A blog about liberal Christianity, Quakerism, systems thinking, information, social justice and queer rights. May contain sermons.
Thursday, 23 June 2011
Taking the Bible seriously, not taking it literally: notes from an evening with Jack Spong
Saturday, 18 June 2011
Learning about microfinance
As a newbie to the field, I've found it very interesting to hear some of the debates aired at the conference, and to see the breadth of research in the area. Most of the attendees are economists or finance specialists, with a scattering of development studies types and some practitioners; there are only a few people interested in information systems. I've attended talks on whether microfinance (MF) is dead; the history and impact of MF; the role of group/joint lending; inclusive development; MF and entrepreneurship; corporate shared values; and the importance of savings.
Some of the lessons I've learnt about the controversies from a talk by Milford Bateman, author of a book on why microfinance has lost its way (health warning - quite contentious, and not representative of the wider MF community):
- MF is not the uncontroversial development programme it's often presented as by well-meaning Western NGOs. While its goals are laudable, evidence is fairly weak that it lifts people from poverty. The famed micro-enterprises, that MF is intended to fund as a route out of poverty, are often only based on providing goods & services to poor local economies, which have limited capacity to absorb them.
- Moreover, MF has a surprising supporter - the neoliberal 'Washington consensus', where it fits well with their individualism and lack of focus on collective action, although they work hard against the subsidy of MF that is a traditional part of the model. Interestingly, the Obama administration (economically largely neoliberal) is currently funding MF in Egypt, although the goal of the demonstrators in Tahrir Square was often for rather higher-paid traditional jobs (often hard to find under the Mubarak regime).
- Building a wider system of enterprises is crucial - in the history of countries like Germany and Italy, micro-enterprises were enabled to grow into larger groupings because of strong local support. This needs much more emphasis by MF institutions and NGOs. There are good models of this in Vietnam (used as key example in Oxfam's new campaign GROW), Japan, South Korea and China.
- Development as an escape from poverty - like Bateman, he acknowledged that evidence that this works is not strong.
- Development as freedom (from Amartya Sen, not the libertarian or Isaiah Berlin sense of freedom): access to finance creates a greater sense of economic entitlement. It's important to notice that poverty relates not just to low income but also to volatile income, making access to financial services such as savings and insurance especially important for the poor. Stuart Rutherford's work in Bangladesh fits well here.
- Development as industry-building and destruction (cf. Schumpeter's creative destruction). The innovative and experimental nature of MF leads to the creation of many new institutions, often large, but also their churn. As Elizabeth Rhyne observes, building the capacity of financial systems is better than substituting for their inadequacies.
- The crucial importance of savings. Microfinance is often equated to microcredit, but savings are as important as credit for many people.
- The important role of group lending (lending to individuals but in a group context) - public repayments can significantly reduce default rates.
- Again, the important of supporting structures (training, local advisors etc). M.P. Vasimalai from DHAN in India put this very well: "Microfinance alone doesn't do magic - the magic has to be done with the support of structures."
- Interesting classification of enterprises (from Farban & Lessik) which puts micro-entrepreneurs on the middle of a spectrum from subsistence labour to large enterprises. But does MF really support micro-entrepreneurs, or is its focus actually somewhat lower?
- The important role of P2P MF institutions like Kiva.org as a way of lower transaction costs (though I heard very little about the P2P lenders).
- The widespread use of the concept of information asymmetry, which Badruddozza had included in his paper, and which underlies the issues of moral hazard and adverse selection much discussed in the recent banking crisis.
Friday, 6 May 2011
Washable nappies, green technologies and modernity
I was changing Gregory's nappy tonight. He'd filled it pretty efficiently and pretty full. The results had gone right to the edge of the nappy, but not beyond thankfully, so no need to change his clothes as well. We're not always so lucky, but 9 times out of 10 we are. At home, we use washable nappies. When he goes to nursery, we put him in disposables (to make life easier for the staff). He comes back with soiled clothes about half the occasions he goes to nursery. Some of that is down to how rapidly they change him (lots of little ones in the room, so they mostly work on a schedule rather than when he needs a change). But I think most of it is down to the quality of the nappy.
