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Logo of Michigan Camp Meeting 2016: The Harvest is Great

Poverty Cure: Powerful Principles to Help the Poor- Part 4

Dan Rachor

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Recorded

  • June 13, 2016
    9:30 AM
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Father in heaven we. Again we invite your presence here today that you would be the one to. Guide our minds and our hearts. Give us your thoughts and your wisdom. And we pray these things in the name of Jesus Amen. Oh OK there's sheets right there and. With gold we have so much to cover and only two more days. Really so much to cover OK Now is this OK Can you see that OK or. OK so. You know I guess is one twenty eight says that the Lord blessed Adam and Eve and said to them Be fruitful and lot of ply Laurie. Filled the earth. People will see that you will fill the earth and subdue it have dominion and so on OK and. If we can think about this a little bit we obviously the Lord placed us on planet earth right and he told OS to be fruitful all them all apply. Fill the earth and subdue it and have dominion over it so the Lord is saying this is where you live and there are resources in this earth. You know iron and just resources galore this is where he put us of course he gave us a mind to to use the resources on this on this earth. And. I'm simply saying that you know the Lord. This is our home this is where we live this is where we are to make a living and really to use the resources the Lord has given us and. I say that what I'm talking about here for the next few minutes is the principle of private property OK. Principle private property. As we saw yesterday this is very important it's very important. The very idea of freedom. Special Economic Freedom. Lends to the idea of private property. If we can. Use the talents of the Lord has given us and be able to be rewarded for our labor and that's we call that slavery right. Still private property here we find in Genesis twenty three seventeen eighteen the field of Ephraim was in. P. law which was before my memory the field and the cave which was in it and all the trees that were in the field which were within all the surrounding borders were to Abraham as a possession Abraham all this property paid for it. He owned it again we find later and Genesis forty nine verse twenty nine thirty that Abraham What does it say that any charge him and said to them bury me with my fathers in the cave the kid wave that Abraham had bought I think this is Jacob talking Actually if I remember right and. Bury me there so this property that Abraham had purchased was passed on. It was passed on from generation. Porton principle again there they buried Abraham and Sarah his wife there they buried Isaac and Rebecca his wife and there I buried Leah it is Jacob the field and the cave that is there were purchased from the sons of Heth so. Here we see Abraham. All. Property. Absolutely here again. We see a reference to. Jacob came safety the city of second was in the land of Canaan when he came from put on a Romany pitched his tent before the city and he bought the parcel of the land where it pitches ten. From the children of Haiti Marcia comes father for one hundred pieces of money so again we see. The patriarchs purchased seen and owning land owning property. And of course we have in shrine in the ten commandments this statement you shall not steal well. To steal is to take something that doesn't belong to me right. And so the implication is very much of private property ownership or perhaps a better word is stewardship as we know the Lord owns everything but it is given to us as stewards Yes. This. Is. The biggest even the world is communism. They take away not only the things but the the the means of production that's a problem. OK. Ephesians four twenty eight we see this reference let him who is stall Still no longer for him back to the commandment but rather let him labor working with his hands what is good that he may have something to give him who. As needed so there you see on the one hand stealing which obviously is an implication of private property but the Lord's will that same person who used to steal would work and he have made not only have what's his own but have something to give to him who has made. These are not deep these are not deep concepts here but we have to but they're important that we're talking about OK again and we may read this the other day aspire to lead a quiet life to mind your own business work with your own hands as we commanded you that you may walk properly for those who are outside that you may lack nothing first US alone as for vs ten through twelve. There you go this is Paul counseling the Thessalonians how to live a quiet life mind your own business work with your own hands. OK that's now here we come to accept or to and this has been a source of confusion to many many of us. Here it says an ax to the now all who believe we're together they had all things in common and sold their possessions and goods. And even vied them among all as anyone had need so. There you go. And I wanted to share the same verse in the New American Standard Version everything else is new King James It says there that all those who had been who had been leave were together had all things in common says they began selling their property and possessions and were sharing them with saw as any one might have need a little bit different nuance here and so what does this say to us here they're practicing communism or socialism. No they're not really because. Or several for several reasons K. number one there's no government forcing them to do this OK so it's not socialism number two here's the situation. People were giving their hearts to Jesus and as a result were being immediately disowned by their families which was a source of support they were losing their jobs OK so here you hand model to Roots who because of their following Jesus making a decision were. In one accord were had no support what were they to do now this here and I believe this is a kick em up of the proper word right to second but in Greek this is a this is not a terrorist has this is not they sold this is they began selling OK they began sharing it's not like they said OK I'm selling everything boom no. It was related to the need. Now we go over here to accept or five you know the story about a nicer Safira how they sold their property they were inspired by the Holy Spirit in the love and the power that was going on the early church and they felt inspired and they made a commitment today and made a pledge they soon will their property then they got the thing and you know want. It we sure the on that. And so they decided. To notice here they decided to hold a good chunk of the money back. To give some of them money to keep them on the that they had. Kept bank secret. And to live on the common possessions the common. Pot that the church had formed this is what's happening here OK. They lied and Peter is very clear and in or sort of Peter says. Why has Satan filled your heart to lie to the Holy Spirit and keep back part of the price of the land for yourself and he says while it remained was it not your own and after it was sold was it not in