\u6642\u5e38\u9020\u8a2a\u6211\u90e8\u843d\u683c\u7684\u4eba\u90fd\u77e5\u9053\uff0c\u6211\u8a8d\u70ba\u4e00\u500b\u597d\u7684\u90e8\u843d\u683c\uff0c\u4e0d\u5728\u6587\u7ae0\u7684\u591a\u5c11\uff1f\u800c\u5728\u65bc\u56de\u61c9\u7684\u5167\u5bb9\u54c1\u8cea\u3002\u6211\u975e\u5e38\u9a55\u50b2\u6709\u8a31\u591a\u597d\u670b\u53cb\u53c3\u8207\uff0c\u8b93\u9019\u90e8\u843d\u683c\u6210\u70ba\u6211\u5011\u5171\u540c\u9ad4\u9a57\u751f\u547d\u7684\u805a\u6703\u6240\u3002\u7576\u60a8\u5011\u6709\u4efb\u4f55\u554f\u984c\uff0c\u6211\u90fd\u6b61\u8fce\u60a8\u5011\u5728\u6b64\u5206\u4eab\u3002\u8981\u518d\u4e00\u6b21\u7684\u62b1\u6b49\uff0c\u6211\u7528\u82f1\u6587\u56de\u7b54\u60a8\u5011\u7684\u554f\u984c\uff08\u5343\u842c\u4e0d\u8981\u6015\u82f1\u6587\u3002\u9019\u90e8\u843d\u683c\u7684\u6210\u7acb\u5c31\u662f\u8981\u5728\u53f0\u7063\u5efa\u7acb\u4e00\u500b\u82f1\u6587\u53cb\u5584\u7684\u7db2\u8def\u74b0\u5883\u3002\uff09\u82f1\u6587\u53ea\u662f\u4e00\u500b\u5de5\u5177\uff0c\u4e00\u500b\u8b93\u6211\u5011\u7368\u7acb\u5c0b\u6c42\u7b54\u6848\uff0c\u8ddf\u4e16\u754c\u6e9d\u901a\u7684\u5de5\u5177\u3002\u96d6\u7136\u6211\u4e26\u4e0d\u80fd\u7d66\u60a8\u5011\u4efb\u4f55\u7b54\u6848\uff0c\u4f46\u7d93\u904e\u4e0d\u65b7\u7684\u554f\u5c0d\u7684\u554f\u984c\uff0c\u60a8\u6162\u6162\u6703\u81ea\u5df1\u627e\u5230\u7b54\u6848\u3002<\/p>\n
\u5728\u6700\u8fd1\u7684\u4e00\u6b21 Ppaper Business 06 \u4e2d\uff0c\u6211\u5beb\u4e86\u4e00\u7bc7\u6709\u95dcKiva.org\u7684\u6587\u7ae0\uff0c\u5f97\u5230\u8a31\u591a\u5e74\u8f15\u670b\u53cb\u56de\u97ff\uff0c\u7d93\u904e\u4ed6\u5011\u540c\u610f\u5f8c\uff0c\u6211\u5c07\u5176\u4e2d\u5169\u4eba\u8ddf\u6211\u7684\u4f86\u5f80e-mail\u5206\u4eab \u65bc\u5f8c\uff0c\u5e0c\u671b\u5927\u5bb6\u80fd\u958b\u59cb\u5c0d\u81ea\u5df1\u53ca\u5c0d\u793e\u6703\u66f4\u6709\u4fe1\u5fc3\uff0c\u4e0d\u65b7\u7684\u554f\u81ea\u5df1\u4e09\u500b\u554f\u984c\uff1a<\/p>\n
1.\tWhat do you hope to achieve in life?<\/p>\n
2.\tWhat is important to you now?<\/p>\n
3.\tWhat topics are you most concerned about?<\/p>\n
\u7528\u5fc3\u7684\u627e\u51fa\u9019\u4e9b\u7b54\u6848\uff0c\u4e00\u76f4\u5728\u5fc3\u4e2d\u919e\u91c0\u6253\u91cf\uff0c\u6709\u4e00\u5929\u7576\u60a8\u6e96\u5099\u597d\u6642\uff0c\u5c31\u662f\u60a8\u958b\u59cb\u884c\u52d5\u6642\u3002<\/p>\n
\u6c38\u9060\u4e0d\u8981\u653e\u68c4\u6210\u70ba\u4e00\u500bBetter Person\u7684\u6a5f\u6703\u3002<\/p>\n
\u9019\u662f\u8207LL\u6709\u95dckiva\u7684\u4f86\u5f80\u4fe1\u4ef6\u3002<\/p>\n
—————————————————————————————————-<\/p>\n
\nDear Mr. Chu, <\/p>\n
First of all, I really like what you mentioned in your blog posts and articles: you’re a businessmaker, daymaker, ripplemaker. I like the “ripplemaker” especially, because I’m always trying to be a ripplemaker. I firmly believe I can help or change others once I try to do so.<\/p>\n
I’m a graduate student studying in NCCU(National Cheng-Chi University and majoring MIS(Management of Information Systems). I’m also a web developer with some experience.<\/p>\n
After reading your article on ppaper business, I decided to send a mail to you. I finished my lending process on Kiva. In fact, I have a Kiva account from last year, but I didn’t try to loan until yesterday. <\/p>\n
I think you gave me the drive to visit Kiva again and lend some small money for those people in need. I can’t agree with you more that what you said “entrepreneurship is the best way to create jobs and resolve poverty”.<\/p>\n
I lended us$25 to a single mother who lives in Nicaragua for helping her small business. The reason why I decided to lend to her is simple: she’s a single mother who raising a child, and she can finish expected amount after my loan. I hope it would be a little helpful for her.<\/p>\n
For your second challenge in ppaper business, I feel it’s a very interesting topic especially in Taiwan. I’ve thought about the feasibility and market in Taiwan when the first time I heard about Kiva.<\/p>\n
