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The UN Plan For Human Settlements (Obama Plan)
Berit Kjos ^ | ,June 1996 | Berit Kjos

Posted on 05/15/2010 7:56:54 PM PDT by bronxville

Bicycles instead of cars? Dense apartment clusters instead of single homes? Community rituals instead of churches? "Human rights" instead of religious freedom?

The UN Conference on Human Settlements (Habitat II) which met June 3-14 [1996]in Istanbul, painted an alarming picture of the 21st century community. The American ways-free speech, individualism, travel, and Christianity-are out. A new set of economic, environmental, and social guidelines are in. Citizenship, democracy, and education have been redefined. Handpicked civil leaders will implement UN "laws", bypassing state and national representatives to work directly with the UN. And politically correct "tolerance"-meaning "the rejection of dogmatism and absolutism" as well as "appreciation" for the world's religions and lifestyles-is "not only a moral duty, it is also a political and legal requirement."1

Hard to believe? Not for veteran UN observers who faced boos and hisses for expressing concern in open UN assemblies. Nor for pro-family members of NGOs (Non-Governmental Organizations) who faced exclusion from public dialogues for opposing feminist commander Bella Abzug and her radical agenda. And not for those who watched the ecstatic welcome given Fidel Castro and his anti-American diatribe.

Yet, our president and our non-elected American delegates, headed by U.S. Secretary Henry Cisneros, endorse this revolutionary plan, and our U.S. Department of Education is already establishing the framework for its local implementation. Why? What is happening?


TOPICS: Government; Politics
KEYWORDS: 1996; 199606; 19960603; 19960614; 1stamendment; 2008; 2008mortgagecrisis; 201205; abzug; acacia; acacialife; acacialifeinsurance; agenda21; bailouts; bangladesh; banks; barbarajkrumsiek; barbarakrumsiek; bellaabzug; billclinton; bishoptutu; brazil; burrett; calvertfoundation; calvertgroup; carolbrowner; cawf; chicago; christianity; chs; cisneros; citi; clinton; clubofrome; communitiesatwork; cwf; deptoftreasury; dodderingoldfools; doe; dogmatism; earthsummit; economy; econuts; ecotrust; elders; envirowhackoes; epa; eugeneludwig; feminism; fordfoundation; foresttrends; freedomofspeech; georgeschultz; glasssteagal; glasssteagalact; globalcompact; goldmansachs; grameen; grameenbanking; greens; habitat2; habitati; habitatii; henrycisneros; herding; hillaryclinton; humanhabitat; humansettlements; humanstockyards; internationalism; internationalists; istanbul; istanbulprocess; jimmycarter; kenya; leftwingnuts; liquiditycrisis; marx; marxist; marxists; maryhoughton; maryrobinson; medaloffreedom; microcapital; microfinance; mohammedyunan; mohammedyunus; ngos; obama; obamaplan; ofn; opportunityfinance; radicalagenda; richardburrett; rio; riodejaneiro; riosummit; robertrubin; rongrzywinski; rubin; shorebank; shorecap; soros; swissbank; switzerland; tarp; theelders; turkey; tutu; ubs; un; unep; unepfi; unglobalcompact; unifi; unitednations; unplan; upb; urbanpartnershipbank; usdod; usdoe; wachovia; wellsfargo; wildlandsproject; yanus; yunan; yunus
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1 posted on 05/15/2010 7:56:54 PM PDT by bronxville
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To: bronxville

What Good Can a Handgun Do Against an Army.....?

2 posted on 05/15/2010 7:59:38 PM PDT by 2ndDivisionVet (Don't care if he was born in a manger on July 4th! A "Natural Born" citizen requires two US parents!)
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To: bronxville

I believe ShoreBank is a template of Grameen Banking -

ShoreBank Slogan - “Lets Change The World” means exactly that - it means lets all become like the Grameen Bank (Grameen means “villages” in Bangladesh). Yunan is hailed by the left. He’s gotten the Nobel, need I say more...

ShoreBack gets FDIC coverage for deposit accounts of $250,000 per depositor and want it doubled. This money doesn’t include the millions for the other agencies - housing, real estate, job agency, etc.

These marxist institutes always have a foundation attached which are coordinated toward others with a specific project – see board members -
This or the shorebank wiki link will lead you to all the other “freebie” agencies -

What is Grameen Bank -
Mohammed Yunans’ inspiration couldn’t have worked without the Clintons especially Hillary as it was her baby which I think she probably got from the ACORN guy. She introduced Bill to the concept when he was governor of Arkansas and considering they were both socialists they hijacked the idea. They even started a summer school. The first ShoreBank was started in Arkansas. ShoreBankers Ron Grzywinski and Mary Houghton helped Yunus with the official incorporation of the bank under a grant from the Ford Foundation. ...

Oprah Winfrey - “I loved the concept and bought into it immediately” -

Jimmy Carter, Bishop Tu Tu, et al – are members of the Club of Rome (sorry if that means I’m a conspiracy kook but it’s a fact) - - They also have micro education, health summits etc.

The Green Children -

Human Settlement -

The UN Plan for Human Habitat -

We have not being asked about any of these changes. I have a concern that they’re gradually changing our economy system to that of microfinance.

3 posted on 05/15/2010 8:04:33 PM PDT by bronxville
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To: bronxville
Another Saturday Night Live Skit or the shocking psychotic planning of the UN? We must not let this happen. Revolution II on deck November 2, if not before. .
4 posted on 05/15/2010 8:05:47 PM PDT by Art in Idaho (Conservativsm is the only hope for Western Civilization.)
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To: bronxville
Mohammed Yunus getting the Presidential Freedom Medal
5 posted on 05/15/2010 8:07:20 PM PDT by bronxville
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To: bronxville

Destroy it.

6 posted on 05/15/2010 8:08:07 PM PDT by unspun (It's individual, state & national sovereignties, 'stupid' -
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To: bronxville

Over my dead body.

7 posted on 05/15/2010 8:09:16 PM PDT by ElenaM
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To: bronxville
We have not being asked about any of these changes. I have a concern that they’re gradually changing our economy system to that of microfinance.

How does all this happen without the average American knowing about it? Yes, I know, but. . is Beck on this? Rush? Those urls are scary. . .

8 posted on 05/15/2010 8:10:25 PM PDT by Art in Idaho (Conservativsm is the only hope for Western Civilization.)
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To: 2ndDivisionVet

Thank Vet...will check it o;ut.

In the picture above are the “elders” in the background. Mary Robinson, Bishop Tu Tu, et al are members of the Club of Rome -

9 posted on 05/15/2010 8:11:04 PM PDT by bronxville
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To: bronxville
"The UN Plan for Human Settlements." What would Ayn Rand say? Galt?
10 posted on 05/15/2010 8:12:06 PM PDT by Art in Idaho (Conservativsm is the only hope for Western Civilization.)
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To: Art in Idaho

I’m sure some people know. I read about this bank off and on for a while. Then I read a thread here yesterday on their begging for more money to Goldman Sachs..., knowing we’d also have to bail them out, I decided to spend a few hours searching. Van Jones was a part of this bank as well.

11 posted on 05/15/2010 8:14:41 PM PDT by bronxville
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To: hoosiermama


Note Post #3.

12 posted on 05/15/2010 8:15:40 PM PDT by Army Air Corps (Four fried chickens and a coke)
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To: bronxville
Am sending to Drudge.
13 posted on 05/15/2010 8:18:21 PM PDT by Art in Idaho (Conservatism is the only hope for Western Civilization.)
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To: Art in Idaho; All

The Clintons changed much when they got into the WH. Many of the agencies were revamped. The EPA exploded with money when they got in power - Carol Browner socialist was administrator. I wonder when the imminent domain was changed and who was behind it - didn’t check. Eugene Ludwig restructured the whole economy system to include the CRA regs, and remove the Glass Steagal Act. The bankers were happy especially international microfinance. They also poured money into the EPA etc. Carter did the housing and education earlier. Obama was left with free healthcare, cap and trade, and the final touches to banking regulations. It appears they had a total change plan.

I fear some of our representatives are signing stuff they haven’t read - what’s new - and others know exactly what’s going on and relish signing on...

Lots of information here - scroll to the bottom and see who signed on to give him the Congressional Medal -

14 posted on 05/15/2010 8:21:07 PM PDT by bronxville
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To: bronxville

With The Usurper’s permission, the UN is going to send troops (Chinese) into our land.

15 posted on 05/15/2010 8:22:27 PM PDT by J Edgar
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To: J Edgar

Yes, I can believe it as I’m pretty sure they’re maoists - could you post some links to all you know? I read a post here last night about Interpol, Iran, and an emmigrant from Iran. Interpol is still in this country!