your own control. They didn't have to do this thing. Why have you conceived this thing in your heart you have not lied to min but to God So their problem was not that they failed to give everything their problem was that they said they gave everything Peter says it was yours you could have done with it what you wanted. To. So there we go. And we talked about this the other day when we were talking yes we talked about this and it fits in here as well so what I was saying here is that the New Testament does not teach socialism OK here it says if any believing man or woman has wills let them relieve them and do not let the church be burdened that it may relieve those who are really with olds OK So here it's the family who's taking care of people is not the government is not the state. And any case it shows it all this believing man or woman they must have some private holdings they must have some private property private money whatever it is if they are going to take care of their own whittles This implies that they have work they have saved they prepared for this day. OK. And. Course and communism they actually taught Marx actually said that. All charities should be by the government private charity should not exist. And actually one of our well OK this. And so this is not the picture here this is family. And it implies you can see private property private resources. Yes. Sometimes. OK a comment go right ahead. Or house burn down she went to live with her son yes. Her son throughout. This beautiful. OK Somebody are offered some place to live that's good. Oh my. Exactly but you must remember she may have burnt the toll so she may have deserved to be thrown out right. Oh OK OK went on here. Again we look at this other day if it were not work neither shall he eat Again this implies private stewardship. That's really the word stewardship right I use the word ownership in contradiction to say socialism or communism but the really the biblical word of stewardship. But there can be no stewardship if everything we give to the state or even if we give everything to the church. Is very possible in the end all and whatever we're going to go through in the future that you know. Whatever the Lord will lead us to do and whatever our circumstances are but in normal times or if the. There is such a thing. Is stewardship private stewardship. OK. And. Here is this wonderful statement from the book admin to Home Page one forty one. Which says fathers and mothers who possess a piece of land any comfortable home are kings and queens no period on their hate that anyway. The author of the book Gavin is home did not apparently teach socialism He's talking here about private property living the good life course he's talking about getting away from evil influences and so on but still in that context those who possess a piece of land in a cover home are kings and queens how true that is. She's not condemning this. Yes. I skip that one because we covered the other day yet and I'm off so much to cover here. So this was actually they are Bible portion for yesterday and. I'm going to spend a little more time and I'm going to tell you this I was a very good boy I went early to the. I didn't want to Shelly So I went early down to the office. Where they have the copy machine and after all these years. It died. It literally died and they're not going to. Replace it. In the meeting this morning but that was. Nine o'clock or nine ten or something. So I don't have these but I'm going to try and I was what I was and I'm going to try to have them for you tomorrow this next few slides here OK. Yes Mondays I had that in my hand I was going to copy about ten of Mondays and saw that as my plan today definitely literally yes. Yeah I want to do that too I want to get I was trying to figure out whether I just get a list of e-mails I can send you these and many other things OK yeah. So all. OK Here we go this is today. Genesis three fifteen the Lord God took the man and put him in the Garden of Eden to tend and keep it hey God gave Adam and Eve something to do didn't have. To work. Did he want them to be happy. Yes he did that's why he gave them something to do right yes to him. Don't you think that's a little small about a whole sheet. Somebody else might have a bigger. Or OK. No they're not going to fix this copier they said it's there's no more parts for Been Cammy for years it's a big one to OK here it says patriarchs and prophets page fifty. Name and email name and email. Those of you who have email and I'll send you some things. Within you all these notes and a boss will send you some other stuff that we just don't have time to cover here notice or our creator who understands what is for man's happiness I gotta make an offer right now for a forget when I go to video today please make sure that I take this off and put it here in front of this OK I didn't do that yesterday they've made it was OK they made. Worked. They have the ability to make it louder when they edit it but it's much better if I do that OK our creator who understands what is for man's happiness appointed Adam his work notice a sentence the true joy of life is found all only by the working men and women Mazie ha. This is an important principle when you're trying when you're looking at people as human beings created in God's image we're trying to help people. Very clear the true joy of life is found all only by the working men and women. So if if we're not just trying to you know throw money at say we're actually trying to make a person a hall that is facilitate that we can do that but. Here is a principle the true joy of life only by the working men and women. Exactly and even very good yes or. OK yeah. That's spoken by a retired person. But he by the body find something else to do though he just got to keep off the high ladders that's all. OK. God appointed labor as a blessing to man we can never forget this I know this is not rocket science but we must talk about this at some point in this seminar to occupy his mind to strengthen his body entered develop his faculties. And mental and physical activity Adam found one of the highest pleasures of his holy existence. OK. There again here I'm sorry. We already went over these but you want to have it anyway OK. Look at this though think about this this is strong language got a point of labor as a blessing to man to occupy his mind to strengthen his body ender develop his faculties. In mental and physical activity Adam fall of the highest pleasures of his existence. Yes sir. Teddy. Wow. I do think you're old enough to be retired even now. Yeah. Yeah I don't think. Absolutely yeah if you don't do something you're going to die young and we're stewards of our time our talents absolutely Here we go again. And when Adam and Eve he was driven from his beautiful home and forced to struggle with a stubborn salt again his daily bread that very labor although widely different from his pleasant occupation in the garden was a safeguard against him patient and a source of happiness. So clear. We can't. Know all human being can be happy. If we are simply supporting them. It's we we're not doing them any favors. Yes sir. OK. Yes No No That's No one I worry about they're going to make a comment My only problem