" manage finance and economics of the poor " (Portfolios Of The Poor:HOw The World's Poor Live On $2 A Day) one book, ever the book of the year that · of mark of CEO of selected face book ties Kebaige. Recently, the Chinese edition of this book is rolled out.
Zakebaige and his " the book of year "
2015 when, plunge into Ke Baige hair to wish, want every two weeks to read a book, built on facial book then " the book of year " (A Year Of Books) page, the record finishs 23 books that read in year. Among them, have " classics of conduct financial transactions " one book, zakebaige hopes to read this book to be able to be in to him help poor respect offer wisdom better.
" manage finance and economics of the poor " 4 authors, have the doctor's degree of top-ranking university, have economics major, also have anthropologic major. In this book, the impoverished area of their development India, south Africa, Bangladesh, track an interview to what local dweller undertook is as long as one year, the record leaves old practice of their conduct financial transactions, sum up their commonly used economy kind, channel and principle. Its purpose, it is to be those people that pay close attention to destitute area and commonweal organization, charitable foundation to offer a few how-to and draw lessons from, spread out the more effective job that help deficient up at this point. Rely on everyday the money with 2 fewer even dollars, want to satisfy the need before already, want planning future again, how does so extraordinary success achieve? Where is larger possibility again?
" manage finance and economics of the poor " English edition
" manage finance and economics of the poor " become Zakebaige not only " the book of year " , also obtained " economics person " , " new York Times " , " new York guest " the attention that waits for foreign media. " new York guest " evaluation: "10 years ago, this one extraordinary made author begins to collect Bangladesh, India and south Africa family to last all the year round log of detailed conduct financial transactions... the behavior of these families is unreasonable it seems that -- they are leasehold to put money, pay interest to put money -- but the income that considers they are uncertain and very limited selection, their behavior is not fathomless. This book author offerred those who add an option for the poor ' prescription ' , this itself already the sense is extraordinary, their meticulous to real action attention makes this book more precious. Their meticulous to real action attention makes this book more precious..
Insurgent news obtains content of the part in edition of accredit cento Chinese:
" manage finance and economics of the poor " , [the United States] Jonathan Moduoke, Situerte Lasefude, Daruier Collins, Aolanda Lusaiwen, oriental publication center in January 2018 edition.
Reporter, politician, international is organized and rock and roll star people let the public have clearer and clearer perception to global imparity. All sorts of motion that regular meeting of the press classics is led to global poverty and the whole world aims to lower this rate have a story. Income of day of average per capita has made the accepted standard that limits poverty under 2 dollars. World bank says to 2.6 billion person belongs to this category in the statistic 2005 -- 2/5 what occupy the mankind. In this 2.6 billion person, the poorest 900 million person everyday income still is less than 1 dollar.
To lying this is planted in circumstances for us, very difficult imagination reachs how should rely on so scanty income a future life to live. We also did not try to imagine even. We just assume, support is small so mysterious income, poor people also does not have a law to become other issue besides burnt mouth. We think, they cast off poverty to be able to count on the beneficent support on international only, or the economy that oneself blends in globalization gradually. Then, about the most intense debate of global poverty, it is the flow direction around aid money and debt derate, around the advantage of globalization and disadvantage. And poor after all how self-made, the discussion of this respect is heard rarely however. You how can recumbent 1 dollar or do 2 dollars pass one day? If this imagines very hard, in be in such environment personally then, you want how rich rise, imagined harder.
Imagine please, the income of your home has average per capita only really everyday 2 dollars are fewer even. If you also lie such condition, that can be sure you are to lie in informal economy system almost, now and then find the job, perhaps hold two or more posts concurrently, perhaps employ oneself. Live about how relying on 2 dollars everyday, get discussion least is, actually you also are not taken everyday. 2 dollars all just are worth everyday. Your earn is occasionally more than this, occasionally you earn is less than this, normally a minute of your money also does not have the likelihood gain. In addition, the help that the government can provide is very limited, even if have, rate is very low also. Your biggest support source is your kin and neighbour, you can rely on most nevertheless moment only yourself.
