Pictures of Barry's(1st) trip to Ghana 2009

Click HERE to see photos.

Water in the Orphanage.

Barry arrived back from Ghana last week after a very successful mission. Amongst the many things he did was to put running water in to the orphanage in Ho. Before this the children had to go and get water from far away and carry it back in large plastic containers on their heads.

Young Fundraisers: One child’s gift

A few days ago I was telephoned by a mother whose child is a patient at our surgery. She said that her son wanted to come to see me, but not for health reasons. I told them to come at six, which they did. The child, called Anton, presented me with a letter. It read: "Hello Dr.Stoma. This money is for boys and girls you help. I hope they can go to school one day and are able to eat. Instead of giving me gifts for my birthday, I told my friends to give me money so you can build schools for them," signed Antón.


Antón celebrated his seventh birthday a few days ago and asked his friends for money instead of presents, so he could help children less fortunate than himself. Anton was very confident in what he had done, and as he walked out of the room he it left me with a lump in my throat.

Closer to Creative Capitalism

The World Economic Forum held recently in Davos has shown how the model of capitalism without reins has failed by allowing frivolous neo liberalism. We have also seen that under no circumstances market forces should be allowed to govern the fate of mankind.

Up until now, we’ve witnessed the way that these global decisions have been made, and it’s tempting to ask the great meeting of minds (ie. the world leaders) that while looking for solutions to global economic crisis, they take basic humanity into consideration. Or will we see them putting the interests of the great companies and corporations to the forefront, and focussing on rebuilding their fortunes?

Humanity is one thing but its future is another. We have been presented with a wonderful opportunity to undo the mistakes of how the world has functioned economically and to develop ways of working which encourages not just having "money today" but "markets for the future."

It’s time that governments are involved in the redistribution of wealth and opportunity in this world. They should encourage the collaboration between non-profit organisations and businesses, with investment in the Third World and Free Trade, otherwise, as has been the case, profits fail to reach all the links in the chain and have no benefit to the local growers or manufacturers.

We must reach a point that the First World realises it’s in everyone's interest to create viable and fair trade markets in the Third World. The air we breathe does not respect borders, therefore corporate responsibility must look far beyond the notion of pure profit and national fronteers.


Recently, economic growth has appeared to have no end and where the "American Way" rules and focuses on the great God Money , the notion of Creative Capitalism would’ve seemed almost a dream, if not blatantly naïve.
However Creative Capitalism has its own champion in the form of Bill Gates, an icon for the business world who takes this subject seriously. In short, capitalism has been good for the rich, has made great advances for humanity but has left out billions of people who have not been able to enjoy the wealth and progress of the world. We are living in a world where 28,000 children die daily needlessly from hunger.
Gates argues that companies must develop a strategy to redistribute wealth and create viable markets. It is a concept that can develop in the future for the good of humanity.
Governments and supernational organisations have failed to correct inequality and shortcomings of this planet even with advancements in technology, knowledge and vast amounts of money. The ways they operate in are often overburdened with bureaucracy, and biased by political interests when it comes to deciding how to function fairly and effectively.

Awareness by companies of the responsibility they have with the world, their ability to make decisions quickly, coupled with their light weight beureaucracy, and the knowledge and infrastructure of non-profit organisations creates a union that could work, be cost effective and perform better than all the know sytems up to date.


It is logical that the companies have to make something out of this. What they achieve depends on their imagination and inventiveness. At the very least, they can improve their image and increased customer loyalty. Ethical, ecological and socially active and aware companies are seen as "for the people/public/population" i.e. friendly and not as as simply a ruthles establishment willing to use any instument to take money out of clients pockets.


Creative Capitalism is just one link in the chain to build a better future and most importantly, it is an opportunity for a new global economy that is more equitable and sustainable.

Barry's school

No too long ago, Barry "The Builder" as a lot of his friends call him, came in to the office and stated that he had some free time on his hands and did we have anything we wanted helping with. My answer was "How about going to Ghana to build a school?". And that was that. Barry got in to over drive and he is right now in Ghana building a school in Drifting Angels, Ho(where we delivered a tractor, bought a plough, and have delivered lots of supplies over the last two years).
He should be back this week end so after the debriefing I will do another posting to keep you informed of how it all went. From an organization point of view it is wonderful to find people like this, we hope he will be an example for others showing them that nothing is impossible and that it can be done. What is certain is that neither Barry nor the children he is helping will ever forget this trip in all their lives.

In the presence of greatness by Andrew Spence.

In the presence of greatness. Nobel Peace Prize winner Muhammad Yunus, The Banker of the Poor, visited Palma and brought an important message of hope to the world at these troubled times.

“You are poor. You have no collateral. You are a woman. You live in Bangladesh. Of course you can have a loan!”

Today 7.5 million people, 98% of them women, have loans in Bangladesh. 99% of them repay what they owe. They have no collateral. Every three years there are terrible floods in Bangladesh, hundreds of thousands of people die. The survivors lose their homes. But they still pay back their loans. They don´t use excuses, even the most plausible, to default. The average size of such loans is less than 200 dollars.