is I got three more days worth the cover they come on yes. Make no money from that. That's what I want to do. OK I really OK thank you thank you very much all right again we are to look at this verse we want to look at this verse. Those who are taught ministry of healing page one ninety five those who are taught to earn what they receive will more readily learn to make the most of it. And in learning to be self-reliant they are acquiring that's which will not only make them self sustaining but one able them to help others this is just. This is a great principle those who are taught to earn what they receive will more readily learn to make the most of it not too terribly long ago I should say this well nobody here that could even vaguely guess who I'm talking about. I and one of my dear church members spent. And I'm not saying we did wrong I mean but we delivered some heavy couches to a home where they needed some couches and I was busy now home and all three months later and they were clear were nice calculus they were gone and he has told me well we're thinking about a move in so we just got rid of him. Well I mean they had no investment in them whatsoever I had a few hours back breaking all but anyway and so there's a principle right there I probably should have had some of them common move those callouses maybe they were. I don't know. Anyway. We read this the other day we may give to the poor and harm them by teaching them to. Be dependant if you want to for such giving encourages selfishness and helplessness. Often it leads to I don't the six travel dance and intemperance. No one no man no person who can earn his own livelihood has a right to depend on others. The proverb The world owes me a living has in it the essence of false hood fraud and robbery Wow That's strong language so we have to be careful and we're trying to help people that we're not leading them into this situation. OK. And we called it the other day too from Muhammad Yunus who we're going to learn more about here in just just really right now actually. Mohammad Yunus is the individual who won the. Nobel. Prize for his tremendous work in helping the poor. And so what we're going to talk about we're going to I want it's kind of like a class you know it is a class so there's this is introduction in it's just good to be familiar with this individual and the work that he's done and and so that's where we're we're going to go now I'm going to Shaw short clip let's see it's not as short as nine minutes and it just gives an overview of his work how it got started and then I'm going to we're going to actually hear from him for a few minutes to see if he tells how this thing has spread OK so. That me. See that should be here here we go this is some scene somebody has put together it's a little bit fast moving but hopefully you can follow it OK. How much money to. Take to change the world how much money does it take to make real and lasting progress against global poverty with a billion dollars be enough one hundred billion for one man to just twenty seven dollars twenty seven dollars in a simple but compelling idea that man is Mohammad Yunus and his idea started a global revolution that has brought hope opportunity and pride to some of the force people on earth so who is Muhammad Yunus and what was his idea to understand Hama doonas you need to know where he comes from Bangladesh. Although Bangladesh is a beautiful country with a rich culture it is one of the poorest and most densely populated nations in the world Mohammad Yunus was fortified with Desh in one hundred forty five and he was affected by the dramatic conditions there but unlike so many of us fellow Bangladeshis Mohammad Yunus was known born into poverty which gave him access to important opportunities as a result he was able to go to good schools get a quality education and even go to college eventually the stuff of study and nothing else in the United States and while Mohammad lived in the United States he witnessed something there that changed his life he saw the historic struggles of the civil rights movement up close and he was deeply offended Hammad was particularly inspired by the movements powerful commitment to social justice and it stayed with him when Mommy went back to Bangladesh and he continued to be profoundly concerned about issues of justice and misspent sleepover and as an economist he wondered why why was there so much deprivation in this country where so many people living in so much Mr and it quickly realized that unemployment was not the problem in fact most of the people living in poverty in Bangladesh were working they worked full time and then breaking jobs and the real problem was wages hum in unison came to a profound conclusion come home with. What could have been the situation of the human being has to be brought into this kind of. Situation where they have many of existence. Is just the fault of the person. Who did it to me a come to the same conclusion there is nothing wrong with the people. Voting is not created by the work that. Is needed with the system. The concept is that we need to learn something new. As Professor Yunus study of the problem he began to focus more and more on the issue of credit and the ability to get along with we just so low in Bangladesh he realized the poor could never save up enough money to change their lives and the only way to rise out of poverty was to get access to capital with loans to the poor could move to better neighborhoods go to better schools pay for college get better jobs or even start their own businesses but in Bangladesh as in most countries the poor do not have access to the kinds of loans that can change their lives according to conventional wisdom they are simply too great a risk they have low incomes no collateral no history of credit and belong to a group that is generally not regarded very highly Fortunately Professor Yunus was able to look beyond the attitudes of his time and challenge us to see the world's poorest people in a completely different light and it all started with twenty seven dollars in one nine hundred seventy six in the midst of a deep economic downturn Professor Yunus left the comfort of the university where he taught and talked to poor villagers in the towns around his city although we didn't have much money he realized it wouldn't take much money to completely transform people's lives in an impulsive moment Professor Yunus gave twenty seven dollars from his own pocket to a small group of forty two Craftsman the Professor Yunus made it clear to these craftsman that the money was not a handout he believed that charity only makes the poor dependent and vulnerable Instead it was to be a loan that they would have to pay back and they were more than happy to comply these craftsman used the money to buy the supplies. They needed to make and sell small crafts they started their own business and paid back every single penny and that's when Muhammad Yunus at his revolutionary insight he realized that the smallest of loans could dramatically change the lives of the poor in many cases they just needed a little bit of cash to get some resources materials for a small start a business that could give them a fighting chance however Professor Yunus knew