I’ll post some info on the maoist line of thought (not including Anita Dunne in the thought process)...

16 posted on 05/15/2010 8:29:27 PM PDT by bronxville
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To: bronxville

This human settlement plan was conceived in the 1990’s and was kick started by Bush Sr when he signed the Rio Accord.

Obama is the child of the last 20 years of Bush Clinton Bush. He is just bringing all their careful undermining of property rights and the balance of power and the resulting loss of freedom to fruition.

17 posted on 05/15/2010 8:44:38 PM PDT by hedgetrimmer
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To: J Edgar
Wahid Hamid – Is this Obama's old room-mate? And if so what is he doing in our Defense and Space Business Board? He was on the board at PepsiAmerica for a short while and also a VP at Pepsico - He worked at this consulting company for years - interesting names - Hamid spent a few years in China. His CV said he set-up a new company called - “HANDS Enterprise Solutions”. A take on "China Hands" one might wonder. Chinese Tao Zhang has the project on his CV - Sept. 2001 ~ Nov. 2003, ERP [project '211'] consultant, HAND Enterprise Solutions Co., Ltd. P. R. China” Frontiers of a Great Transition - Tellus Institute I wonder if BCG and Tellus are connected - And I wonder if Hamid met with Maurice Strong when he was in China. Why does Pepsi boycott Israel? Why did Obama visit Wahid Hamid in Pakistan in 1981? Hamid was on the board at PepsiAmericas during Obama's election - a perfect place to laundry money from Asia or China. The Chandoo brothers also raised money for him - one of them live in Westchester. Hamid is on the board of defense - could he have taken the Times Square bomber off the terrorist wonders. A briefer on the - "China Hands" - Sorry if a mess.... going to bed. Nite. :) Bottomline - This new plan they may be contemplating has no room for Judeo/Christianity. Not a good thought...
18 posted on 05/15/2010 9:07:53 PM PDT by bronxville
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To: hedgetrimmer

Yes, George Schultz another...unfortunately a Reagan guy. I don’t believe he was involved but Schultz gave away our children’s education.

That last post is a total mess - will fix tomorrow.

19 posted on 05/15/2010 9:11:49 PM PDT by bronxville
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To: bronxville

Agenda 21 read it !!!!!!!! wikipedia

20 posted on 05/15/2010 9:14:30 PM PDT by Mtn Pass
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To: ElenaM

About 25,000,000 of them in the US, mine included.

They’re OK with that.

21 posted on 05/15/2010 9:33:40 PM PDT by piytar (Ammo is hard to find! Bought some lately? Please share where at
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To: Mtn Pass

I read it a long time ago.

22 posted on 05/15/2010 9:36:26 PM PDT by bronxville
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To: bronxville

Gore had pretty much the same vision of a sustainable future.

23 posted on 05/15/2010 9:38:50 PM PDT by DBrow
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To: piytar; ElenaM

Yes, it wouldn’t bother them one bit. It would solve their population control worries and kill off those hateful Christians at the same time.

Now to bed. Nite all.

24 posted on 05/15/2010 9:39:06 PM PDT by bronxville
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To: DBrow

Most of his administration had a part to play - I always suspected but now believe it was pre-planned -

25 posted on 05/15/2010 9:40:54 PM PDT by bronxville
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To: DBrow

I’ve seen cities like this...

behind the Iron Curtain.

26 posted on 05/15/2010 9:53:23 PM PDT by GunsAndBibles (God save Calif. - 'cause it's gonna take a miracle.)
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To: bronxville
Amazing stuff. Thanks for the information.
27 posted on 05/15/2010 10:03:32 PM PDT by Art in Idaho (Conservatism is the only hope for Western Civilization.)
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To: bronxville
Let us not forget about the Wildlands Project (now the Wildlands Network). They want us all crammed together so that Grizzly bears can stroll from Canada to Mexico unmolested, or so they say. Check out this map of the US that shows what they have in mind. The red areas are off-limits to humans.

28 posted on 05/15/2010 10:18:22 PM PDT by Disambiguator (Progressivism, Socialism, Marxism, Communism - it's all shades of black.)
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To: bronxville

The Arcology of Todos Santos. Drones to the Obama king.

29 posted on 05/15/2010 10:42:09 PM PDT by Mike Darancette (Flip Both Houses)
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To: J Edgar

You have experienced a psychotic break if you believe that which you have propounded.

30 posted on 05/16/2010 5:06:10 AM PDT by verity
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To: verity
“You have experienced a psychotic break if you believe that which you have propounded.”

I haven't “propounded” anything. However, I am stating as a matter of opinion, that I believe that the UN will most likely invade our nation with the permission of The Usurper.
He is set to sign UN treaties that will diminish our national sovereignty. He is in full agreement with Communist at UN, and sympathizes with Muslim interests at the UN. China will gladly provide the manpower, since they have economic interest (our debt), and plenty of troops. The Usurper has already stated he will not use nuclear weapons, so he is essentially saying to the Chinese, "Come on over, we won't resist".

31 posted on 05/16/2010 6:25:40 AM PDT by J Edgar
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To: Mike Darancette

The Arcology of Todos Santos

“Think of it as evolution in action”.

32 posted on 05/16/2010 8:43:15 AM PDT by DBrow
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To: bronxville
WOW - I think you hit a gold mine! As detailed in the book “The Franklin Cover-up”, many people who sit on Corporate Boards, City Councils, University Trustees, Police Commissioner Boards, etc are just place holders for organized evil forces that manipulate them and many, many levers of power. I'm talking about appointed power positions that have cultural and political impact! IMHO
33 posted on 05/17/2010 3:56:36 PM PDT by J Edgar
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To: J Edgar; Art in Idaho

George Soros: “I joined forces with Professor Jeffrey Sachs of Harvard University, who was advocating a similar program, and sponsored his work in Poland through the Stefan Batory Foundation . . . The IMF approved and the program went into effect on Jan. 1, 1990. It was very tough on the population, but people were willing to take a lot of pain in order to see real change.”

Gov’t grants ShoreBank $35M in stimulus funds
By: Steve Daniels May 29, 2009
(Crain’s) — ShoreBank[...]Aries Capital LLC, which got $65 million[...]
[...]”Citi is partnering with the nonprofits Calvert Foundation and Opportunity Finance Network, a network of CDFIs, to run the $200 million Communities at

[...]”Citi is partnering with the nonprofits Calvert Foundation and Opportunity Finance Network, a network of CDFIs, to run the $200 million Communities at Work Fund. Those groups will run the fund and determine which CDFIs to invest in, while Citi will handle underwriting and risk management. Community development lenders can apply online starting May 5.[...]Despite new infusions of cash under the Obama Administration, including making up to $1 billion in money from the Troubled Asset Relief Program available to CDFIs, Pinsky says many lenders still can’t meet demand.

Banking Services for Religious Organizations -

Following The Bailout Money To Wells Fargo
CBS Evening News: How A Big Bank Took American Tax Dollars And Went On A Spending Spree
By Sharyl Attkisson

Wells Fargo hit the jackpot. It was one of the first banks to get bailout funds - the biggest amount awarded in a single shot: $25 billion tax dollars......

In other words, they didn’t give specifics. And the fact is, neither Congress nor the treasury department required them to.

Troubled Wachovia has been bought out by Wells Fargo for $12.7 billion, creating the nation’s second-largest bank in terms of deposits. But it might not have happened without the generous support of the federal government and your tax dollars. ….

First, Treasury Secretary Henry Paulson quietly issued a document revising the tax code, giving enormous benefits to some banks that buy other banks. For Wells Fargo, it could be worth up to $25 billion.

Then, Congress passed the giant bailout that would provide $25 billion in direct funds to Wells Fargo.

The very same day the bailout passed, Wells Fargo announced the surprise turnaround to investors: It would buy Wachovia after all.

And Wells Fargo may not be done. It’s also said to be looking into possibly buying a piece of Swiss banking giant UBS, which got its own bailout - $60 billion - from the Swiss government.

