Sunday, April 19, 2020

Re: [MFP] Panemic Portfolio at Risk Rates

 

Hi everyone.


Just wanted to share with you what's happening in some parts of the Philippines. Here's an article on our website: http://sedpi.com/en/update-3-community-assessment-recommendations-support-microenterprises-informal-sector-covid-19/ 

Thanks.

-dimples



—
Emilenn Kate D.S. Sacdalan-Pateño ("Dimples")
Chief Executive Officer, SEDPI
+63 918 2741975
dimples.sacdalan@sedpi.com


Sent from Yahoo Mail for iPhone


On Monday, April 20, 2020, 3:13 AM, MALCOLM HARPER malcolm.harper@btinternet.com [MicrofinancePractice] <MicrofinancePractice@yahoogroups.com> wrote:

 

Thanks Srini, I read awful things about the impact of 'corona' on poorer people in India, not of the disease itself (1 death and 60 cases in Odisha as of yesterday) but of the 'lock-down, and resulting homelessness, mass migration, and so on. 

Maybe it's media exaggeration, and some at least of the families of 'our' children in Odisha (www.orissa.org.uk) who have been sent 'home' (whatever that is) by government order are receiving food from government and NGOs, but I look forward to learning how MFIs are helping, and can also themselves survive in the longer term. 

Malcolm

On Sunday, 19 April 2020, 07:13:58 BST, shrin54@yahoo.co.in [MicrofinancePractice] <microfinancepractice@yahoogroups.com> wrote:


 

Dear friends,
Almost all lenders in India have offered moratorium on EMIs from mf borrowers. The central bank led this initiative  with early guidelines soon after lockdown was announced. But  there are other existential  problems  for both borrowers  and MFIs. Since we are starting the discussions  on MFP, I will write  about them over the next few days. 
Keep safe.
Best regards 
Srinivasan 

On 19 Apr 2020 01:13, "'Howard Brady' hbrady@mfiresources.org [MicrofinancePractice]" <MicrofinancePractice@yahoogroups.com> wrote:
 

Hi Colleagues,

 

Since we're all in this together, I hope many of you would be willing to share with your colleagues what portfolio at risk rates you're seeing as worldwide governments have shut down non-essential businesses which probably include many of our microentrepreneur clients/borrowers.  Certainly you could share more, but perhaps what PAR was December 31, 2019 then at March 31, 2020.  If you're shy, or perhaps not authorized to share this information with your institution attached to it, you could send me a private message (don't reply to this one, create a new one with my email, hbrady@mfiresources.org) with your country (and city if you'd like) with the information that would be useful for the group and I'll keep you anonymous.

 

It's been a quite a long time since we've had a healthy exchange here, and now that we're in the pandemic time, I hope several of you will contribute.

 

Thanks,

-howard


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Posted by: =?UTF-8?Q?Dimples_Sacdalan-Pate=C3=B1o?= <emilennkate@yahoo.com>
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Re: [MFP] Panemic Portfolio at Risk Rates

 

yes i wonder how many systems will break down on poorest-  i can imagine basic food prices will go up but how do we map priorities of that versus health, and other systems , how much do they vary regionally- i am most interested in community resiliency analysis independent of risks to mfi- once we have that info we can map risks to bankers

On Sunday, 19 April 2020, 15:13:17 GMT-4, MALCOLM HARPER malcolm.harper@btinternet.com [MicrofinancePractice] <microfinancepractice@yahoogroups.com> wrote:


 

Thanks Srini, I read awful things about the impact of 'corona' on poorer people in India, not of the disease itself (1 death and 60 cases in Odisha as of yesterday) but of the 'lock-down, and resulting homelessness, mass migration, and so on. 

Maybe it's media exaggeration, and some at least of the families of 'our' children in Odisha (www.orissa.org.uk) who have been sent 'home' (whatever that is) by government order are receiving food from government and NGOs, but I look forward to learning how MFIs are helping, and can also themselves survive in the longer term. 

