Sun 30 May 2010
Kiva – a fantastic idea. But…
Posted by ht under Uncategorized
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Good news:
Kiva is providing peer to peer microlending to alleviate poverty. What’s really interesting about this is that your money goes to the borrower with no cut taken by Kiva – Kiva is funded by donation, which keeps where your money goes entirely transparent. The borrower pays the money back over time (the rate of successful payback is something over 98%), freeing your money up to fund another borrower. This way you can create your own “revolving fund” for making a genuine difference in people’s lives, and the size of that fund is up to you – because it’s a crowd funding system, every little bit helps.
Less good news:
there appears to be no focus on lending which promotes sustainability. Kiva promises, at some point in the future, some way to measure the people care and earth care of the businesses which are being funded, but there isn’t anything like that yet.
Good news:
there are, however, “lending teams” which do focus on sustainability. Two of these are pictured below; click on the links to check them out.
These lending teams each have a message board, where, when the members find green initiatives, they can post them.
Less good news:
unfortunately for the lazy user (read: me!), there is no way to sign up for a feed of these messages that will go through to a reader or your email. The only feed that seems to be up on the Kiva site is one of _all_ the loans that come up for fundraising. That’s a lot of traffic each day, and, for OzEarth’s purposes, a lot of noise to signal.
… as I wrote “noise to signal”, I found myself feeling oddly guilty. The thing is, I spent about an hour surfing Kiva’s site today, and managed to find only two loans in the fundraising stage that I felt we as Permaculturists could get behind.
I find myself in a strange place: it is a very bad thing that so many people are living in poverty. Like most people, I want a world where everyone lives in abundance, rather than a system like the current one, where some people have abundance to the detriment of other people. I also want abundance for everyone without destroying the Earth.
(Warning: this paragraph contains a lot of scarequotes; sorry.) I see too many developing world “entrepreneurs” on Kiva who are looking to create abundance for themselves and their families by attempting to reproduce the Western norm of wealth – a norm which is earthkilling, exploitative and unsustainable (being based on a growth economy) to its core. Again and again, you see descriptions of borrowers wanting to “grow their business” and being a good repayment risk because they “know how to get ahead”. It sits badly with me to fund struggling people in “developing” nations in their efforts to buy or produce deleterious products, or to perpetuate unsustainable land use practices, in order to resell to other struggling people, who presumably need to engage in similar practices in order to “get ahead”.
But perhaps the thing that makes me most uncomfortable of all is this: I myself live in (relative) luxury, quite a bit of which has been purchased with exactly this coin: exploiting the earth, my fellow humans or both. I am uncomfortably aware, as I sit in my large (if ramshackle, and shared between up to 10 people) home, with my computer and my central heating and my internet and my electricity and my hot and cold running water and my disgustingly wasteful, needlessly polluting flush toilet, my fridge full of shamefully non-organic food, surrounded by plastic white goods, plastic black goods, clothed in plastic clothing, eating from plastic packaging, that I am not currently walking my talk here. So how dare I sit in judgement of anyone for wanting what I have?
Perhaps it’s because _I_ don’t want what I have. I am extremely grateful that I have enough to eat, that I’m adequately sheltered from the elements, that I have access to clean fresh water, adequate health care, sources for learning, light after dark, that (at least in the company I choose to keep) I can expect to be treated like a capable and valuable person, femaleness, lesbianism and all. I hope that I will always have these things.
But this fails to take into account the darker side of the Western paradigm:
- existing cheek by jowl with neighbours I neither know, like, nor share any values with;
- living day-to-day with vehicle smoke in my air and heavy metal poisoning in my soil (our home sits on a former industrial waste dump);
- having no escape from traffic noise;
- being unable to see the stars at night for light pollution;
- trying to cope with the seeming inescapability of advertising and consumerist paraphernalia;
- constantly struggling against a tide of government and corporate red tape and boomerang errands;
- wrestling with the tendency to remain in thrall to such underhand, consumer-duping concepts as “my ideal weight”, “boosting my productivity”, or “getting a real job” in order to “pamper myself” because “I’m worth it” (there: a veritable cascade of scarequotes!).
The bottom line: in my current situation, I am out of alignment. I get my power, my water, my heat, the cloth for my clothes, the flour for my bread (not to mention most of my other food) from a third party. I have virtually nothing in the way of skills to meet my own basic needs (thus far: looking to address this, soonest). And the fact that I’m not in control of the life cycles of my basic needs is not just irresponsible for my own sake: it also more than likely feeds into systems which exploit the Earth and my fellow humans.
And there are millions of people who want this? Are they nuts? Surely it would be better to try and create the securities, comforts and freedoms of abundance without replicating the pitfalls of the corporate-controlled paradigm? Because it can be done. Permaculturists all over the world are doing it. And in the long run, nobody, rich or poor, can afford not to do it: any approach other than a stable-state, radically sustainable one will, sooner or later, cost the Earth.

