Microfinance USA 2010
Microfinance USA is the place where microfinance practitioners, investors, and enthusiasts meet. Drawing upon the overwhelming success and momentum generated by the 2009 Microfinance, CA conference, Microfinance USA will bring together investors, policymakers, social entrepreneurs, practitioners, small business owners, and curious individuals to explore how microfinance produces jobs, increases incomes, and creates opportunities to build stable and sustainable communities.
Join the leading practitioners and thought leaders of microfinance in the U.S. in enriching discussions
Draw upon the experiences from international microfinance and how it relates to your community
Engage with leading innovators of technology and practice in the field of microfinance
Find your place in the field of international or domestic microfinance and connect with like-minded individuals across the country.
Video: Why Should I Attend This Conference?
Video: Highlights From Last Year’s Event
Reviews from Microfinance, CA in 2009
Microfinance CA was a tour de force.
Bob Friedman, Founder, CFED
I found it an excellent event and I was amazed that it was the first of its kind.
Bob Annibale, Global Director, Citi Microfinance
Engaging, delightful, informative, and very impressively managed on every level.
Hilary Abell, Executive Director, WAGES
VIDEO at site -

UN - Asia-Pacific Business Forum (Tessa Tennant - from Calvert -

Tessa Tennant,Executive Chair, the ICE Organization, UK; former Chair and Founder, ASrIA, Ltd.
Tessa Tennant UK Social Investment Forum (UKSIF)
Barbara Krumsiek’s Biography
Barbara J. Krumsiek (Chair),President, Chief Executive Officer, and Chair, Calvert Group, Ltd. and subsidiaries

Global Giving -
Trickle-up -

See also: Microfinance#Other criticisms

UN Capital Development Fund -

Barbara J. Krumsiek and Richard Burrett
named Co-Chairs of UNEP Finance Initiative
Finance and investment to play a lead role in the
May 2012 “Rio+20” United Nations Earth Summit
Geneva, 28 April 2010 – The largest partnership between the United Nations and the financial
services sector has elected two new Co-Chairs to steer the initiative in the run up to the landmark UN
“Rio+20” Summit in May 2012.
Barbara J. Krumsiek, President & CEO of the Bethesda, Maryland headquarter d Calvert Group Ltd, and Richard Burrett, a partner in the London-based Earth Capital Partners, will steer the United Nations Environment programme Finance Initiative (UNEP FI) for the next two years (see Editor’s notes for more on the Co-Chairs).

UNEP FI, an 18-year-old partnership between UNEP and the
financial services sector, includes 190 banks, insurers and investment
organizations in its worldwide membership.
The United Nation’s “Rio+20” summit will convene in Rio de Janeiro, Brazil, twenty years after the
original 1992 Rio Earth Summit when world leaders gathered for the first time to discuss
environmental and development issues. UNEP FI was formed to provide input to the 1992 summit.
The role of finance and capital markets will be central to the Green Economy theme of Rio+20.
“As the economy and the financial sector begin to recover, we have both an opportunity and obligation
to build sustainability into the way global financial companies do business,” explained Krumsiek.
“The challenges finance and investment face on the road to the Rio+20 Summit are considerable. It is a
critical time to work for progress and develop the means to deal with the next crisis – which may very
well be a natural resources crisis” she added.
Richard Burrett added: “UNEP FI has for many years worked on developing the understanding of
environmental, social and governance issues by financial institutions and the risks and opportunities
emerging from them. The challenge remains acute. I am excited at the chance to play a greater role in
pushing this critical work forward and, importantly, to work with Barbara to steer UNEP FI on the
road to the Rio+20 Summit.”

‘Barbara and Richard have long been at the forefront of promoting sustainability at their own firms
and, through their firms’ sustainable investment criteria and advocacy – among the world’s leading
companies,’ said Paul Clements Hunt, UNEP FI’s Head of Unit. ‘We look forward to drawing on their
deep knowledge, strong commitment and extensive network of contacts, as we take this initiative

Editor’s Notes:
About Barbara J. Krumsiek:
Barbara J. Krumsiek has been Chair, CEO and President of Calvert Group, Ltd. since 1997. Under her
leadership, the firm has grown to become a leading investment management firm with over $14 billion in assets
in over 50 portfolios, including award-winning fixed income portfolios and a full family of sustainable and
responsible equity mutual funds. Ms. Krumsiek is Director and Chair of Acacia Life Insurance Company.
Calvert and Acacia Life are affiliates of UNIFI, a mutual holding company based in Lincoln, Nebraska. Calvert
has been involved with UNEP FI since 2003. Paul Hilton, Calvert’s Director of Sustainable Investment Business
Strategy, has served on UNEP FI’s Steering Committee between 2008-2009 as Treasurer. Calvert was a
founding participant of the UN Global Compact and is fully committed to its 10 universally accepted principles
in the areas of human rights, labour, the environment, and anti-corruption. In April 2006, Calvert helped create
the Principles for Responsible Investment, a joint initiative between UNEP FI and the Global Compact, which
encourages institutional investors to integrate environmental, social and governance factors into their investment process.

About Richard Burrett:
Richard Burrett is a Partner at Earth Capital Partners – a company specialising in providing advice on
investments that address the challenges of sustainable development. Richard had previously spent over 25 years
in international banking. In his 20 years with ABN AMRO he developed extensive experience of project and
structured finance, particularly in the energy and infrastructure sectors, working internationally with a wide
range of international project developers, energy companies and utilities. As Global Head of Project Finance he
was responsible for ABN AMRO’s award winning business franchises in Europe, Asia, Australia, North
America and Brazil. In this role he was also instrumental in the creation of the Equator Principles, a market
recognised standard for managing environmental and social risk issues in project financing. Latterly, as Global
Head of Sustainability, he chaired the group’s Sustainability Council and developed the bank’s strategy on
climate change and the carbon markets. Previously Burret served as the Chair of UNEP FI’s Work Stream on
Biodiversity and Ecosystems. He is also a Senior Associate at the University of Cambridge Programme for
Sustainability Leadership; a Board Member of Forest Renewables – looking to develop the renewable energy
potential of the national forest estate of Scotland; and a Board Member of Forest Trends – a Washington based
not for profit organisation focused on market-based approached to conservation.

The United Nations Environment Programme Finance Initiative (UNEP FI) is a global partnership between the
United Nations Environment Programme (UNEP) and the financial sector. Over 180 institutions, including
banks, insurers, fund managers and investors, work with UNEP to understand the impacts of environmental and
social considerations on financial performance. The Initiative is governed by a Steering Committee, which sets
its strategic direction.

Created in 1972, UNEP represents the United Nations’ environmental conscience. Based in Nairobi, Kenya, its
mission is to provide leadership and encourage partnership in caring for the environment by inspiring, informing,
and enabling nations and peoples to improve their quality of life without compromising that of future
generations. UNEP’s Division of Technology, Industry and Economics - based in Paris - helps governments,
local authorities and decision-makers in business and industry to develop and implement policies and practices
focusing on sustainable development. The Division leads UNEP’s work in the areas of climate change, resource
efficiency, harmful substances and hazardous waste.

The United Nations Capital Development Fund (UNCDF) came into existence in 1966 “as a special purpose fund primarily for small-scale investment in the poorest countries.” With the goal of helping to reduce poverty, it engages in development programs and microfinance.

UNCDF is affiliated with the United Nations Development Programme.[1] United Nations Development Programme The United Nations Capital Development Fund was established by the UN General Assembly in 1966 as a special purpose fund primarily for small-scale investments in Least Developed Countries. Headquartered in New York with offices around the world, it contributes to the achievement of the Millennium Development Goals in the world’s poorest countries through a variety of innovative approaches in local development, including providing support to local governance and the development of inclusive financial services and microfinance.

UNCDF is a member of the United Nations Development Programme (UNDP) group, and reports to UNDP’s Executive Board. As such, UNCDF works in close partnership with UNDP in areas ranging from joint programming to administrative and logistical support. The UNDP Resident Representative represents UNCDF at the country level.

The Fund derives its resources from voluntary contributions made by member states, and from co-financing by governments, international organizations and the private sector. UNCDF is committed to results-based management, combining quality programming with financially sound management. The Fund produces concrete results through programmes that pilot innovative approaches to local development and microfinance for replication on a larger scale.

Investors -|subtemplate.asp&area_2=Our%20Story/Investors

Partners -
Mary Houghton is President, Chief Operating Officer, and a co-founder of ShoreBank Corporation and serves as Chair and CEO, ShoreCap Management, Ltd. She is a director of the corporation and a member of the executive committee, and a director of most of its subsidiaries and affiliates, as well as a member of several credit committees. Mary has thirty-five years of commercial banking experience in underinvested markets in the United States and in developing countries. She was a founder of the Women’s Self Employment Project (WSEP), a leading U.S. microfinance organization. She is or has been a member of the boards of Accion International, Women’s World Banking, Calmeadow Foundation and the Calvert Foundation. She is a member of the Cities Alliance Policy Advisory Group (Secretariat at the World Bank) and a founding member of the Council on Equity Funds. She did the bank financial feasibility work for Grameen Bank donors in the 1980s and subsequently for BRAC Bank and the Aga Khan Rural Support Program’s bank in northern Pakistan. She serves on the Board of K-Rep Bank in Kenya.|child.asp&area_7=pages%2Ftitles%2Fsearch%5Ftitle&area_4=0&area_2=pages%2Fabout%2Four%5Fteam%2Fmary%2Edat&NC=4352X

I did this in haste...spent a few hours at this last night. I know it’s a lot of stuff but if you go scan you’ll start to understand. A little more coming which will complete the picture. The Clintons, Timothy Wirth, Al Gore, Eugene Ludwig, Babbitts, Carol Browner, Jamie Gorelick...blackstone group, blackwater, apollo group, Gates, Anne Erhlich on CoR board, CRI, Trilateral, Club of Rome and both sister clubs.