Malcolm

On Sunday, 19 April 2020, 07:13:58 BST, shrin54@yahoo.co.in [MicrofinancePractice] <microfinancepractice@yahoogroups.com> wrote:


 

Dear friends,
Almost all lenders in India have offered moratorium on EMIs from mf borrowers. The central bank led this initiative  with early guidelines soon after lockdown was announced. But  there are other existential  problems  for both borrowers  and MFIs. Since we are starting the discussions  on MFP, I will write  about them over the next few days. 
Keep safe.
Best regards 
Srinivasan 

On 19 Apr 2020 01:13, "'Howard Brady' hbrady@mfiresources.org [MicrofinancePractice]" <MicrofinancePractice@yahoogroups.com> wrote:
 

Hi Colleagues,

 

Since we're all in this together, I hope many of you would be willing to share with your colleagues what portfolio at risk rates you're seeing as worldwide governments have shut down non-essential businesses which probably include many of our microentrepreneur clients/borrowers.  Certainly you could share more, but perhaps what PAR was December 31, 2019 then at March 31, 2020.  If you're shy, or perhaps not authorized to share this information with your institution attached to it, you could send me a private message (don't reply to this one, create a new one with my email, hbrady@mfiresources.org) with your country (and city if you'd like) with the information that would be useful for the group and I'll keep you anonymous.

 

It's been a quite a long time since we've had a healthy exchange here, and now that we're in the pandemic time, I hope several of you will contribute.

 

Thanks,

-howard


__._,_.___
Posted by: christopher macrae <chris.macrae@yahoo.co.uk>
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RE: [MFP] Panemic Portfolio at Risk Rates

 

Dear All,

I wanted to reach out to share links to our most recent blogs that reflect MSC <http://www.microsave.net/> 's assessment of the impact of the COVID-19 pandemic on the lives of low- and moderate-income households, enterprises, and fintechs. These blogs are the first set of rapid response, dipstick blogs developed based on the initial work we completed in five countries across Asia and Africa. We have developed and released these blogs to inform the on-going debate and guide the research being planned. We will, in due course, develop more detailed reports and dashboards.

1. The economies have been hit already—we now need palliatives and ultimately cures <https://www.microsave.net/2020/04/14/the-economies-have-been-hit-already-we-now-need-palliatives-and-ultimately-cures/>

2. Micro and small enterprises: Will the pandemic put an end to their business? <https://www.microsave.net/2020/04/15/micro-and-small-enterprises-will-the-pandemic-put-an-end-to-their-business/>

3. Food security: How are agriculture and the corner shops faring amid India's lockdown? <https://www.microsave.net/2020/04/15/food-security-how-are-agriculture-and-the-corner-shops-faring-amid-indias-lockdown/>

4. CICO Agents: The under-valued "first responders" <https://www.microsave.net/2020/04/15/cico-agents-the-under-valued-first-responders/>

5. The role of DFS agents during the Covid-19 crisis <https://www.microsave.net/wp-content/uploads/2020/04/The-Role-of-DFS-Agents-during-the-Covid-19-crisis-MSC-and-Caribou-Data.pdf>

Please feel free to share with your colleagues, and do let us know if you have any thoughts. Stay safe!

Best regards

Graham

When Financial Inclusion is not inclusive – understanding gender <http://bit.ly/2G0cjYt> click here <http://bit.ly/2G0cjYt> http://bit.ly/2G0cjYt

For an overview of MSC and its work please click here <https://www.microsave.net/wp-content/uploads/2018/12/181211Corporate_brochure_MSC_web.pdf>

Graham A.N. Wright Group Managing Director | Profile <http://www.microsave.net/team/graham-a-n-wright/>

The Folly, Watledge Close, Tewkesbury, Gloucestershire, GL20 5RJ, UK |

Phone: +44 1684 273729 | Mobile: +44 796 307 7479 |

<http://www.microsave.org/> www.MicroSave.net | Skype: GrahamANWright | Twitter: @GrahamANWright

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Important: Please see MSC's updated <http://www.microsave.net/privacy> Privacy Policy that applies to this email.

From: MicrofinancePractice@yahoogroups.com [mailto:MicrofinancePractice@yahoogroups.com]
Sent: Sunday, April 19, 2020 11:27 AM
To: microfinancepractice@yahoogroups.com; MicrofinancePractice@yahoogroups.com
Subject: Re: [MFP] Panemic Portfolio at Risk Rates

Thanks Srini, I read awful things about the impact of 'corona' on poorer people in India, not of the disease itself (1 death and 60 cases in Odisha as of yesterday) but of the 'lock-down, and resulting homelessness, mass migration, and so on.

Maybe it's media exaggeration, and some at least of the families of 'our' children in Odisha (www.orissa.org.uk) who have been sent 'home' (whatever that is) by government order are receiving food from government and NGOs, but I look forward to learning how MFIs are helping, and can also themselves survive in the longer term.

