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Microfinancing Solar Power

The bright future of small loans Every few weeks, the women of Huoi Pung-a small village in the mountains of northern Vietnam-bundle and haul spent car batteries four hours down the mountain to the nearest town. There they line up and wait for a diesel generator, charge the batteries, and turn to start..

The bright future of small loans

Every few weeks, the women of Huoi Pung-a small village in the mountains of northern Vietnam-bundle and haul spent car batteries four hours down the mountain to the nearest town. There they line up and wait for a diesel generator, charge the batteries, and turn to start the slow climb back home. The process takes a whole day, and the juice costs a couple more days' earnings.This practice is far from unique. All around the world, in rural villages and towns not reached by the grid, bringing even a little bit of electricity into the home is a struggle, if it's possible at all. From Vietnam to Benin to Honduras, poor ruralites take what power they can get, or-as oil prices rise-as much as they can afford.Any discussion of energy's role in sustainable development dances around something of a Catch-22. How can we provide electricity to the those who don't have it without accelerating and amplifying climate change, which-unfair but true-poses a much greater and more immediate threat to the world's poor than it does to all of us who already take reading lamps and refrigerators and charged cell phones for granted?Considering that there are about two billion people worldwide who live without access to electricity, we're looking at a heavy lift. We're nearly a decade into the 21st Century and almost a third of humanity is still studying, cooking, and working by the dim flicker of kerosene lamps, or improvising micro-energy systems like battery brigades of Huoi Pung.We've got to figure out how to get these two billion people more reliable energy, and-for everyone's sake-it better be from clean, carbon-free sources.R.K. Pachauri thinks a lot about climate change and energizing the world's poor. He's the Director General of the Energy and Resources Institute in New Delhi and Chairman of the UN's Intergovernmental Panel on Climate Change (IPCC). Last year, along with Al Gore, the IPCC was awarded the Nobel Peace Prize for researching, exposing, and educating the public of the severity of the climate crisis. In an interview this March Pachauri offered: "The poor are unable to adapt to the impacts of climate change because often they do not have the technical or financial capacity to be able to take essential measures... It is critical that the world realizes the importance of help for such vulnerable sections of society in adapting to climate change. Given that technology is a crucial part of solutions to the problem of global climate change, access to improved technologies must be an important part of the agreement."One such technology that's chock-full of promise is photovoltaic (PV) solar. Rooftop solar (distributed, modular, scalable, stand-alone systems) makes almost too much sense for these typically rural communities that aren't connected to any grid, don't demand too many Watts, and more often than not get plenty of sunshine.Access then, as Pachauri notes, is the challenge, particularly as the upfront costs of PV solar are formidable. A 50-Watt system--enough to power three or four lights, a radio and a couple of appliances in the home-runs about $400, which might not sound like a lot, but for a family living off of $1-2-a-day, it's prohibitive.Coincidentally enough, we don't have to look much further than the project that secured Alfred Nobel's prize the year before the IPCC and Gore to find a wonderfully synergistic solution to this cost/access problem. In 2006, microfinance took the world's stage when the Grameen Bank and founder Muhammad Yunus were recognized for spreading small loans to the world's poor. These same small loans could put a 50-Watt PV system on a roof in Huoi Pung.


"Energy is a human right." It's a mantra that Bob Freling, founder of the Solar Electric Light Fund (SELF) repeats daily. His organization was an early pioneer in pairing solar power and microfinance. Through a series of pilot projects, SELF proved that poor, rural families are willing and-most importantly-able to pay for home solar…if they have access to credit. Freling explains in his blog that their financing mechanisms "enable families to purchase solar home systems over time, typically three to four years, paying only slightly more than what they previously spent on kerosene, candles, and dry-cell batteries."Reliable energy at a set cost is-any lender will tell you-a pretty safe investment. SELCO-India, a World Bank funded microfinance-solar pilot project in rural South India, has achieved a 100% cost recovery rate. SELF's projects, scattered about in the (once) darker corners of countries like Sri Lanka and Nigeria, Brazil and Indonesia, rarely have loan default rates of over 1-2%. (Ask Bank of America or Citi what they'd do for that sort of return.)A few hundred miles south of Huoi Pung in the Mekong Delta, SELF has brought light to the homes of over 1,500 people and, as Freling explains "indirectly benefitted hundreds more through solar systems in village community centers and village markets." SELF generally works with local organizations to navigate any cultural divides. Here in the Mekong, it's the Vietnam Women's Union who help to recruit and train 25 technicians-to ensure constant maintenance-and 20 other liaisons to educate the villagers on microcredit, "sell" the systems using small loans, and collect the payments to the revolving credit fund. The VWU is well-established throughout the country. If Freling's vision is fully recognized, nobody will be lugging old car batteries to charge off fossil fuels anymore.OTHER ORGANIZATIONS WORTH CHECKING OUT:Chi Em, a microfinance org serving Huoi Pung and other ethnic minority villages in Northern Vietnam.SunPower Afrique is bringing sustainable energy to microfinance organizations in Togo.Grameen Shakti is a solar power pioneer in Bangladesh, affiliated with Grameen Bank.WATCH:A short documentary on SELF's work in Nigeria.Images from www.bobfreling.com
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This article was produced in partnership with the United Nations to launch the biggest-ever global conversation on the role of cooperation in building the future we want.

