education or training vocational center and doing some awareness in the community with the aim being to engage individual discussion on adult education and other programs carried out by the FHE as well as to create self environment for the communities.
.. image:: /images/blog/refugee3.webp
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:alt: refugee3
With our program objectives, a basic income of SARAFU curbs some of the gaps that are facing. Often our members fall into debt - but when members use Sarafu this helps even in membership monthly contribution, and our group can also offer training to the community for Sarafu. If enough of us refugees trade with each other we don't suffer from missing Kenyan Shillings and debts. I can decide to buy food for my family using Sarafu to fill the gap of missing Shillings - and I can accept the Sarafu back for my teaching or food from my garden - even when we have no SHILLINGS! We all work together as a community.
We kindly request for support from Red Cross and other Humanitarian organizations in helping us spread Sarafu training to the rest of Kakuma to improve and give hope to the refugee community.
best regards
F.H.E CEO MARCELIN MUNGA PETRO

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.. _self-funded_james:
Self-Funded Regenerative Agriculture Kwale Site January Visit
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:date: 2021-01-14
:tags: syntropic, agroforestry, regen, food forest
:author: James-thiong'o
:slug: self-funded-regnerative-agriculture
.. image:: images/blog/self-fund-james1.webp
:align: center
:alt: self-fund-james1
*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.
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:alt: self-fund-james2
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.
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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:alt: self-fund-james3
Topics Covered.
****************
1. Planting succession.
*************************
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.
Factors to consider when planting.
a). The height of the crop when mature.
b). The space that the crop occupies upon maturity.
c). The time the crop takes before it matures and is harvested.
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.
2. Munlching
**************
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.
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.
3. Organic Pest Control
*************************
1. We covered Integrated Pest Management which is a holistic method for solving pest and disease problems.
2. Using Biological methods by creating habitats for beneficial insects and organisms, growing diverse crops and planting repellents such as onions, lemon grass and chillies.
3. 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.
4. Using mechanical methods such as handpicking caterpillars and using water pressure on aphids.
Next steps to take.
********************
1. Increase plant species diversity.
2. Continue mulching on the paths and beds.
3. Plant more intensively on the beds occupy all the growing space.
4. Keep pest population low, continuously check on pest and disease on the crops and act immediately.
5. 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.
6. Carry out soil test to determine and document improvements made in soil organic matter.
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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.. _shaila_agha:
Grassroots Economics has a New Director: Shaila Agha
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@ -6,7 +8,7 @@ Grassroots Economics has a New Director: Shaila Agha
:author: Shaila Agha
:slug: grassroots-economics-has-a-new-director-shalia-agha
.. image:: /images/shaila_agha.webp
.. image:: /images/blog/shaila_agha.webp
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When I was 9 years old, my mother came home one day with a monopoly board game. It was the beginning of the March holidays and she wanted to provide us with an alternative activity to watching cartoons. Every day after that, my brother and I would insistently play game after game; holding on to our colourful money as if our future depended on it. Like all children, we eventually lost interest in the game. However, the colorful currency notes then became our most valuable asset. We used it as a means of exchange to incentivize each other to do each other's chores, as a rental fee to play with shared toys and even for buying candy off each other. We lived in the middle of rural Kenya, with almost no neighbours or shops, we therefore had no access to national currency. We clearly understood however, that currency (even play money) is merely a medium of exchange; with its value being determined by the users; namely us.

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.. _static_will:
Static vs Bonded Liquidity Pools for CICs
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:date: 2021-01-16
:modified: 2021-01-19
:tags: liquidity, pools, defi
:author: Will Ruddick
:slug: static-vs-bonded-liquidity
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.
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:alt: static-will1
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.
Next let's talk about a Bonded pool - the kind you will find in Uniswap or the Bancor Network.
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:alt: static-will2
In the algorithmic exchange rate or bonded pool above. A community creating a CIC can similarly decide to add some of their CIC A token supply to a common pool along with some tokens from another community B.
Now if anyone wants to push in A tokens to that pool they can get out B tokens with an initial 1:1 exchange rate - but every time you dd more As you get less and less Bs out. This can virtually go on forever until for each A added you only get 0.0000001 Bs and so on.
This create another way for community A and B to trade with each other with continuous liquidity but changing exchange rates. There can be a lot more added to the liquidity contracts, such as oracles that can adjust prices and investment shares that can grow based on exchange fees which are also options. Communities could also create DAOs and vote on which pools are allowed into the network. But let's stick with the simple versions mentioned above and compare them a bit further:
.. image:: images/blog/static-will3.webp
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:alt: static-will3
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 <https://www.grassrootseconomics.org/post/dex-multitudes>`_
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 <https://github.com/bancorprotocol/contracts-solidity>`_ -that can accommodate an extremely diverse set of pools - creating really decentralized typologies for common pooling of Community Inclusion Currencies.

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.. _youthemp_will:
Youth Employment via Elderly/Vulnerable Support
##################################################
:date: 2021-01-28
:tags: elderly, youth, Basic Income
:author: Will Ruddick
:slug: youth-employment-via-elderly
.. image:: images/blog/youth-will1.webp
:align: center
:alt: youth-will1
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-will2.webp
:align: center
:alt: youth-will2
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
.. image:: images/blog/youth-will3.webp
:align: center
:alt: youth-will3
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.

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<dd><a href="/red-cross-brings-community-currency-to-kisauni.html">Red Cross brings Community Currency to Kisauni</a></dd>
<dt>Thu 08 April 2021</dt>
<dd><a href="/grassroots-economics-has-a-new-director-shalia-agha.html">Grassroots Economics has a New Director: Shaila Agha</a></dd>
<dt>Sun 28 March 2021</dt>
<dd><a href="/kakuma-refugee-testimonial.html">Kakuma Refugee Testimonial</a></dd>
<dt>Sat 13 March 2021</dt>
<dd><a href="/recycling-debt.html">Recycling Debt (Kusaga Deni, Kubali Sarafu)</a></dd>
<dt>Sat 13 February 2021</dt>
<dd><a href="/refugee-economics-kakuma.html">Refugee Economics in Kakuma Kenya</a></dd>
<dt>Wed 10 February 2021</dt>
<dd><a href="/kilifi-kenya.html">Kilifi Kenya - a hub for Community Driven Basic Income</a></dd>
<dt>Thu 28 January 2021</dt>
<dd><a href="/youth-employment-via-elderly.html">Youth Employment via Elderly/Vulnerable Support</a></dd>
<dt>Sat 23 January 2021</dt>
<dd><a href="/municipal-basic-income.html">Municipal Basic Income(MBI) via CIC</a></dd>
<dt>Sat 16 January 2021</dt>
<dd><a href="/static-vs-bonded-liquidity.html">Static vs Bonded Liquidity Pools for CICs</a></dd>
<dt>Thu 14 January 2021</dt>