Malcolm

On Sunday, 19 April 2020, 07:13:58 BST, shrin54@yahoo.co.in [MicrofinancePractice] <microfinancepractice@yahoogroups.com> wrote:

Dear friends,

Almost all lenders in India have offered moratorium on EMIs from mf borrowers. The central bank led this initiative with early guidelines soon after lockdown was announced. But there are other existential problems for both borrowers and MFIs. Since we are starting the discussions on MFP, I will write about them over the next few days.

Keep safe.

Best regards

Srinivasan

On 19 Apr 2020 01:13, "'Howard Brady' hbrady@mfiresources.org [MicrofinancePractice]" <MicrofinancePractice@yahoogroups.com> wrote:

Hi Colleagues,

Since we're all in this together, I hope many of you would be willing to share with your colleagues what portfolio at risk rates you're seeing as worldwide governments have shut down non-essential businesses which probably include many of our microentrepreneur clients/borrowers. Certainly you could share more, but perhaps what PAR was December 31, 2019 then at March 31, 2020. If you're shy, or perhaps not authorized to share this information with your institution attached to it, you could send me a private message (don't reply to this one, create a new one with my email, hbrady@mfiresources.org <mailto:hbrady@mfiresources.org> ) with your country (and city if you'd like) with the information that would be useful for the group and I'll keep you anonymous.

It's been a quite a long time since we've had a healthy exchange here, and now that we're in the pandemic time, I hope several of you will contribute.

Thanks,

-howard

[Non-text portions of this message have been removed]

__._,_.___
Posted by: "Graham" <graham@microsave.net>
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Re: [MFP] Panemic Portfolio at Risk Rates

 

Thanks Srini, I read awful things about the impact of 'corona' on poorer people in India, not of the disease itself (1 death and 60 cases in Odisha as of yesterday) but of the 'lock-down, and resulting homelessness, mass migration, and so on. 

Maybe it's media exaggeration, and some at least of the families of 'our' children in Odisha (www.orissa.org.uk) who have been sent 'home' (whatever that is) by government order are receiving food from government and NGOs, but I look forward to learning how MFIs are helping, and can also themselves survive in the longer term. 

Malcolm

On Sunday, 19 April 2020, 07:13:58 BST, shrin54@yahoo.co.in [MicrofinancePractice] <microfinancepractice@yahoogroups.com> wrote:


 

Dear friends,
Almost all lenders in India have offered moratorium on EMIs from mf borrowers. The central bank led this initiative  with early guidelines soon after lockdown was announced. But  there are other existential  problems  for both borrowers  and MFIs. Since we are starting the discussions  on MFP, I will write  about them over the next few days. 
Keep safe.
Best regards 
Srinivasan 

On 19 Apr 2020 01:13, "'Howard Brady' hbrady@mfiresources.org [MicrofinancePractice]" <MicrofinancePractice@yahoogroups.com> wrote:
 

Hi Colleagues,

 

Since we're all in this together, I hope many of you would be willing to share with your colleagues what portfolio at risk rates you're seeing as worldwide governments have shut down non-essential businesses which probably include many of our microentrepreneur clients/borrowers.  Certainly you could share more, but perhaps what PAR was December 31, 2019 then at March 31, 2020.  If you're shy, or perhaps not authorized to share this information with your institution attached to it, you could send me a private message (don't reply to this one, create a new one with my email, hbrady@mfiresources.org) with your country (and city if you'd like) with the information that would be useful for the group and I'll keep you anonymous.

 

It's been a quite a long time since we've had a healthy exchange here, and now that we're in the pandemic time, I hope several of you will contribute.

 

Thanks,

-howard


__._,_.___
Posted by: MALCOLM HARPER <malcolm.harper@btinternet.com>
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Saturday, April 18, 2020

Re: [MFP] Panemic Portfolio at Risk Rates

 

Dear friends,
Almost all lenders in India have offered moratorium on EMIs from mf borrowers. The central bank led this initiative  with early guidelines soon after lockdown was announced. But  there are other existential  problems  for both borrowers  and MFIs. Since we are starting the discussions  on MFP, I will write  about them over the next few days. 
Keep safe.
Best regards 
Srinivasan 

On 19 Apr 2020 01:13, "'Howard Brady' hbrady@mfiresources.org [MicrofinancePractice]" <MicrofinancePractice@yahoogroups.com> wrote:
 

Hi Colleagues,

 

Since we're all in this together, I hope many of you would be willing to share with your colleagues what portfolio at risk rates you're seeing as worldwide governments have shut down non-essential businesses which probably include many of our microentrepreneur clients/borrowers.  Certainly you could share more, but perhaps what PAR was December 31, 2019 then at March 31, 2020.  If you're shy, or perhaps not authorized to share this information with your institution attached to it, you could send me a private message (don't reply to this one, create a new one with my email, hbrady@mfiresources.org) with your country (and city if you'd like) with the information that would be useful for the group and I'll keep you anonymous.