Your most money is beautiful was in on requisite, most macrocephalic is food. So how do you do budget? How can you assure to have everyday eat have drink, is to a few days that earn money ability cram oneself with food? If this is already enough difficult, how do you answer the emergency that break out again then? When how can you assure to fall ill in the child can when how can you assure to fall ill in the child, you pay remove medical expenses? Even if without such emergency, how can you put a money to come slowly then some day answers a good deal of defray, for instance the house is mixed furniture, teach and marry of the child charge, and charge of provide for the aged? Altogether, how can you rely on so little Qianlaili does money get along?
These are a few people are in everyday faced real problem. If want to create new commercial pattern, build new market to come the crowd that the service lives at can relying on 1-3 dollar this only everyday, so the start that these problems also think just about. The policy formulate of more and more serious to wanting beat back economic imparity condition person with the government sector for, these problems also are their jumping-off place apparently.
Although these are the main problems of the economy condition about the poor, but surprising is, you give out very hard however the answer. The view that existent data sources offers is narrow. It is a government no matter or the sort of large-scale, covers the throughout the country economy investigation that the orgnaization place such as bank of such as world makes, still be miniature anthropologic research or professional market research, they want the gotten result that is not these problems. Extensive investigation can allow state of our dekko life, can help the poor amount of analyst statistic whole world, measure them how to much consume every year commonly. But how does poor people get along after all every day, they how formulate life is politic, measure gain and loss, grasp an opportunity? About these problems, this kind of investigation knows with respect to place finite. Anthropologic research and market research can more close quarters ground watchs action, but seldom offer what the economic action of strict definition concerns inside a paragraph of period to quantify evidence however.
Considering this kind of blemish in our knowledge, and more and more relevant problems that ourselves encounters, a certain number of before New Year, we were started a series of detailed, cross year how does the family that investigation will come to make clear these Hunan income are few live. What some investigation track is the villager of agricultural community; Some are urban poor people. The first discovery is most essential: No matter of our investigation is what person, we discover most family, even if income of day of average per capita is little the family at 1 dollar, few also one gain money is spent. Contrary, they try " do " oneself money, can put put, can borrow borrow. They are not total can achieve a goal successfully, but the elapse as time, also can gather even the most impoverished family the money that has brushstroke to make a person amazed with this kind of means even, can turn into deposit to perhaps be used repay loan. In this process, they used varied method: Money is put in the home, put money there others, perhaps put a bank; Join deposit fraternity, put borrow fraternity, and insurance fraternity; Lend money from neighbour, kin, employer, leasehold person or financial orgnaization. It is to be on which time place no matter, average impoverished household can establish relationships of a variety of conduct financial transactions at the same time external.
Look at this process how to spread out step by step as us, two kinds of thoughts let us feel astonish, changed our impoverished to the world view, and the latent capacity that the market answers place of impoverished family demand to have. One of, we realise, to the poor, conduct financial transactions is the very primary one share in daily life, they are very clear also this. This lives to impoverished family him improvement can have much success, have decision sense. Of course, conduct financial transactions does not compare health necessarily, get good education or it is more important to have money, but it is the basic measure that achieves these mainer goals however. Secondly, we discover, on every key dot, impoverished family is used because of them do oneself the method of scanty income is not quite reliable and equipment is stricken, feel depressed fully. This lets us realise, if ensure impoverished family can enjoy a series of better finance tools, the chance that then they improve themselves to live is met with respect to affirmation increase greatly.
The tool that we say is to point to tool of conduct financial transactions -- financial tool. They are the tool that such a few earnestly require: Can allow day all income the people of 2 dollars not only can everyday cram oneself with food, what still can answer the life to be placed before us is other each defray. The financial tool that is worth reliance highlights the value that give, mix to the lifestyle of impoverished family normally with people of the tendency assume as it happens is contrary. It asks we ponder over us afresh the idea about bank and financial industry. This kind thinks to had carried the whole world partly afresh " miniature finance " move and started, but the way in front is very long still. The discovery in this book drives society and the philanthropist with transitional economy and governmental orgnaization to seek, and the business organization that seeks patulous market pointed out new opportunity.
Poor and other group are same, it is a flock of very multivariate citizens, but their one big collective drop is, make of category of their classify poor is, they do not have how many money. If you are very poor, the money that does you well is your life absolutely not 2 centre of gravity -- compare any other crowds probably more such.