<dd><a href="/self-funded-regnerative-agriculture.html">Self-Funded Regenerative Agriculture Kwale Site January Visit</a></dd>
<dt>Thu 07 January 2021</dt>
<dd><a href="/community-currencies-and-dex.html">Community Currencies and DEX Multitudes</a></dd>
</dl>
</section>
<section id="extras" class="body">

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<h1 class="entry-title"><a href="/kakuma-refugee-testimonial.html">Kakuma Refugee Testimonial</a></h1>
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<abbr class="published" title="2021-03-28T00:00:00+03:00">
Published: Sun 28 March 2021
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<address class="vcard author">
By <a class="url fn" href="/author/amina-godana.html">Amina Godana</a>
<a class="url fn" href="/author/janet-akinyi-atieno.html">Janet Akinyi Atieno</a>
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<p>In <a href="/category/blog.html">blog</a>.</p>
</footer><!-- /.post-info --><p>After <a class="reference external" href="https://www.grassrootseconomics.org/post/kakuma-refugee-testimonial">after hearing about sarafu</a> local leaders of a small community group started building a support network in their community. Nyota explains below how after living in the refugee camp for 10 years, Sarafu has helped her to maintain trade with her community and grow their collective farming even when there are no shillings available.</p>
<iframe width="740" height="416" src="https://www.youtube.com/embed/9F71cGmPfbM" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe><br><div class="line-block">
<div class="line"><br /></div>
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<img alt="kakuma-amina1" class="align-center" src="/images/blog/kakuma-amina1.webp" />
<p>Here the <a class="reference external" href="https://www.grassrootseconomics.org/post/refugee-economics-in-kakuma-kenya">FHE group in Kakuma</a> are meeting to talk about community farming and community inclusion currencies which they learned more about after a trip to Siaya Kenya..</p>
<img alt="kakuma-amina2" class="align-center" src="/images/blog/kakuma-amina2.webp" />
<p>Here the Kaukuma community leaders traveled to Siaya to learn about how Sarafu is used there and about community farming practices that Sarafu helps to make economically sustainable (circular economy). Communities teaching other communities how to use Community Currency is always the best way to share.</p>
<img alt="kakuma-amina3" class="align-center" src="/images/blog/kakuma-amina3.webp" style="width: 100%;" />
<p>This is the beginning of a new community farm in Siaya where the Kakuma team was learning. The poster is showing the intention of the community farm and soil regenerative practices that are being used. Below is a testimonial of one of the farmers in Siaya that taught the Kakuma refugees to follow their example to build a strong local economy.</p>
<iframe width="740" height="416" src="https://www.youtube.com/embed/mlcov4Gy_mI" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe> </article>
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<h2>links</h2>
<ul>
<li><a href="https://getpelican.com/">Pelican</a></li>
<li><a href="https://www.python.org/">Python.org</a></li>
<li><a href="https://palletsprojects.com/p/jinja/">Jinja2</a></li>
<li><a href="#">You can modify those links in your config file</a></li>
</ul>
</div><!-- /.blogroll -->
<div class="social">
<h2>social</h2>
<ul>
<li><a href="#">You can add links in your config file</a></li>
<li><a href="#">Another social link</a></li>
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<h1 class="entry-title"><a href="/recycling-debt.html">Recycling Debt (Kusaga Deni, Kubali Sarafu)</a></h1>
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<abbr class="published" title="2021-03-13T00:00:00+03:00">
Published: Sat 13 March 2021
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<address class="vcard author">
By <a class="url fn" href="/author/isavary-khabuqwi.html">Isavary Khabuqwi</a>
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<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/debt.html">debt</a> <a href="/tag/defaulters.html">defaulters</a> <a href="/tag/lenders.html">lenders</a> <a href="/tag/debtors.html">debtors</a> </p>
</footer><!-- /.post-info --><img alt="" class="align-left" src="/images/blog/recycling1.webp" />
<p>Imagine having to endure constant reminders and threatening messages from predatory lenders your entire life.</p>
<p>Imagine going out of business because youve loaned out too many of your products to people in need.</p>
<p>This is daily life here in Kenya</p>
<p><strong>Debtors suffer:</strong> 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 <a class="reference external" href="https://www.kenyans.co.ke/news/49839-cbk-steps-suicide-rates-rise-over-debts">suicide rates of debtors</a></p>
<p><strong>Lenders suffer:</strong> 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?</p>
<iframe width="360" height="203" src="https://www.youtube.com/embed/pptoX5HRkB8" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe><p>This situation creates what is known as economic gridlock (see video), strife and a culture that doesnt care for each other. Frankly speaking, I believe weve been rendered unable to pay our debts by so many broken systems - we simply cant solve this problem with the current national economic system which condones and profits off of it.</p>
<p>As a woman in her thirties and a single mother by choice, Ive 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.</p>
<p><strong>The fact is 2020 was a tough year!</strong> 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”?</p>
<p><strong>Recycle Debt:</strong> 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.</p>
<p><strong>Lenders are Heroes:</strong> 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).</p>
<p><strong>Debtors support Lenders:</strong> Rather than keep asking for loans you can create your own Sarafu, which will help you purchase goods and services when youre 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 <a class="reference external" href="https://www.instagram.com/kilifikulture">Kilifi Kulture</a></p>
<p><strong>Kusaga deni, kubali Sarafu</strong> 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. Its quite easy to see a useful tool when you need it.</p>
<p>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 youre willing to share your strength with those around you, then youre a hero.</p>
<p><a class="reference external" href="https://www.grassrootseconomics.org/contact">Contact us to join a group of economic heroes in Kenya</a></p>
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<section id="content" class="body">
<h1>Other articles</h1>
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<h1><a href="/kilifi-kenya.html" rel="bookmark"
title="Permalink to Kilifi Kenya - a hub for Community Driven Basic Income">Kilifi Kenya - a hub for Community Driven Basic Income</a></h1>
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<footer class="post-info">
<abbr class="published" title="2021-02-10T00:00:00+03:00">
Published: Wed 10 February 2021
</abbr>
<br />
<abbr class="modified" title="2021-02-12T00:00:00+03:00">
Updated: Fri 12 February 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/isavary-khabuqwi.html">Isavary Khabuqwi</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/kilifi.html">Kilifi</a> <a href="/tag/kenya.html">Kenya</a> <a href="/tag/debt.html">debt</a> <a href="/tag/basic-income.html">Basic income</a> <a href="/tag/community-currency.html">Community currency</a> </p>
</footer><!-- /.post-info --> <p>The current reality is that following Covid-19 many have fallen deeper and deeper into debt. However, most individuals would still not openly disclose this reality to avoid the negative connotation that comes with owing. Imagine a world where household debt is no longer an individual burden, but rather a tool …</p>
<a class="readmore" href="/kilifi-kenya.html">read more</a>
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<h2>links</h2>
<ul>
<li><a href="https://getpelican.com/">Pelican</a></li>
<li><a href="https://www.python.org/">Python.org</a></li>
<li><a href="https://palletsprojects.com/p/jinja/">Jinja2</a></li>
<li><a href="#">You can modify those links in your config file</a></li>
</ul>
</div><!-- /.blogroll -->
<div class="social">
<h2>social</h2>
<ul>
<li><a href="#">You can add links in your config file</a></li>
<li><a href="#">Another social link</a></li>
</ul>
</div><!-- /.social -->
</section><!-- /#extras -->
<footer id="contentinfo" class="body">
<address id="about" class="vcard body">
Proudly powered by <a href="https://getpelican.com/">Pelican</a>, which takes great advantage of <a href="https://www.python.org/">Python</a>.
