3. The 2.5 billion people living on less than $2 a day – 40% of the world’s population – receive only 5% of global income, while 54% of global income goes to the richest 10% of the world’s population.'

4. The HDR 2005 cites the unjust global trade regime as a primary cause in increasing global inequality.

5. According to the International Forum on Globalization, 52 of the top 100 wealthiest economic entities are corporations as opposed to countries.

10. Avoids fixed cost by bundling

11. A business model is established

12. Banker comes to villages/borrowers

13. Repayment schedule is determined by business plan (usually 6-12 months)

14. Defaults are handled by village leader of eight solidarity groups

17. Not charity, it's about fair access

18. 100% delivered to borrowers

19. Repayment rate

21. A profile is created on the Kiva website

22. http://www.youtube.com/watch?v=Vf9ioT4iKcM

24. "Several years ago two friends of mine were speaking with a group of 40 clients at a micro-bank in South Asia. Impact the bank had had on the husbands of then on-borrowers; not their husbands, but the husbands of women who are not with the bank. The clients said, 'Before we took our loans, our husbands were day-labourers, working for others whenever they could find work. When we took our loans our husbands stopped being day-labourers and worked with us - bicycle rickshaw, husking rice, growing garlic on leased land. This caused a shortage of day-labourers in this area, so the husbands of the non-borrowers who were day-laborers-their wages went up.' That was the impact of this bank on the husbands of the non-borrowers."

26. Where does the money come from?

27. Interest rates can be as high as loan sharks

28. High risk

29. Informal market and labor

30. Empirical data

31. Nothing without education

32. It's only a loan

33. What are they buying with the money?

34. Is there a bigger problem?

36. Lives in Ticuantep, Nicaragua

37. He and his wife work a business together. They have three children, all old enough to be on their own.

38. They plan to open a welding shop that one of their sons

39. Mr. Lucilo has been farming for the past 30 years.

40. His biggest setback was not having been able to discharge his loan in time because he fell behind in production a bit, due to lack of raw materials needed for a good harvest.

41. With this sixth loan, he will buy fertilizer and raw materials to apply to his crops.

43. supported mostly by farmers with ties to the left-wing party in Nicaragua, has been organizing protests (some violent) and forcing microfinance institution branches to close.

44. Fed by the global the economic crisis

45. This group has submitted a law to the government to create a moratorium on debt repayment.

46. If passed, the law could have a crippling effect on the microfinance industry and banking sector in Nicaragua.

47. Kiva, along with 25 other funders from 9 countries, has signed onto a letter to the Nicaraguan government urging a resolution to this situation without enacting a moratorium on debt repayment.

48. For more information, please see the following article: http://impreso.elnuevodiario.com.ni/2009/09/24/nacionales/11023

50. Education Generation: Beta launched in fall 2008, this program already has funded 130 scholarships and raised over $30,000.

51. Young Agents for Change: Funding and ongoing mentorship for young BC social entrepreneurs (12-20)

52. The Microcredit Challenge: Campus game

58. 13 days, 650 km, departs December 28, 2009

61. $1200 trip fee, minimum $3000 fundraising goal Looking for Sag-wagon drivers too!

63. Perhaps there are bigger fish to fry – capitalism

64. But as far as global issues, poverty is the most pressing as environmental issues compound the poor will be marginalized first

65. This is the most effective and practical way of solving this major global problem to which there is no answer yet

66. But as to whether or not we're chaning anything, at least we're changing ourselves and having fun

70. Alternative Solutions to Global Inequity

71. Why Micro-credit Rocks

72. Why Micro-credit is Overrated

73. How to Keep Grassroots Organizations Grassroots

74. How Micro-credit and the Environmental Movement are related

75. Open to ideas!