that there was not a single bank in the country that would risk lending to the rural poor so we took matters into his own hands and this was the step that would start a revolution the first one unit started his own bank the Grammy that focused on helping the poor and he soon realized demand for help was extraordinary the Grammy bank loans small amounts of money micro loans to a wide range of poor Bangladeshis the including farmers craftsmen and women people who could not traditionally get loans some villagers bought dairy cows and then sold the milk to their neighbors creating small sustainable businesses and others use the money to open grocery stores or buy materials for making furniture and then in some villages people took out group loans to construct hand powered wells that help supply drink up all water for the entire community in all of these cases the benefits ripple throughout the village Professor Yunus reinvented banking and got rid of as many traditional requirements as he could he specifically designed his bank to work as well as possible with the poor whatever it took for requirement blocked out the poor he simply got rid of no collateral no credit checks not even a written contract he was revolutionary The system is based entirely on trust and the amazing thing about it is that it works according to Bank officials ninety seven percent of the loans given out to the poor are paid back in full a payback rate that isn't found at the expectations of conventional bankruptcy over the years and the bank has given out more than thirteen billion dollars in loans to over eight point four million borrowers helping to improve communities all across world Bangladesh and the system is. Clearly working since one thousand nine hundred two the poverty rate in Bangladesh has dropped from a staggering fifty six percent to just thirty one percent today while the poverty rate is still high it is moving in the right direction the basic belief of Mohammad Yunus the simple poor people have enormous untapped potential then by lending them money we help them break the cycle of poverty and we can empower them to become constructive and contributing members to society in a way that benefits the entire nation and perhaps in the world the poor don't have to be a burden in fact they can be an incredible resource and it is a powerful idea and one that has proved to be extremely successful and common Yunus created the worldwide movement there are now numerous banks that specialize in micro loans and there are micro credit programs in nearly one hundred countries all across the warming as of the recording of this video in two thousand and fourteen and Mohammad Yunus is now seventy two years old and he continues to work with the poor and develop new ideas to help them succeed he is a revolutionary thinker and a role model for our time. Came by the way that. The bank or the or all this here is Mohammad Yunus himself just like you to follow up it was. Goals even further things look at the list but I think. That this is this is. OK so here we go. Thank you. Thank you very much and so you give me a new title today. So how did you and I just go up. They go I'm delighted to be here and my job is. You board back through big they declare cool we're good together for. Years and in the meantime we've lost contact with each other so I have a lot of empty space to really reporting what you have been doing since then so this is something that you are familiar absolutely familiar with the beginning but gradually we moved many different other things like you're familiar how get me back began with a small we one village and how it grew from there and became a bank started in seventy six with twenty seven dollars and then grew to becoming a bank in one thousand. Eighty three so since then we have been working as a bank and expanded Bangladesh and expanded its influence in other countries including the United States one of the earlier please please that's very interesting was United States it came after we did Malaysia we did in the media because everybody was telling us this funny thing that in lending money to women can only work in Bangladesh it will never work in any other country because Bangladesh is a funny country. You can get away with kind of all kinds of funny things so this is one of those funny things but luckily someone was visiting us a professor from Malaysia and became very interested if you know my God we can do we should do it in the militia so that's why he went to Malaysia. Here in Malaysia he created an organization still running. And that was the first replication ever from Bangladesh to Malaysia then who he said well it must be something to do with Muslim religion. He doing or could anyone anywhere else so then again as luck would have it had next country to replicate was filming which is a Catholic country so you can't. Anyone seen the Muslim or something more similar then there's a or must mean an Asian friend of mine. That's when you hear scum say we didn't plan it and then today simply I was invited by. An unknown governor from an unknown state called Arkansas. He invited me to help him said they've got me program in Arkansas who knows Governor Bill Clinton I didn't know there. So some friends help from South Shore Bank many of you know the South Shore back. I just meant Jen Percy was the link between South Shore Bank us and Bill Clinton because then Percy used to work in Bangladesh but it was. She became familiar with what we do in Bangladesh and she knows Bangladesh she whispered into the years of Bill Clinton because she was a very active supporter that this is what you should draw on and Manning comes along the city as I have we have visited and also looked exciting to us and that was the beginning of the application in the US in Pine Bluff Arkansas in one thousand nine hundred eighty six. So we just became a bank in one thousand needed to you remember that in the US from United States is trying to understand what this is and he comes to Bangladesh to understand what business he'd learn to do that Alex Counts. So probably has started by saying the motion to come out of this. Is a bit of money I want to work here. You have to learn but I was all over again and in Bangalore all over again but this time not the formal bunker but. So if you talk as if you hear this voice talking to someone from time. Religious structure. So he's been missed ten years twelve years God knows how many years became so this is the relationship that built in USA and so on today to expand their globally and luckily we came back again in the United States in New York City in two thousand and eight Generally we started this coming program called Grameen America in New York City because everybody was telling it on work communities are proven we tried in Arkansas it didn't work we tried in Chicago it didn't work we tried it now and once it didn't work we didn't the Cherokees it didn't work I think in every place you go in to do we did it the wrong way so don't blame something just because you didn't know how to do it don't know no documents you don't understand United States this is a rich country. And in this rich country your work in Bangladesh cannot be treated this is their psychology is different