</address><!-- /#about -->
<p>The theme is by <a href="https://www.smashingmagazine.com/2009/08/designing-a-html-5-layout-from-scratch/">Smashing Magazine</a>, thanks!</p>
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<h1 class="entry-title"><a href="/self-funded-regnerative-agriculture.html">Self-Funded Regenerative Agriculture Kwale Site January Visit</a></h1>
<footer class="post-info">
<abbr class="published" title="2021-01-14T00:00:00+03:00">
Published: Thu 14 January 2021
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<address class="vcard author">
By <a class="url fn" href="/author/james-thiongo.html">James-thiong'o</a>
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<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/syntropic.html">syntropic</a> <a href="/tag/agroforestry.html">agroforestry</a> <a href="/tag/regen.html">regen</a> <a href="/tag/food-forest.html">food forest</a> </p>
</footer><!-- /.post-info --><img alt="self-fund-james1" class="align-center" src="images/blog/self-fund-james1.webp" />
<p><em>Based on the design found in the Kwale Sites the above poster was created by W.Ruddick</em></p>
<p>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.</p>
<img alt="self-fund-james2" class="align-center" src="images/blog/self-fund-james2.webp" />
<p>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.</p>
<p>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.</p>
<img alt="self-fund-james3" class="align-center" src="images/blog/self-fund-james3.webp" />
<div class="section" id="topics-covered">
<h2>Topics Covered.</h2>
</div>
<div class="section" id="planting-succession">
<h2>1. Planting succession.</h2>
<p>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.</p>
<p>Factors to consider when planting.</p>
<p>a). The height of the crop when mature.</p>
<p>b). The space that the crop occupies upon maturity.</p>
<p>c). The time the crop takes before it matures and is harvested.</p>
<p>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.</p>
</div>
<div class="section" id="munlching">
<h2>2. Munlching</h2>
<p>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.</p>
<p>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.</p>
</div>
<div class="section" id="organic-pest-control">
<h2>3. Organic Pest Control</h2>
<ol class="arabic simple">
<li>We covered Integrated Pest Management which is a holistic method for solving pest and disease problems.</li>
<li>Using Biological methods by creating habitats for beneficial insects and organisms, growing diverse crops and planting repellents such as onions, lemon grass and chillies.</li>
<li>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.</li>
<li>Using mechanical methods such as handpicking caterpillars and using water pressure on aphids.</li>
</ol>
</div>
<div class="section" id="next-steps-to-take">
<h2>Next steps to take.</h2>
<ol class="arabic simple">
<li>Increase plant species diversity.</li>
<li>Continue mulching on the paths and beds.</li>
<li>Plant more intensively on the beds occupy all the growing space.</li>
<li>Keep pest population low, continuously check on pest and disease on the crops and act immediately.</li>
<li>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.</li>
<li>Carry out soil test to determine and document improvements made in soil organic matter.</li>
</ol>
<p>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 .</p>
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<h1 class="entry-title"><a href="/kakuma-refugee-testimonial.html">Kakuma Refugee Testimonial</a></h1>
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<abbr class="published" title="2021-03-28T00:00:00+03:00">
Published: Sun 28 March 2021
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<address class="vcard author">
By <a class="url fn" href="/author/amina-godana.html">Amina Godana</a>
<a class="url fn" href="/author/janet-akinyi-atieno.html">Janet Akinyi Atieno</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
</footer><!-- /.post-info --><p>After <a class="reference external" href="https://www.grassrootseconomics.org/post/kakuma-refugee-testimonial">after hearing about sarafu</a> local leaders of a small community group started building a support network in their community. Nyota explains below how after living in the refugee camp for 10 years, Sarafu has helped her to maintain trade with her community and grow their collective farming even when there are no shillings available.</p>
<iframe width="740" height="416" src="https://www.youtube.com/embed/9F71cGmPfbM" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe><br><div class="line-block">
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<img alt="kakuma-amina1" class="align-center" src="/images/blog/kakuma-amina1.webp" />
<p>Here the <a class="reference external" href="https://www.grassrootseconomics.org/post/refugee-economics-in-kakuma-kenya">FHE group in Kakuma</a> are meeting to talk about community farming and community inclusion currencies which they learned more about after a trip to Siaya Kenya..</p>
<img alt="kakuma-amina2" class="align-center" src="/images/blog/kakuma-amina2.webp" />
<p>Here the Kaukuma community leaders traveled to Siaya to learn about how Sarafu is used there and about community farming practices that Sarafu helps to make economically sustainable (circular economy). Communities teaching other communities how to use Community Currency is always the best way to share.</p>
<img alt="kakuma-amina3" class="align-center" src="/images/blog/kakuma-amina3.webp" style="width: 100%;" />
<p>This is the beginning of a new community farm in Siaya where the Kakuma team was learning. The poster is showing the intention of the community farm and soil regenerative practices that are being used. Below is a testimonial of one of the farmers in Siaya that taught the Kakuma refugees to follow their example to build a strong local economy.</p>
<iframe width="740" height="416" src="https://www.youtube.com/embed/mlcov4Gy_mI" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe> </article>
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<h2>social</h2>
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<h1 class="entry-title"><a href="/refugee-economics-kakuma.html">Refugee Economics in Kakuma Kenya</a></h1>
<footer class="post-info">
<abbr class="published" title="2021-02-13T00:00:00+03:00">
Published: Sat 13 February 2021
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By <a class="url fn" href="/author/marcelin-munga-petro.html">Marcelin Munga Petro</a>
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<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/refugee.html">refugee</a> <a href="/tag/kakuma.html">kakuma</a> <a href="/tag/sarafu.html">sarafu</a> </p>
</footer><!-- /.post-info --><img alt="refugee1" class="align-center" src="/images/blog/refugee1.webp" />
<p>Short description of FHE community based organization.</p>
<p>dear sir/madam</p>
<p>Greetings, I'm MARCELIN MUNGA PETRO a Congolese by nationality being recognized under UNHCR as a refugee in side kakuma refugee camp.</p>
<p>I'm the founder and CEO of FHE organization that mean Farming and Health Education, the organization include 31 members who are contributing their own efforts and ideas in order to push the FHE vision, mission and objectives. FHE is Community Based Organization that works in Kakuma refugee camp to address the dire of health, protection and psychological needs of the children their families and the communities, with one of our strategy focuses being strengthen the community based protection mechanism. Enabling communities to be done active in protection.</p>
<img alt="refugee2" class="align-center" src="/images/blog/refugee2.webp" />
<p>In addition FHE includes in its permaculture gardens and trainings, health testing and counseling training course, the pure COUNSELLING TRAINING COURSE, hygiene and sanitation training course component that seeks to improve the over all of adult education in kakuma refugee camp.</p>
<p>In this regard,we are conducting adult education or training vocational center and doing some awareness in the community with the aim being to engage individual discussion on adult education and other programs carried out by the FHE as well as to create self environment for the communities.</p>
<img alt="refugee3" class="align-center" src="/images/blog/refugee3.webp" />
<p>With our program objectives, a basic income of SARAFU curbs some of the gaps that are facing. Often our members fall into debt - but when members use Sarafu this helps even in membership monthly contribution, and our group can also offer training to the community for Sarafu. If enough of us refugees trade with each other we don't suffer from missing Kenyan Shillings and debts. I can decide to buy food for my family using Sarafu to fill the gap of missing Shillings - and I can accept the Sarafu back for my teaching or food from my garden - even when we have no SHILLINGS! We all work together as a community.</p>
<p>We kindly request for support from Red Cross and other Humanitarian organizations in helping us spread Sarafu training to the rest of Kakuma to improve and give hope to the refugee community.</p>
<p>best regards</p>
<p>F.H.E CEO MARCELIN MUNGA PETRO</p>
</article>
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</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/organization.html">organization</a> <a href="/tag/directors.html">directors</a> <a href="/tag/staff.html">staff</a> <a href="/tag/mission.html">mission</a> </p>
</footer><!-- /.post-info --><img alt="" class="align-center" src="/images/shaila_agha.webp" />
</footer><!-- /.post-info --><img alt="" class="align-center" src="/images/blog/shaila_agha.webp" />
<p>When I was 9 years old, my mother came home one day with a monopoly board game. It was the beginning of the March holidays and she wanted to provide us with an alternative activity to watching cartoons. Every day after that, my brother and I would insistently play game after game; holding on to our colourful money as if our future depended on it. Like all children, we eventually lost interest in the game. However, the colorful currency notes then became our most valuable asset. We used it as a means of exchange to incentivize each other to do each other's chores, as a rental fee to play with shared toys and even for buying candy off each other. We lived in the middle of rural Kenya, with almost no neighbours or shops, we therefore had no access to national currency. We clearly understood however, that currency (even play money) is merely a medium of exchange; with its value being determined by the users; namely us.</p>
<p>Sarafu the pioneering Community Inclusion Currency (CIC) in Kenya, is not so different from the monopoly money my sibling and I used all those years ago. Vulnerable households and communities have no access to credit due to a cycle of poverty that has systematically excluded them from the economy. “Hand a man a fish, he eats for the day, teach him to fish, and he can eat for a lifetime” CIC aims to include the untapped markets who desperately need goods and services yet lack the capacity to pay for them. By including them in the economy, not only do they become empowered, they are given an opportunity to actively participate in value creation and change their lives. The work of Grassroots Economics has not gotten the attention it deserves from national and regional governments as well as partners in finance and technology spaces. I seek to put an end to that and make sure that field tested best practices and open source technology spread wide and far to heal our society and planet.</p>
<p>When I was studying Fintech disruptions in traditional finance systems at Oxford, I decided to start my course by asking the question, How does money affect social order and why is money necessary at all. CICs are seen as radical reforms to broken systems, they are however, a proven working alternative that is demonstrating a major impact on the power distribution in the local economy. I am eager to measure the impact and get firsthand grassroot evidence on its successes and failures. With a long term multiplier effect of more than 21 times traditional donor aid assistance, this intervention seems to do what donor aid has failed to in the past, create self sufficiency and self reliance. Most importantly we need all hands on deck focused on education and regenerative agriculture programs across the planet and we need a financial system to finance this, create sustainable economies and fair distribution of our common resources.</p>

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<div class="section" id="by-emmanuel-mbui">
<h2>By Emmanuel Mbui</h2>
<p>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.</p>
<img alt="redcross-will1" class="align-center" src="/images/redcross-will1.webp" />
<img alt="redcross-will1" class="align-center" src="/images/blog/redcross-will1.webp" />
<p>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.
