JOSB vol 2(1) pp26-43 -paper health and microfinance- leveraging the 2 sectors to alleviate poverty -by Sheila Leatherman U North CarolinaChapel Hill, Marcia Metcalfe Freedom From Hunger Davis CA et al

Freedom From Hunger and 5 MFIs - Benin (PADME), Bolivia  (CRECER 0 1), Burkina Faso(RCPB 0), India (Bandhan 0), Phillippines(CARD0)  -tested whether mfis could sustainably offer health-related services with positive health and social impact for client. Health services ranged through education, health financing  (loans, savings and microinsurance) to linkages with health providers and health products. We find that mfis offer large and growing distribution networks that can provide services to improve health and financial security accuing to multiple stakeholders. Relatively modest investments to support integration of health and financial services can yield substantial financial and non-financial benefits.

editors notes: not explicit part of paper, we always aim to clarify ownership details of mfis mentioned in cases but need local correspondence help to cross-validate what may be a fast-changing classification

Ownership - to be checked (your help needed) - PADEM an early world bank investment, CRECER private not for profit;; RCPB credit union/coop ; turned from NGO into shareholder bank; CARD complex - an eraly grameen replicate in 1990 now has both a ngo and a shareholder division (unlclear who shareholders are)

Jamii Bora kenya -

JOSB vol 1(3) Oct 2011 pp121-126 on page 124 founder of JB Ingrid Munro explains that JB couldn't be sustainable without a members health insurance package - her membership targets families including youth and mothers; it was not possible to sustain 95+% repayments without insurance because in Kenya's slums if a family member fell critically ill the loan recipent spent the money on the family member. What JB did was buy mass contracts with missionary hospitals so deveoping its own health insurance

Admittedly Kenya's situation was fortunate in having a network of missionary hospitals which actually wanted a large contract -thus JB became the world's most eonomical leath insurance benchmark for 200000 families. JB also runs some of its own wellbeing classes- thre is one modeled on alcoholics anonymous which some (mainly male) youth are required to take before becoming members; there is another on empowerment that women who have come from a battered background are supported by

paper avialable infree download issue 3

2nd social business chair is dedicated to connection between microfinance and microhealth

Inaugural Lecture by Professor Cam Donaldson, Glasgow Caledonian University

JOSB Issue 1 2011 pp 155-167

compares viewpoints on economics of heathcare of yunus and of adam smith

available as free download in issue 1 of JOSB


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Future of University - Ning

JOSB is home for valuetrue microcredit ratings inspired by scottish microeconomists- papers relating to our 3 primary criteria:

  • a) is microcredit owned by or in trust for poorest? - journalise why is impact of this vital apart from ensuring value of productivity is sustained (not sucked out);
  • b) every service of the microcredit aims to redesign value chain around the microentrepreneur in ways that minimise risk of being an individual income generator provided you are a hard worker; such microfranchising is arguably the biggest source of 3 billion new jobs that the net generation can co-create if you value the login of our 1984 future history on the net generation
  • every opportunity to integrate technology and energy is attended to since history shows these are the only stimuli that can exponentially advance communities wealth and health

top 50 social business and youth job creating networks - journal and other links to following- coming soon


1 jobs competitions -external link 1

2 institutes of social business : linking complete catalogue of cases and action contacts -external link 1

3 singforhope & networks of Future of Heroes (mass media )  -artists & youth peace corps in every community -external link 1

Keynes implied that economists either design or destroy the futures that most people want

Designing the futures that most people want from

4 banking designs value chains of finance &

5  membership integrated with developing healthcare

6 job creating education

7 value chain transformations in selected areas of agriculture ( including feed the future :food security)

8 Where is mobile a gamechanger in microeconomics of a whole sector

9 banks with values -next transformations and goodwill wars - eg mobile currency

APPS and Microfranchises

10 where is micro energy on moores law - doubling total solar energy units installed annually - eg grameen shakti 2012 growing from millon to 2 million!

11 the free nursing college - goal to celebrate girl power by ending nurseless villages

12 celebrating the greatest social business apps of nutrition and valuetrue's 3 ratings as yet only reveal 6 AAA microcredit models

13 Grameen in Bangladesh but not as averagely funded abroad

14 BRAC everywhere

15 jamii bora for kenya an mobilising youth to end sluns

16 microloanfoundation for extreme rural african microcredit models with help from knowledge nets in Boston and London

17 ADIE leading model for end underemployement in Europe

18 Conscious Capitalism selected local parthers in microcredit eg as integrated into total brand reputaion and purpose of whole foods

19 Patent pools and other youth-mediated partnerships where open sourcing technology for poorest is wholly valued by most trusted leaders of our times- 1 million times more collaboration tech than when man raced to moons in 1960s

Investing in net- generation - Goals, visions, future purposes people need most out of every global village

20 ONE GOAL- Youth Investment Banking - first 10000 youth-led projects

21 can make 2015+ goals more systemic than millennium goals version 1

Entrepreneurial Revolution (Year 40 of The Economist challenge leadership genre)  transformations of 20thC systems through youth mediated partnerships and cross-cultural maps -back from future sustainability of borderless world:

30 Future of Economics - Go micro before too big to exist systems end up on Orwell's Big Brother endgame

31 search for 100 leaders of 2010s = worldwide youth's most productive decade - external link

32 changing charity, foundation -eg social impact bonds
33 changing gov - eg privatisation owned by communities and grassroots networks

34 changing corporations and media

35 conflict resolution eg through millennium goal shared franchises

36 changing professions

40 US Student competition to end illiteracy

41 US student competition to end food deserts

42 US student competition to regenerate localities around skill bases global industry exited from

43 News of student competition priorities from 12000 Japanese Stident Competition Expo

44 microcredit selection lists by application - wholeplanetfoundation chooses worldwide's most fit microcredits for regenerating rural communities near places that already produce world class produce

48 Stuctural advances in Social Business Capital

49 Viralise Trillion Dollar Audits - what's each global village markets most sustainable human purpose

50 Updating League table of 20 greatest innovation partnerships for 2010s

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