Web Learning Tools Research - version J351
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The JHAI Foundation
The JHAI Foundation headquartered in San Francisco creates solar powered, very low cost, small community Internet servers. They are suitable for use in very remote regions of any country or state. They create a very low cost, low maintenance, long lived, means to connect a village to the world wide Internet.
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The Grameen Foundation
For several decades The Grameen Foundation has provided small loans to small groups of people typically in developing countries. Commercial banks making a business loan require the individual or group receiving the loan to provide proof of "collateral". Collateral is the ownership of sufficient property, savings, and investments with which to use as "collateral" to pay back a loan made to a group member if that loan goes into default. Default means that the person(s) receiving the loan cannot make all the payments to pay back the loan. In that case, the person turns over ownership to the loan-providing bank of their property, savings, and investments which the loan agreement defined as being the "collateral" for the loan. The Grameen Foundation, however, only requires "social collateral". One member of a small group of people receives a small loan to setup or to continue running a small business, usually out of their home in an impoverished village in an impoverished country. The small group of people have agreed to support each other and guarantee to the "local Grameen Bank" that the member of their group who receives the loan will pay it back in full. If not, neither the person who received the loan nor any of the other members of the support group can ever receive a loan from the Grameen Foundation in the future. Very few loans made in this way by "Grameen Banks" to very poor people have gone into "default".
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Solar Aid
Solar Aid is a "solar energy charity". It's goal is to help relieve poverty by providing solar energy to the poor.
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Concern Worldwide
Concern Worldwide, or "concern.net", performs charitable works for the poor in developing and undeveloped countries. It is as yet unclear to this PI whether or not such charity includes placement of communications and Internet technologies with which the recipients can access medical and educational information, advice, and instruction and also perform business transactions "online".
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Grameen America
Grameen America provides micro-lending or micro-financing to the poor in the USA following the successful model of the Grameen Foundation and it's Grameen Banks setup around the world since the 1980s.
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