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.</p>
<p>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.</p>
@ -43,18 +43,18 @@ Jackton at his place of work in Manyani village accepts payment in sarafu for th
<h2>By Amina Godana</h2>
<p>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.</p>
<p>Here are some testimonials of users who have benefited with the usage of sarafu in the area.</p>
<img alt="redcross-will2" class="align-center" src="/images/redcross-will2.webp" />
<img alt="redcross-will2" class="align-center" src="/images/blog/redcross-will2.webp" />
<p>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.)</p>
<img alt="redcross-will3" class="align-center" src="/images/redcross-will3.webp" style="width: 100%;" />
<img alt="redcross-will3" class="align-center" src="/images/blog/redcross-will3.webp" style="width: 100%;" />
<p>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.</p>
<img alt="redcross-will4" class="align-center" src="/images/redcross-will4.webp" />
<img alt="redcross-will4" class="align-center" src="/images/blog/redcross-will4.webp" />
<p>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.</p>
<p>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.</p>
</div>
<div class="section" id="by-janet-otieno-akinyi">
<h2>By Janet Otieno Akinyi</h2>
<p>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.</p>
<img alt="redcross-will5" class="align-center" src="/images/redcross-will5.webp" />
<img alt="redcross-will5" class="align-center" src="/images/blog/redcross-will5.webp" />
<p><em>&quot;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</em> !</p>
<p><em>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.</em></p>
<p><em>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, Ive 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. Im grateful to Sarafu and Im looking forward to referring more people to Sarafu so that I can grow my network.” Fatuma narrated.</em></p>
@ -76,20 +76,124 @@ Jackton at his place of work in Manyani village accepts payment in sarafu for th
<p>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.</p>
<p>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.</p>
<p>Below are examples of success stories from a group of users who form a good trading loop amongst themselves;</p>
<img alt="redcross-will6" class="align-center" src="/images/redcross-will6.webp" />
<img alt="redcross-will6" class="align-center" src="/images/blog/redcross-will6.webp" />
<p>Mathew Musyoka a resident of Mjambere community is a middle aged man who runs a Chemist .</p>
<p>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.</p>
<p>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.</p>
<p>Christine is a food vendor from Mathews network and whose son at one point got sick and She was able to get some OTC medicine from Mathews chemist. Christine on the other hand is supporting the community by accepting Sarafu for her chapati.</p>
<p>Abdallahs 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.</p>
<img alt="redcross-will7" class="align-center" src="/images/redcross-will7.webp" />
<img alt="redcross-will7" class="align-center" src="/images/blog/redcross-will7.webp" />
<p>Zaiwabu Moraa a grocer lady located a few meters from Mathews chemist is also connected to this active network and has supported her network by accepting sarafu for groceries and fries.</p>
<img alt="redcross-will8" class="align-center" src="/images/redcross-will8.webp" />
<img alt="redcross-will8" class="align-center" src="/images/blog/redcross-will8.webp" />
<p>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.</p>
<p>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 .</p>
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title="Permalink to Youth Employment via Elderly/Vulnerable Support">Youth Employment via Elderly/Vulnerable Support</a></h1>
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<abbr class="published" title="2021-01-28T00:00:00+03:00">
Published: Thu 28 January 2021
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<address class="vcard author">
By <a class="url fn" href="/author/will-ruddick.html">Will Ruddick</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/elderly.html">elderly</a> <a href="/tag/youth.html">youth</a> <a href="/tag/basic-income.html">Basic Income</a> </p>
</footer><!-- /.post-info --> <img alt="youth-will1" class="align-center" src="images/blog/youth-will1.webp" />
<p>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 …</p>
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<h1><a href="/municipal-basic-income.html" rel="bookmark"
title="Permalink to Municipal Basic Income(MBI) via CIC">Municipal Basic Income(MBI) via CIC</a></h1>
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<abbr class="published" title="2021-01-23T00:00:00+03:00">
Published: Sat 23 January 2021
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<br />
<abbr class="modified" title="2021-01-24T00:00:00+03:00">
Updated: Sun 24 January 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/will-ruddick.html">Will Ruddick</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/ubi.html">UBI</a> <a href="/tag/basic-income.html">Basic Income</a> <a href="/tag/municipe.html">municipe</a> <a href="/tag/mbi.html">MBI</a> </p>
</footer><!-- /.post-info --> <img alt="municipal-will1" class="align-center" src="images/blog/municipal-will1.webp" />
<p>A municipality, town or local administration is an ideal issuer and anchor for a basic/guaranteed income because the have the means to back it and the intention to build sustainable and thriving local markets Such a Municipal Basic Income (MBI) can in turn act as a growth medium and …</p>
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<h1><a href="/static-vs-bonded-liquidity.html" rel="bookmark"
title="Permalink to Static vs Bonded Liquidity Pools for CICs">Static vs Bonded Liquidity Pools for CICs</a></h1>
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<div class="entry-content">
<footer class="post-info">
<abbr class="published" title="2021-01-16T00:00:00+03:00">
Published: Sat 16 January 2021
</abbr>
<br />
<abbr class="modified" title="2021-01-19T00:00:00+03:00">
Updated: Tue 19 January 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/will-ruddick.html">Will Ruddick</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/liquidity.html">liquidity</a> <a href="/tag/pools.html">pools</a> <a href="/tag/defi.html">defi</a> </p>
</footer><!-- /.post-info --> <p>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 …</p>
<a class="readmore" href="/static-vs-bonded-liquidity.html">read more</a>
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<h1><a href="/community-currencies-and-dex.html" rel="bookmark"
title="Permalink to Community Currencies and DEX Multitudes">Community Currencies and DEX Multitudes</a></h1>
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<footer class="post-info">
<abbr class="published" title="2021-01-07T00:00:00+03:00">
Published: Thu 07 January 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/will-ruddick.html">Will Ruddick</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/syntropic.html">syntropic</a> <a href="/tag/agroforestry.html">agroforestry</a> <a href="/tag/regen.html">regen</a> <a href="/tag/food-forest.html">food forest</a> </p>
</footer><!-- /.post-info --> <p>Decentralized Exchange (DEX) Contracts contain multitudes. There are nearly infinite ways to use them to connect blockchain contracts (like Community Inclusion Currencies) for different use cases. Using them opens us up decentralized network topologies that we would never have dreamed of with old fashion stock exchanges and other financial instruments …</p>
<a class="readmore" href="/community-currencies-and-dex.html">read more</a>
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</section><!-- /#content -->
<section id="extras" class="body">
<div class="blogroll">
<h2>links</h2>

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@ -18,8 +18,13 @@
<section id="content" class="body">
<h1>Authors on grassroots-pelican</h1>
<ul>
<li><a href="/author/amina-godana.html">Amina Godana</a> (1)</li>
<li><a href="/author/isavary-khabuqwi.html">Isavary Khabuqwi</a> (2)</li>
<li><a href="/author/james-thiongo.html">James-thiong'o</a> (1)</li>
<li><a href="/author/janet-akinyi-atieno.html">Janet Akinyi Atieno</a> (1)</li>
<li><a href="/author/marcelin-munga-petro.html">Marcelin Munga Petro</a> (1)</li>
<li><a href="/author/shaila-agha.html">Shaila Agha</a> (1)</li>
<li><a href="/author/will-ruddick.html">Will Ruddick</a> (1)</li>
<li><a href="/author/will-ruddick.html">Will Ruddick</a> (5)</li>
</ul>
</section>

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</header><!-- /#banner -->
<h1>Categories on grassroots-pelican</h1>
<ul>
<li><a href="/category/blog.html">blog</a> (2)</li>
<li><a href="/category/blog.html">blog</a> (11)</li>
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<div class="section" id="by-emmanuel-mbui">
<h2>By Emmanuel Mbui</h2>
<p>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.</p>
<img alt="redcross-will1" class="align-center" src="/images/redcross-will1.webp" />
<img alt="redcross-will1" class="align-center" src="/images/blog/redcross-will1.webp" />
<p>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.
