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Making tiny loans to poor entrepreneurs in developing countries has long been a popular charitable cause, but it is now gaining traction as an investment. Microfinance, as these loans are known, is aimed at lifting some of the world's most destitute people out of poverty by providing seed money for small businesses. Funding for the loans traditionally has come from charities and government-aid organizations. Now, an increasing number of private funds are steering capital to microfinance. Many of the new investment instruments have been launched by nonprofit organizations long involved in the industry, including Grameen Foundation USA, the Foundation for International Community Assistance, both in Washington. Microfinance investing got a boost this fall when eBay Inc. founder Pierre Omidyar and his wife, Pamela, gave $100 million to Tufts University to create a fund that invests in microfinance vehicles. Microfinance investment funds...lend money for small-scale businesses, such as vending fruit, weaving shawls or operating small farms in poor countries around the world. Calvert Foundation offers Community Investment Notes, which require a minimum $1,000 investment, and can be earmarked to invest in developing countries or other initiatives, including post-Katrina recovery on the Gulf Coast.
Note: Microfinance is one of the most empowering movements in the world. When we let go of our fears around finances and put our money where our heart is, we invite major transformation into both our personal lives and our world. For how to get involved, see http://www.WantToKnow.info/051023microcredit
Alternatives to Violence Project is a conflict-resolution workshop for inmates with a history of violent behavior at Sing Sing Correctional Facility. It is a program started by the Quakers in 1975 and still has strong Quaker involvement from meetings around the county. Each month the program conducts workshops at the prison for some of the most violent offenders in the New York State prison system. "Quakers have been involved in prison ministry for a long time because the founders like George Fox were incarcerated for civil disobedience," said Fred Feucht, 65, a Quaker from the Purchase Meeting and an outside coordinator for the project at the prison. Although the program is steeped in the nonviolent beliefs of the Quakers, most of the volunteers are not Quakers and believe that people need to learn conflict-resolution skills to avoid violence. "We grew out of the Quakers but we reached outside for most of our leaders," Mr. Feucht said. "A lot of our inside leaders are Muslims." Inside, leaders are inmates who have completed the ... workshops and now work as volunteers to conduct and administer the program. Volunteers in the project advocate that violence is the basic cause for people being incarcerated. Many remain involved with the program outside prison, and a group of former project facilitators formed a support group called the Landing Strip. With tougher sentencing laws today, repeat violent offenders may never be freed. For many graduates of the program, it is seen as a last chance.
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[Rodney] Robinson, who teaches at Virgie Binford Education Center, a school inside the Richmond Juvenile Detention Center in Virginia, was just named the National Teacher of the Year by the Council of Chief State School Officers. "He creates a positive school culture by empowering his students - many of whom have experienced trauma - to become civically minded social advocates who use their skills and voices to affect physical and policy changes at their school and in their communities," the council said in a statement. After seeing his mom "transform" while pursuing her GED, Robinson decided to become a history and social studies teacher. He has been teaching for 19 years. In 2015, Robinson moved to teaching at the juvenile detention center because he wanted to understand the school-to-prison pipeline, which refers to strict school policies that can push students from disadvantaged backgrounds to leave school and become incarcerated. Many of the students at Virgie Binford come from impoverished backgrounds, live in high-crime areas and have had negative contact with schools and the judicial system, Principal Ta'Neisha Ford said. The educators' goal is to help these students fall back in love with school. "(Robinson) allows students to really shine and he gives them the tools to succeed," Ford said. Robinson said he's honored to have won the teacher of the year title. He is working on programs to lower high school dropout rates.
