|2006 NOBEL PEACE PRIZE.....ACKNOWLEDGE BASIC MANDATE OF PVAF....TO REMOVE POVERTY THROUGH KNOWLEDGE & EDUCATION|
Posted by Ashram News Reporter on April 27, 2007
PVAF EDUCATION PROGRAM
TO REMOVE POVERTY THROUGH EDUCATION IS A FACTOR OF RECOGNITION IN THE AWARD
OF 2006 NOBEL PEACE PRIZE
PVAF mandate is to give humanity access to knowledge.
Knowledge comes from education. Both knowledge and education are the very
basic life tools that remove poverty in humanity. And the use of both
knowledge and education in life is the fundamental to make tomorrow happier
than today. Happiness in life comes automatically if poverty in life is
alleviated if not eliminated. Poverty in life is basically attributable to
life barriers in physical, intellectual, emotional and spiritual existence
of humanity. The basic life barrier that can cause poverty is lack of
knowledge and education. Physical poverty comprises of:
- hunger meaning not having enough food daily for
physical, intellectual, emotion and spiritual growth and prosperity;
- hunger in turn causes inability to provide for basic
needs of life such as clothing, housing, education;
- both of the above in a community creates lack of
community infrastructure which creates a harmonious co-existence for
growth and prosperity through giving, taking and sharing of surplus of all
life necessities through social rules and regulations based on
- a poor community is a breeding ground another life
barrier of attacks and plundering of community which do not suffer
from the above three life barriers;
- all of the above life barrier creates another life
barrier - the necessity for human survival at any cost and competition for
the survival through non-DHARmik
- all the above life barriers causes failure to know why
it is necessary to uphold one's DHARm
in daily life and/or even if one knows one will fail to uphold
DHARm because to compete for
survival and prosperity humanity will go to any extreme including the
worst offence of taking another life.
PVAF in 1996 started this web site for the first mandate
of giving access to knowledge to the entire humanity. This start was a
self-birth created by PVAF volunteers who had the first hand experience of
all of the above life barriers and who had the wisdom gained from "school of
hard knocks" of succeeding in life through knowledge and education. The PVAF
web site kept on growing with increasing sophistication and means to access
knowledge. The growth brought to PVAF requests to fund education to acquire
knowledge and the self-birth of PVAF EDUCATION PROGRAM TO REMOVE POVERTY in
Gujraat, India. Please click
to acquaint with this growth of PVAF in the PVAF news article.....
Today is a very happy day for PVAF volunteers, donors,
site visitor and most of all PVAF education fund recipients whose basic life
barriers has been eliminated with knowledge through employable education.
Today is a happy day because 2006 NOBEL PEACE PRIZE has recognized
micro-credit and micro-financing to remove poverty as a noble cause in
life...which is the primary mandate of PVAF as explained above....
(The above column was contributed on behalf of PVAF Board
of Directors by PVAF Chair For Education Program Development, Champaklal
Dajibhai Mistry who has served in this position since the inception of
2006 NOBEL PEACE PRIZE
MUHAMMAD YUNUS SAYS THIS ABOUT POVERTY.....
"I was not trained to understand self-help. I was trained,
like all students of economics, to believe that all people, as they grow up,
should prepare themselves to get jobs at the job market. If you fail to get
a job, you register yourself for government charity. But I could not hold on
to these beliefs when I faced the real life of the poor people in
Bangladesh. For most of them [the] job market did not mean much. For
survival they turned to economic activities on their own. But the economic
institutions and policies did not take notice of their struggle. They were
rejected by the formal systems for no fault of their own....
I was shocked to see how poor people suffered because they could not come up
with small amount of working capital--[the] amount they needed was less than
a dollar per person. Some of them could obtain the money only against
extremely unfair terms. They were required to sell the goods to the lender
at the price set arbitrarily by him....
We create institutions and policies on the basis of the way we make
assumptions about us and others. We accept the fact that we will always have
poor people around us. So we have had poor people around us. If we had
believed that poverty is unacceptable to us, and that it should not belong
to a civilized society, we would have created appropriate institutions and
policies to create a poverty-free world. We wanted to go to the moon--so we
went there. We wanted to communicate with each other very fast-so we bring
appropriate changes in the communication technology. We achieve what we want
to achieve. If we are not achieving something, my first suspicion will fall
on the intensity of our desire to achieve it.
I strongly believe that we can create a poverty-free world, if we want
to.... In that kind of world, [the] only place you can see poverty is in the
museum. When school children will be on a tour of the poverty museum, they
will be horrified to see the misery and indignity of human beings. They will
blame their forefathers for tolerating this inhuman condition to continue in
a massive way....