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.</p>
<p>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.</p>
@ -43,18 +43,18 @@ Jackton at his place of work in Manyani village accepts payment in sarafu for th
<h2>By Amina Godana</h2>
<p>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.</p>
<p>Here are some testimonials of users who have benefited with the usage of sarafu in the area.</p>
<img alt="redcross-will2" class="align-center" src="/images/redcross-will2.webp" />
<img alt="redcross-will2" class="align-center" src="/images/blog/redcross-will2.webp" />
<p>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.)</p>
<img alt="redcross-will3" class="align-center" src="/images/redcross-will3.webp" style="width: 100%;" />
<img alt="redcross-will3" class="align-center" src="/images/blog/redcross-will3.webp" style="width: 100%;" />
<p>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.</p>
<img alt="redcross-will4" class="align-center" src="/images/redcross-will4.webp" />
<img alt="redcross-will4" class="align-center" src="/images/blog/redcross-will4.webp" />
<p>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.</p>
<p>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.</p>
</div>
<div class="section" id="by-janet-otieno-akinyi">
<h2>By Janet Otieno Akinyi</h2>
<p>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.</p>
<img alt="redcross-will5" class="align-center" src="/images/redcross-will5.webp" />
<img alt="redcross-will5" class="align-center" src="/images/blog/redcross-will5.webp" />
<p><em>&quot;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</em> !</p>
<p><em>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.</em></p>
<p><em>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, Ive 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. Im grateful to Sarafu and Im looking forward to referring more people to Sarafu so that I can grow my network.” Fatuma narrated.</em></p>
@ -76,15 +76,15 @@ Jackton at his place of work in Manyani village accepts payment in sarafu for th
<p>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.</p>
<p>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.</p>
<p>Below are examples of success stories from a group of users who form a good trading loop amongst themselves;</p>
<img alt="redcross-will6" class="align-center" src="/images/redcross-will6.webp" />
<img alt="redcross-will6" class="align-center" src="/images/blog/redcross-will6.webp" />
<p>Mathew Musyoka a resident of Mjambere community is a middle aged man who runs a Chemist .</p>
<p>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.</p>
<p>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.</p>
<p>Christine is a food vendor from Mathews network and whose son at one point got sick and She was able to get some OTC medicine from Mathews chemist. Christine on the other hand is supporting the community by accepting Sarafu for her chapati.</p>
<p>Abdallahs 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.</p>
<img alt="redcross-will7" class="align-center" src="/images/redcross-will7.webp" />
<img alt="redcross-will7" class="align-center" src="/images/blog/redcross-will7.webp" />
<p>Zaiwabu Moraa a grocer lady located a few meters from Mathews chemist is also connected to this active network and has supported her network by accepting sarafu for groceries and fries.</p>
<img alt="redcross-will8" class="align-center" src="/images/redcross-will8.webp" />
<img alt="redcross-will8" class="align-center" src="/images/blog/redcross-will8.webp" />
<p>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.</p>
<p>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 .</p>
</div>
@ -112,12 +112,218 @@ Jackton at his place of work in Manyani village accepts payment in sarafu for th
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/organization.html">organization</a> <a href="/tag/directors.html">directors</a> <a href="/tag/staff.html">staff</a> <a href="/tag/mission.html">mission</a> </p>
</footer><!-- /.post-info --> <img alt="" class="align-center" src="/images/shaila_agha.webp" />
</footer><!-- /.post-info --> <img alt="" class="align-center" src="/images/blog/shaila_agha.webp" />
<p>When I was 9 years old, my mother came home one day with a monopoly board game. It was the beginning of the March holidays and she wanted to provide us with an alternative activity to watching cartoons. Every day after that, my brother and I would insistently play game …</p>
<a class="readmore" href="/grassroots-economics-has-a-new-director-shalia-agha.html">read more</a>
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<h1><a href="/kakuma-refugee-testimonial.html" rel="bookmark"
title="Permalink to Kakuma Refugee Testimonial">Kakuma Refugee Testimonial</a></h1>
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<footer class="post-info">
<abbr class="published" title="2021-03-28T00:00:00+03:00">
Published: Sun 28 March 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/amina-godana.html">Amina Godana</a>
<a class="url fn" href="/author/janet-akinyi-atieno.html">Janet Akinyi Atieno</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
</footer><!-- /.post-info --> <p>After <a class="reference external" href="https://www.grassrootseconomics.org/post/kakuma-refugee-testimonial">after hearing about sarafu</a> local leaders of a small community group started building a support network in their community. Nyota explains below how after living in the refugee camp for 10 years, Sarafu has helped her to maintain trade with her community and grow their collective farming even when …</p>
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<h1><a href="/recycling-debt.html" rel="bookmark"
title="Permalink to Recycling Debt (Kusaga Deni, Kubali Sarafu)">Recycling Debt (Kusaga Deni, Kubali Sarafu)</a></h1>
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<abbr class="published" title="2021-03-13T00:00:00+03:00">
Published: Sat 13 March 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/isavary-khabuqwi.html">Isavary Khabuqwi</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/debt.html">debt</a> <a href="/tag/defaulters.html">defaulters</a> <a href="/tag/lenders.html">lenders</a> <a href="/tag/debtors.html">debtors</a> </p>
</footer><!-- /.post-info --> <img alt="" class="align-left" src="/images/blog/recycling1.webp" />
<p>Imagine having to endure constant reminders and threatening messages from predatory lenders your entire life.</p>
<p>Imagine going out of business because youve loaned out too many of your products to people in need.</p>
<p>This is daily life here in Kenya</p>
<p><strong>Debtors suffer:</strong> People are taking on debts from payment …</p>
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<h1><a href="/refugee-economics-kakuma.html" rel="bookmark"
title="Permalink to Refugee Economics in Kakuma Kenya">Refugee Economics in Kakuma Kenya</a></h1>
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<abbr class="published" title="2021-02-13T00:00:00+03:00">
Published: Sat 13 February 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/marcelin-munga-petro.html">Marcelin Munga Petro</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/refugee.html">refugee</a> <a href="/tag/kakuma.html">kakuma</a> <a href="/tag/sarafu.html">sarafu</a> </p>
</footer><!-- /.post-info --> <img alt="refugee1" class="align-center" src="/images/blog/refugee1.webp" />
<p>Short description of FHE community based organization.</p>
<p>dear sir/madam</p>
<p>Greetings, I'm MARCELIN MUNGA PETRO a Congolese by nationality being recognized under UNHCR as a refugee in side kakuma refugee camp.</p>
<p>I'm the founder and CEO of FHE organization that mean Farming and Health Education, the organization include 31 members …</p>
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<h1><a href="/kilifi-kenya.html" rel="bookmark"
title="Permalink to Kilifi Kenya - a hub for Community Driven Basic Income">Kilifi Kenya - a hub for Community Driven Basic Income</a></h1>
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<footer class="post-info">
<abbr class="published" title="2021-02-10T00:00:00+03:00">
Published: Wed 10 February 2021
</abbr>
<br />
<abbr class="modified" title="2021-02-12T00:00:00+03:00">
Updated: Fri 12 February 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/isavary-khabuqwi.html">Isavary Khabuqwi</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/kilifi.html">Kilifi</a> <a href="/tag/kenya.html">Kenya</a> <a href="/tag/debt.html">debt</a> <a href="/tag/basic-income.html">Basic income</a> <a href="/tag/community-currency.html">Community currency</a> </p>
</footer><!-- /.post-info --> <p>The current reality is that following Covid-19 many have fallen deeper and deeper into debt. However, most individuals would still not openly disclose this reality to avoid the negative connotation that comes with owing. Imagine a world where household debt is no longer an individual burden, but rather a tool …</p>
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<h1><a href="/youth-employment-via-elderly.html" rel="bookmark"