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The capacity of renewable energy has overtaken that of fossil fuels in the UK for the first time, in a milestone that experts said would have been unthinkable a few years ago. In the past five years, the amount of renewable capacity has tripled while fossil fuels’ has fallen by one-third, as power stations reached the end of their life or became uneconomic. The result is that between July and September, the capacity of wind, solar, biomass and hydropower reached 41.9 gigawatts, exceeding the 41.2GW capacity of coal, gas and oil-fired power plants. Imperial College London, which compiled the figures, said the rate at which renewables had been built in the past few years was greater than the “dash for gas” in the 1990s. Dr Iain Staffell, who undertook the research, said: “Britain’s power system is slowly but surely walking away from fossil fuels, and this quarter saw a major milestone on the journey.” In terms of installed capacity, wind is the biggest source of renewables at more than 20GW, followed by solar spread across nearly 1m rooftops and in fields. Biomass is third. In the past year, coal capacity has fallen by one-quarter, and there are only six coal-fired plants left in the UK. Coal operators have been affected by the UK’s carbon tax on electricity generation, as well as competition from gas.
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Two tiny robots have landed safely on an asteroid after a Japanese spacecraft dropped them there on Friday. The scientists behind the historic mission expressed their delight as the rovers sent back the first images from the surface of the space rock Ryugu. Dubbed MINERVA-II1, the robotic explorers are the first of their kind to be successfully landed on an asteroid. The Japanese space agency JAXA announced that both units were operational after a period of silence between the unmanned spacecraft Hayabusa-2 depositing them and connection being established with the team on Earth. “I cannot find words to express how happy I am that we were able to realise mobile exploration on the surface of an asteroid,” said Hayabusa-2 project manager Dr Yuichi Tsuda. The rovers will use the low gravity conditions on Ryugu to hop across the asteroid’s surface, measuring temperatures and sending images back to Earth via Hayabusa-2. “I was so moved to see these small rovers successfully explore an asteroid surface because we could not achieve this at the time of Hayabusa, 13 years ago,” said project mission manager Dr Makoto Yoshikawa. The small rovers are the first component of Hayabusa-2’s mission to Ryugu. Next month the spacecraft will deploy an explosive device to blast a hole in the asteroid, allowing rock samples to be taken from its depths. Following that it will release a French-German landing vehicle known as the Mobile Asteroid Surface Scout (MASCOT) to explore the surface in greater detail.
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Boyan Slat spends a lot of time thinking about the ocean. The Dutch inventor has designed the world’s first ocean plastic cleanup system. After five and a half years of hard work, the 23-year-old Slat will watch from dry land as System 001 — a floating barrier nearly 2,000ft long — snakes its way out under the Golden Gate Bridge into the Pacific. Its destination is the Great Pacific Garbage Patch, a gyre of plastic waste twice the size of Texas held in position by ocean currents between California and Hawaii. If all goes to plan ... an array of 60 systems could reduce the amount of plastic there by half by 2025. “I hope that this will be a turning point for the plastic pollution problem,” Slat [said]. “For sixty years it has only gotten worse and worse. Now hopefully we’re turning the tide.” The eradication of the garbage patch, and more broadly the salvation of our oceans, has been Slat’s single-minded goal ever since he was 16 years old, when a diving trip to Greece yielded more plastic bag sightings than fish. Struck by the idea for a floating barrier that could collect plastic using the power of ocean currents alone, he founded his company, The Ocean Cleanup, aged just 18. Because the system is solid rather than a net, Slat says sea life will be protected from becoming ensnared. The hope is that plastic will accumulate as if on a seashore, ready to be collected by boats and taken for recycling.
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A floating tidal stream turbine off the coast of Orkney has produced more green energy in a year than Scotland’s entire wave and tidal sector produced in the 12 years before it came online. In 12 months of full-time operation, the SR2000 turbine supplied the equivalent annual power demand of about 830 households. It produced 3GWh of renewable electricity during its first year of testing. Over the 12 years before its launch ... wave and tidal energies across Scotland had collectively produced 2.983GWh. Andrew Scott, chief executive officer of developers Scotrenewables Tidal Power, said: “The SR2000’s phenomenal performance has set a new benchmark for the tidal industry. “Its first year of testing has delivered a performance level approaching that of widely deployed mature renewable technologies.” He added: “The ability to easily access the SR2000 for routine maintenance has been a significant factor in our ability to generate electricity at such levels over the past 12 months, including over winter.” The team ... said their success – combined with Meygen’s generation of more than 8GWh over the past year from four tidal turbines deployed in the Pentland Firth – is evidence that tidal power generation could be rolled out more widely.