Now, the arguments for and against washable nappies are pretty well-rehearsed. In favour - they use less energy in producing the nappies, they don't leave hard-to-degrade containers of human excrement in landfill sites, they don't fill up bins and landfill so much, they save money. Against - they're less convenient, require effort to store and wash and dry, there's a higher up-front cost, and washing nappies takes energy too (this last is based on very spurious numbers but is often repeated). The bulk of the arguments for washables are essentially moral ones, and perhaps behind both arguments is a worldview about what really matters.
What doesn't get said often enough (though it's not absent from the debate) is that washable nappies work better than disposables. They hold more waste products, keep them safe for longer, and significantly reduce the risk of nappy rash.
Why is this argument not made more often? I think it's to do with the issue of worldviews. Those who use washable nappies do it because they're green-minded. Those who use disposables do it for convenience. To say that washables are more practical is to cut across these categories, so must be inadmissable in some way.
An interesting question is around modernity. When disposables first came in, they were definitely perceived as the Modern Option. Your parents used washable nappies ("terries"), huge things which could only be fixed with a pin and required a week of soaking before they could be washed. Definitely old-school. Moreover, the very complexity of the manufacturing process of disposables made them attractively Modern. And as David Edgerton describes at length in his masterful book The Shock of the Old, the process by which technologies get labelled as Modern is a very strange one, which belies the fact. Of course, contemporary washable nappies are easy to use and clean, and constantly undergoing 'updates' - but the idea that they're Not Modern persists.
So to green technologies more generally. Whether it's windfarms, hybrid cars, or even just bikes, environmentally-responsible technologies are often sold because they're greener, and the question of their practicality (let alone their modernity) is left to one side. The Prius is an exception of sorts - it's very gadgety - but it's fairly rapidly become associated with wealthy American liberals (Hollywood actors etc) for whom practicality is not the main thing. There's now a hybrid version of the Honda Jazz, a car that's very largely sold for its practicality (we have one, and it is indeed very practical) - it will be interesting to see whether the hybrid version is sold as practical++, or as practical design + green engine.
So: what would happen if manufacturers of green technologies sold them as Modern and practical, instead of as green? It would at the least be interesting to see the results.
Sunday, 24 April 2011
Easter and the Apple-Pip Princess: transforming the land and making it blossom again
As far as her eyes could see, there were plants and graceful trees. There were fruit trees and olive trees and nut trees, all fresh and green in the early-morning sunshine. Serenity and her father walked slowly, arm in arm.What a wonderful image for the new life of Easter! I sometimes think the church (especially the Protestant church) is a bit over-keen on Good Friday. We put great emphasis on the death of Jesus, talk a lot about the power of the crucifixion and the importance of his sacrifice. We spend six weeks in Lent preparing to empathise with Christ's suffering. It's important, but it pales into insignificance compared to Easter.
The air was full of the scent of flowers and all around them children were playing. People were picking fruit and tending the trees, and the old people were resting in the dappled shade.
The old King felt his poor unhappy heart fill with warmth again, as all his sadness drifted away on the breeze.
"Serenity, my Serenity", he said. "You shall rule the kingdom! For you have transformed the land and made it blossom again."
Easter changes everything. From despair comes hope. From death comes life. From grief comes joy. It shouldn't be possible. It isn't possible. It throws over all the expectations of the world, both of 1st century Palestine and of our 21st century world. Whether to interpret it in literal physical terms I'm not sure, though I'd certainly agree with David Jenkins (often misquoted) that it is "much more than a conjuring trick with bones". But however it happened, it cannot be ignored. As we heard in our church today, it was the conquering of death by life - "Where, O death, is your victory? Where, O death, is your sting?" (1 Corinthians 15:55).
And that's why Easter Sunday matters, more than bunnies and chocolate eggs and even more than Good Friday. And it's why the resurrection, like the quote above, transforms the land and makes it blossom again.
Thursday, 17 March 2011
Information in two surprising places
First, Martin Simon talked of money as an information system, in that the exchange of money for particular purposes carries with it certain messages. Some of these are current: when I purchase one brand of breakfast cereal instead of another, I am sending a message both to the cereal maker and the supermarket as to my preferences. Some of them are historic: the money I possess and the way it is saved carries messages both about my values and the value society places upon my work. But Martin Simon's work on 'timebanking' also encourages us to view the way we use our time as an information system, in many ways like money but behaving somewhat differently.