 

It's been a quite a long time since we've had a healthy exchange here, and now that we're in the pandemic time, I hope several of you will contribute.

 

Thanks,

-howard


__._,_.___
Posted by: shrin54@yahoo.co.in
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[MFP] WASH Microfinance

 

Dear all Prominent Microfinance Practiotioners,

Our project called IUWASH PLUS (indonesia Urban Water, Sanitation and Hygiene Penyehatan Lingkungan Untuk Semua -- www.iuwashplus.or.id) has been focusing to promote safely managed septic tanks and access to piped water to urban poor in Indonesia since 2015. The project mainly works with Indonesia government (GOI) to utilize any government programs. 

We are now turning to use market based approach so that more stakeholders could participate in WASH program. This includes MFIs. However, obstacles have repeatedly occurred for WASH microfinance especially in collateral issuance, high interest rates, etc.  This has caused WASH micro loans for poor households stalled.  

I would be very happy if everyone in this groups could share any WASH microfinance programs you know or experience.  This could be our references to develop better programs here in Indonesia.

Appreciate it and many thanks in advance.

Best regards,

Rio Sandi
National Coordinator for Microfinance
IUWASH PLUS program
Jakarta, Indonesia

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Posted by: Rio Sandi <riosandi2003@yahoo.com>
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Re: [MFP] Beyond microfinance and savings groups, another approach to our work

 

@jeff
Thought u would find www.moneyfellows.com  to be of interest.
It is an Egyptian online Rosca.  
Best
Jami

On Sat, Apr 18, 2020 at 5:28 PM jaashe@aol.com [MicrofinancePractice] <MicrofinancePractice@yahoogroups.com> wrote:
 




Chuck,

Good to hear Microfinance Practice is still in operation. 

I've been working on on a different approach to add to what we do. Instead of making microloans, or even training savings groups according to a standardized model we would instead build on informal savings circles - tandas, susus, cucubales, dhikutis, etc. The number who are part of these groups dwarfs our efforts.

I was intrigued how these groups worked and contracted my grad students to profile ROSCAs in ten immigrant communities. This research is summarized in a report written by Kim Wilson and me,  https://mangotree.org/Resource/How-to-Achieve-the-American-Dream-on-an-Immigrants-Income

What we learned was that these groups were far more prevalent, sophisticated and varied than I thought and that they mobilize an astounding amount of money. These amounts range from thirty dollars per week (Latina room cleaners in Des Moines, Iowa) up to two thousand dollars per month (Bangladeshi convenience store owners in Boston.)  At the lower level payouts are used for paying the rent, food, fixing the car and medical expenses, At the higher levels they are the major source of capital for starting and growing businesses and buying houses. Whether they save  little or a lot they send part of their payouts to their relatives back home as remittances.. The quarter of a billion immigrants living in rich countries send home about a trillion dollars per year to millions of villages and towns back home.. In contrast, all the development assistance combined totals 175 billion with only a small part of this used for local development and much of even this amount used to cover the costs of the development intermediaries.  

We concluded that there is a vast invisible financial system thriving in immigrant communities across the developed world that has achieved all it has without any help from us or formal financial institutions. These savings circles provide usable amounts of capital (usually) without interest. The ROSCA systems they used are copies of the ROSCAS they used in their home villages. We learned that the same village traditions of hard work, frugality, disciplined savings, mutual accountability and support that enable villagers to survive enable immigrants to thrive. We heard time and again that when immigrants settle in what was once a declining neighborhood, within a decade or so businesses are thriving, houses are being fixed up as school attendance increases and crime decreases.