They’ve been stealing our money for years with the goal of changing our whole economy. ShoreBank is their money laudering bank - most of the money is going overseas. China, Pakistan, Kenya, etc. They still use the template they used for the Apal Scare fraud only w/ more wings.

34 posted on 05/18/2010 8:14:25 AM PDT by bronxville
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To: bronxville

Statement by Mark Pinsky, CEO of the Opportunity Finance Network on Community Development Financial Institutions (CDFIs)

Strategic Plan
Aligning Capital With Social, Economic & Political Justice: National Community Capital’s Strategic Plan 2004-2010* was developed in response to structural and systemic changes in our external operating environment and within and among the opportunity finance industry. We needed to understand how opportunity finance is likely to change over the next seven-ten years and what role we should play.
We set six strategic goals Opportunity Finance Network expects to achieve by 2010. Of the six, two are systemic – that is, they are transformational changes of the opportunity finance system – and four are organizational, they pertain directly to Opportunity Finance Network.
To read the Strategic Plan in its entirety click here - (La Raza etc) 02 - 2 0 1 0

Calvert and Opportunity Finance Network (OFN) have been chosen to handle the money being given to ShoreBank. One should read OFN’s strategic plan. Tessa Tenant is an interesting character. Barbara Krumsiek and Richard Burrett
co-chairing the financial side of the UNEP is interesting...the money is moving...

Tired, will post one more very important piece, and then start thinking some more...they say they’re doing it for the poor and they lie. Sorry it’s all a mess but don’t have time to sort it.

35 posted on 05/18/2010 8:32:04 AM PDT by bronxville
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To: bronxville

D. Wayne Silby, Co-Chairman and Finance Committee Chair
Mr. Silby also co-founded Social Venture Network, a group of socially oriented entrepreneurs and investors, and Calvert Social Venture Partners, one of the first socially oriented venture capital funds. Mr. Silby helped start an Internet company focused on group collaboration, called GroupServe Foundation, which he now chairs. He also started the Emerging Europe Fund for Sustainable Investment, a $60 million OPIC private equity fund focused on Central Europe.
Mr. Silby chairs the CHINA Committee of GRAMEEN Foundation USA, on whose board he also serves, and serves on the board of the Grameen Technology Council, which addresses issues of the “digital divide.”

John G. Guffey, Jr., Co-Chairman; Audit Committee Chair; Acting Investment Committee ChairJohn Guffey founded Calvert, a $15 billion investment management group in Bethesda, MD, noted for their leadership in the area of socially responsible investment. He has worked as the Ventures Fund manager for the environmental and health care fields since 1998. Mr. Guffey is an organizer and board member of the Community Capital Bank of NY.

Carol Atwood, Advancement Committee Chair

Carol Atwood is founder and President of Spartacus Capital, which provides consulting and advisory services to organizations requiring high level strategic partnerships and fundraising support. Her past projects have covered an array of sectors including: clean tech, emerging markets (with a specific focus on China, West Africa and South America), natural resources and the social media sectors. Ms. Atwood is a successful entrepreneur who is actively involved in creating and participating in socially focused ventures, with a primary focus in alternative energy, emerging markets and social networking. She is a recipient of many awards, including “NYC Entrepreneur of the Year” award, which was sponsored by NASDAQ, Kaufmann Foundation, and Ernst and Young.

Ms. Atwood formerly owned and operated TMG, an international marketing company that developed programs for Fortune 500 companies. In 1997, TMG was named “Company of the Year” by the National Association of Small Business Investment Companies and ranked among the top 100 women-owned businesses by Working Woman magazine, placing between Martha Stewart and Oprah Winfrey. Ms. Atwood also serves on the boards of King Arthur Flour and IW Financial, and on the steering committee of Boston College’s Institute for Responsible Investment.

Margaret Clark
Peggy Clark is the Executive Vice President for Policy Programs at the Aspen Institute in Washington, D.C. From 1991 to 2000, she founded and served as the Executive Director of the Economic Opportunities Program at the Aspen Institute, and received the Presidential Award for Excellence in Microenterprise Development from President Bill Clinton. Prior to Aspen, she served as Co-Chair of the Women’s Program Forum at the Ford Foundation. She also served as Program Officer for Women and Employment Grants in the Foundation’s Rural Poverty division. From 1985 to 1988, Ms. Clark directed the Small Scale Enterprise at the Save the Children Federation.

Ms. Clark graduated with Honors from Colgate University with a BA in Anthropology and Fine Arts, and she earned her Masters from Johns Hopkins University School of International Studies in International Economics and Latin American Economic Development. She also serves on the board of the Paraprofessional Healthcare Institute in the South Bronx.

Seth Goldman
Seth Goldman is President and TeaEO of Honest Tea, the company he co-founded in 1998 with Professor Barry Nalebuff of the Yale School of Management. Over the past ten years the company has thrived with a 66% annual compound growth rate, as consumers have shifted toward healthier and more sustainable diets. In 2008 The Coca-Cola Company purchased a minority interest in Honest Tea, fueling further growth as Honest becomes the first organic and Fair Trade brand to move into the world’s largest beverage distribution system.
In 2008 Seth co-founded Bethesda Green, a local sustainability initiative in Honest Tea’s hometown. In its first year Bethesda Green has installed dozens of recycling bins and helped area restaurants convert their grease waste into biodiesel. Seth also serves on the boards of Pennsylvania Certified Organic, Environmental Leadership Program, Happy Baby, and Net Impact.

Before launching Honest Tea, Seth worked at Calvert Group, managing the marketing and sales efforts for the nation’s largest family of socially responsible mutual funds. His previous work includes managing a corporate initiative to combat child labor for the Calvert Foundation, directing an AmeriCorps demonstration project in Baltimore and serving as Senator Lloyd Bentsen’s Deputy Press Secretary for two-and-a-half years. Before that, he worked in Beijing and Moscow. He is a graduate of Harvard College (1987) and the Yale School of Management (1995). Seth has been awarded a Crown Fellowship from the Aspen Institute and Ernst & Young’s 2008 Entrepreneur of the Year Award for the Mid-Atlantic region. Find out more about Seth in our Investor Gallery.

Mary Houghton
Mary Houghton has been a member of the senior management of Shorebank Corporation since its founding in 1973 and is currently president of Shorebank and responsible for expansion management. Shorebank is a regulated bank holding company which invests its own resources and attracts external resources to under-invested urban and rural communities in Illinois, Ohio, Michigan and Washington state. It is the first and largest community development bank in the United States.

Since the early 1980s she did short term advisory work in Bangladesh at Grameen Bank and the Bangladesh Rural Advancement Committee and in Pakistan at the Aga Khan Rural Support Program. Shorebank subsequently has advised banks in Poland, Russia and other ex-Soviet Union nations on lending to small businesses. It expects to be an investor in K-REP Bank in Kenya, BASIX in India and BRAC Bank in Bangladesh.

Ms. Houghton was the senior lender and senior operating officer of the South Shore Bank in Chicago. She was a co-founder of two nonprofit organizations in Chicago formed to meet the economic needs of low and moderate women and serves on the boards of several national and international organizations providing enterprise credit. Her degrees were an M.A. in international studies from Johns Hopkins University and a B.A. cum laude from Marquette University.

Barbara J. Krumsiek
Barbara Krumsiek has been CEO and President of Calvert Group, Ltd. since 1997. Calvert manages over $15 billion in assets across more than 40 mutual funds, including award-winning fixed income portfolios and a full lineup of socially responsible mutual funds. Ms. Krumsiek’s career in the investment industry spans three decades. Before coming to Calvert, Ms. Krumsiek was a Managing Director at Alliance Capital Management LP in New York City. At Calvert, she has presided over a period of dramatic growth and increased visibility, both within the socially-responsible investment sector (SRI) and in the financial services industry as a whole. Under her leadership, the firm’s sales have grown seven-fold and increasing the firm’s presence among individual investors, advisors and the expanding retirement plan including 401(k) plans, has expanded dramatically.