level hour long speech I said you can tell you can Laden books about it but you cannot convince me. Because I can tell you that if you if they do if they are rejected freedom back then definitely you need to give it back to fill that gap tell me whether all people in the United States can go walk into the bank and borrow money soon or there are many I said then you have a case we have to create something. Like coming back. So OK with that we have we are sure it won't work but if you want to do it quite unsure show us I said give us the money on the wall do it. And someone in the audiences I'll give the money. To us so that's how. The game in America was created the first person who said I'll give the money was be there Jorgensen or the all of you know who are in this trip because he has all along with us and he enjoys doing that today would be started in January two thousand and eight there are six branches in New York City. With two. Doesn't stop at twelve thousand dollars. And it works perfectly. Even I will say but have been in Bangladesh. Because the sole discipline everything repayment rate is ninety nine point four percent. Average loan is fifteen hundred dollars and people are so eager to think that fifteen hundred dollars. A cent I thought in Bangladesh only people need money because a sense of the desperate situation here in this country fifteen hundred dollars doesn't get you anything. But that's the money they want to borrow and pretty bad very patiently week after week. In tiny installments of the kind of things people are marking all this is a rich country I said the country may be rich but they are poor people. So we are not creating this bank for the country it will be in this bank for the poor people and if you have those people it will work and this is what you did when I came and when I was doing it in the beginning of Arkansas I was invited by a Chicago when you were city talk about this because down in the organize a big conference with the businessman and electoral to talk about coming back the professor in the audience says well how much alone you said you give in Bangladesh to a bar and I said maybe twenty five dollars thirty dollars. So you know this is not going to work because in this country people will start out with one hundred thousand dollars or two hundred thousand dollars there's money they need. Your bank your program will not work in this country I said maybe I'm not done it but if your country in the U.S. even a poorest person that I have. That wants to borrow Ratatouille ten thousand dollars and two hundred thousand dollars I said you don't have poor people. So you don't need to get me back. But if you have poor people I sit in Bangladesh on my Suman loan is five thousand Dhaka. And in your case it would be probably five hundred dollars maximum they would not. OK so. You get the idea there and I'm going to show a couple different players about what we're talking about is. Micro loans or sometimes called micro finance which is probably a better term. And. This you know from these humble beginnings this is an idea that has gone many many places and has been a tremendous blessing to many people the first. Video clip that we're going to show is an introduction of the organization called Hope International you can google them they have their website lot of video clips there as well as some materials available they build themselves as the first Christian organization to practice micro finance and they have. You know various specific steps which involves a spiritual step and so we're just going to watch that. And. Go from there. I have this is sit down with Peter clear the C.E.O. hoping that their story. Just like many people after the fall of the Soviet Union saw that this was a turning point in history and they saw that there were incredible needs and so Jeff and this church unlike Mr Pennsylvania and this only wanted to help I ended up giving away food clothes anything that they could think of to help meet the immediate needs. After the fall of the Soviet Union in a town in separate Oshie Ukraine and after they did that for about two years there was a pastor in the city's famous pastor Patrik Oh and he called genocide on one of these trips and he said Your help is hurting and initially Jeff was really taken by that thank you what do you mean that we're here helping you we're doing our model of help which is you have needs we have in abundance and so we're going to give things away to you and Pastor to try to realize that there are problems of dependency there were problems in distribution there were problems in Uganda identifying the families that really had the needs and those that were just trying to get another handout and so this comment from Pastor to try and go instead of that really causing Jeff to say well it's too difficult to help we tried let's go somewhere else really rolled up his sleeves and said let's think more creatively about how we help address the problem of poverty and what they found is that there are individuals in that town that had gifts that had abilities they didn't need another handout they just needed the opportunity to start a small business and so they started providing training they started providing access to small loans and really found that this model of providing tappable and training in the hands of the poor really can make a much longer term impact than just the previous model of just let's hand out another gift handout another bag of rice. Hope International now operates in more than a dozen countries it's one of a growing number of organizations doing what's called micro finance. Micro finance provides financial services to the poorest of the poor and it involves among other things extending a loan sometimes the smallest twenty or thirty dollars so that people can start businesses generate income for their families and begin the climb out of poverty in many cases over ninety percent of the borrowers are women. Probably with financial support to get them to kill my family I come to you for Health Service I can. Fearful school I can't do this and do that all just breaks apart developments Microfinance has done a lot of good but even its greatest proponents agree it has to be done right otherwise if you just lend money people can actually be worse off than they were before then a lot of problems and micro going to open itself to definition of Michael because it is being misused by many people already anything under the sun this call just micro credit so you need to clarify yourself what do you mean by macro that is what distinguishes micro finance say from the money lender or the more modern bird variant of that the consumer credit cards it. Is that is exactly this merchant banking aspect that as a microfinance institutions you have to know the business of your client and if you don't watch what the money's used for then chances are a large part of it is going to be used for consumption and if you borrow to consume you're not rich or at the end you're poor because you have to repay the loan and high interest on top of it and so what makes a microphone is a situation really worth its name. Is the ability to detect among the thousands and thousands that would gratefully accept a loan those