So what does this mean for us? ROSCAS in immigrants communities and in villages across the world vary greatly in their quality and inclusiveness. We propose a simple, low cost way for improving the effectiveness of these informal financial systems. We will meet with the leaders of these groups both in villages and in immigrant communities and ask for their solutions to three issues
  1. How to spread the best ways of organizing and managing these groups.
  2. How they could reach out to the poorest and youth and help them organize their own groups serving as their mentors
  3. How they could set up local organizations to better channel remittances so that at least some of these resources could be directed to adding to the amount saved in local savings circles and be invested in local businesses and farms, improving community infrastructure and helping the destitute. (In our interviews we found that at least some immigrants are already doing this on their own.)
We are proposing identifying and networking the best of those organizing these groups and provide them with a small stipend ("Genius Award") so that they have time to carry out the three point plan sketched out above. They frequently meet virtually and face to face  with others selected as "community geniuses" to learn from and encourage each other. The job of us outsider would be to listen and help structure the meetings, synthesize what was being learned, replicate the model in other areas and countries and report to donors.  

I calculate that in a poor country like Mali a stipend of twenty dollars per month, delivered predictably through their cell phones would be sufficient. In other countries the monthly stipend could range up to fifty dollars per month. Each would support activities in their own villages and a cluster of nearby villages. 

Your thoughts? Want to try this out?

Contact me at jeffaashe@gmail.com,

Jeff   


-----Original Message-----
From: Chuck Waterfield chuck.waterfield@gmail.com [MicrofinancePractice] <MicrofinancePractice@yahoogroups.com>
To: MicrofinancePractice@yahoogroups.com
Sent: Sat, Apr 18, 2020 10:42 am
Subject: Re: [MFP] Instant loan offer

 
This person just subscribed to MFP today.  His first (and only) message is to push money.  He has now been banned, because that is not at all what MFP is for.  His membership lasted about 1 hour.

Chuck Waterfield
MFP Founder
On Apr 18, 2020, 9:42 AM -0400, Dr Bullock Jones drbullock.jones@yahoo.com [MicrofinancePractice] <MicrofinancePractice@yahoogroups.com>, wrote:
Currency Capital offers non-recourse loan for trade finance, constructions, credit enhancement, government funding, property investment and all-round range of funding,  with 2-5% interest rate per annul depending on the loan amount and duration for a period of 1-25 years +  1 year grace period with no pre-payment penalties.

Let me know if you are interested to provide you with more information, by contacting our email address: currencycapital@financier.com or currencycapitalllc@outlook.com

Fred Powell

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Posted by: Jami Solli <jamisolli@gmail.com>
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No comments:

[MFP] Beyond microfinance and savings groups, another approach to our work

 




Chuck,

Good to hear Microfinance Practice is still in operation. 

I've been working on on a different approach to add to what we do. Instead of making microloans, or even training savings groups according to a standardized model we would instead build on informal savings circles - tandas, susus, cucubales, dhikutis, etc. The number who are part of these groups dwarfs our efforts.

I was intrigued how these groups worked and contracted my grad students to profile ROSCAs in ten immigrant communities. This research is summarized in a report written by Kim Wilson and me,  https://mangotree.org/Resource/How-to-Achieve-the-American-Dream-on-an-Immigrants-Income

What we learned was that these groups were far more prevalent, sophisticated and varied than I thought and that they mobilize an astounding amount of money. These amounts range from thirty dollars per week (Latina room cleaners in Des Moines, Iowa) up to two thousand dollars per month (Bangladeshi convenience store owners in Boston.)  At the lower level payouts are used for paying the rent, food, fixing the car and medical expenses, At the higher levels they are the major source of capital for starting and growing businesses and buying houses. Whether they save  little or a lot they send part of their payouts to their relatives back home as remittances. The quarter of a billion immigrants living in rich countries send home about a trillion dollars per year to millions of villages and towns back home. In contrast, all the development assistance combined totals 175 billion with only a small part of this used for local development and much of even this amount used to cover the costs of the development intermediaries.  

We concluded that there is a vast invisible financial system thriving in immigrant communities across the developed world that has achieved all it has without any help from us or formal financial institutions. These savings circles provide usable amounts of capital (usually) without interest. The ROSCA systems they used are copies of the ROSCAS they used in their home villages. We learned that the same village traditions of hard work, frugality, disciplined savings, mutual accountability and support that enable villagers to survive enable immigrants to thrive. We heard time and again that when immigrants settle in what was once a declining neighborhood, within a decade or so businesses are thriving, houses are being fixed up as school attendance increases and crime decreases.