title="Permalink to Youth Employment via Elderly/Vulnerable Support">Youth Employment via Elderly/Vulnerable Support</a></h1>
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<footer class="post-info">
<abbr class="published" title="2021-01-28T00:00:00+03:00">
Published: Thu 28 January 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/will-ruddick.html">Will Ruddick</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/elderly.html">elderly</a> <a href="/tag/youth.html">youth</a> <a href="/tag/basic-income.html">Basic Income</a> </p>
</footer><!-- /.post-info --> <img alt="youth-will1" class="align-center" src="images/blog/youth-will1.webp" />
<p>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 …</p>
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<h1><a href="/municipal-basic-income.html" rel="bookmark"
title="Permalink to Municipal Basic Income(MBI) via CIC">Municipal Basic Income(MBI) via CIC</a></h1>
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<footer class="post-info">
<abbr class="published" title="2021-01-23T00:00:00+03:00">
Published: Sat 23 January 2021
</abbr>
<br />
<abbr class="modified" title="2021-01-24T00:00:00+03:00">
Updated: Sun 24 January 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/will-ruddick.html">Will Ruddick</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/ubi.html">UBI</a> <a href="/tag/basic-income.html">Basic Income</a> <a href="/tag/municipe.html">municipe</a> <a href="/tag/mbi.html">MBI</a> </p>
</footer><!-- /.post-info --> <img alt="municipal-will1" class="align-center" src="images/blog/municipal-will1.webp" />
<p>A municipality, town or local administration is an ideal issuer and anchor for a basic/guaranteed income because the have the means to back it and the intention to build sustainable and thriving local markets Such a Municipal Basic Income (MBI) can in turn act as a growth medium and …</p>
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<h1><a href="/static-vs-bonded-liquidity.html" rel="bookmark"
title="Permalink to Static vs Bonded Liquidity Pools for CICs">Static vs Bonded Liquidity Pools for CICs</a></h1>
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<abbr class="published" title="2021-01-16T00:00:00+03:00">
Published: Sat 16 January 2021
</abbr>
<br />
<abbr class="modified" title="2021-01-19T00:00:00+03:00">
Updated: Tue 19 January 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/will-ruddick.html">Will Ruddick</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/liquidity.html">liquidity</a> <a href="/tag/pools.html">pools</a> <a href="/tag/defi.html">defi</a> </p>
</footer><!-- /.post-info --> <p>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 …</p>
<a class="readmore" href="/static-vs-bonded-liquidity.html">read more</a>
</div><!-- /.entry-content -->
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<header>
<h1><a href="/self-funded-regnerative-agriculture.html" rel="bookmark"
title="Permalink to Self-Funded Regenerative Agriculture Kwale Site January Visit">Self-Funded Regenerative Agriculture Kwale Site January Visit</a></h1>
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<footer class="post-info">
<abbr class="published" title="2021-01-14T00:00:00+03:00">
Published: Thu 14 January 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/james-thiongo.html">James-thiong'o</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/syntropic.html">syntropic</a> <a href="/tag/agroforestry.html">agroforestry</a> <a href="/tag/regen.html">regen</a> <a href="/tag/food-forest.html">food forest</a> </p>
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<p><em>Based on the design found in the Kwale Sites the above poster was created by W.Ruddick</em></p>
<p>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 …</p>
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<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/syntropic.html">syntropic</a> <a href="/tag/agroforestry.html">agroforestry</a> <a href="/tag/regen.html">regen</a> <a href="/tag/food-forest.html">food forest</a> </p>
</footer><!-- /.post-info --> <p>Decentralized Exchange (DEX) Contracts contain multitudes. There are nearly infinite ways to use them to connect blockchain contracts (like Community Inclusion Currencies) for different use cases. Using them opens us up decentralized network topologies that we would never have dreamed of with old fashion stock exchanges and other financial instruments …</p>
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<abbr class="published" title="2021-01-07T00:00:00+03:00">
Published: Thu 07 January 2021
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By <a class="url fn" href="/author/will-ruddick.html">Will Ruddick</a>
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<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/syntropic.html">syntropic</a> <a href="/tag/agroforestry.html">agroforestry</a> <a href="/tag/regen.html">regen</a> <a href="/tag/food-forest.html">food forest</a> </p>
</footer><!-- /.post-info --> <p>Decentralized Exchange (DEX) Contracts contain multitudes. There are nearly infinite ways to use them to connect blockchain contracts (like Community Inclusion Currencies) for different use cases. Using them opens us up decentralized network topologies that we would never have dreamed of with old fashion stock exchanges and other financial instruments. The best part is that they can be used by anyone in the world with access to internet or even just an inexpensive phone using USSD/SMS.</p>
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</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/organization.html">organization</a> <a href="/tag/directors.html">directors</a> <a href="/tag/staff.html">staff</a> <a href="/tag/mission.html">mission</a> </p>
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<p>When I was 9 years old, my mother came home one day with a monopoly board game. It was the beginning of the March holidays and she wanted to provide us with an alternative activity to watching cartoons. Every day after that, my brother and I would insistently play game after game; holding on to our colourful money as if our future depended on it. Like all children, we eventually lost interest in the game. However, the colorful currency notes then became our most valuable asset. We used it as a means of exchange to incentivize each other to do each other's chores, as a rental fee to play with shared toys and even for buying candy off each other. We lived in the middle of rural Kenya, with almost no neighbours or shops, we therefore had no access to national currency. We clearly understood however, that currency (even play money) is merely a medium of exchange; with its value being determined by the users; namely us.</p>
<p>Sarafu the pioneering Community Inclusion Currency (CIC) in Kenya, is not so different from the monopoly money my sibling and I used all those years ago. Vulnerable households and communities have no access to credit due to a cycle of poverty that has systematically excluded them from the economy. “Hand a man a fish, he eats for the day, teach him to fish, and he can eat for a lifetime” CIC aims to include the untapped markets who desperately need goods and services yet lack the capacity to pay for them. By including them in the economy, not only do they become empowered, they are given an opportunity to actively participate in value creation and change their lives. The work of Grassroots Economics has not gotten the attention it deserves from national and regional governments as well as partners in finance and technology spaces. I seek to put an end to that and make sure that field tested best practices and open source technology spread wide and far to heal our society and planet.</p>
<p>When I was studying Fintech disruptions in traditional finance systems at Oxford, I decided to start my course by asking the question, How does money affect social order and why is money necessary at all. CICs are seen as radical reforms to broken systems, they are however, a proven working alternative that is demonstrating a major impact on the power distribution in the local economy. I am eager to measure the impact and get firsthand grassroot evidence on its successes and failures. With a long term multiplier effect of more than 21 times traditional donor aid assistance, this intervention seems to do what donor aid has failed to in the past, create self sufficiency and self reliance. Most importantly we need all hands on deck focused on education and regenerative agriculture programs across the planet and we need a financial system to finance this, create sustainable economies and fair distribution of our common resources.</p>

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<div class="section" id="by-emmanuel-mbui">
<h2>By Emmanuel Mbui</h2>
<p>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.</p>
<img alt="redcross-will1" class="align-center" src="/images/redcross-will1.webp" />
<img alt="redcross-will1" class="align-center" src="/images/blog/redcross-will1.webp" />
<p>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.