When half of the world's population doesn't share the same opportunity or rights as the other half, the whole world suffers. Like a bird whose wings require equal strength to fly, humanity will never soar to its full potential until we achieve gender equality.

That's why the United Nations made one of its Sustainable Development Goals to "Achieve gender equality and empower all women and girls." That goal includes providing women and girls equal access to education and health care, as well as addressing gender-based discrimination and violence against women and girls.

While there is still much work to be done, history shows us that we are capable of making big leaps forward on this issue. Check out some of the milestones humanity has already reached on the path to true equality.

Historic Leaps Toward Gender Equality

1848 The Seneca Falls Convention in New York, organized by Elizabeth Lady Stanton and Lucretia Mott, is the first U.S. women's convention to discuss the oppression of women in sociopolitical, economic, and religious life.

1893 New Zealand becomes the first self-governing nation to grant national voting rights to women.

1903 Marie Curie becomes the first woman to win a Nobel Prize. She is also the only woman to win multiple Nobel Prizes, for Physics in 1903 and Chemistry in 1911.

1920 The 19th Amendment is passed in the U.S. giving women the right to vote in all 50 U.S. states.

1973 The U.S. Open becomes the first major sports tournament of its kind to offer equal pay to women, after tennis star Billie Jean King threatened to boycott.

1975 The first World Conference on Women is held in Mexico, where a 10-year World Plan of Action for the Advancement of Women is formed. The first International Women's Day is commemorated by the UN in the same year.

1979 The UN General Assembly adopts the Convention on the Elimination of All Forms of Discrimination against Women (CEDAW), also known as the "Women's Bill of Rights." It is the most comprehensive international document protecting the rights of women, and the second most ratified UN human rights treaty after the Convention on the Rights of the Child.

1980 Vigdis Finnbogadottir of Iceland becomes the first woman to be elected head of state in a national election.

1993 The UN General Assembly adopts the Declaration on the Elimination of Violence against Women, the first international instrument to explicitly define forms of violence against women and lay out a framework for global action.

2010 The UN General Assembly creates the United Nations Entity for Gender Equality and the Empowerment of Women (UN Women) to speed progress on meeting the needs of women and girls around the world.

2018 The UN and European Union join forces on the Spotlight Initiative, a global, multi-year initiative focused on eliminating all forms of violence against women and girls.

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As the UN celebrates its 75th anniversary, it is redoubling its commitment to reach all 17 Sustainable Development Goals, including gender equality. But it will take action and effort from everyone to ensure that women and girls are free from discrimination and violence. Learn more about what is being done to address gender equality and see how you can get involved here.

And join the global conversation about the role of international cooperation in building the future by taking the UN75 survey here.

Let's make sure we all have a say in the future we want to see.

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John Perez was acquitted on Friday, February 21, for charges stemming from an altercation with Allentown, Pennsylvania police that was caught on video.

Footage from September 2018 shows an officer pushing Perez to the ground. After Perez got to his feet, multiple officers kicked and punched him in an attempt to get him back on the ground.

Perez claims he was responding to insults hurled at him by the officers. The police say that Perez was picking a fight. The altercation left Perez with a broken nose, scrapes, swelling, and bruises from his hips to his shoulder.

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According to Investopedia, skrinkflation is "is the practice of reducing the size of a product while maintaining its sticker price. Raising the price per given amount is a strategy employed by companies, mainly in the food and beverage industries, to stealthily boost profit margins."

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