Graduating Phi Beta Kappa with honors from Douglass College, Rutgers University, Ms. Krumsiek received a Bachelor’s degree in mathematics. She received a Master’s degree in mathematics from the Courant Institute of Mathematical Sciences, New York University. In 2000, the Rutgers University Alumni Federation added her to the Hall of Distinguished Alumni, and in that same year, Douglass College and the Associate Alumnae named her to The Douglass Society. In May, 2002 Georgetown University awarded Ms. Krumsiek the Degree of Doctor of Humane Letters, Honoris Causa, citing her work in advancing the critical dialogue regarding the role of business in society.
Ms. Krumsiek, a native New Yorker, resides in Bethesda, Maryland with her husband, Bart Leonard, and their two daughters.

Ira Lieberman
Since 1995, Dr. Lieberman has been deeply involved in the microfinance (MF) sector. He started and managed the Consultative Groups to Assist the Poorest (CGAP) from 1995 to 1999, and from 2003 to 2004, worked as a Senior Economic Advisor to George Soros and the Open Society Institute, building their microfinance capacity in the Balkans. Since 2005, he has served as the Chairman of the Advisory Board of the Emergency Liquidity Fund for Latin America. Dr. Lieberman is also a member of the Council of Microfinance

Equity Funds
In addition to his work in microfinance, Dr. Lieberman was responsible for co-managing the World Bank’s global practice on privatization. From 1999 to 2003, he was responsible for the Bank’s private and financial sector activities in Central Asia, Serbia and the Russian Federation.

Prior to the World Bank, Dr. Lieberman worked for some twenty years in private business at Arthur Andersen, managed consulting operations in Western Europe for Touche Ross (now Deloitte & Touche), and served as CFO, Executive Vice President and CEO of ICC Industries Inc.’s manufacturing group.

Dr. Lieberman is currently President of his own consulting and advisory company, LIPAM International, Inc., advising client governments, donor institutions and NGOs in various areas of economic development.

Dr. Lieberman has a BA from Lehigh University, an MBA from Columbia University and a Ph.D. from Oxford University, and has taught courses on structural adjustment at Johns Hopkins School of Advanced International Studies (SAIS).
Terrence J. Mollner, Governance Nominations Committee Chair
Terrence Mollner is the founder and chair of Massachusetts-based Trusteeship Institute, Inc., an economic and social policy think tank and consulting firm. Dr. Mollner is also a founding member of the board of trustees of the Calvert Family of Socially Responsible Mutual Funds. He is also founder of Calvert Foundation.

Mr. Mollner has written numerous articles and is one of a number of authors in two books recently published by Sterling and Stone: New Traditions in Business – Spirit and Leadership in the 21st Century and Community Building – Renewing Spirit and Learning in Business. He is also a fellow of the World Business Academy, a member of Social Venture Network, and a founder and member of the board of The Fourth Sector Network, Inc.

Reggie Stanley
Reggie Stanley is the Chief Marketing Officer and has led Calvert Group’s marketing and product development initiatives for the past six years. Mr. Stanley has twenty-five years of experience in investment, economic development and entrepreneurial businesses. Prior to Calvert he served as President of Boston Community Managed Assets and Chief Operating Officer of its CDFI holding company, Boston Community Capital (BCC). He joined BCC after spending seven years and holding several leadership positions at Fidelity Investments, including Vice President of High Net Worth Marketing and Customer Development and E-Commerce. He has worked at the consulting firms of Bain & Company and McKinsey & Company, as well as served on several community and nonprofit boards aimed at civil justice, economic development, equality and quality of life issues. His current board affiliations include: The Social Investment Forum, Echoing Green, Shared Interest, Doorways to Dreams. Mr. Stanley is a recent fellow of the Southern Africa/United States Center for Leadership and Public Values. He earned his MBA at the Wharton School of the University of Pennsylvania and graduated with honors with a BA from the University of Pennsylvania.

Kathy Stearns
Kathy Stearns formed Arc Advisers LLC in 2007 after more than 20 years in the community development finance sector to offer financial planning services to individuals, and consulting services to nonprofits and small businesses on how to maximize the benefits of their retirement plans for staff.

From 1997 to 2007 Kathy worked at Opportunity Finance Network where, in various positions, she developed and implemented the first ever rating system for community development financial institutions, served as Chief Financial Officer, managed the organization’s financing activities, and provided training and consulting services to CDFIs.

Prior to working at Opportunity Finance, Kathy worked at ACCION International for 9 years, during which time she managed a microfinance organization in Costa Rica, helped start microfinance programs in the US, and provided training and consulting services to microfinance organizations in Latin America, Asia and Africa.

Wells Fargo is one of the Big Four banks of the United States with Bank of America, Citigroup and JP Morgan Chase

World’s First Microinsurance Fund Announces Major New Investors J.P. Morgan, TIAA-CREF, Proparco, Waterloo, ACE - LeapFrog Fund Achieves Record Close of $137 million....(Community Banks - highbeam media wing -


Carver’s foundation was built on serving communities which had limited access to quality financial services. Carver meets this challenge today by partnering with local government agencies to develop products that meet the specific and emerging needs of our customers and the community:


Carver is partnering with the New York City Office of Financial Empowerment (OFE) by providing no fee bank accounts to “unbanked” families in a program called Opportunity NYC (”ONYC”). ONYC is a New York City anti-poverty program that seeks to help move people out of poverty by creating incentives that encourage attainment of education, training and employment opportunities. Carver has opened more ONYC participant accounts than any other bank in the program. To learn more about the ONYC program
Carver is partnering with the New York City Housing Authority (NYCHA) by participating in a pilot program to encourage NYCHA residents to pay their rent at a lower cost at a participating Carver branch verses using a check cashier. This program has been very successful and Carver is currently working on expanding its services and products to this market segment

MWBE Capital Access Loan Programs

Since 2007 Carver has been partnering with the New York City School Construction Authority (SCA) through their Mentor Program which is designed to help small minority contractors improve their profitability and expand their businesses by providing them access to capital and bonding capacity. Carver’s small business lending area provides eligible contractors with working capital loans up to $150,000. CCDC provides technical assistance and workshops to the contractors. To date, we have provided close to $5MM in working capital financing since the inception of the program. For more information on the SCA Mentor Program visit the New York City Department of Education SCA website.
Carver has been approved by the U.S. Department of Transportation (US DOT) as a participating lender in the agency’s Short Term Lending Program (STLP). The STLP is a loan guarantee program designed to enhance lending opportunities for disadvantaged business enterprises (DBEs) and other small disadvantaged businesses (SDBs) in order to bolster the number of companies engaged in transportation-related contracts. The STLP also helps to strengthen the competitive and productive capabilities of DBEs and SDBs currently doing business with the US DOT, its grantees, recipients, as well as their contractors and subcontractors. Carver is the only bank in the Northeast region to receive this esteemed designation. For more information on the US DOT and the STLP, please visit To learn more about this and Carver’s other capital access and lending programs, visit or call 718.230.2900.
Partnerships coming soon: Empire State Development Corporation, Port Authority

Their goal is completion by 2015. GW Bush was in on it as was his father. These crooks collected lots of money over the years for horrendous tragedies - what did they do with it? The only real money the country has left is our IRA’s, 401K’s... They will “redistribute” it. They’re in league with Arabland, China, everywhere...they’ve sold us out.

36 posted on 05/18/2010 9:34:09 AM PDT by bronxville
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To: bronxville

Torturous incestuous relationships... How many of the big guys at Leyland’s and Durham Burnham Lambert slunk off into the dark after their collapse? I suspect not too many, as we speak, those I’m familar with by name are multimillionaires. One wonders who would hire them and it there wasn’t a little sabotage - just thinking out loud. Oracle reminded me...What really happened at these places..not being into high finance one wonders.

ShoreBank Organizational Chart -|documents/7A%20Organizational%20Chart_New.pdf,%20Environmental%20Quality%20Management,%20Spring%202007.pdf

Tessa Tennant {interesting story) -

Tessa Tennant - Presentation...

Boston Community Group (Romney involved - it may be okay but...)
Tranioning - summit 20/20

Oracle -

This is the most important site - you will see...

The last post exposes many names!

They’ve given our beautiful country to China and Islam. We are in God’s hands.

Fr Malachi Martin (RIP) said we were actually in the new world order over 20 yrs ago...there’s no escape from it. This is our last stand.

God bless all here. I’ll fix that messy post tomorrow.

37 posted on 05/18/2010 11:04:21 AM PDT by bronxville
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To: bronxville
They’ve been stealing our money for years with the goal of changing our whole economy. ShoreBank is their money laudering bank - most of the money is going overseas. China, Pakistan, Kenya, etc. They still use the template they used for the Apal Scare fraud only w/ more wings.

