Archive for the 'Microfinance' Category

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Published by Jarred on February 4, 2009 in Computing, Microfinance and Web 2.0. View Comments

BUY Mebaral ONLINE NO PRESCRIPTION, Yesterday, Kiva.org (which we profiled here) announced that it was creating a developer community and releasing a set of APIs.  With this bold stroke, Kiva transforms itself from microfinacing product to microfinancing platform.  This is very exiting, and I'm going to do my best to tell you why without losing you over too many technical details.

You may have heard Taylor or me mention the term "API" in the past, order Mebaral online c.o.d, Buy generic Mebaral, but I don't think we've done a very good job of explaining what it means.  An API (which stands for Application Programming Interface) is essentially a set of computer commands and protocols that allows one piece of software to request information from another.  In short, the API is the language of software: the requesting software calls for information, online buy Mebaral without a prescription, Where can i buy Mebaral online, and the source software delivers it.  Each program has its own "dialect" that the requesting software must employ in order to get the information it needs; when a company "releases" an API, then, buy cheap Mebaral, Where to buy Mebaral, it is essentially publishing the dictionary and grammar guide for that program's language.

For example, real brand Mebaral online, Buy Mebaral without a prescription, if you are using a Windows PC, every program running on your computer right now -- from AIM to Chrome to iTunes to MSWord -- is making use of the Windows API to access resources from Windows XP or Vista.  Web applications often release APIs as well: Google and Facebook have APIs that allow developers to call for information from their services -- whether it be search results, order Mebaral from United States pharmacy, Comprar en línea Mebaral, comprar Mebaral baratos, map tiles, or your social graph -- and employ it in their own web applications (see my post on mashups).  By releasing numerous and robust APIs, online buying Mebaral hcl, Fast shipping Mebaral, companies essentially turn what were once simple products into foundations that can be built upon by those willing to learn and use the language.  The product evolves into what is called a "platform."

Transitioning from web product to web platform is a sign of not only a product's success and confidence, but also its maturity.  The release of an API shows that the service itself is structured and strong enough to handle not only its own traffic, canada, mexico, india, Buy Mebaral from canada, but also an unknowable number of outside requests.  It carries a guarantee of a certain level of reliability of the service, as well -- that it will suffer minimal downtime and will return clean data for every request.  But perhaps most importantly, Mebaral trusted pharmacy reviews, Where can i find Mebaral online, the movement from product to platform signals an realization by the company that its mission can not be achieved in its own walled garden.  Whether your goal is to connect the world together like Facebook, or to organize the world's information like Google: if your ambitions are lofty, Mebaral for sale, Kjøpe Mebaral på nett, köpa Mebaral online, then you have to open up yours doors so that others can leverage your resources for unique and innovative applications.

So when Kiva.org, buy Mebaral online cod, Where to buy Mebaral, an already quite successful microfinancing service, announces that they are releasing APIs, purchase Mebaral, Buy Mebaral without prescription, I salute them.  With this announcement, they celebrate their success and confirm their maturity and commitment to their cause.  But what does this really mean in the details?  Let's turn to their announcement:

Here are some of the things you can request through the API:

  • all of the loans at Kiva currently raising funds

  • all of the entrepreneurs from Uganda and Peru which have fully repaid their loans

  • the latest lending activity on Kiva

  • financial nitty-gritty for any of our loans

  • the list of loans made by any one of Kiva’s lenders with a public lender page


[...]

