Laurie

Country

United States

About

Lender since 23 January 2015.

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26 March 2015 through 16 November 2018:
Served as a Country Liaison & Team Lead for the Payment Teams for Burkina Faso, Guinea, Niger, and Senegal (except for sometimes when an intern would spend six to twelve weeks as an acting Team Lead for one or more of those countries, so that they could gain that real-world work experience), and more recently served as a Country Liaison & Team Lead for the Payment Team for Zambia (after Zidisha stopped serving borrowers in the four Francophone countries mentioned above).

Some time ago, the Director found that the money-transfer partners (Ecobank branches) for Burkina Faso, Guinea, Niger, and Senegal weren't viable for Zidisha, any longer. Despite trying for a long time, she hasn't been able to find a replacement money-transfer partner in those countries, compatible with Zidisha's newer requirements. Therefore, Zidisha unfortunately isn't offering loans to anyone in those four Francophone countries, anymore.

See: goyimei.info/loan/market... [discussion#comment-663213] and: goyimei.info/forum-threa... [forum-thread/6069#comment-16498]

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2019: Following the increased automation on the platform, there no longer are any teams of Country Liaisons (CLs) on Zidisha's Staff (and, of course, there no longer are any CL Team Leads, either). If you still see those Zidisha titles posted for anyone anywhere, that just means those individuals have not yet updated their profiles.

We former Team Leads (and Country Liaisons) (and Accountants) (and Entrepreneurs' Story Writers) have the ability to choose whether or not to post a photograph on the "Alumni" page, at any time.

I used to post a photo, when Zidisha was charging borrowers only a one-time Membership Registration Fee (which was small for borrowers in most of the countries Zidisha was serving at that time) and a per-loan 5% Service Fee. It's my understanding that fees have been increasing in number and amount in order to have a pool of "insurance" funds to reimburse lenders for defaults (since, unfortunately, there's been an increase in borrower defaults over the past couple of years, especially). Now, with the exception of the 5% Service Fee (which is used for the platform's technical and administrative costs), all other fees are set aside in a reserve fund which is used to reimburse lenders for defaults to help ensure that there would be money available to recycle into more borrower projects than otherwise would be possible. (Note, though, that even though a lot is collected, not enough actually is collected to reimburse lenders fully for all defaults. Therefore, it's still very important for borrowers *not* to default. Please read the next section, too.)

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To any borrowers who may be reading:

The best chances for fees to be reduced in number and amount in the future is for all borrowers to make sure always to remit their installments on time. If need be, it's fine to lower the installment amount and to pay the lowest installment amount allowed. (Defaulting, though, hurts all borrowers by causing much higher fees, platform-wide.)

The Staff is working on finding other ways to help reduce fees again in the future, too, and I hope they will be successful in that endeavor. However, even if large donations are received from wealthy benefactors (and/or from other sources), if defaulting occurs at too high a rate, then even quite a lot of that money disappears, eventually (as has happened in the past).

Therefore, the most important way for fees, in general, to be able to be lowered in number and amount (and for those to remain lower, in general), is for each borrower to honor the financial obligation made when he or she clicks to confirm acceptance of the terms of the loan. (Borrowers always have the option to cancel the loan instead of clicking to confirm acceptance of the terms.)

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After the increased automation mentioned above (which occurred in early 2019), there now are only two (2) Staff members on the Zidisha Team (goyimei.info/team).

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Borrowers, please also be aware:

Lenders cannot help you with anything technical or administrative. Therefore, your borrower-lender Discussion page isn't the correct place to try to reach the Staff: goyimei.info/team (Julia Kurnia, Founder & Director; and Rodrigo Reyes, CTO).

To reach the Staff, please click on the HELP link in your account.

From the drop-down list of subject options, look for one with a text-box available to type a private message to the Staff (that creates a support ticket). Then, after about three (3) business days, check the HELP section of your account again for a reply.

You usually can expect a reply from the Staff when you send in a support ticket.

However, please don't expect a reply from Staff on your borrower-lender Discussion page, or in the Forum, as that usually doesn't happen. That said, I've noticed recently that the Director has been replying more often in the Forum now. :)

For disbursement or payment-posting questions, though, you always should privately send a support ticket with the details. You never should post any sensitive information in the public Forum or on the public borrower-lender Discussion pages; the Staff doesn't have time to remove account numbers, phone numbers, email addresses, Id. Number, images of National Id. Card, etc., from public pages, so borrowers only ever should send that information to the Staff privately on a support ticket.

Borrower-lender Discussion pages have been intended for borrowers to update lenders about their projects and their lives in general, and for lenders to do the same if they wish to share. Those pages also typically have been used for mentor communications to the borrower, and to update lenders about phone conversations with the borrower, etc.

The Forum has been intended for Zidisha members to help one another, based on the information publicly available in the "Announcements" section, posted by the Director (goyimei.info/forums/4), and in the FAQs (goyimei.info/faq).