As a web developer, I think building up a Kiva-like website in Taiwan is doable. In Taiwan there are some nice web services for cash-flow, and we’ve got a large Internet popularity, and the most important one is: people in Taiwan is much richer than some countries.<\/p>\n
I think there are some concerns if we wanna build up a Kiva-like website in Taiwan:<\/p>\n
1. Law issue. I’m not a lawyer and not a professional for laws, but I think there must be some restrictions for this model.<\/p>\n
2. Moral hazard and risk such as frauds, bad debts. I think people in Taiwan maybe have some experience or heard about fraudulent organization. I don’t know if it would be a obstacle for promoting a Kiva-like idea in Taiwan.<\/p>\n
However, I think the basic idea for helping somebody to start up is definitely feasible. I don’t know how did you consider the feasibility or other related issues about it?<\/p>\n
Last but not least, I’m really glad to send this mail to dear Mr. Chu. I think I’ll send mail to you again in the future if I have some ideas about Kiva or something. \ud83d\ude42<\/p>\n
Yours sincerely
\nLL<\/p>\n<\/blockquote>\n\nDear LL:<\/p>\n
Thank you for your thoughtful emails. You are my Daymaker today. Your English is excellent, by the way.<\/p>\n
The idea of my column on Ppaper Business is not to introduce Kiva but to get more people to take action and become Kiva member. It is not the money it counts, it is a way to know yourself. Why did you not loan this US$ 25 when you got excited about Kiva? This self reflection will teach you to know yourself. On the other hands, after learning this about yourself, you got involved with Kiva and loan US$ 25 and become a proud Kiva loan giver. You are on your way to do great things in the future. Now, you are thinking and doing things differently.<\/p>\n
Look at the mirror and change the man inside.<\/p>\n
Yes, I know there is legal issue on this in Taiwan. Kiva has even more problems in the States. However, they set up it as a non-profit and got into a gray zone when they started. Now, they have in house legal advisor to guide them to comply with the law.<\/p>\n
I also know \u201c104 boss\u201d in Taiwan has the similar concept but poorly designed and poorly executed. Prosper has been shut down due to the for-profit nature of the business and the high deliquency rate.<\/p>\n
Kiva is micro loan to the real poor people through other partners in the field. The repaid rate is so high that it has become a golden standard. They can make US$5.0 million loan a month now. What a accomplishment?<\/p>\n
My good friend, Wendell, told me the culture thing is in the way. Taiwan is a low trust society. We are too smart to trust anyone. Please take a look on Kiva’s member list. They are all normal people with middle class income. They are happy because they want to share happiness. I believe we have enough this kind of people in Taiwan. We just need to find a way to release this powerful intention. Your talent in web design and system implementation could be a great asset for us to launch a great web based social entrepreneur. Are you that good? \ud83d\ude42<\/p>\n
Kiva is a concept. we can leverage this concept to build a web based platform to help people lift their poverty or any other causes.<\/p>\n
Please keep in touch so we can create a think tank to use web to do good things.<\/p>\n
Be the change, Ping<\/p>\n<\/blockquote>\n
\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d
\n\u9019\u662f\u8207RR\u6709\u95dckiva\u7684\u4f86\u5f80\u4fe1\u4ef6\u3002
\n\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d\uff0d<\/p>\nDear Ping,
\nThis is the first time I try to mail you some of my thought. I\u2019m 18 now, and studying computer science in NCCU. I\u2019ve read ICB and ppaper since I was a high school student.