So what will you build, japan, craiglist, ebay, overseas, paypal. Mebaral price, coupon, If you’re at a loss for ideas we’ve started a running list of many of the great ideas we’ve heard about so far. Here are a few:


  • an application for iPhone or Blackberry that let’s you keep up with Kiva on the go

  • a service where lenders can register for alerts on new entrepreneurs they want to fund

  • integration into a social network where friends can engage around each others’ activity and loan updates on Kiva

  • a map that simulates the realtime transfer of funds across the globe



You should see by now where this is going.  The possibilities are limited only by the creativity of developers and the interest levels of the users.  By making itself the first great social giving platform, buying Mebaral online over the counter, Purchase Mebaral online, Kiva.org is providing the resources and tools for programmers to leverage its robust platform to do good in the world.  And that's something worth being really excited about. Ordering Mebaral online. Buy no prescription Mebaral online. Buy Mebaral online no prescription. Mebaral price, coupon. Canada, mexico, india. Where can i buy cheapest Mebaral online. Buy Mebaral from canada. Buy generic Mebaral. Purchase Mebaral. Buy Mebaral no prescription. Rx free Mebaral. Buy no prescription Mebaral online. Buy cheap Mebaral no rx. Order Mebaral from United States pharmacy. Where to buy Mebaral. Where can i order Mebaral without prescription. Purchase Mebaral online. Mebaral for sale. Buy Mebaral from mexico.

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Published by Jarred on May 19, 2008 in Blogging, Business, Microfinance, Philanthropy Online, Social Networks and Web 2.0. View Comments

BUY Pilex ONLINE NO PRESCRIPTION, Your Attention, Pretty Please?

In March 2007, Alex Iskold wrote about the emergence of the "attention economy", a marketplace "where consumers agree to receive services in exchange for their attention." The always-on nature of digital media has increased the scarcity of human attention, and in turn has increased its value. Order Pilex from mexican pharmacy, To put it concretely: the more time a company can get you to spend on their website, the more ad revenue they can potentially earn or the higher the likelihood that you'll purchase one of their products, buy cheap Pilex. Where can i order Pilex without prescription, I mention the attention economy not to wax theoretic about it, but to share my personal struggle with choosing how to invest my attention, Pilex for sale. Real brand Pilex online, I've been thinking a lot recently about the purpose of all this technology reading and writing that I do. I enjoy thinking about the topics that I regularly cover, buy no prescription Pilex online. The evolution of web 2.0 and social network is fascinating to me, and it plays well to my geek tendencies, BUY Pilex ONLINE NO PRESCRIPTION. Buy Pilex from mexico, But my brain has been flirting recently with what bloggers have started to call "social media fatigue," an exhaustion resulting from the overexposure to and overanalysis of those topics, purchase Pilex online no prescription. Buy Pilex online no prescription, There's Hope

However, my passion for social media was reinvigorated last week when I was directed to a web page where a friend was raising money to support her marathon run in honor of her college roommate's struggle with cancer, rx free Pilex. Pilex trusted pharmacy reviews, I put the link up in my Gmail status and sent an email to some of my fellow classmates to let them know about it. Though I certainly can't and wouldn't claim to have made a huge impact, purchase Pilex, Order Pilex online overnight delivery no prescription, I think a few of the donors that day decided to act because of that simple message and link from a friend. BUY Pilex ONLINE NO PRESCRIPTION, By the end of the day, my friend had raised several hundred dollars, and as of today she has raised over $1,000 from over 25 donors.

Though the story is not unique or especially exciting, where can i buy Pilex online, Order Pilex online c.o.d, it brought home for me how much potential there is for social media. So much good can be done! And people create applications on Facebook that allow you to.., buy cheap Pilex no rx. Where to buy Pilex, throw sheep. Give each other cupcakes, canada, mexico, india. Come on, BUY Pilex ONLINE NO PRESCRIPTION. Buying Pilex online over the counter, Luckily, some people have caught on, Pilex price, coupon. Buy Pilex online cod, The Obama campaign has tapped into social networking and the "cognitive surplus" of the wired electorate not only to raise money, but also to organize a decentralized political canvassing machine that has thousands of people knocking on doors and making phone calls, australia, uk, us, usa. Online buying Pilex hcl, Kiva turns web users into micro-lenders by connecting them with entrepreneurs in developing economies. Social Actions "helps individuals and organizations use social media to plan, Pilex samples, Order Pilex from mexican pharmacy, implement, and support peer-to-peer social change campaigns so that grassroots solutions to local and global problems can flourish." These are but a few examples of how a well-implemented social networking strategy can enact positive change, buy Pilex from canada.