Lots of information. Thanks for doing the research. Scary stuff. Will spread the word and pass it on. . .

38 posted on 05/18/2010 11:57:49 AM PDT by Art in Idaho (Conservatism is the only hope for Western Civilization.)
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To: bronxville

Thanks for the information. US citizens are being cleaned out and will never recover.

39 posted on 05/19/2010 6:14:20 PM PDT by J Edgar
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To: bronxville

40 posted on 05/23/2010 8:12:56 PM PDT by bronxville
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To: bronxville

“In 1992, seeking to find greater financial resources for entrepreneurial efforts in these communities, Ecotrust initiated discussions with ShoreBank Corporation, the Chicago-based leader in community development banking. In 1995, the two partnered in founding ShoreBank Enterprise (now ShoreBank Enterprise Cascadia), a non-profit community development financial institution (CDFI), and in 1997 ShoreBank Pacific, the nation’s first environmental bank.”

They have 5 NONPROFIT Enterprises and 4 Partners:

The Ecotrust = ShoreBank Enterprise Cascadia -?1992 ?1995

EcoTrust is a nonprofit organization dedicated to building a conservation economy in the Pacific Northwest and to mobilizing people around conservation of the region’s resources. In 1997, Ecotrust and ShoreBank Corporation formed a partnership to create ShoreBank Pacific. EcoTrust raised capital for its own investment in ShoreBank, and the two organizations continue to collaborate broadly in the region.

To help build a conservation economy in the Pacific Northwest, Ecotrust has characterized a large portion of the region as “Salmon Nation” and articulated a strategy for its prosperity. A conservation economy promotes economic relationships that maintain ecological integrity while advancing social equity.

Salmon Nation represents a place that follows the coast from Alaska to California where salmon holds a keystone position in history and the economy. By promoting this notion, Ecotrust hopes to inspire a sense of pride, citizenship and environmental responsibility in the people who live in the region.

Northern Inititives = Northern Michigan University - 1992

rthern Michigan University (NMU) is a public university in Michigan’s spectacular Upper Peninsula. In 1992, NMU partnered with ShoreBank to re-form an acacdemic department as a nonprofit community development corporation, now called Northern Initiatives. It’s purpose is to improve economic conditions and develop communities in the Upper Peninsula.

Located in Marquette, Michigan, Northern Michigan University is a four-year, coeducational university with about 9,600 undergraduate and graduate students. NMU’s vision is to become a the university of choice for students seeking to receive individualized attention from accomplished faculty delivering a quality academic program in a high-tech learning environment. NMU offers 140 academic programs and each student is issued a ThinkPad or iBook notebook computer as part of tuition and fees. Campus facilities include new art and design studios, clinical science labs, on-campus radio stations, and a public TV station. About 80 percent of NMU’s faculty members hold doctorates or the highest degrees in their fields.

Detroit ShoreBank Enterprise = Detroit Renaissance - 1970

Detroit Renaissance is a private, nonprofit organization that brings the business community’s leadership and resources together to encourage the physical and economic revitalization of Detroit and Southeast Michigan. The organization was formed in 1970 by business leaders concerned with transforming the city’s troubled past into a promising future. In addition to physical and economic development initiatives, Detroit Renaissance reviews public policy questions and develops a legislative agenda on selected issues.

The Detroit Renaissance board of directors is composed of the chief executive officers of major Southeast Michigan corporations. The Big Three automobile manufacturers and related supplier companies, utilities and financial institutions comprise the largest membership block. Service firms are also active participants.

Detroit Renaissance created The Detroit Investment Fund in 1995 as a for-profit private capital fund to provide financing to growth-oriented businesses, progressive, high-impact real estate projects and special projects which address strategic needs of the city of Detroit.

Cleveland Shorebank Enterprise = The Greater Cleveland Trust - 1994

The Greater Cleveland Partnership (GCP), the primary voice for businesses in Greater Cleveland, seeks to create jobs and wealth, and improve the economic vitality of the region. It was instrumental in bringing ShoreBank to Cleveland in 1994, and helped raise capital to make the expansion possible.

Its priorities include technology, innovation and high-growth businesses; connected physical development; education and workforce development; and business attraction, retention and expansion. As the largest private-sector economic development organization in Ohio, GCP emphasizes service to its more than 16,100 members; advocacy on behalf of members and the region; diversity and inclusion; and internationalization of the region and its businesses.

FDIC NOTICE - ShoreBank is participating in the FDIC’s Transaction Account Guarantee Program. Under the program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. General FDIC coverage for deposit accounts has also been increased to $250,000 per depositor through December 31, 2013

The 5th NONPROFIT - “A Certified Nonprofit Community Development Financial Institution (CDIF)they listed as ShoreBank Chicago Institute - 1978

I guess the rest are profit making? They’re listed as having $2B in 2008 and are emphatic they didn’t give SUBPRIME loans. Why did the face such significant losses in 2009? They now want $200 million to bail them out.

They mention TRIPLE BOTTOM LINE (TBL) in regards to Ecotrust which is apparently a United Nations order to equally prioritize profits, impact of people and the impact of a project on the environment.


With the ratification of the United Nations and ICLEI TBL standard for urban and community accounting in early 2007, this became the dominant approach to public sector full cost accounting. Similar UN standards apply to natural capital and human capital measurement to assist in measurements required by TBL, e.g. the ecoBudget standard for reporting ecological footprint.

In the private sector, a commitment to corporate social responsibility implies a commitment to some form of TBL reporting. This is distinct from the more limited changes required to deal only with ecological issues.

Bottomline - Spain is broke because they followed the dictates of the UN. Carbon footprints are a joke - my plants and I exchange gases daily. Climate Change happens daily. It’s obviously their vehicle to make money and keep the land and resources protected for themselves while they herd us like cattle into the urban zones they’ve designed for us. This is where we’ll work, sleep, walk, and shop without leaving our assigned sector. There will be no cars (except for them) we will travel via train only and with permission and PAPERS. It’s disgusting that we’re falling for their crap, and that we’re funding these nonprofit ecotrust people, who never actually do a days work, to chase our small business - farmers, fishermen, loggers etc., off their land and out of work thus emptying out small towns. It’s time to STOP this whole charade.

How can a nonprofit bank fund a nonprofit environmentalist movement anyway. It makes no sense unless they’re making mucho money on their profit areas aka non-CDFI’s which I don’t think they have in the first place. Ecotrust is now international. ShoreBank is also international. Whose money are they using? CLOSE THE MONEY SPIGOT!

41 posted on 05/23/2010 10:41:26 PM PDT by bronxville
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To: bronxville

ShoreBank International -

Selected SBI International highlights -

Assisted 77 partner banks advance $633 million of over 73,000 loans

The average charge-off rate in the above portfolios was less than 1.0%

Trained over 5,000 bank loan officers on small business lending

Helped microfinance institutions in Asia and East Africa convert to banks

The ShoreCap Companies

In 2003, ShoreBank formed the ShoreCap Companies based on the values and operating principles that have made SBI a leader in rebuilding local economies. ShoreCap also taps the resources of SBI.

Together SBI and SCE work with other like-minded organizations and individuals, to catalyze increased economic activity in under-invested communities. SCE provides financial support, operating systems and institutional support to create permanent, locally controlled financial institutions that serve small and micro businesses to achieve sustainable development impact.

This seems to be a United Nations project full of NGO’s. I just checked - they want to bring it to “Main Street”.

42 posted on 05/23/2010 11:36:51 PM PDT by bronxville
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To: bronxville

United States Department of Treasury

Remarks by CDFI Fund Director Donna Gambrell at the Association for Enterprise Opportunity’s 2010 National Microenterprise Conference and Training Institute

May 11, 2010


Thank you, Connie, for those kind remarks. It is an honor to be here today, and to be in the company once again of so many inspired—and inspiring—microfinance professionals.
Our theme today is Visioning a Microenterprise Ecosystem for Main Street, and I must say, I appreciate the term “Main Street” in the title. It has a uniquely American connotation, and I believe that this is an ideal time to begin a serious discussion of microfinance with an American focus.

In recent years, as the microfinance industry has grown and matured, its profile has risen, sometimes in quite dramatic ways. I remember how moved I was back in 2006 when the Norwegian Nobel Committee announced that it had decided to award the Nobel Peace Price to Muhammad Yunus and Grameen Bank for “their efforts to create economic and social development from below.” The award was clear evidence that microfinance was no longer working in the shadows to transform the lives of disadvantaged individuals and communities, but had stepped into the full light of day and was gaining the admiration of an ever-growing audience.
I am sure there is no one here today who hasn’t been profoundly inspired by the visionary work of Professor Yunus and the Grameen Bank—and of the many other outstanding microfinance organizations that are helping to take the industry to a new level.

