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Donate to our Charity
The Homemade life supports Kiva - microloans for people in developing countries working to change their lives.  These loans are repaid to our KIVA account, so your donation is used many times to help different people - literally the gift that keeps on giving..

Kiva - Loans that change lives.

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default Re: Kiva - Loans that change lives.

Post by Adrian on 20th July 2010, 5:52 pm

I am as a rule, but its a bit upsetting to see so many people who need help and having to choose one over another.

Adrian
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Post by Compostwoman on 20th July 2010, 5:56 pm

I know, I know...but just concentrate on the ones we CAN help, and see if we can help more in the future. When the loan is paid back, it can be loaned out again!

My opinion of Bob Geldof went up astronomically when he said that live on TV

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Post by Adrian on 20th July 2010, 6:01 pm

Thank you to our newest donor btw - your funds have been added to the Kiva account

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Adrian
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Post by Wilhelm Von Rhomboid on 20th July 2010, 6:12 pm

Compostwoman wrote:
My opinion of Bob Geldof went up astronomically when he said that live on TV

Funny, mine went down when he did that. Could help getting his ego out. Still, he was supposedly ripped to the tits on cocaine at the time, which is not known for its humility-inducing effects.

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Post by Compostwoman on 20th July 2010, 8:51 pm

Ah well Billy we will have to agree to differ in our opinion, then!

Why ever he did it, it still worked...

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Post by Wilhelm Von Rhomboid on 20th July 2010, 8:55 pm

Compostwoman wrote:Ah well Billy we will have to agree to differ in our opinion, then!

Why ever he did it, it still worked...

Because without his profanity no-one would have donated.

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Post by Compostwoman on 20th July 2010, 9:06 pm

Wilhelm Von Rhomboid wrote:
Compostwoman wrote:Ah well Billy we will have to agree to differ in our opinion, then!

Why ever he did it, it still worked...

Because without his profanity no-one would have donated.

Er, no, didn't say that.

And back on topic...

have just found out the other group I mentioned has now got the money they need! Yay!

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Post by Adrian on 25th July 2010, 3:17 pm

We currently have a balance of $21us

$4 short of being able to make another Kiva loan......




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Post by Adrian on 8th August 2010, 12:18 pm

Just a reminder that we are still accepting donations to the Kiva fund.

Any amount is fine (its all adds up ) and all donations are anonymous.
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Adrian
Founder and crotchety old git who wanders around in a threadbare dressing gown muttering

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default Re: Kiva - Loans that change lives.

Post by Mike on 26th June 2011, 12:26 pm

On the question of "interest" ..............

Let me start by making it perfectly clear that Kiva appears to be the best (by far) of these programs. But ......

"Interest" for loans has multiple components and we need to understand that other systems (supposedly) interest free must contain some of these though implemented differently (*)

a) Administration
b) Loss (some percentage of borrowers default)
c) Lender inducement
d) Banker's profit

Now "c" and "d" we can possibly eliminate (certainly we are donating "c") and "a" was specified in the statement but "b" remains unclear. Are we donors also "paying" this? (in effect -- by bearing the loss of any defalted loans)

Please understand that does not affect my judgement about Kiva being best but just my evaluation of whether we are making this microloaning work "without charity" because as long as this component is being donated there remains a charitable component (and there are those who would argue that as long as "c" is donated not really working; that true "it works" includes the current market cost of the funds being loaned)

And that is not (not really) a capitalist vs socialist matter (a socialist system wouldn't call it interest but .....)


(*) Thus traditional Moslem lending (or ancient Jewish) doesn't mean lenders didn't/couldn't profit from loans. The actual prohibition was against "iron sheep contracts" (which I won't try to explain, but in effect like a standard western loan at interest) whereby the lender is assuming no risk. Proper Moslem/Jewish "interest free loans" are more like temporary partnerships (joint ventures). The "lender" does make a profit if the deal works but is subject to loss if it doesn't -- with of course the "normal" amount of profit share on these deals adjusted to cover that possibility. Or returning to the ancient terminology, the sheep aren't made of iron, they could die.

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There is no possibility of social justice on a dead planet except the equality of the grave.
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