that will that will become productive that learn that can turn that loan into value and better their lives it's not easy to do but they're good and as a student that's that's exactly what it does. Dummy invite Stoutenburgh sounded micro rate a company that rates the effectiveness of micro finance institutions around the world what he's found is that the best micro finance strategies emphasize a holistic approach evil Graham a project manager the whole point is to garner echoes the same idea top line is the micro finance engine we have about two thousand five hundred members if you pay a single race doesn't help now. It was too good to end months of trading on business when you give people they have to understand you sure as opposed to give them I can show us the up to understand what Steve uses We teach you how to see if you sense you can be a power. Of all we're doing is extending credit to the poor fellow we're doing is giving individuals another access to a form of a credit card there's going to be no lasting change. I think savings are critically important I think training is critically important I think micro insurance is critically important and I think the fourth leg of this aspect of spiritual poverty has to be addressed and it's only when you're addressing all of those collectively that you're going to see significant change occur. On the Christian organizations that's why we are spending time you need to get in-depth on how to spend it loose money we have supports of them Michael financed by christian them prefrontal ism and all these to put them to understand that Justice to business discussed we should be honest I mean and the House to Cork's away into law suite and in one hundred and up to money and you practice what we talk to you with so see. There's a lot of enthusiasm for micro finance because it's a tangible way you can help someone begin the climb out of extreme pot so going to fast forward to another clip here I want to just tell you that. In the developed countries such as United States. You find a balance between small companies large companies and medium sized companies in these medium sized countries I mean companies. Provide a high. I level of employment in developed countries and we find in a lot of these struggling countries. It's moving slow for me here and a lot of the struggling countries are very large companies in the very tiny companies but not the medium size companies and. So you're going to probably hear a reference here. Probably here reference here to. S. in me. Which is just a reference to small and medium enterprises. Is Give me a second here I. Goofed. I'm. Sorry but this is. Not working for me. You know. He said. He. And that's almost what I want to be so I'll just leave it to hold on that table shelter. Health is provided education is provided for the children to begin to move to not to offer to and begin to take. The dignity of the citizens I think shoot off money to a business opportunity. I. He was one of the winners of the pioneers of prosperity award an initiative of the seven fund founded by Michael Fairbanks and Andreas Vidmar the seven fund promotes enterprise solutions to poverty and connects investors to promising businesses throughout the developing world banks in the developing world are so monopolized the so regulated they're so beholden to the government that they basically are in the business to lending money to the government and so when an S.M.B. comes along and they want to borrow money they get money I've heard of it just the other day I heard somebody they said over one year to end up paying eighty percent interest you can't run a business like that that's not a business loan that's usury. That's what the seven sign is designed to address they look for small promising companies partner with them invest in them and connect them with others these are companies that are doing good things doing it well and competitively but they need to partner with capital. Partners worldwide pursue similar work in promoting investment they also cultivate mentoring partnerships both internationally and among entrepreneurs in their own countries Charles Men's for example is mentoring an aspiring juice entrepreneur that the goal is to transform not only businesses but lives and communities and to scale the effort to networks at a grassroots level. We're going to form relationships by national relationships small medium and large businesses you know him very in size person and they're going to be Christian businesspeople and we're going to focus on building businesses that honor God and call that now businesses ministry or a focus on on how the business is run but our purpose is to create sustainable jobs jobs to give dignity and and wealth to families to provide in their communities and we'll focus on access to capital we'll focus on techno. G. transfer will focus on advocating for a level playing field will promote trade between our countries. We went to Kenya and met with business people and so I mean you're only one of the guys not meeting he was kind of the classic target business just hit yet thirty employees and we said Man it's like you have ten thousand scientists around the world and we can grow from thirty two boys to fifty or one hundred will impact a lot of people so he said the Simon or the other people like you and your communities Oh yeah and you formed within six months you formed the first what we call our Phil it's the Christian entrepreneur saves society chess and so today they have more four hundred business members and they do provide access to capital but they they do training networks train shows and we have a team here in the U.S. that partners with them and they leverage their impact as we have all over the world and. Some of the reasons people tend to be wary of business as a solution to poverty is they think that corporate So at last speaker there you have it the other day partners worldwide they're actually based there from Grand Rapids Michigan here and. You tremendous work week I want to give you a real quick here. This is. Their side out front of their belief which is and they already cited Grand Rapids. Or said visit people face Lee presuming the world is all over it. And then this phrase business as ministry you know. This is for me. I think something happened this past you know if you're going to be a missionary then you're going to be a nurse or a pastor but there are people. All. Understanding and recognize that business is up there are people starting businesses the civically. To be a minister to provide jobs to minister to others in that way in fact there is a I read one time it's been a while ago actually before I got to this study that there's actually a separate I R S There's a nation of these types of businesses anyway this is partners worldwide as I said there there right there in Grand Rapids are actually. Started by at least Christian Reformed businessmen there in the twenty seven countries four different continents. And as they say breaking them all the one way in charity other words be partners twenty seven countries and is a hundred thirty countries they have a ways to go but they're doing a wonderful wonderful. No charity it's coming alongside its loans it's training it's