\nI have great interested in Web technology and business. I\u2019ve learned related skills for 3 years and an intern Web developer in a company for 1 year. This summer, I\u2019m dedicated to an independent website startup, and hoping that I can do something amazing.
\nThe love of the internet is why I feel really excited as I read your article in the latest magazine.
\nI think Kiva is revolutionary because it show a whole different approach and possibility of charity. It reminds me of Red product project. Most of us consider doing charity to be donating something like money or time but both of Kiva and Red are not.
\nActually, Kiva isn\u2019t a new idea and I\u2019ve learned it years before. I still remember either Kiva or Prosper was popular in 2007. In Taiwan, there is no trouble to build such a website. Any senior web developer like me can build a full functional one by himself. As far as I\u2019m concerned, the main problem we\u2019re faced with is that such an abnormal loan agency which perform every operation peer-to-peer and online might be illegal in Taiwan.
\nTo be frank, the reason why I send you the mail is not only because I want to share some of my idea but also want to help you to build up a Kiva-like website in Taiwan. I\u2019m sure that I have great ability of Web design and development. If you have any problem or just need some help, please tell me. I would be glad if I can take part in such an revolutionary project.
\nI\u2019m looking forward to hearing from you and thank for your reading.
\nBest Regards,
\nRR<\/p>\n<\/blockquote>\nDear RR:
\nJust a quick note to thank you for your can do spirit. I would love to meet you and connect you with other young people who are aspiring to be a web entrepreneur.
\nFist thing first, I still want you to join the Nonzero Club and loan US$ 25 to a selected third world entrepreneur. I will reimburse you this amount of money when we meet later.
\nThe idea of my column on Ppaper Business is not to introduce Kiva but to get more people to take action and become Kiva member. Richard, if you don\u2019t take action and loan the US$ 25, you are not the person who will start a business for the good of society. It is not the money it counts, it is a way to know yourself. Why did you not loan this US$ 25 when you got excited about Kiva? This self reflection will teach you to know yourself. On the other hands, after learning this about yourself, you got involved with Kiva and loan US$ 25 and become a proud Kiva loan giver. You are on your way to do great things in the future. You are thinking and doing things differently.
\nNow, you know how our youth\u2019s attitude about starting their own business. People just got infomation on what\u2019s cool, not many of them actually take action and participate. Only through the personal experience in Kiva and engage with these poor entrepreneurs seeing them to be successul ( repaid the loan ), you will get a sense of joy and know you are a good man.
\nLook the mirror and change the man inside.
\nYes, I know there is legal issue on this. Kiva has even more problems in the States. However, they set up it as a non-profit and got into a gray zone when they started. Now, they have in house legal advisor to guide them to comply with the law.
\nI also know 104 boss in Taiwan has the similar concept but poorly designed and poorly executed. Prosper has been shut down due to the for-profit nature of the business and the high deliquency rate.
\nKiva is micro loan to the real poor people through other partners in the field. The repaid rate is so high that it has become a golden standard. They can make US$5.0 million loan a month now. What a accomplishment?