Grameen has taught me two things: first our knowledge base about people and
their interactions is still very inadequate; second, each individual person
is very important. Each person has tremendous potential. She alone can
influence the lives of others within communities, nations-within and beyond
her own time. Each of us has much more hidden inside of us than what we have
had a chance to explore so far. Unless we create [an] enabling environment
to discover the limits of our potential--we will never know what we have
inside of us. Grameen has given me a faith, an unshakable faith in the
creativity of human beings. That leads me to believe that human beings are
not born to suffer the misery of hunger and poverty. They suffer now and did
in the past because we turn our mind away from the issue. "
(Speaking Out, a regular feature in
Countdown 2005, highlights commentary from the Microcredit Summit
Campaign Executive Committee. This article quotes Muhammad Yunus, founder
and managing director of the Grameen Bank in Bangladesh and Co-Chair of the
Microcredit Summit Council of Practitioners. His remarks are excerpted from
his acceptance speech for the Help for Self-help Prize of the Stromme
Foundation, given on September 26, 1997 in Oslo, Norway.)
(The banner photo to this news item is from ASHOKA web
site....Ashoka is leading a profound transformation in society. In the past
three decades, the global citizen sector, led by social entrepreneurs, has
grown exponentially. Just as the business sector experienced a tremendous
spurt in productivity over the last century, the citizen sector is
experiencing a similar revolution, with the number and sophistication of
citizen organizations increasing dramatically. Rather than leaving societal
needs for the government or business sectors to address, social
entrepreneurs are creating innovative solutions, delivering extraordinary
results, and improving the lives of millions of people....go to
ASHOKA web site to know
more by clicking on the yellow name hilite.....)
Please click on the next line to enlighten
yourself on the micro-credit, micro-financing and the winner of 2006 Noble Peace
Prize winner Muhammad Yunus....and prayfully all this will inspire you to be a
warrior to remove poverty on this planet earth.....
Benefits of microcredit still indistinct..
SHOWS LIGHT AT THE END OF THE TUNNEL....
Canadian Globe and Mail: October
14, 2006: TAVIA GRANT
Microfinance has helped millions of impoverished people, but the jury's
still out on the depth of its effect on global poverty.
Ample anecdotal evidence suggests tiny loans, along with financial training,
have hoisted many out of poverty.
Despite that, the precise benefits of microcredit are still hazy, several
"I am a great admirer of Professor Yunus -- he is a brave, generous and
brilliant man who's done lots of things that needed to be done," said
Abhijit Banerjee, a development economist at the Massachusetts Institute of
Technology, referring to yesterday's Nobel Peace Prize winner, Muhammad
Yunus. "But being where I am situated in the intellectual domain, I can't
possibly say there is evidence that [microcredit] actually works."
Benefits of microcredit still indistinct. That's not to say that it doesn't
work. It just means more thorough research may be needed. Mr. Banerjee, who
hopes to get more results next year from a study he's conducting in
Hyderabad, India, believes it works but says the evidence so far has been
There are "a lot of very plausible theories which make it highly likely that
in some version it does work," he said. "But to go from there and say that
there actually is demonstrated evidence that it works is a stretch."
That's because it's hard to compare someone with a loan with someone without
a loan. People who tend to take the loans do so voluntarily, meaning they're
probably already more motivated to claw themselves out of poverty, he said.
A look at the Grameen Bank's website seems to suggest it's working. The
bank's loan recovery rate is reported as 98.85 per cent, even though it
doesn't require any collateral. The bank, which gives almost all of its
loans to women, has turned a profit in every year but three of its 23-year
Bangladesh, once dubbed an international "basket case" by former U.S.
secretary of state Henry Kissinger, last year became one of the
fastest-rising countries in the rankings of the Human Development Report.
Microfinance alone accounts for 40 per cent of the reduction of rural
poverty in the country, a World Bank researcher has found.
It's a model that's being replicated around the planet, from Bolivia to
Burundi. And the world over, the success stories are remarkable.
That's not to say there aren't wrinkles. One is that just throwing a loan at
someone, in and of itself, is not likely to work, say people with experience
in the field.
"Just providing loans with cold money is not a good way to do it because
very often the people . . . won't repay it," said France Michaud,
spokeswoman for Montreal-based Desjardins Group, which works on microfinance
projects in 22 countries.
Like others, Desjardins has moved from microcredit to microfinance. It teams
up with local institutions to offer broader financial services for the poor,
from "micro-insurance" to financial training, savings accounts and credit
Ms. Michaud says microfinance helps whole communities over generations, as
self-sufficient families are more likely to send their children to school.