helping. Down the ship Chattanooga Tennessee is an organization called Law where they are there to support to help. Poor people as they start business training and so on. Hold of a how this is in Holland Michigan organization. Again they're there to serve the or helping them in their business see here coming up in the September they have a class start up your business Hi Hala start a business and ah they're actually using the curriculum upward to gether by Tartars world why. There are no other classes being taught this summer watchfully in church grow your business this is an individual has a body shop in Holland who has been minister to help by this organization whole debate how. So there's these are the types of things that are really helping people. If you don't want to see in the right way. OK now. I have about ten minutes of video which I really want to show at the end because it is to me it's very important. And. But I want to show it now. Here that the what happened I won't get the job done but. I want you to do said by saying. Probably your I me see I do say children here your teenager. Has bought into this idea that zero sum fallacy now the words you know we have the what is that movement called. Occupy Wall Street whatever. There's a one percent hit and yet here is a there's only so much out there he's going to have this last therefore there's only so much love with. This economic analysis yet how do you this is his and. He will create Well all right thank you thank you. Bummer So the reality is is is is there's not just so big of a PIO out there human beings their creativity their minds their talents they create wealth there's no you know because they have so much then there's none left for us that that is a false. Way of looking at reality. And this is we know every person is created in God's image they have the power to think in to do. They can create wealth OK and you're going to see that in this next ten minutes to me is very very powerful specially out toward the end of the. Brakeman's exploiting. And sometimes they do they also tend to think that the economy is a zero sum game the zero sum game is one of the great economic fantasy that assumes that if one person gets rich it must mean that someone else gets poorer Well that's reliant upon a static view of well it's like a part of the idea that is just one pine the pike and grow in market economies and dynamic open economies what you find is that the pied growth and this is very important because what that means is that everyone can start to get out of poverty the zero sum game fallacy can also lead to confusion about the role of population in development. The whole concept of enterprise solutions to poverty is rooted in a vision of the human person as creative we don't just consume stuff we produce. Now if you miss this and end up in a zero sum game fallacy it can lead to destructive policies that end up promoting population control instead of promoting enterprise. One of the big fallacies economic fallacies that flows from the zero sum game is the way that you start to think about people you start thinking about them as potential creators Instead you start thinking about them as just me I'm now it's what that means of course is that you start looking at human beings and seeing them as a bird rather than something that can be inherently creative and that leads to population control policies. Many people have heard of the Millennium Development Goals which is supposed to be realized by twenty fifty but what many people don't realize is that one of the goals and listen to that is of course the control of population the very explicit about this and the means by which they do so unfortunately includes for example abortion and this manifests itself in all sorts of very strange ways for example it manifests in this in what many people call the daughter deficit because in many developing countries when people have to choose what type of children they were going to have be it a boy or girl. Well for all sorts of cultural reasons they will choose boys which means that in many developing countries is a huge imbalance in the gender ratio between boys and girls and other words go women are the ones who are most negatively affected when it comes to population control policies associated with the Millennium Development Goals and what's even more tragic I think is that some Christian organizations have actually signed on to these goals this daughter deficit and what The Economist magazine has called gendercide is the result of bad economics there's no correlation between population and poverty it's also the result of a surrender of the Christian commitment to the dignity of all human life. Now Christians have been the greatest force for charity and for wealth creation that the world has ever seen. Yet instead of taking leadership too often we signed on the popular campaigns that are rooted in a false understanding of the human person. This is a lost opportunity for Christians to promote a vision of development ridden sound economics and a proper understanding of the person it's time to think and leave like Christians many institutions also look at human life as as a threat to social progress let's say to population control schemes for sterilizations those are impediments of social justice because they don't allow individuals to live freely they don't allow the most primary institution of society the family to grow and prosper we in Africa I resisting some of these conditionalities and these are conditionalities that I come in from a certain Philo Sophia said in college as he lost a few weeks we think contrary to what we believe and this is where I believe that the force it down our governments through the I.M.F. the same culture the. Force it down our governments through bilateral I remained in their government if was it down I was through it's by offering medical facilities that only go contrary to the culture of life they lead us into the culture of death you know the country the civilization of love some people in the name of preserving human life and causing society to flourish think that we need to limit others we need to limit the amount of life in the world and we need to to take away the mystery Christians have to be absolutely committed to life and what that means is that they can't fall prey to the secular arguments about scarcity. We have to understand that we have been given the creative potential to bring not only new life into the world but new life out of broken things broken cultures broken fields broken families and we need to be better stewards of how we teach or equip people to think about that. History has demonstrated with indisputable clarity that people can grow the pie of wealth and discover new sources of wealth through enterprise and innovation Well this insight is foundational for working with the poor because it reminds us that people created in the image of God are not the problem people are the solution. And live issue as a foreshock It's a country we need to pull from everywhere to feed our seventy five million people that's why we have to be Crimean in one thousand seventy four without a story begins today Bangladesh we don't hundred forty four million people it's a full two