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In New Prague, Minn., population around 7,600, Kendra and Paul Rasmusson [opened a grocery] store that is largely unstaffed. The couple’s young daughter has epilepsy, and they discovered early on that a healthy diet could help her feel better. They couldn’t find enough local, organic items at the big-box store close to town. So ... they opened Farmhouse Market. The numbers wouldn’t work if they were to run it in a traditional way. Inspired by a nearby 24-hour fitness center, they had an idea: Why not create a store that didn’t need staff, for shoppers who wanted organic [food] from local farmers? Members pay $99 a year and use a key card to open the door. They can shop anytime they want. Local farmers, beekeepers and other suppliers have cards, too, so they can restock their supplies at midnight if they want. In Baltimore, the Salvation Army market is tackling an urban version of the grocery-store drought. The DMG Foods was built in the front of a Salvation Army distribution center in a neighborhood where families in public housing mix with Johns Hopkins students and older people who grew up there. The cheery store, whose name is an abbreviation of the organization’s motto, Doing the Most Good, feels a little bit like what Amazon would ship if you typed “grocery store” into the search bar. And in a way, that’s what [founder Maj. Gene]. Hogg did. “We didn’t do this to make money selling groceries,” Mr. Hogg said. “We did this so people could have a neighborhood grocery store with fresh food.”
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Charitable giving surged to a record high in 2017 as Americans gave more than $400 billion for the first time ever to a wide variety of organizations. Giving jumped 5.2% from last year to an estimated $410.02 billion in 2017, according to Giving USA 2018, the Giving USA Foundation’s annual report on philanthropy. The report, researched and written by the Indiana University Lilly Family School of Philanthropy, found that giving from all sources grew in 2017. Three of the four sources posted gains of more than 5%: Giving by corporations increased 8%, foundations 6% and individuals 5%. "The increase in giving in 2017 was generated in part by increases in the stock markets, as evidenced by the nearly 20% growth in the S&P 500," said Amir Pasic, dean of the Indiana University Lilly Family School of Philanthropy. Gifts to foundations saw the biggest increase in 2017, rising 15.5%, as large investment returns were the basis for several large gifts given by individual philanthropists to their foundations. The second-largest increase was an 8.7% jump in gifts to the arts, culture and humanities. Religious organizations, however, continue to receive the most charitable support, with contributions rising 2.9% to $127.37 billion. While the overall amount of giving by Americans has risen ... The Chronicle of Philanthropy reports that from 2000 to 2014, the share of Americans donating to charity fell from 66.2% to 55.5%. Many nonprofits have turned their focus to attracting more big gifts.
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Michael Tubbs, the 27-year-old mayor of Stockton, California, has a radical plan to combat poverty in his cash-strapped city: a "no strings" guaranteed basic income of $500 a month for its residents. Starting in early 2019, Tubbs plans to provide the monthly stipend to a select group of residents as part of a privately funded 18-month experiment to assess how people use the money. "And then, maybe, in two or three years, we can have a much more informed discussion about the social safety net, the income floor people deserve and the best way to do it, because we'll have more data and research," Tubbs told Reuters. The idea of governments providing a universal basic income to their citizens has been gaining traction globally. The Finnish government is running a two-year trial to provide 2,000 unemployed people with monthly payments of approximately $660. In Alaska, each resident has long received an annual dividend check from oil revenues from the Alaska Permanent Fund, which Tubbs said is a model for his approach. For 31-year-old Shay Holliman ... an extra $500 a month would just allow her to make ends meet. She ... works a 9-5 job at a local nonprofit then drives for Uber and Lyft in the evenings and at weekends. "I still can't pay all my bills," she said. Tubbs says he "felt almost a moral responsibility" to do something "a little bit out the box" for his city. "And I know, for me, I want to live in a community where people's basic needs are met," he said.