I am also aware, however, that the success of microfinance around the world has had a curious effect on the way that many perceive microfinance in the United States. Perhaps it would be more accurate to say they don’t perceive microfinance in the United States. Rather, they see it as something that is effective in distant lands. And they largely overlook the vital role that microenterprise can and does play right here on our own Main Streets.

So I welcome a discussion with an American focus. And I am confident that, working together, we can develop new ways to build a strong future for American microfinance and start taking some new steps towards raising the recognition and value of microfinance at home.

A holistic vision of community economic development
A strong future must begin with a clear vision. And at the CDFI Fund, we have a clear vision of the role of microenterprise.

Our vision is a product of our own experience working with CDFIs. There are now 860 certified CDFIs in the United States. They range from substantial organizations with staff in cities across the nation to tiny mom-and-pop outfits that focus on the neighborhoods where they are based. And they do a wide range of work—finance businesses large and small, develop affordable housing, and provide funding for community-based social service organizations.
So there is no such thing as a typical CDFI. Each one is different. And that diversity is our greatest strength, because each CDFI has an important role to play.

You see, at the CDFI Fund we believe that strengthening our nation’s low-income communities—and, in fact, restoring our nation’s economy—requires a holistic approach. For a community or an economy to be strong and vibrant, it needs to have strong and productive businesses of every type—large businesses, small businesses, microenterprises—and businesses in a wide variety of market segments. And it needs much more. It also needs high-quality, affordable housing, effective community service organizations, and a host of other vital institutions.

In other words, there can never be one, big solution; there can only be many small solutions. And the strength of the community development finance industry is that its parts—the separate organizations of which the industry is made—are so diverse that the whole industry by its very nature provides many types of solutions. Indeed, our industry embodies the holistic approach that the task of building stronger communities and rebuilding our economy requires.

The CDFI Fund sees microfinance as an important part of that approach. Once again, that view is a product of our direct experience. In the work of CDFIs, we have seen just how powerful microfinance can be in effecting the kind of individual transformations that are critical steps in the transformation of entire communities.

We have seen, for example, how microloans helped people along the Gulf Coast start new businesses and rebuild their lives in the aftermath of Hurricane Katrina—and are now helping people whose jobs are threatened by the recent oil spill move forward with their lives.

We have seen how microloans have enabled young entrepreneurs in our nation’s Native Communities to launch businesses in their towns and villages, and to stand as role models for others in their communities.

We have seen how microloans have helped disabled Americans—who suffer disproportionately from unemployment and the effects of poverty—to create home-based businesses and discover new opportunities for financial well being.
Yes, the CDFI Fund has seen microfinance in action, and we believe in the power of microfinance.

When I spoke at this conference a year ago, I noted that we were at the beginning of a new day for the CDFI industry. With funding from the Recovery Act in 2009 and a significant increase in our budget for FY2010, the CDFI Fund has been able to expand its impact. And we have been given the responsibility for implementing some new initiatives that will enable us to continue building momentum in 2010 and beyond.

That momentum is evident among CDFIs involved in microfinance as well.

Just consider this: In 2007, the CDFI Fund provided financial assistance awards to 36 Small Business/Microenterprise CDFIs—those are CDFIs whose primary line of work is small business and microenterprise—and the awards totaled $9.6 million.

In 2009, we provided financial assistance awards to 77 Small Business/Microenterprise CDFIs, and the total reached $89.2 million.

And in the current, 2010 round, we’re committed to increasing both TA-only awards and SECA awards.
Microfinance continues to be a major focus of CDFIs. Of all business loans made by CDFIs, 58.9 percent are microloans. Approximately 53.3 percent of these loans go to minority-owned or minority-controlled businesses, and 40.2 percent go to women-owned or controlled businesses. And nearly half—54.1 percent—go to low-income-owned or controlled businesses.

I can also report that the CDFI Fund has taken significant steps to support the growth of Small business/Microenterprise CDFIs.

Through our SECA program—“SECA” stands for Small and Emerging CDFI Assistance—we make it easier for newer and smaller CDFIs to gain access to financial assistance and technical awards. The basic idea is that when these smaller CDFIs apply for awards, we place them in a separate pool so that they compete for the awards against organizations much like themselves rather than against larger, more established CDFIs. It’s our way of leveling the playing field for smaller organizations.

Another initiative we have that is critical to the development of CDFIs is our Technical Assistance (TA), which offers smaller grants to both established and emerging CDFIs for the purpose of enhancing their capacity.

The average size of the award was under $90,000 in 2009, and they are used to pay for things like consulting services, technology purchases and operating expenses. And you don’t have to be certified to receive TA. When an uncertified group is awarded TA, they have two years to become certified. Out of 27 of these awards made in FY 2009, 21 went to first time applicants, so this is a great tool that you can apply for every year to build your capacity.

One beneficiary of the Financial and Technical Assistance programs has been ACCION Texas-Louisiana. In her testimony to the House Financial Services Committee last March, Janie Barrera, the president and CEO of ACCION Texas-Louisiana, spoke of the tremendous impact that the financial and technical assistance provided by the CDFI Fund organization:

Since 1996, the Fund has awarded ACCION Texas over $6.8 million total in a combination of grants and loans for loan capital, all of which was deployed, on average, within twenty-four months of receipt. We have also received $132,000 in technical assistance grants used to support technology upgrades. These funds have been essential in our expansion beyond our initial office in San Antonio to 14 offices across Texas and Louisiana.

Taking the next step -

Microfinance has made tremendous progress in the United States in recent years. And we can do even more in the years to come. Now is the time to begin envisioning the next steps we must take.

And now is the time to rededicate ourselves to working together.

We all share a common goal. We all want to help microfinance organizations to become stronger and more skillful so that microfinance can become every bit as effective and as widespread in the U.S. as it is elsewhere around the globe.

Indeed, we all want to bring forth a new day for microfinance.

So, I would like to conclude my remarks today by offering a couple of thoughts of my own about how we might begin working together to achieve that goal.

My first thought is simple and very timely. On March 2, the CDFI Fund announced that we are undertaking a comprehensive review of our entire authorizing statute, the Riegle Community Development and Regulatory Improvement Act of 1994. As part of that process we have asked CDFI applicants, community development trade groups, and the general public to provide written comments that we will use to formulate future policy and legislative proposals that will increase our support to CDFIs. In addition, we have conducted a series of national listening sessions in distressed communities around the country to really draw out feedback.

These efforts are a critical part of our strategy to position the CDFI Fund to lead another 15 years of growth for CDFIs and the entire community development finance sector. As I mentioned, the CDFI Fund has a keen appreciation of the importance of microfinance and we would like to find ways to do more. So we welcome suggestions from microfinance professionals—from you—about what the CDFI Fund can do to promote the growth of microfinance in the U.S.

My second thought is actually more of a challenge for you. As I was preparing my remarks for my presentation today, I happened to learn that the number of AEO members that are certified CDFIs is…. Well, let’s just say that the number isn’t quite what it could be. And I wondered why that is.
Perhaps you have thought that the CDFI Fund doesn’t provide a lot of assistance to smaller organizations that specialize in either is the case, I invite you to take another look.

I assure you, the CDFI Fund has the resources and we want to help. As I mentioned, our SECA program is designed to make it easier for small and emerging organizations to gain access to our awards, our TA is an excellent resource for first time and established applicants alike and we now provide one-on-one assistance to applicants to make the application process easier.

So my suggestion is to become a certified CDFI. It is the only way that you will be able to take advantage of the tremendous resources that the CDFI Fund has to offer. To learn more about how to start becoming certified and about how the CDFI Fund’s financial assistance and technical assistance programs can help your organization, please contact us. We will be happy to answer your questions.
I hope that this conference, and this session in particular, mark the beginning of a new era in the development of microfinance in the United States. I look forward to hearing your thoughts about how we can launch that era. And I look forward to working with you as we explore new ways to bring new opportunities to Main Streets across the nation. microfinance

They’re pushing this Islamic microfinance. She says it’s all over the world. It’s NOT...ShoreBank International has just recently started pushing it over there especially in Eastern Europe which brings Soros to mind. No wonder they want ShoreBank! Why this push to microfinance all of us? There’s nothing for free in this world. You get the loan only if you do the ECO thing - they call it the “three pillars” - isn’t there 3 pillars in Islam? It’s also a good way to finance when they’ve herded us into our sector areas. We can get a loan to buy wool, if that’s permitted, to knit sweaters as a business. They just “awarded” $5 billion to this project.