The educated children, in turn, will be more likely to get jobs.
Another challenge may be that the area of microfinance is growing so much,
so fast. About $4.5-billion (U.S.) worldwide lies in microfinance currently,
a sum that's swelling 20 per cent a year, said Martin Connell, the
co-founder of Toronto's ACE Bakery, who has worked in the area for two
Many, including Prof. Yunus, are convinced its benefits will only expand.
"Credit should be the No. 1 human right," Mr. Yunus said in a December
interview with The Globe and Mail. "If you can create this, all the other
human rights -- income generation, food, shelter, health -- will come."
MICROLOAN PIONEER &
BANKER TO POOR
WINS 2006 NOBEL PEACE PRIZE
Muhammad Yunus: Born June 28,
Chittagong, Bengal (current day Bangladesh)
Occupation Founder, Grameen Bank
for Mr. Yunus's biography on Wikipedia
Globe and Mail:
October 14, 2006: ESTANISLAO OZIEWICZ
Muhammad Yunus's "eureka moment" came more than 30 years ago when he
encountered a nearly destitute Bangladeshi bamboo weaver enslaved to a
"I couldn't understand how she could be so poor when she was making such
beautiful things," recalled Mr. Yunus, a 66-year-old Bangladeshi economist,
in an interview several years ago.
Yesterday, Mr. Yunus and the Grameen Bank he founded were awarded the Nobel
Peace Prize for establishing a "microcredit" system enabling some of the
world's neediest people to establish small businesses through small,
non-collateral loans. The average loan is about $200 (U.S.).
Back in 1974, not long after returning from doctoral studies in the United
States, Mr. Yunus surveyed other villagers and found many, like the bamboo
weaver, who were also indebted to loan sharks.
He decided to dig into his own pocket and lend the villagers money -- paying
him back whenever they could -- so they could buy their own weaving supplies
and "liberate themselves."
The idea led to the creation of the Grameen Bank in 1983. Today, it is the
largest rural bank in Bangladesh with millions of borrowers, most of them
In awarding a prize more usually given to those pursuing peace in the
world's trouble spots or fighting for human rights, the Norwegian Nobel
committee specifically linked peace to reducing poverty.
"Lasting peace cannot be achieved unless large population groups find ways
in which to break out of poverty," the committee said. "Microcredit is one
such means. Development from below also serves to advance democracy and
At his home in Dhaka, Mr. Yunus said: "I think this is a wonderful
recognition for our efforts at Grameen Bank, and for all the women who work
for us and who have made Grameen Bank a success."
Mr. Yunus has not been without detractors, some of whom have questioned the
reliability of his repayment-rate figures -- 98.5 per cent, according to the
bank -- and others who question whether his system actually promotes overall
Nevertheless, the concept has been copied widely, the Nobel committee noted,
saying Mr. Yunus and the bank became "a source of ideas and models for the
many institutions in the field of microcredit that have sprung up around the
The World Bank estimates that there are now more than 7,000 microfinancing
institutions serving 16 million people.
James Wolfensohn, a former head of the World Bank, told The New York Times
that the award testified to "the power of entrepreneurialism."
"What it has to do with peace is that it gives dignity to families and hope
to families," he said. "And it's the lack of hope that is the greatest cause
of bloodshed and intolerance."
Mr. Yunus said he will use the $1.37-million prize to fund a project to
produce low-cost, nutritious food for the poor and for an eye hospital, a
drinking-water project and a health-care plan.
He is the first Nobel Prize winner from Bangladesh, a poor country of about
140 million people located on the Bay of Bengal.
"Poverty alleviation is peace," Mr. Yunus said yesterday. "For hundreds of
millions of people, peace comes only through poverty alleviation. So it's
fitting that they have given me the peace prize as recognition for efforts
to eradicate poverty from the world."
He also expressed delight at the recognition it has brought his country. "I
am also proud for the whole country. . . .We are proud because at last the
world has recognized what we have done in Bangladesh.
"We will now hold our heads high in the world. It will encourage us to do
more work to fight poverty," he said.
Mr. Yunus lives in a modest, two-bedroom apartment in Dhaka with his wife,
Afrozi, a physicist, and their daughter, Deena.
Martin Connell, co-founder of ACE Bakery in Toronto, has worked on
microcredit issues for more than 20 years . He said yesterday that Mr.
Yunus's impact has been profound.
"He has influenced literally tens of thousands of microcredit programs that
are operating globally and he's probably inspired most of the microfinance
movement on a global scale."
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