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The most successful female Everest climber said after finishing her ninth ascent of the world's highest mountain that she wants to inspire all women so they too can achieve their dreams. Lhakpa Sherpa was guiding some 50 climbers with her brother when she scaled the 8,850-meter (29,035-foot) peak last week, breaking her own record for the most climbs of Mount Everest by a woman. "If an uneducated woman who is a single mother can climb Everest nine times, any woman can achieve their dreams," Sherpa said. "I want be an inspiration to all the women in the world that they too can achieve their goal," she said. The 44-year-old Sherpa never got a chance for formal education because she was already working carrying climbing gear and supplies for the trekkers. She plans to climb the mountain again next year. Her recent climb was the toughest of the nine, she said, adding there was a lot of wind and snow. This successful expedition is likely to help her brother Mingma's mountaineering company grow. It would also mean that Lhakpa can continue to climb Everest. She says she is also looking forward to seeing her three children back in Connecticut, where she works as a dishwasher at the Whole Foods Market in West Hartford. At [a] ceremony in Kathmandu, [the] tourism community honored her and and the overall record-holder for successful Everest climbs, Kami Rita, who has reached the summit 22 times, for their achievement.
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“The world isn’t short of water, it’s just in the wrong place, and too salty," says Charlie Paton – so he's spent the past 24 years building the technology to prove it. Paton is the founder of Seawater Greenhouse, a company that transforms two abundant resources – sunshine and seawater – into freshwater for growing crops in arid, coastal regions such as Africa’s horn. His latest project [is] in Somaliland (an autonomous but internationally unrecognised republic in Somalia). On a 25-hectare plot of desert land close to the coastline, he’s building the region’s first sustainable, drought-resistant greenhouse. Using solar power to pump in seawater from the coastline and desalinate it on site, Paton is generating freshwater to irrigate plants, and water vapour to cool and humidify the greenhouse interior. Less than a year after its launch, this improbable desert oasis produced its first harvest of lettuce, cucumbers and tomatoes. This year he plans to build an on-site training centre to teach local farmers how to grow greenhouse vegetables. The structure’s modular design will enable farmers to adopt their own one- to five-hectare plots – the dream being a network of connected, drought-resistant farms running across the country. “One of the exciting things is that it can work all the way along our long Red Sea coastline, bringing new sources of income in arid, pastoral areas,” Shibeshi says. “If you have a greenhouse, you aren’t worried about whether there’s rain or no rain.”
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Western Europe’s last naturally caused famine ended 150 years ago. In ... Finland, more than a quarter of a million people – nearly 10% of the population – starved to death. Last year ... Finland was ranked, by assorted international indices, the most stable, the safest and the best-governed country in the world. It was also the third wealthiest, the third least corrupt, the second most socially progressive and the third most socially just. Finland’s judicial system is the most independent in the world, its police the most trusted, its banks the soundest, its companies the second most ethical, its elections the second freest, and its citizens enjoy the highest levels of personal freedom, choice and wellbeing. The Nordic country’s 5.5 million inhabitants are also the third most gender-equal in the world and have the fifth lowest income inequality. Their babies are the least underweight, their kids feel the most secure, and their teens perform the second best at reading (only third at science, though). In a century and a half, they seem to have done rather well. The magic sauce ... seems based mainly on basic virtues: self-confidence, cooperation, equality, respect for education, trust. At bottom and in practice, says [Finnish journalist] Anu Partanen ... it boils down to a different quality of relationship. She calls it ... the Nordic theory of love. “In a society, it means policy choices aimed at ensuring the greatest possible degree of independence, freedom and opportunity for everyone.”
Note: Watch this 10-minute video about how Finland completely turned around it's education system to become #1 in the world, largely by cutting out homework. The above article is part of an inspiring new Guardian series investigating the things that are going right in the world.