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.</p>
<p>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.</p>
@ -43,18 +43,18 @@ Jackton at his place of work in Manyani village accepts payment in sarafu for th
<h2>By Amina Godana</h2>
<p>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.</p>
<p>Here are some testimonials of users who have benefited with the usage of sarafu in the area.</p>
<img alt="redcross-will2" class="align-center" src="/images/redcross-will2.webp" />
<img alt="redcross-will2" class="align-center" src="/images/blog/redcross-will2.webp" />
<p>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.)</p>
<img alt="redcross-will3" class="align-center" src="/images/redcross-will3.webp" style="width: 100%;" />
<img alt="redcross-will3" class="align-center" src="/images/blog/redcross-will3.webp" style="width: 100%;" />
<p>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.</p>
<img alt="redcross-will4" class="align-center" src="/images/redcross-will4.webp" />
<img alt="redcross-will4" class="align-center" src="/images/blog/redcross-will4.webp" />
<p>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.</p>
<p>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.</p>
</div>
<div class="section" id="by-janet-otieno-akinyi">
<h2>By Janet Otieno Akinyi</h2>
<p>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.</p>
<img alt="redcross-will5" class="align-center" src="/images/redcross-will5.webp" />
<img alt="redcross-will5" class="align-center" src="/images/blog/redcross-will5.webp" />
<p><em>&quot;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</em> !</p>
<p><em>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.</em></p>
<p><em>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, Ive 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. Im grateful to Sarafu and Im looking forward to referring more people to Sarafu so that I can grow my network.” Fatuma narrated.</em></p>
@ -76,15 +76,15 @@ Jackton at his place of work in Manyani village accepts payment in sarafu for th
<p>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.</p>
<p>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.</p>
<p>Below are examples of success stories from a group of users who form a good trading loop amongst themselves;</p>
<img alt="redcross-will6" class="align-center" src="/images/redcross-will6.webp" />
<img alt="redcross-will6" class="align-center" src="/images/blog/redcross-will6.webp" />
<p>Mathew Musyoka a resident of Mjambere community is a middle aged man who runs a Chemist .</p>
<p>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.</p>
<p>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.</p>
<p>Christine is a food vendor from Mathews network and whose son at one point got sick and She was able to get some OTC medicine from Mathews chemist. Christine on the other hand is supporting the community by accepting Sarafu for her chapati.</p>
<p>Abdallahs 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.</p>
<img alt="redcross-will7" class="align-center" src="/images/redcross-will7.webp" />
<img alt="redcross-will7" class="align-center" src="/images/blog/redcross-will7.webp" />
<p>Zaiwabu Moraa a grocer lady located a few meters from Mathews chemist is also connected to this active network and has supported her network by accepting sarafu for groceries and fries.</p>
<img alt="redcross-will8" class="align-center" src="/images/redcross-will8.webp" />
<img alt="redcross-will8" class="align-center" src="/images/blog/redcross-will8.webp" />
<p>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.</p>
<p>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 .</p>
</div>
@ -112,12 +112,218 @@ Jackton at his place of work in Manyani village accepts payment in sarafu for th
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/organization.html">organization</a> <a href="/tag/directors.html">directors</a> <a href="/tag/staff.html">staff</a> <a href="/tag/mission.html">mission</a> </p>
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<p>When I was 9 years old, my mother came home one day with a monopoly board game. It was the beginning of the March holidays and she wanted to provide us with an alternative activity to watching cartoons. Every day after that, my brother and I would insistently play game …</p>
<a class="readmore" href="/grassroots-economics-has-a-new-director-shalia-agha.html">read more</a>
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<abbr class="published" title="2021-03-28T00:00:00+03:00">
Published: Sun 28 March 2021
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By <a class="url fn" href="/author/amina-godana.html">Amina Godana</a>
<a class="url fn" href="/author/janet-akinyi-atieno.html">Janet Akinyi Atieno</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
</footer><!-- /.post-info --> <p>After <a class="reference external" href="https://www.grassrootseconomics.org/post/kakuma-refugee-testimonial">after hearing about sarafu</a> local leaders of a small community group started building a support network in their community. Nyota explains below how after living in the refugee camp for 10 years, Sarafu has helped her to maintain trade with her community and grow their collective farming even when …</p>
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title="Permalink to Recycling Debt (Kusaga Deni, Kubali Sarafu)">Recycling Debt (Kusaga Deni, Kubali Sarafu)</a></h1>
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</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/debt.html">debt</a> <a href="/tag/defaulters.html">defaulters</a> <a href="/tag/lenders.html">lenders</a> <a href="/tag/debtors.html">debtors</a> </p>
</footer><!-- /.post-info --> <img alt="" class="align-left" src="/images/blog/recycling1.webp" />
<p>Imagine having to endure constant reminders and threatening messages from predatory lenders your entire life.</p>
<p>Imagine going out of business because youve loaned out too many of your products to people in need.</p>
<p>This is daily life here in Kenya</p>
<p><strong>Debtors suffer:</strong> People are taking on debts from payment …</p>
<a class="readmore" href="/recycling-debt.html">read more</a>
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<h1><a href="/refugee-economics-kakuma.html" rel="bookmark"
title="Permalink to Refugee Economics in Kakuma Kenya">Refugee Economics in Kakuma Kenya</a></h1>
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<abbr class="published" title="2021-02-13T00:00:00+03:00">
Published: Sat 13 February 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/marcelin-munga-petro.html">Marcelin Munga Petro</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/refugee.html">refugee</a> <a href="/tag/kakuma.html">kakuma</a> <a href="/tag/sarafu.html">sarafu</a> </p>
</footer><!-- /.post-info --> <img alt="refugee1" class="align-center" src="/images/blog/refugee1.webp" />
<p>Short description of FHE community based organization.</p>
<p>dear sir/madam</p>
<p>Greetings, I'm MARCELIN MUNGA PETRO a Congolese by nationality being recognized under UNHCR as a refugee in side kakuma refugee camp.</p>
<p>I'm the founder and CEO of FHE organization that mean Farming and Health Education, the organization include 31 members …</p>
<a class="readmore" href="/refugee-economics-kakuma.html">read more</a>
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<h1><a href="/kilifi-kenya.html" rel="bookmark"
title="Permalink to Kilifi Kenya - a hub for Community Driven Basic Income">Kilifi Kenya - a hub for Community Driven Basic Income</a></h1>
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<footer class="post-info">
<abbr class="published" title="2021-02-10T00:00:00+03:00">
Published: Wed 10 February 2021
</abbr>
<br />
<abbr class="modified" title="2021-02-12T00:00:00+03:00">
Updated: Fri 12 February 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/isavary-khabuqwi.html">Isavary Khabuqwi</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/kilifi.html">Kilifi</a> <a href="/tag/kenya.html">Kenya</a> <a href="/tag/debt.html">debt</a> <a href="/tag/basic-income.html">Basic income</a> <a href="/tag/community-currency.html">Community currency</a> </p>
</footer><!-- /.post-info --> <p>The current reality is that following Covid-19 many have fallen deeper and deeper into debt. However, most individuals would still not openly disclose this reality to avoid the negative connotation that comes with owing. Imagine a world where household debt is no longer an individual burden, but rather a tool …</p>
<a class="readmore" href="/kilifi-kenya.html">read more</a>
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<h1><a href="/youth-employment-via-elderly.html" rel="bookmark"
title="Permalink to Youth Employment via Elderly/Vulnerable Support">Youth Employment via Elderly/Vulnerable Support</a></h1>
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<footer class="post-info">
<abbr class="published" title="2021-01-28T00:00:00+03:00">