Second, Tim Flannery talked of DNA as an information system. It's quite a familiar idea that viewing genetics in terms of DNA is to frame biology as information. But the additional idea for me here is the idea that DNA not just holds information but also processes it.
In work on information with David Chapman, we have often made the point that in today's society (and academia), many phenomena are now framed in informational terms which previously were seen in physical terms. These examples emphasis this trend, but also the importance of the system within which the information sits and is processed.
Tuesday, 8 March 2011
Life with Android 1
I was telling my colleague John Naughton, who has a keen sense of what matters in technology, of my having bought an Android phone. He sensibly suggested I keep a diary. Not sure if I should be doing it on this or a more work-related blog, but here goes…
I've not had a new-style smartphone before (i.e. an iPhone style). I previously had a Symbian phone with keypad - good Internet access but a small screen + an OS that felt a bit long in the tooth. I've had two kinds of touchscreen PDA though - beloved Psions with great keyboard & software, and a Palm with good screen (and WiFi) but a bit dated. Enough history, on to the present.
So I have an Orange San Francisco - big bright screen with great resolution, small + light, and cheap. Lots of Orange bloatware, but I can ignore that and in time delete it.
Experience so far is positive. All the PDA stuff (calendar + contacts) easy to shift from old phone via Gmail + Google Calendar. Texting + calls fine. Music player also seems to do all you might expect.
Internet access is smooth + easy, with a neat little browser. WiFi is fast at home, though it was a nasty shock to discover that it can't handle proxy servers, so thus far can only use 3G at work.
And the apps are a delight. So far I've installed: Facebook + Twitter (natch), DropBox for updating files on phone & home/office PCs, Adobe Reader, neat Barcode Scanner, and Blogger (yes I wrote this post on it).
Not a lot to dislike, though I find the touchscreen interface a bit unintuitive at times. Still to work out the best way to move around long text boxes when composing and editing text. And the resolution is so good that selecting text links can be a bit tough. Oh, and very little onboard help. But I hope to get over these in time.
More on my Android experiences as time goes on.
Thursday, 3 March 2011
The miracle of daily life
Last night I listened to a sermon from a few weeks ago, given by Shane Hipps. It was full of wisdom, but especially talked about living life to the full. Here are some extracts from near the end, starting about minute 38 (I've not noted omissions):
"There is one miracle that is as important as the Resurrection and in fact it is so important that if this other miracle didn't happen, the Resurrection is impossible. The Resurrection is irrelevant if this other miracle didn't happen first. Do you know what that miracle is? You were born. If you were never born, if you never lived this life, there is no resurrection for you. This is the miracle. It's unfolding right now before your very eyes, this is the miracle. If we cannot appreciate the first miracle of our existence, what makes us think we will appreciate the second one of resurrection? If we can't actually see how extraordinary this gift of life is right now, do you really think you're going to appreciate it when you get it again? We must learn to enjoy every moment of this passing life."
Brilliant stuff. And it goes along with something posted by a friend to Facebook, about the quality of life to be found in a baby who has the degenerative disease Tay-Sachs, but right now is full of life and doesn't know anything other than the present moment. It's a heart-wrenching but life-affirming read.
As another Mars Hill sermon on Ecclesiastes said, the past is gone; the future is yet to be. The only reality is the present moment, and our greatest joy can be found in celebrating that moment.
The Year of Jane: or, a personal account of my first time reading through all the novels of one of the greatest novelists
I never read Jane Austen as a teenager. I was a voracious reader, but a lot of it was sci-fi & fantasy, I found nineteenth-century ficti...
-
The song "Jonah and the Whale" is much beloved at Sunday Schools . It's jolly but (like lots of Sunday School versions of the ...
-
[Sermon preached at Duston United Reformed Church, 30th March 2014, Mother's Day. Text: Luke 1:46-55 , The Magnificat. The sermon was im...
-
Twenty-five years ago today, I walked into the Venables building at the Open University for the first time as a staff member, was greeted by...