plus country. When I was a graduate student thirty years ago the received wisdom in every single book it would open and just the China and India would never ever be self-sufficient in food particularly in India and what I'll upgrade to school the absolute certain sense from the best thinkers in the world was it was only a matter of time till there would be logical upheaval in India the population would our run the ability of the land to produce sufficient food and we never seen the development of any wealth in India at all now that I was just in India if one looks in India today you see not just food self-sufficiency. The fact is in India India exports food for having sex India has a teeming population and there's a growing sense that population growth is actually good for economic growth. Human beings are not animals animals are the ones who go around and look for food all day and then get tired and sleep and the next day begins and such a human being so create a much bigger mission to take care of the whole. And take it for what. A human being is much more than a mouth of concerns the human being is a mind that creates in the produces and if we add Nial A human beings in their creativity either we would press their creativity or we snuff them out of existence you're basically repressing human productivity. But Cruz well schooled people create wealth the source of wealth is inside our head it's it's our creativity something with been endowed with it's now it's human creativity is the source of wealth. Then people of the source of wealth and if you will have a foster reservoir of poor people living in these slums we do it for a too. Sad is a source of untapped wealth that far exceeds the biggest oil reserves you could possibly find. Underneath the U.S. soil. That is really use also bottles. And that is in a nutshell what we're talking about here. Human being. Created in God's image the power that they can do. Yeah so. You can see the danger. In not looking at the whole person. And simply throwing money. Or whatever the gift is at them. Instead of recognize that they themselves I mean there's short term help absolutely positively and I love it. But. It we're just using to hold people down we're doing more harm than good. OK Yes. Yes. These. Are. Well these are these are organizations that. Are following a certain philosophy and if you believe in that philosophy now say part of roll wide I have their their. Financial Statements so on they they're well well financed I think probably I'm just guessing on a Grand Rapids probably the device foundations involved in that or whatever whereas Hope International as it is is quite a bit smaller. But are doing a wonderful work Hope International soul. I have two minutes here and I just want to share something which is a sort of a let down from that high place yes but I got to use all the time I have yes. I'm pretty sure that is involved in micro loans saw most I mean this this is gone big. Yeah they have a gold program exactly exactly that would be the only avenue. Organization that I know about. Pardon. Frontiere missions as fronter missions are they doing that I thought they mostly just support missionaries but I don't know I was going to share something with you for a one minute here might go one minute over this is an article I found in my notes I was looking at Last night I mean my folder for this class this is May five two thousand and sixteen is bad news and is good news in this little short article here it says United States to ship peanuts to feed Haitian kids aid groups say this is wrong OK so here you see aid groups praise. The Lord our learning have learned that's exciting but here is the same old what the man from Africa called a boondoggle. And let me just mention to you that USAID and their website. From the very beginning one of their it's dated purposes. Is to benefit American farmers here says. If I get out of your way here on paper sending surplus U.S. pianist and this is by the way from N.P.R.. On paper sitting surplus U.S. peace to feed one hundred forty thousand Milner's Haitian schoolchildren for a full year sounds like a heroic plan instead it's United sixty aid groups that are urgently calling on the U.S. Department of Agriculture to halt a shipment containing five hundred metric tons of peanuts preventing them from reaching Haiti. I'm going to skip if you were to go fast the aid group calls it crop dumping and warn that it will deliver an economic blow to struggling Haitian peanut farmers critics say is poor a policy they'll have long term negative impacts on Haitian communities this is a country where peanut production is a huge source of livelihood for up to half a million people especially women if you include the supply chains that process subpoenas says Claire Gilbert spokes person for this in geo routes international. How the U.S. They got stuck was a pile of peanuts stretches back to the two thousand and fourteen farm bill which included incentives and set of that would be what you call that that's that's self to the eyes exactly it means money encouraging American farmers to plant more it worked two thousand and fifteen growers harvest is six point two billion pounds of peanuts and that number is expected to go up another twenty twenty five percent this year that has left the U.S.D.A. holding the bag with all these penis to unload some of the excess the agency announced a few weeks ago the. It was shipped five hundred tons of packages dry roasted peanuts to schoolchildren in Haiti and so on a statement issued I'm skipping from this group from the aid group Partners in Health did not mince words about the announcement we believe this is wrong the well known aid group has been working on health and nutrition issues in Haiti for more than thirty years and so want it says we're not talking about big business owners being put at risk by an input of peanuts so this Dr Luis Iver senior health and policy advisor partners and house we're talking about small very poor farmers that are dependent on a single crop we really believe the dumping or donation whatever your perspectives whatever you want to call it will have negative consequences well they went ahead and made the and started the program the US The A they. They went ahead this is an article called red tear you can Google that if you want but. Yes they went if they went ahead and in spite of the pleas of the N.G.O.s Yes OK And then another that we got to get out of here OK. John they'll be the last word. Out of bed to birds OK so you can see this system is broken. And I really want to end with a powerful recognition that every human being is created in God's image they are the answer in most cases to their own problems we must recognise that partner with that encourage that we'll talk about that tomorrow by the way tomorrow I have some very powerful. Very powerful video just bring your Kleenex tomorrow let's head for prayer. Father in heaven thank you for the exciting truth that every human being has been and dolled by you with a bill. With the creativity of so many other gifts birthday gifts as they were. Bless us to to work in harmony with these precious truths we pray in Jesus' name amen. 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