The Echo Chamber

Steve Hodson wrote an excellent post last night that called out the tech blogosphere for what it (largely) is: a self-perpetuating eddy BUY Pilex ONLINE NO PRESCRIPTION, on the side of a much more important river, muddied by ego and privilege. Buy Pilex without a prescription, Big words like "revolutionary," "game changing, Pilex gel, ointment, cream, pill, spray, continuous-release, extended-release, Purchase Pilex online, " and "unprecedented" make strings of code sound like columns of soldiers on the march to battle. I am as guilty as the next social media fanatic of too often populating the tech echo chamber with even more useless resonance, kjøpe Pilex på nett, köpa Pilex online. Pilex over the counter, I do not disparage the importance of blogs about the politics, business, buy Pilex no prescription, Fast shipping Pilex, and theories of the Internet. That content is valuable and important, buy Pilex without prescription. But when bloggers and their readers become so wrapped up in the study of these new tools that they lose sight of the greater potential of those tools, then something is dreadfully wrong, BUY Pilex ONLINE NO PRESCRIPTION. Comprar en línea Pilex, comprar Pilex baratos, Attention Has More Potential Value Than We Often Realize

It is certainly important that we pursue our interests, and that we "spend" a good amount of our attention on them, online buy Pilex without a prescription. Pilex from canadian pharmacy, But, as with any currency, ordering Pilex online, Order Pilex no prescription, it's important to think about not only spending it on what we desire, but to think about investing it so that value beyond its intrinsic worth can be created, where to buy Pilex. Where can i find Pilex online, I spend too much time reading and writing about social media, when I could invest my time by learning about how social media can help do good in the world, where can i buy cheapest Pilex online. Order Pilex from United States pharmacy, Images used under Creative Commons licenses courtesy of Flickr users veo and nicdalic.
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Published by Taylor on January 17, 2008 in Microfinance, Philanthropy and Philanthropy Online. View Comments

kiva1.jpg BUY Microlean ONLINE NO PRESCRIPTION, In this, the first in a series of posts on philanthropic efforts utilizing the social web, I look to the microcredit site Kiva.org.*

Let me preface my comments by saying that I think the Kiva is a net positive contribution to the web (and microcredit), and that the good it is doing outweighs any of the secondary negatives I describe below. Right now, where to buy Microlean. Microlean gel, ointment, cream, pill, spray, continuous-release, extended-release, But my concerns about Kiva are less relevant to the still young and still expanding site as they are to what Kiva could become.

Kiva links willing donors in the developed world with opportunities to capitalize small loans for local entrepreneurs in developing countries, order Microlean no prescription. Purchase Microlean, From Kiva's site:

"Kiva lets you connect with and loan money to unique small businesses in the developing world. By choosing a business on Kiva.org, you can "sponsor a business" and help the world's working poor make great strides towards economic independence, BUY Microlean ONLINE NO PRESCRIPTION. Throughout the course of the loan (usually 6-12 months), purchase Microlean online no prescription, Where can i find Microlean online, you can receive email journal updates from the business you've sponsored. As loans are repaid, Microlean for sale, Where can i buy Microlean online, you get your loan money back."

As Kiva's nearly 9,000 devotees on Facebook, buy cheap Microlean no rx, Microlean samples, or its growing group of microfinanciers, would tell you, online buying Microlean hcl, Buy Microlean from mexico, Kiva connects individuals across the globe with opportunities to lend a hand on a person-to-person level...and unlike charity, you'll likely see your loan repaid to lend again or use for other purposes, order Microlean online overnight delivery no prescription. Where to buy Microlean, Sounds good, and it is...with a few qualifications and questions worth pondering:

Will Kiva experience a drought of donor engagement if the only choices present on the site are between projects judged to be loan-worthy by professional microfinance groups, buy cheap Microlean. Order Microlean from United States pharmacy, Right now, nearly every project (as far as I can tell, where can i buy cheapest Microlean online, Rx free Microlean, every project, but I've not followed the site daily so I can't be sure) on Kiva eventually receives a full loan, buying Microlean online over the counter. BUY Microlean ONLINE NO PRESCRIPTION, When waves of good press send droves of new visitors to the site, Kiva suffers from a limited supply of projects and even has to do things like institute a $25 limit on contributions so that as many individuals as possible can lend. Fast shipping Microlean, This shortage is no doubt driven by the time-consuming due diligence performed thousands of miles away by local microfinance partners who supply Kiva with loan-worthy projects. There are great reasons why professionals are making the real selections, where to buy Microlean, Where can i find Microlean online, but doesn't this system stagnate when donors realize that their choices are in fact a formality. What level of engaged and informed choice is appropriate with the sensitive subject of persons livelihoods, Microlean gel, ointment, cream, pill, spray, continuous-release, extended-release, Microlean for sale, and what level is necessary to sustain donor interest.

Maintaining high donor attachment/engagement and preventing trivialization of low income individuals abroad is a challenge I believe Kiva will need to confront continually, buying Microlean online over the counter. Kiva provides a partial fish-bowl effect: we’re watching the progress of people half a world away, BUY Microlean ONLINE NO PRESCRIPTION. Buy Microlean without a prescription, As such, it has the potential to divorce donors from the reality of conditions in the developing world, buy no prescription Microlean online, Purchase Microlean online, turning their loans into a sort of game gambling on the success of poor people.

I think the lenders could prevent this negative effect by making a stronger case for funding their projects on the front end—more information and specifics about individual enterprises, rx free Microlean, Microlean over the counter, community needs and conditions, and potential markets for loan recipients’ businesses, order Microlean online overnight delivery no prescription. Comprar en línea Microlean, comprar Microlean baratos, Demonstrating the thought and planning behind individual projects costs time and resources for the lenders (primarily non profit organizations), but in turn engages donors in the success of the project from a more informed perspective, buy Microlean online no prescription. Where can i buy cheapest Microlean online, The best case scenario here seems to be threefold:


  1. donors who are genuinely invested in the lives of other people thousands of miles away and encouraged to learn more about development issues

  2. lenders who receive the financial backing they need to make loans

  3. loan recipients who receive the necessary monies to finance a new business or grow an existing one (which in turn makes them self-sufficient)


In its current incarnation, KIVA serves the latter purposes well but faces an ongoing challenge with the first, canada, mexico, india. BUY Microlean ONLINE NO PRESCRIPTION, This may come off as a fairly harsh critique of a site that undoubtedly introduces new folks daily to the idea of microfinance and (to some degree) issues in the developing world. Australia, uk, us, usa, I don't mean to be too harsh; as I said above, I think Kiva is a good thing, purchase Microlean. Japan, craiglist, ebay, overseas, paypal, But just because something is a step in the right direction doesn't mean that it can't go further, do more, online buy Microlean without a prescription, Microlean trusted pharmacy reviews, and not lose the momentum that IS so inspiring.

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*For those who are unaware, microcredit and microfinance (different things, kjøpe Microlean på nett, köpa Microlean online, as microcredit is limited to small loans while microfinance includes savings programs, insurance, and other banking products targeted to low income individuals) represent on a basic level the extension of banking services to low income individuals--particularly in the developing world--who are considered too risky to qualify for loans from traditional financial institutions. Small loans are intended to build assets by supporting entrepreneurs with no other avenue for securing start-up or growth capital for their business. This idea was pioneered in Bangladesh by Muhammed Yunus (who won a Nobel Prize for his efforts) in the 1970s. The impact of microfinance is an open question, though lenders can track loan repayment rates as a measure that funds were not squandered and presume that those dollars improved the financial situation of a loan recipient.

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