43 posted on 05/24/2010 12:05:02 AM PDT by bronxville
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To: bronxville
FruitVale Village aka Habitat = Boring...
44 posted on 05/24/2010 12:15:18 AM PDT by bronxville
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To: bronxville

“The first ShoreBank was started in Arkansas.”

Correction - the first one was started in Chicago.

45 posted on 08/14/2010 9:47:57 PM PDT by bronxville
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To: Art in Idaho

Why bother? I’m beginning to wonder if it’s even worth it to try to fight them if they’ve already won! So many posters on here keep talking about these things as if they’ve already happened, or are going to happen. Why do we even bother to vote or fight back? This is depressing! (or maybe I’m defeatist)

46 posted on 08/14/2010 10:57:39 PM PDT by dsutah
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To: bronxville
Southern Bankcorp In 1986, then Governor Bill Clinton and the WINTHROP ROCKEFELLER FOUNDATION.... Founding directors included then Arkansas First Lady Hillary Rodham Clinton, Thomas F. (Mack) McClarty, ShoreBank founders Ron Grzywinski and Mary Houghton, Tom McRae, Henry Morgan, Dorothy Stuck and Rob Walton..... Along the way, Southern has grown with the acquisition of banks in southern and eastern Arkansas and western Mississippi, including: Elk Horn Bank and Trust in Arkadelphia, Arkansas, First Bank of the Delta in Helena-West Helena, Arkansas, Delta Southern Bank in Mississippi, Timberland Bank of El Dorado, Arkansas, First Delta Bankshares in Mississippi County, Arkansas, First National Bank of Blytheville in Blytheville, Arkansas, and Bank of Trumann in Trumann, Arkansas.....
47 posted on 02/12/2011 1:16:45 AM PST by bronxville
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To: bronxville

BRAC In Business

Fazle Hasan Abed has built one of the world’s most commercially-minded and successful NGOs (on our dime)

Feb 18th 2010

SMILING and dapper, Fazle Hasan Abed hardly seems like a revolutionary. A Bangladeshi educated in Britain, an admirer of Shakespeare and Joyce, and a former accountant at Shell, he is the son of a distinguished family: his maternal grandfather was a minister in the colonial government of Bengal; a great-uncle was the first Bengali to serve in the governor of Bengal’s executive council. This week he received a very traditional distinction of his own: a knighthood. Yet the organisation he founded, and for which his knighthood is a gong of respect, has probably done more than any single body to upend the traditions of misery and poverty in Bangladesh. Called BRAC, it is by most measures the largest, fastest-growing non-governmental organisation (NGO) in the world—and one of the most businesslike.

Although Mohammed Yunus won the Nobel peace prize in 2006 for helping the poor, his Grameen Bank was neither the first nor the largest microfinance lender in his native Bangladesh; BRAC was. Its microfinance operation disburses about $1 billion a year. But this is only part of what it does: it is also an internet-service provider; it has a university; its primary schools educate 11% of Bangladesh’s children. It runs feed mills, chicken farms, tea plantations and packaging factories. BRAC has shown that NGOs do not need to be small and that a little-known institution from a poor country can outgun famous Western charities. In a book on BRAC entitled “Freedom from Want”, Ian Smillie calls it “undoubtedly the largest and most variegated social experiment in the developing world. The spread of its work dwarfs any other private, government or non-profit enterprise in its impact on development.”

None of this seemed likely in 1970, when Sir Fazle turned Shell’s offices in Chittagong into a refuge for victims of a deadly cyclone. BRAC—which started as an acronym, Bangladesh Rehabilitation Assistance Committee, and became a motto, “building resources across communities”—surmounted its early troubles by combining two things that rarely go together: running an NGO as a business and taking seriously the social context of poverty.

BRAC earns from its operations about 80% of the money it disburses to the poor (the remainder is aid, mostly from Western donors). It calls a halt to activities that require endless subsidies. At one point, it even tried financing itself from the tiny savings of the poor (ie, no aid at all), though this drastic form of self-help proved a step too far: hardly any lenders or borrowers put themselves forward. From the start, Sir Fazle insisted on brutal honesty about results. BRAC pays far more attention to research and “continuous learning” than do most NGOs. David Korten, author of “When Corporations Rule the World”, called it “as near to a pure example of a learning organisation as one is likely to find.”

What makes BRAC unique is its combination of business methods with a particular view of poverty. Poverty is often regarded primarily as an economic problem which can be alleviated by sending money. Influenced by three “liberation thinkers” fashionable in the 1960s—Frantz Fanon, Paulo Freire and Ivan Illich—Sir Fazle recognised that poverty in Bangladeshi villages is also a result of rigid social stratification. In these circumstances, “community development” will help the rich more than the poor; to change the poverty, you have to change the society.

That view might have pointed Sir Fazle towards left-wing politics. Instead, the revolutionary impetus was channelled through BRAC into development. Women became the institution’s focus because they are bottom of the heap and most in need of help: 70% of the children in BRAC schools are girls. Microfinance encourages the poor to save but, unlike the Grameen Bank, BRAC also lends a lot to small companies. Tiny loans may improve the lot of an individual or family but are usually invested in traditional village enterprises, like owning a cow. Sir Fazle’s aim of social change requires not growth (in the sense of more of the same) but development (meaning new and different activities). Only businesses create jobs and new forms of productive enterprise.

After 30 years in Bangladesh, BRAC has more or less perfected its way of doing things and is spreading its wings round the developing world. It is already the biggest NGO in Afghanistan, Tanzania and Uganda, overtaking British charities which have been in the latter countries for decades. Coming from a poor country—and a Muslim one, to boot—means it is less likely to be resented or called condescending. Its costs are lower, too: it does not buy large white SUVs or employ large white men.

Its expansion overseas may, however, present BRAC with a new problem. Robert Kaplan, an American writer, says that NGOs fill the void between thousands of villages and a remote, often broken, government. BRAC does this triumphantly in Bangladesh—but it is a Bangladeshi organisation. Whether it can do the same elsewhere remains to be seen.

“Although Mohammed Yunus won the Nobel peace prize in 2006 for helping the poor, his Grameen Bank was neither the first nor the largest microfinance lender in his native Bangladesh; BRAC was. Its microfinance operation disburses about $1 billion a year.”

Actually Ron Grzywinski and the University of Chicago who started it all and the American taz-payer continues to pay big bucks on it’s neverending expansions around the globe....

1966-69 - Ronald Grzywinski was president of Chicago’s Hyde Park Bank, where he created a successful urban development division focused on lending to minority entrepreneurs. Milton Davis, Jim Fletcher and Mary Houghton worked with him in this unique program -

Continue with Ronald Grzywinski’ Timeline here -

Senator Pleaded for Bank Bailout that Cost Taxpayers( cost taxpayers $2.3 billion)

[...]Indeed, ShoreBank obtained $35 million in federal stimulus funds, then used Rep. Schakowsky, Sen. Dick Durbin (D-IL), and former president Bill Clinton to press Illinois authorities for another $100 million.

Finally, unable to raise the necessary capital from a near-bankrupt state, ShoreBank was able to obtain apparently politically-brokered favors from Wall Street, with personal help from Goldman Sachs CEO Lloyd Blankfein.
More info here with links...

‘Glenn Beck’: ShoreBank’s Tangled Web (corruption democrats)

Glenn Beck TV Show episode videos exposing the nexus of anthropogenic global warming, Obama, Joyce Foundation, Chicago Climate Exchange, ShoreBank, Fannie Mae, Franklin Delano Raines, Cap ‘n’ Trade, Crime Inc., Global Governance, Maurice Strong: Glenn Beck TV Show episode videos exposing the nexus of anthropogenic global warming, Obama, Joyce Foundation, Chicago Climate Exchange, Cap ‘n’ rade, Crime Inc., Global Governance, Maurice Strong...

48 posted on 02/12/2011 1:57:14 AM PST by bronxville
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To: bronxville
Fazle Hasan Abed being knighted. Yunus got his Nobel.
49 posted on 02/12/2011 2:00:10 AM PST by bronxville
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To: bronxville
Well, now you know where the 21 came from in 'Agenda 21'. Most people think this is some sort of conspiracy theory crap, but the whole set of ideas has been up on the UN website almost since they have had one.

Interior Secretary Salazar's Secretarial Order 3310 permitting him to decree "wildlands" plays right in with the UN plan, declaring "Wilderness Areas" (only with a different name)--with no Congressional participation nor oversight.

50 posted on 02/12/2011 2:16:38 AM PST by Smokin' Joe (How often God must weep at humans' folly. Stand fast. God knows what He is doing.)
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