It seems an impossible set of circumstances. In 1971 Mohammed Yunus returned to his native Chittagong in Bangladesh after studying economics in the US to teach at the University there. After giving lessons in economic theory he would walk down the street and see people dying there, from nothing more than hunger. The very fact of having not enough to eat to survive was to him a mystery and it got to him. How could he do something? He was not a politician or food manufacturer, just an economist.

So he went to work and studied, with an assistant, the villages and life there which he believed was the key to the problem. After a few days he realised that many of the villagers were in the hands of loan sharks asking 5% a week or up to 30% a month. In one village he found 40 villagers who owed money to these people. The whole village was in the hands of these people, caught in their trap. The total debt for the whole village? 27 dollars.

He went home and thought. And then went back to the village with 27 dollars and paid off the debt. It was no big deal, a natural sympathetic act, well within his economic power. He went back a few days later and was greeted like a hero, which he did not expect, but confesses was not a bad feeling at all. It inspired him to do more.

He went to the local bank and asked if they could help. The bank said no. These people were poor with no assets so how could the bank help? He kept going to bank after bank until one day he suggested that he be the garantor of loans to the poor. At last it seems he was talking the language of the bank! They agreed and he went to another village. It proved a success, many micro-credits of 1% were given and all were found to be good repayers. He asked the bank if he could repeat the exercise in another bank. The bank finally agreed after much persuasion, but were sceptical saying it would never work again, he would not have time to manage all the collections.

It was a success. He asked to do it in 3 more villages, same scepticism, but same success. When he walked into the bank to ask if he could exctend to 10 villages he stopped and asked himself, why should I bother with a bank? “WHO ARE THEY to tell ME what will work or will not work?”

So he opened his own bank. The Gameen Bank was founded and microcredits took off. Dr Yunis found that the poor were very good payers of their loans. He also aimed to attract women and set an initial target of 50%. Why? Because women were at the heart of the family and their priorities would be homebuilding and the children´s education. This group were marginalised, and had a traditional fear of money due to upbringing and convention. How can half the society be rendered useless in this way? It seemed to Yunus completely illogical.

Once the 50% target had been reached, he pushed it to 70 and now 98% of microcredits in Bangladesh are given to women.

Today he likes to put the two banking systems side by side and compare. When a loan is taken out with a bank in the mainstream capitalist system, there are lawyers, papers and all sorts of preocedures. The Grameen bank (or Village Bank) require none. In our system we have to go to the towns and cities to deal with our banks – the Grameen bank goes out to the villages and visits THEM.

“Capitalism has degenerated into a Casino”.

Their clients may be poor, but they are good payers. Over 97% of debts have been repaid. It is the western banks who have the defaulters, clients with credentials and collateral who seem to default on a grand scale. Yunus looks at our system and it is humbling to hear him talk about it as becoming a giant casino where selfish people have gambled with our money and ruined the world, causing millions to suffer. If billionaires lose half their money – they still have the other half. The bottom 50% of the world´s population will lose their livelihoods and are the real victims of this crisis. People are losing their jobs, their homes and access to food and health.

Yunus´s model is to be admired at these times. In fact on a recent trip to New York he was asked if he wished, perhaps joking or perhaps not, before leaving the Big Apple to buy one of their banks! Something is surely wrong at the heart of our system. He states categorically that microfinance has been unscathed by the current meltdown.

What other differences are there between our banking systems?

At the heart of Grameen is a social philosophy, and a determination to help. A recent programme jointly with Danone was devised to distribute a specially formulated yoghurt packed with extra vitamins and supplements for the undernourished children in Bangladesh. The aim was to build back their strength and they found that after 8 months, the children were properly nourished and had been saved. The review of the programme at the end of the year was not how much profit had been made, but how many lives had been saved. The funding came from the money he won for the Nobel peace prize. The remainder was spent on an eye hospital.

Currently thanks to scholarships provided by the bank, some 32,000 students are studying all over the world. Most come back to their countries of origin, qualified and in a position unthinkable to previous generations, trapped in poverty, a trap that Professor Yunus has managed to spring open for millions.

Traditional capitalism, he argues, wears a permanent pair of “money glasses” where the only focus is growth in money terms. Our main focus is always the bottom line, money for its own sake. This has to change.

The irony of all this is that the Grameen system may be required in Europe where already poverty is a real threat for many. In New York a Grameen bank was opened in Queens and now provides loans to 500 women. When asked why he set when up here his reply was simple. Under the shadows of the skyscrapers of the banking capital of the world, he wanted to provide a service where these major banking instituions were unable to do so – in their own back yard.

Looking to the new millennium.

“Lasting peace can not be achieved unless large population groups find ways in which to break out of poverty. Micro-credit is one such means”. Another powerful force for peace he believes is the change of US administration. The UN conference in 2000 and its important aims for poverty and the world were knocked off track by an administration in the US more interested in war than progress. In Obama he believes there is a president who will get things back on track and make up for lost time. He believes he can change the world in a fundamental way.

Meeting Gandhi

I do not know what it must have been like to have met Gandhi, but when I had the privilege to meet Professor Yunus, it felt to me that I was meeting someone as great. Not in political terms or in terms of fame, perhaps. But in the far-reaching consequences of what he has and is doing, and the enormity of this revolution. He was charming and had no airs, ready to talk to you whether president, pauper, king or commoner.

I was in the presence of greatness.