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(Continued ) and Jessica Flannery brought a touch of Silicon Valley innovation to the practice Kiva is the world s rst person-to-person micro-lending web site, empowering individuals to lend directly to unique entrepreneurs in the developing world Its model is simple: Kiva partners with existing microlending organizations that choose quali ed entrepreneurs The organizations use kiva org to post pro les of these entrepreneurs and their projects The stories of the people found on Kiva are often very detailed A random perusal of the site brings up Grace from Uganda, whose $500 loan allowed her to buy refrigeration equipment for her peanut butter business; and Angel, a Roma gypsy from Bulgaria, who used $850 to start his own bicycle repair shop On the giving side, potential lenders are able to browse potential recipients, then lend using a credit card or Pay Pal account Over time, the entrepreneur repays the loan (without interest) Repayment and other updates are posted on Kiva and e-mailed to lenders if they chose When lenders get their money back, they can re-lend to someone else in need, donate their funds to Kiva for operational expenses, or withdraw their funds In only a couple of short years, Kiva has become an extremely popular tool The web site gives statistics on the loans made and repaid in the last week A typical week looks like this: $680,600 was lent; 1,574 entrepreneurs funded; 9,103 lenders made a loan; and 644 loans were completely repaid Not only has Kiva brought a new degree of transparency to microlending, it has fostered a personal rapport between lenders and recipients, reinforcing the sentiment that, through technology, it really has become a small world, after all The increasing prominence of social entrepreneurs has the potential to generate huge bene ts by spreading capitalist culture abroad and identifying unful lled societal needs America Forward (wwwamericanforwardorg), a consortium of social
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entrepreneurs, proposes an expanded concept of national service and federal matching of private social investment funds that invest in community-run programs to increase the number of social entrepreneurs in the future
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* Nicholas D Kristof, The Age of Ambition, the New York Times, January 27, 2008, wwwnytimescom/2008/01/27/opinion/27kristof html scp=4&sq=social+entrepreneurship&st=nyt
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t would be an understatement to say that the world today is a very different place than it was just 20 years ago Throughout our discussion, we ve described, from trunk to tail, the tremendous opportunities and challenges presented by the new elephant in our living room: globalization Its ripple effects have touched virtually every facet of our daily lives from how we feed ourselves to what we do for a living, and from how we teach our children to what we aspire to be, have, and do
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In the Macro Quantum world, greater cross-border exchange and the rise of emerging powers and NSAs have reshaped the face of the global economy To continue to survive and thrive in this ecosystem, we ve discussed how the United States must adapt from a unipolar to a multipolar (or what Richard Hass calls a nonpolar ) system where dozens of players states and NSAs alike exercise power and in uence1 One popular adage on Wall Street is, the trend is your friend, meaning you pro t by trading with the market not against it While the United States once was the market, the market now has many players that America cannot control And before we let other countries control, or even corner, the market, it is in our collective interest to solidify the rules and sanction the referees of the globalization game This will require not only acknowledging but actually welcoming new players through more inclusive multilateral architecture and policy stances Cultivating a multilateral strength in numbers attitude will be key to avoiding the calamities of unchecked globalization that befell the world in the early twentieth century The recommended adjustments in trade, energy, security, immigration, health, environment, and poverty policies aim to strengthen and modernize our current institutional infrastructure including NATO, the WHO, the WTO, the World Bank, and the UN, among others Lately, many of these organizations have been left to languish, but with a little attention and extra funding, a revived multilateral system could shepherd the capitalist peace forward based on the rule of law not the law of the jungle In addition to reforming such multilaterals, the United States needs to turn a critical eye to policies, attitudes, lifestyle trends, and institutions at home Small adjustments at the domestic level could have quantum reverberations beyond our borders But this will not be easy While the United States has lost economic ground to new players and tarnished its reputation abroad through its own knee-jerk unilateral reactions, it is still capable of evolving and thriving in the Macro Quantum world Although American government has been slow to adopt the new thinking and policies necessitated by globalization, our private sector has been at the forefront of these megatrends for decades The United States has topped the World Competitiveness Yearbook rankings for 15 straight years through 2008, a study that surveys 55
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