So what does this mean for us? ROSCAS in immigrants communities and in villages across the world vary greatly in their quality and inclusiveness. We propose a simple, low cost way for improving the effectiveness of these informal financial systems. We will meet with the leaders of these groups both in villages and in immigrant communities and ask for their solutions to three issues
  1. How to spread the best ways of organizing and managing these groups.
  2. How they could reach out to the poorest and youth and help them organize their own groups serving as their mentors
  3. How they could set up local organizations to better channel remittances so that at least some of these resources could be directed to adding to the amount saved in local savings circles and be invested in local businesses and farms, improving community infrastructure and helping the destitute. (In our interviews we found that at least some immigrants are already doing this on their own.)
We are proposing identifying and networking the best of those organizing these groups and provide them with a small stipend ("Genius Award") so that they have time to carry out the three point plan sketched out above. They frequently meet virtually and face to face  with others selected as "community geniuses" to learn from and encourage each other. The job of us outsider would be to listen and help structure the meetings, synthesize what was being learned, replicate the model in other areas and countries and report to donors.  

I calculate that in a poor country like Mali a stipend of twenty dollars per month, delivered predictably through their cell phones would be sufficient. In other countries the monthly stipend could range up to fifty dollars per month. Each would support activities in their own villages and a cluster of nearby villages. 

Your thoughts? Want to try this out?

Contact me at jeffaashe@gmail.com,

Jeff   


-----Original Message-----
From: Chuck Waterfield chuck.waterfield@gmail.com [MicrofinancePractice] <MicrofinancePractice@yahoogroups.com>
To: MicrofinancePractice@yahoogroups.com
Sent: Sat, Apr 18, 2020 10:42 am
Subject: Re: [MFP] Instant loan offer

 
This person just subscribed to MFP today.  His first (and only) message is to push money.  He has now been banned, because that is not at all what MFP is for.  His membership lasted about 1 hour.

Chuck Waterfield
MFP Founder
On Apr 18, 2020, 9:42 AM -0400, Dr Bullock Jones drbullock.jones@yahoo.com [MicrofinancePractice] <MicrofinancePractice@yahoogroups.com>, wrote:
Currency Capital offers non-recourse loan for trade finance, constructions, credit enhancement, government funding, property investment and all-round range of funding,  with 2-5% interest rate per annul depending on the loan amount and duration for a period of 1-25 years +  1 year grace period with no pre-payment penalties.

Let me know if you are interested to provide you with more information, by contacting our email address: currencycapital@financier.com or currencycapitalllc@outlook.com

Fred Powell

__._,_.___
Posted by: jaashe@aol.com
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.

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[MFP] Panemic Portfolio at Risk Rates

 

Hi Colleagues,

 

Since we’re all in this together, I hope many of you would be willing to share with your colleagues what portfolio at risk rates you’re seeing as worldwide governments have shut down non-essential businesses which probably include many of our microentrepreneur clients/borrowers.  Certainly you could share more, but perhaps what PAR was December 31, 2019 then at March 31, 2020.  If you’re shy, or perhaps not authorized to share this information with your institution attached to it, you could send me a private message (don’t reply to this one, create a new one with my email, hbrady@mfiresources.org) with your country (and city if you’d like) with the information that would be useful for the group and I’ll keep you anonymous.

 

It’s been a quite a long time since we’ve had a healthy exchange here, and now that we’re in the pandemic time, I hope several of you will contribute.

 

Thanks,

-howard

__._,_.___
Posted by: "Howard Brady" <hbrady@mfiresources.org>
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Re: [MFP] Instant loan offer

 

Well done Chuck.

Good to hear from you after a long time. 
Best regards
srinivasan

On 18-Apr-2020, at 8:12 PM, Chuck Waterfield chuck.waterfield@gmail.com [MicrofinancePractice] <MicrofinancePractice@yahoogroups.com> wrote:


This person just subscribed to MFP today.  His first (and only) message is to push money.  He has now been banned, because that is not at all what MFP is for.  His membership lasted about 1 hour.

Chuck Waterfield
MFP Founder
On Apr 18, 2020, 9:42 AM -0400, Dr Bullock Jones drbullock.jones@yahoo.com [MicrofinancePractice] <MicrofinancePractice@yahoogroups.com>, wrote:

Currency Capital offers non-recourse loan for trade finance, constructions, credit enhancement, government funding, property investment and all-round range of funding,  with 2-5% interest rate per annul depending on the loan amount and duration for a period of 1-25 years +  1 year grace period with no pre-payment penalties.

Let me know if you are interested to provide you with more information, by contacting our email address: currencycapital@financier.com or currencycapitalllc@outlook.com

Fred Powell




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Posted by: "N. Srinivasan" <shrin54@yahoo.co.in>
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