\nMy good friend, Wendell, told me the culture thing is in the way. Taiwan is a low trust society. We are too smart to trust anyone. Please take a look on Kiva\u2019s member list. They are all normal people with middle class income. They are happy beacuse they want to share happiness. I believe we have enough this kind of people in Taiwan. We just need to find a way to release this powerful intention. Your talent in web design and system implementation could be a great asset for us to launch a great web based social entrepreneur. Are you that good?
\nKiva is a concept. we can leverage this concep to build a web based platform to help people lift their poverty or any other causes.
\nBe the change,
\nPing
\nwww.pingchu.com
\nwww.twitter.com\/pingchu
\nPlease visit my blog and get to know me better before we meet.<\/p>\n<\/blockquote>\nDear Ping,
\nI feel glad and really appreciate your reply. I\u2019ve been once afraid that you might be unwilling to talk to such a young guy.
\nToday, I\u2019m delighted to tell you that I\u2019ve almost made my first loan on Kiva.org. To be frank, when I read your mail this afternoon, I felt a little embarrassed since I forgot that the most important thing is to participate. Thank you again for reminding me what really counts. It gave me a chance to know more about myself.
\nThe experience of making loan is fun as well. I spent about three hours browsing the site and tried to find out the ideal entrepreneur. I chose a herbal seller in Ghana, which is a country I\u2019ve never heard before, as my first try for I believe if I can help him, he can help other people in need in his country. That is, he can spread the goodness.
\nI even told my father about Kiva. He also consider it workable and was amazed by such an idea. My dad is a good man. He has donate to the charity every year. What\u2019s more, he decided to make his first loan with me. He chose three brothers in Cambodia because he find a dream in their eyes.
\nHowever, when we want to check out. We encountered a problem that we have no paypal account. Soon as we finished signing up an account, we still need to wait for the credit card verification.
\nI\u2019m looking forward to make my first loan. I\u2019ll write more about how I feel after I successfully help other entrepreneurs in the third country.
\nBy the way, I read a part of your blog, and would like to have a copy of daymaker. Could it be possible for me to get one in any bookstore or it\u2019s only available in Aveda?
\nBest Regards,
\nRR<\/p>\n<\/blockquote>\nDear RR:
\n\u201cHe chose three brothers in Cambodia because he finds a dream in their eyes.\u201d Kudos to your dad for me.
\nIt is occasionally having met a reader like you that made all my efforts worthwhile. You are my Daymaker today.
\nI also spent lots of time to find the right entrepreneurs to loam my money too. It is a really fun experience. You know you have been a responsible global citizen through your own effort. The world is always changed by these small group of enlightened people.
\nI, especially, love to know that you got your father interested in this endeavor. It must be a great father and son bonding. You will get your Paypal account soon and you will be able to explore more and help more people.
\nYou are right on that the participation is the only way to learn. Let\u2019s refuse to be a silent observer and let our life passing through in front of our eyes.
\nYou can purchase Daymaker book only from Canmeng Aveda store and network. Please check http:\/\/www.canmeng.com\/?p=stores for location. Thanks for your support.
\nPlease keep Daymaker movement alive.