Chile has officially designated a national park network including land privately donated by a US couple. The government signed a deal with Kristine McDivitt Tompkins, who worked with late husband Doug for decades to protect areas of Patagonia. Chilean President Michelle Bachelet called the signing an "unprecedented preservation effort". Tompkins Conservation, the not-for-profit organisation set up by the couple, said the area being protected was roughly the size of Switzerland. Their donation is thought to be the largest of land by private owners to a country. The move will create five new national parks, and expand three others. In total it adds about 10 million acres of land, about one tenth of which was donated by the Tompkins. The Chilean government wants the string of national parks to span a tourist route of more than 1,500 miles (2,400km) across the country. Mrs Tompkins was formerly the CEO of outdoor brand Patagonia, and her husband was one of the founders of outdoor brands The North Face and Espirit. They relocated to Chile in 1994 to work on conservation, buying up land to ecologically preserve as wilderness. Kristine Tompkins signed an agreement with the national government in March 2017, following her husband's accidental death. Monday's designation was the latest act of natural protection by the outgoing Chilean President Michelle Bachelet. In 2017 an area off the coast of Easter Island was designated as one of the world's largest marine protection zones.
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China is suspending the production of more than 500 car models and model versions that do not meet its fuel economy standards, several automakers confirmed Tuesday, the latest move by Beijing to reduce emissions in the world’s largest auto market and take the lead in battling climate change. The suspension, effective Jan. 1, would affect both domestic carmakers and foreign joint ventures ... in China, where 28 million vehicles were produced in 2016. China has dozens of small-scale automakers - some producing just a few hundred cars a year. Cui Dongshu, the secretary general of the China Passenger Car Association, said that the ban would affect at most 1 percent of the Chinese market. But the government’s decision to cite fuel economy in the deregistration of so many versions at the same time is nonetheless a signal of the government’s commitment to fuel economy. The country, which for years prioritized economic growth over environmental protection ... has emerged as an unlikely bastion of climate action. “They’re sending a signal to everybody,” said Michael Dunne, president of ... a Hong Kong-based consultancy on China’s clean car market. “This shows their emissions standards have teeth.” The Chinese government has already become the world’s biggest supporter of electric cars, offering automakers numerous incentives for producing so-called new energy vehicles. Those incentives are set to decrease by 2020, to be replaced by quotas for the number of clean cars automakers must sell.
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Thursday 16th November marked the 7th Annual Lovie Awards. This year, Livia Firth was the winner of the Emerging Entrepreneur Award for her fight for sustainable fashion as the founder and creative director of Eco-Age. Livia founded Eco-Age in 2009 as a brand consultancy providing sustainability strategies and communication tools to fashion brands. Their modus operandi is to demystify the supply chain so that brands can be sure they are working with suppliers and manufacturers that guarantee responsible sourcing and production of materials and ethical labour practices. She and her team work with several brands to help them become sustainable and conscious as part of their core operations and values – not as a token ‘project’ seeking to gain sustainability credentials. Livia points to a tactic of some large, fast-fashion brands, of producing a product or small number of products ‘sustainably’, that are then heavily promoted in an attempt to create a cleaner, greener brand image, which she dismisses as “bullshit green-washing”, to divert attention from the dirty fashion practices continuing throughout the supply chain in those brands. Eco-Age refuses to conduct business with fast-fashion businesses due to the ethical crimes being committed and their failure to provide a living wage. She comments that being awarded a Lovie is recognition of her engagement with the public ... to inform, educate and enlighten consumers.
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The importance of empathy as a character trait is garnering increased attention in an age of rapid technological change. In Denmark, empathy has long been a part of the zeitgeist of the nation, taught and valued everywhere, from preschools to corporate suites. By many measures, Denmark ... excels at instilling emotional well-being. Still, Denmark is facing challenges that would sound familiar to American educators. At the Hedegĺrdenes school ... one-third of the 400 students, from the first year of school through the ninth year, come from immigrant backgrounds, and another third from what administrators call troubled homes. As a result, says Thomas Brinch, vice principal, “the work with empathy is more important than ever. The kids need to treat each other with respect no matter where they are from, what their religion is.” Schools see empathy as a way to deal with another challenge as well: the saturation of social media. In the classroom of Ida Nielsen, a fifth-year teacher at the Hedegĺrdenes school ... the class has drawn up social media user guidelines together and is now discussing what they mean in practice. One of the first rules sounds simple enough: Don’t say anything mean. But it leads one boy to question if that just applies to people, or whether they may make negative statements about not liking longer school hours. Such discussions are crucial, says Ms. Nielsen, when asked about the pressures to devote time to academic learning during the day. “This is their lives,” she says.