Published: Thu 28 January 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/will-ruddick.html">Will Ruddick</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/elderly.html">elderly</a> <a href="/tag/youth.html">youth</a> <a href="/tag/basic-income.html">Basic Income</a> </p>
</footer><!-- /.post-info --> <img alt="youth-will1" class="align-center" src="images/blog/youth-will1.webp" />
<p>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 …</p>
<a class="readmore" href="/youth-employment-via-elderly.html">read more</a>
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<h1><a href="/municipal-basic-income.html" rel="bookmark"
title="Permalink to Municipal Basic Income(MBI) via CIC">Municipal Basic Income(MBI) via CIC</a></h1>
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<abbr class="published" title="2021-01-23T00:00:00+03:00">
Published: Sat 23 January 2021
</abbr>
<br />
<abbr class="modified" title="2021-01-24T00:00:00+03:00">
Updated: Sun 24 January 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/will-ruddick.html">Will Ruddick</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/ubi.html">UBI</a> <a href="/tag/basic-income.html">Basic Income</a> <a href="/tag/municipe.html">municipe</a> <a href="/tag/mbi.html">MBI</a> </p>
</footer><!-- /.post-info --> <img alt="municipal-will1" class="align-center" src="images/blog/municipal-will1.webp" />
<p>A municipality, town or local administration is an ideal issuer and anchor for a basic/guaranteed income because the have the means to back it and the intention to build sustainable and thriving local markets Such a Municipal Basic Income (MBI) can in turn act as a growth medium and …</p>
<a class="readmore" href="/municipal-basic-income.html">read more</a>
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<h1><a href="/static-vs-bonded-liquidity.html" rel="bookmark"
title="Permalink to Static vs Bonded Liquidity Pools for CICs">Static vs Bonded Liquidity Pools for CICs</a></h1>
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<abbr class="published" title="2021-01-16T00:00:00+03:00">
Published: Sat 16 January 2021
</abbr>
<br />
<abbr class="modified" title="2021-01-19T00:00:00+03:00">
Updated: Tue 19 January 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/will-ruddick.html">Will Ruddick</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/liquidity.html">liquidity</a> <a href="/tag/pools.html">pools</a> <a href="/tag/defi.html">defi</a> </p>
</footer><!-- /.post-info --> <p>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 …</p>
<a class="readmore" href="/static-vs-bonded-liquidity.html">read more</a>
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<h1><a href="/self-funded-regnerative-agriculture.html" rel="bookmark"
title="Permalink to Self-Funded Regenerative Agriculture Kwale Site January Visit">Self-Funded Regenerative Agriculture Kwale Site January Visit</a></h1>
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<footer class="post-info">
<abbr class="published" title="2021-01-14T00:00:00+03:00">
Published: Thu 14 January 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/james-thiongo.html">James-thiong'o</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/syntropic.html">syntropic</a> <a href="/tag/agroforestry.html">agroforestry</a> <a href="/tag/regen.html">regen</a> <a href="/tag/food-forest.html">food forest</a> </p>
</footer><!-- /.post-info --> <img alt="self-fund-james1" class="align-center" src="images/blog/self-fund-james1.webp" />
<p><em>Based on the design found in the Kwale Sites the above poster was created by W.Ruddick</em></p>
<p>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 …</p>
<a class="readmore" href="/self-funded-regnerative-agriculture.html">read more</a>
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<abbr class="published" title="2021-01-07T00:00:00+03:00">
Published: Thu 07 January 2021
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<address class="vcard author">
By <a class="url fn" href="/author/will-ruddick.html">Will Ruddick</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
<p>tags: <a href="/tag/syntropic.html">syntropic</a> <a href="/tag/agroforestry.html">agroforestry</a> <a href="/tag/regen.html">regen</a> <a href="/tag/food-forest.html">food forest</a> </p>
</footer><!-- /.post-info --> <p>Decentralized Exchange (DEX) Contracts contain multitudes. There are nearly infinite ways to use them to connect blockchain contracts (like Community Inclusion Currencies) for different use cases. Using them opens us up decentralized network topologies that we would never have dreamed of with old fashion stock exchanges and other financial instruments …</p>
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<li><a href="https://www.python.org/">Python.org</a></li>
<li><a href="https://palletsprojects.com/p/jinja/">Jinja2</a></li>
<li><a href="#">You can modify those links in your config file</a></li>
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<h2>social</h2>
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<li><a href="#">You can add links in your config file</a></li>
<li><a href="#">Another social link</a></li>
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Proudly powered by <a href="https://getpelican.com/">Pelican</a>, which takes great advantage of <a href="https://www.python.org/">Python</a>.
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<p>The theme is by <a href="https://www.smashingmagazine.com/2009/08/designing-a-html-5-layout-from-scratch/">Smashing Magazine</a>, thanks!</p>
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<meta name="description" content="After after hearing about sarafu local leaders of a small community group started building a support network in their community. Nyota explains..." />
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<div class="entry-content">
<footer class="post-info">
<abbr class="published" title="2021-03-28T00:00:00+03:00">
Published: Sun 28 March 2021
</abbr>
<address class="vcard author">
By <a class="url fn" href="/author/amina-godana.html">Amina Godana</a>
<a class="url fn" href="/author/janet-akinyi-atieno.html">Janet Akinyi Atieno</a>
</address>
<p>In <a href="/category/blog.html">blog</a>.</p>
</footer><!-- /.post-info --> <p>After <a class="reference external" href="https://www.grassrootseconomics.org/post/kakuma-refugee-testimonial">after hearing about sarafu</a> local leaders of a small community group started building a support network in their community. Nyota explains below how after living in the refugee camp for 10 years, Sarafu has helped her to maintain trade with her community and grow their collective farming even when there are no shillings available.</p>
<iframe width="740" height="416" src="https://www.youtube.com/embed/9F71cGmPfbM" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe><br><div class="line-block">
<div class="line"><br /></div>
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<img alt="kakuma-amina1" class="align-center" src="/images/blog/kakuma-amina1.webp" />
<p>Here the <a class="reference external" href="https://www.grassrootseconomics.org/post/refugee-economics-in-kakuma-kenya">FHE group in Kakuma</a> are meeting to talk about community farming and community inclusion currencies which they learned more about after a trip to Siaya Kenya..</p>
<img alt="kakuma-amina2" class="align-center" src="/images/blog/kakuma-amina2.webp" />
<p>Here the Kaukuma community leaders traveled to Siaya to learn about how Sarafu is used there and about community farming practices that Sarafu helps to make economically sustainable (circular economy). Communities teaching other communities how to use Community Currency is always the best way to share.</p>
<img alt="kakuma-amina3" class="align-center" src="/images/blog/kakuma-amina3.webp" style="width: 100%;" />
<p>This is the beginning of a new community farm in Siaya where the Kakuma team was learning. The poster is showing the intention of the community farm and soil regenerative practices that are being used. Below is a testimonial of one of the farmers in Siaya that taught the Kakuma refugees to follow their example to build a strong local economy.</p>
<iframe width="740" height="416" src="https://www.youtube.com/embed/mlcov4Gy_mI" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>
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<h2>links</h2>
<ul>
<li><a href="https://getpelican.com/">Pelican</a></li>
<li><a href="https://www.python.org/">Python.org</a></li>
<li><a href="https://palletsprojects.com/p/jinja/">Jinja2</a></li>
<li><a href="#">You can modify those links in your config file</a></li>
</ul>
</div><!-- /.blogroll -->
<div class="social">
<h2>social</h2>
<ul>
<li><a href="#">You can add links in your config file</a></li>
<li><a href="#">Another social link</a></li>
</ul>
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Proudly powered by <a href="https://getpelican.com/">Pelican</a>, which takes great advantage of <a href="https://www.python.org/">Python</a>.
</address><!-- /#about -->
<p>The theme is by <a href="https://www.smashingmagazine.com/2009/08/designing-a-html-5-layout-from-scratch/">Smashing Magazine</a>, thanks!</p>
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