\nLove,
\nPing<\/p>\n","protected":false},"excerpt":{"rendered":"\u6642\u5e38\u9020\u8a2a\u6211\u90e8\u843d\u683c\u7684\u4eba\u90fd\u77e5\u9053\uff0c\u6211\u8a8d\u70ba\u4e00\u500b\u597d\u7684\u90e8\u843d\u683c\uff0c\u4e0d\u5728\u6587\u7ae0\u7684\u591a\u5c11\uff1f\u800c\u5728\u65bc\u56de\u61c9\u7684\u5167\u5bb9\u54c1\u8cea\u3002\u6211\u975e\u5e38\u9a55\u50b2\u6709\u8a31\u591a\u597d\u670b\u53cb\u53c3\u8207\uff0c\u8b93\u9019\u90e8\u843d\u683c\u6210\u70ba\u6211\u5011\u5171\u540c\u9ad4\u9a57\u751f\u547d\u7684\u805a\u6703\u6240\u3002\u7576\u60a8\u5011\u6709\u4efb\u4f55\u554f\u984c\uff0c\u6211\u90fd\u6b61\u8fce\u60a8\u5011\u5728\u6b64\u5206\u4eab\u3002\u8981\u518d\u4e00\u6b21\u7684\u62b1\u6b49\uff0c\u6211\u7528\u82f1\u6587\u56de\u7b54\u60a8\u5011\u7684\u554f\u984c\uff08\u5343\u842c\u4e0d\u8981\u6015\u82f1\u6587\u3002\u9019\u90e8\u843d\u683c\u7684\u6210\u7acb\u5c31\u662f\u8981\u5728\u53f0\u7063\u5efa\u7acb\u4e00\u500b\u82f1\u6587\u53cb\u5584\u7684\u7db2\u8def\u74b0\u5883\u3002\uff09\u82f1\u6587\u53ea\u662f\u4e00\u500b\u5de5\u5177\uff0c\u4e00\u500b\u8b93\u6211\u5011\u7368\u7acb\u5c0b\u6c42\u7b54\u6848\uff0c\u8ddf\u4e16\u754c\u6e9d\u901a\u7684\u5de5\u5177\u3002\u96d6\u7136\u6211\u4e26\u4e0d\u80fd\u7d66\u60a8\u5011\u4efb\u4f55\u7b54\u6848\uff0c\u4f46\u7d93\u904e\u4e0d\u65b7\u7684\u554f\u5c0d\u7684\u554f\u984c\uff0c\u60a8\u6162\u6162\u6703\u81ea\u5df1\u627e\u5230\u7b54\u6848\u3002 \u5728\u6700\u8fd1\u7684\u4e00\u6b21 Ppaper Business 06 \u4e2d\uff0c\u6211\u5beb\u4e86\u4e00\u7bc7\u6709\u95dcKiva.org\u7684\u6587\u7ae0\uff0c\u5f97\u5230\u8a31\u591a\u5e74\u8f15\u670b\u53cb\u56de\u97ff\uff0c\u7d93\u904e\u4ed6\u5011\u540c\u610f\u5f8c\uff0c\u6211\u5c07\u5176\u4e2d\u5169\u4eba\u8ddf\u6211\u7684\u4f86\u5f80e-mail\u5206\u4eab \u65bc\u5f8c\uff0c\u5e0c\u671b\u5927\u5bb6\u80fd\u958b\u59cb\u5c0d\u81ea\u5df1\u53ca\u5c0d\u793e\u6703\u66f4\u6709\u4fe1\u5fc3\uff0c\u4e0d\u65b7\u7684\u554f\u81ea\u5df1\u4e09\u500b\u554f\u984c\uff1a 1. What do you hope to achieve in life? 2. What is important to you now? 3. What topics are you most concerned about? \u7528\u5fc3\u7684\u627e\u51fa\u9019\u4e9b\u7b54\u6848\uff0c\u4e00\u76f4\u5728\u5fc3\u4e2d\u919e\u91c0\u6253\u91cf\uff0c\u6709\u4e00\u5929\u7576\u60a8\u6e96\u5099\u597d\u6642\uff0c\u5c31\u662f\u60a8\u958b\u59cb\u884c\u52d5\u6642\u3002 \u6c38\u9060\u4e0d\u8981\u653e\u68c4\u6210\u70ba\u4e00\u500bBetter Person\u7684\u6a5f\u6703\u3002 \u9019\u662f\u8207LL\u6709\u95dckiva\u7684\u4f86\u5f80\u4fe1\u4ef6\u3002 —————————————————————————————————- Dear Mr. Chu, First of all, I really like what you mentioned in your blog posts and articles: you’re … Continue reading “Kiva.org in Taiwan”<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86],"tags":[120],"class_list":["post-803","post","type-post","status-publish","format-standard","hentry","category-conscious-business","tag-kiva"],"_links":{"self":[{"href":"http:\/\/pingchu.com\/index.php?rest_route=\/wp\/v2\/posts\/803","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/pingchu.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/pingchu.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/pingchu.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/pingchu.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=803"}],"version-history":[{"count":0,"href":"http:\/\/pingchu.com\/index.php?rest_route=\/wp\/v2\/posts\/803\/revisions"}],"wp:attachment":[{"href":"http:\/\/pingchu.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=803"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/pingchu.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=803"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/pingchu.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=803"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}