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Kenyans producing, selling or even using plastic bags will risk imprisonment of up to four years or fines of $40,000 (Ł31,000) from Monday, as the world’s toughest law aimed at reducing plastic pollution came into effect. The east African nation joins more than 40 other countries that have banned, partly banned or taxed single use plastic bags, including China, France, Rwanda, and Italy. Many bags drift into the ocean, strangling turtles, suffocating seabirds and filling the stomachs of dolphins and whales with waste until they die of starvation. “If we continue like this, by 2050, we will have more plastic in the ocean than fish,” said Habib El-Habr, an expert on marine litter working with the UN environment programme in Kenya. Plastic bags, which El-Habr says take between 500 to 1,000 years to break down, also enter the human food chain through fish and other animals. In Nairobi’s slaughterhouses, some cows destined for human consumption had 20 bags removed from their stomachs. “This is something we didn’t get 10 years ago but now it’s almost on a daily basis,” said county vet Mbuthi Kinyanjui as he watched men in bloodied white uniforms scoop sodden plastic bags from the stomachs of cow carcasses. Kenya’s law allows police to go after anyone even carrying a plastic bag. But Judy Wakhungu, Kenya’s environment minister, said enforcement would initially be directed at manufacturers and suppliers. It took Kenya three attempts over 10 years to finally pass the ban.
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Scientists say that there is one form of exercise that could help improve low mood, anxiety and reduce stress - beating depression in some cases. At the 125th Annual Convention of the America Psychological Association, six presentations looked at studies which found yoga could have healing effects on people with depression of differing severities. One of the studies, conducted the San Francisco Veterans Affairs Medical Center, found that male veterans who took twice-weekly yoga glasses for eight weeks had fewer symptoms. Another study, by Alliant University in San Francisco, found women aged 25 to 45 who took part in twice-weekly Bikram aka hot yoga sessions over a period of eight weeks also had significantly reduced depression symptoms compared to those on a waiting list for classes. The studies, which covered a wide range of ages, occupations and genders all found that there was a positive correlation between practising yoga and lessening symptoms or feelings of depression. The researchers add that while this form of exercise is proven to help, it shouldn’t replace traditional therapy completely. “We can only recommend yoga as a complementary approach, likely most effective in conjunction with standard approaches delivered by a licensed therapist,” explains Hopkins. “There seems to be a lot of potential.”
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Tiny houses are closer than ever to being a reality in Atlanta. Last week, the Atlanta City Council voted on and approved an amendment to city zoning laws allowing “accessory dwelling units.” Local advocacy group Tiny House Atlanta called it “a great step in the right direction.” The language in the amendment ... carves out space for accessory dwelling units of larger main structures. A tiny house counts as one of these secondary units if it is less than 750 square feet and has its own kitchen. The amendment also allows “accessory dwelling units without off-street parking on parcels without a curbcut or parcels without off-street parking,” making the affected areas more attractive to car-less Atlantans. While the change sets out possibilities for tiny houses that are satellites of existing homes, it does not allow for standalone tiny homes on their own lots. The new language specifically prohibits subdividing accessory units from the primary house. It also says nothing about tiny homes on wheels. Many tiny home owners make their homes into RVs, which subject them to a whole separate set of rules. Still, tiny house advocates said they are happy with the changes. “The sky’s the limit to what’s possible,” Atlanta city councilman Kwanza Hall, the bill’s sponsor, [said]. “It’s just up to us as a community to figure out what we want to do, what we envision in the future, and opening up as many possibilities as we can dream up.”
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