Thursday, April 22, 2010
Flying
Tuesday, April 20, 2010
Bureaucracy Blues
Thursday, April 15, 2010
How NOT to Pitch an Idea
Friday, April 2, 2010
Ghana Plans: Pediatorkope
Tuesday, March 30, 2010
Packing List for Ghana










Friday, March 26, 2010
Ghana pt.1: Vaccinations
My Ghana experience has officially started. I'm still in the states, but I'm sick as a dog. I guess fate is giving me a booster shot of reality. I got vaccinated the other day. After a few weeks of phone calls, waiting lists, and a little panic I was finally able to squeeze in to the student health clinic. The nurse rattled off a list of recommended vaccines, had me read a sheaf of laminated information sheets about various diseases, and I made my selection from the menu. It felt like an exotic sadistic restaurant:
"I'll take Yellow Fever, Typhoid, and the new-and-improved tetanus booster."
"Are you sure you don't want Polio? You're at high risk of Polio in Sub-Saharan Africa."
"No, I'll take my chances. I don't have the money."
"Ok. Take the Typhoid pills home and keep them in the refrigerator. Slight pinch. Don't allow them to freeze or get too hot. Don't expose them to light. Don't eat or exercise an hour before or after taking the pill. Don't take antibiotics or steroids for the next week. And go immediately to the ER if you have any reactions. This vaccination contains live Typhoid. Slight pinch again…"
I could tell that the nurse had done this hundreds, if not thousands of times. I'm sure it takes a certain skill to repeat a memorized script while injecting a person with multiple live diseases. I was glad for her nonchalance; it kept my mind off the fact that my body was now full of African diseases, and there was nothing I could do to stop whatever they would do to me in the next week. I shut those thoughts out of my mind long enough to stop by the pharmacy, pick up my Typhoid and four weeks worth of antimalarials and Immodium. I am now ready to survive Africa…I think.
Later on that day I started to feel flu symptoms. I had read on the yellow laminated sheet that 25% of people receiving the Yellow Fever vaccine actually catch a minor form of the illness (and I stress minor--full-blown Yellow Fever kills you 50% of the time). I thought little of it and went to bed.
I woke up Thursday morning with hives on my arms and legs. My skin felt hot and itchy, like I had slept on an anthill. I panicked, downed a few Benadryl, and drove to the Health Center. $25 and ten minutes later I was told to be careful and keep taking Benadryl (thanks doc), and went back home. The hives cleared up and I thought nothing of it. By this time I was having a bad flu. All my muscles ached and I could barely move. No matter what I did my feet and legs were cold. I put on some sweats, crawled under three blankets, and went to sleep.
I woke up later that afternoon completely covered in angry, red hives. My skin was raised like a bad sunburn and looked like some kind of map. The itching was agony, and my skin had swollen so much it felt like it could rupture. I popped more Benadryl, made a few frantic calls to the Health Center, and was told to go into the ER. I'm not a fan of the ER. I usually feel like an idiot for going there, and it's so expensive. I decided to wait it out, and sure enough, after 45 minutes the Benadryl kicked in and the hives started to go away.
I woke up this morning with just a few hives and the flu has mostly gone away. I think I survived my first brush with Africa, but it was brutal.
Monday, December 7, 2009
Kiva.org and the Pre-disbursement Problem: Bait-and-Switch or Necessary Evil?
Matthew and Jessica Flannery founded Kiva.org with a groundbreaking idea: combining microfinance and social networking to open up a vast new capital market by allowing individuals to connect and make loans to one another. The human connection was the selling point of Kiva, and the idea was wildly successful. Problems arose recently when Kiva revealed that lenders are not necessarily making loans directly to the profiled individual on the site. Loans are actually pre-disbursed to the applicant long before information is uploaded to Kiva. The capital provided by lenders serves to back the loan, but most probably goes to a different applicant. This issue brings up a fundamental question that all public institutions must answer: is it ethical to mislead people if you are accomplishing a greater good?
Other nonprofits have experienced painful lessons after choosing to deceive the public for the greater good. In 1980, Save The Children, a 90-year-old international organization, was involved in a scandal[1] when funding designated for specific children was reallocated to other development projects. The Red Cross came under fire in 2001, when auditors discovered that a majority of the Liberty fund raised for 9/11 victims was reserved for other general Red Cross needs[2]. The public was not forgiving: after an investigation by then NY Attorney General Elliott Spitzer, Red Cross President Bernadine Healy was forced to resign.
On 2 October 2009, David Roodman posted an article[3] on his microfinance blog about Kiva’s pre-disbursement policy, accusing the organization of misleading lenders by overstating the potential for personal connections on the site. “In short, the person-to-person donor-to-borrower connections created by Kiva are partly fictional. I suspect that most Kiva users do not realize this. Yet Kiva prides itself on transparency.” He follows by explaining that pre-disbursement is a necessary and beneficial policy, allowing Kiva to serve a large volume of customers while bypassing the lengthy waiting period normally required for peer lending.
Despite the logical rationale for pre-disbursement, Roodman’s article caused a large backlash in the internet community against Kiva: many people felt that they had been misled when they visited the site, connected emotionally to a specific applicant, and then made a loan that they believed would benefit that individual. While Kiva claims that they value transparency, site visitors will not discover the pre-disbursement policy unless they do some significant investigation. Visitors who briefly skim the text on the site before proceeding directly to the profiles will view statements like this:
“we are using the power of the internet to facilitate one-to-one connections that were previously prohibitively expensive.”[4]
“Kiva is the world's first person-to-person micro-lending website, empowering individuals to lend to unique entrepreneurs around the globe.”
These claims give the impression that Kiva is attempting to minimize the likelihood of site visitors discovering the pre-disbursement policy. Many argue that Kiva should continue to maintain what they term a minor deception in order to function smoothly and deliver as much social value as it can. These comments overlook a glaring problem: Kiva has eliminated a significant portion of its core selling point, and widespread awareness of this issue may have significant negative ramifications. A New York Times article[5] stated it bluntly: “the direct person-to-person connection Kiva offered was in fact an illusion.”
Many now fear that this problem will eventually spell the end of Kiva, despite the near-universal support that Kiva has experienced. Without the personal connection, donors are better off using services like Microplace, where they can at least make a return on their investments. Many hope that Kiva will find a way to be both transparent and successful, but this may require drastic changes. While Kiva may experience a short-term decrease in capital volume by being completely upfront about the practice, they could avert a systemic failure by reinventing themselves.
A worst-case scenario is most likely if Kiva continues to promote the illusion of peer-to-peer lending. Innovations in the last four years have created a clear public demand for a social-media solution to humanitarian aid, and if Kiva is not able to revive itself with a new model, other organizations most likely will. We can only hope that Kiva will continue to utilize its market position in new ways[6].
[6] Some sites like Babyloan.org have even stuck to the direct peer-lending model, despite the delay between application posting and loan disbursement.