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ELEVEN (11) OF MY FAVORITE QUOTES:

1.) "Live simply so that others may simply live."
-Mahatma Gandhi

2.) "If you can't feed a hundred people, then feed just one."
-Mother Teresa

3.) "You cannot do a kindness too soon, for you never know how soon it will be too late."
-Ralph Waldo Emerson

4.) "They may see your warm and caring nature as a weakness. Continue to be warm and caring. For, you see, in the end, it is between you and God. It never was between you and them, anyway."
-Unknown

5.) "We are not human beings having a spiritual experience. We are spiritual beings having a human experience."
-Pierre Teilhard de Chardin

6.) "Together we can change the world... one random act of kindness at a time."
- Ron Hall

7.) "When the power of love overcomes the love of power, the world will know peace."
-Jimi Hendrix

8.) "Problems cannot be solved at the same level of awareness that created them."
-Albert Einstein

9.) "Humanity is going to require a substantially new way of thinking if it is to survive."
-Albert Einstein

10.) "Nothing will benefit human health and increase the chances for survival of life on Earth as much as...a vegetarian diet."
-Albert Einstein

11.) "All truth goes through three stages. First, it is ridiculed. Then, it is violently opposed. Finally, it is accepted as self-evident."
-Arthur Schopenhauer

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I support organizations which provide education to women and men about the importance of reducing human pregnancies and births worldwide, including (but not limited to) those which provide no-cost or low-cost, high-quality (effective!) contraception. (Population Connection: www.populationconnection.or... is an example of one such organization I support.) I prefer to help Zidisha members who similarly are trying to help reduce human numbers on Planet Earth, in a humane way.

We are far too many, we have known this for at least the past forty-plus years, and the most humane way to solve the problem is by preventing human pregnancies in the first place.

Worldwide, about 40% of pregnancies are unintended; it's an EVEN HIGHER percentage in some countries: www.guttmacher.org/news-rel... [news-release/2014/new-study-finds...]. Although more human pregnancies than that probably would need to be prevented for ecological health and survival of species, even if just that many human pregnancies could be prevented annually, that still would help us all enormously.

Bringing fewer humans into the world has THE most beneficial impact for improving the environment and the quality of life on the planet for all (in multiple ways) and, ironically, it's *essential* for us to do that in order to save our species.

All other efforts--(although very important, too)--are significantly less helpful: phys.org/news/2017-07-effec... [2017-07-effective-individual-tackle-climate-discussed.html]; also see: www.thoughtco.com/important... [important-things-to-do-for-the-environment-1203550]

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I also prefer to support Zidisha members who provide or use solar-powered devices and other forms of energy which rely much less on fossil fuels, as well as members who are engaged in small-scale organic farming, growing only NON-GMO vegetables, legumes, nuts, herbs, spices, berries, citrus and other fruits, gluten-free grains, etc. (i.e., which are *not* engaged in growing gluten-containing grains, or in raising any water-based or land-based animals to take their eggs; to perpetuate their lactation; or to kill them for their fins, tusks, horns, fur, hide, meat, or anything else).

I follow a dietary lifestyle of mostly whole, organically grown, no-sugar-added,
alcohol-free, gluten-free, extracted-oil-free, vegan foods (99% of the time).

And, no, it's not taste-free or fun-free, lol. ;-)

I eat leafy greens and a multitude of other vegetables, legumes, nuts, seeds, herbs, spices, berries and other fruits, and gluten-free grains. I drink mostly just water and herbal teas.

The palate changes after only about two months, and then these are the foods that are preferred, 99% of the time (and, actually, 100% of the time, for very long stretches). :-)

Science and personal experience prove this dietary lifestyle is best for the human body.

"Mostly whole" means little to no processed foods. Even most vegan processed foods are not good for the body. I avoid the usual junk in processed foods, but I also avoid all "protein isolates"... even ones derived from plants. (You can read from plant-based dietary lifestyle experts: Neal Barnard, M.D., and T. Colin Campbell, Ph.D., and Caldwell B. Esselstyn, Jr., M.D., and Michael Greger, M.D., and others, to learn why isolating proteins away from their source... i.e., processing them... is *not* good for your health.)

Truly, if every *human being* were to adopt a whole, Non-GMO, organically grown, plant-based dietary lifestyle, I have no doubt that not only the health of our species would improve, but all animal life in general on our planet would benefit significantly.

Please review Albert Einstein's & Arthur Schopenhauer's quotes, above.

Also see: goyimei.info/loan/gilgal... [discussion#comment-660741]

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The majority of the 7+ billion human beings currently on Planet Earth tend to think: "What I do or don't do as an individual won't make a difference in the world..."
Imagine, though, if every human being were to believe the opposite of that,
which happens to be the truth...

For example: "It's only one straw" ...said *billions* of people...
www.globalcitizen.org/en/co...
[content/plastic-straw-use-bad-for-environment-oceans/]

(Of course, think about more than just straws...)

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Human overpopulation is THE root cause of most of the problems on the planet,
along with over-consumption.

At the following link, you can see a J-curve chart of the exponential growth of the human population from the year A.D. 1 to 2013:

sites.psu.edu/colecivic/201... [an-exponentially-growing-concern-overpopulation/]

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I don't judge people who have had more than two kids in their lifetime.

Most people who have done so *didn't know* that
human overpopulation & over-consumption are THE root causes
of most of the environmental and other major problems on the planet.

My intention is to increase awareness.

And, no, once we know better, it's *not* okay to have more than two kids in a lifetime, just because someone else chose to have only one or none. This is because we actually need for more human beings on the planet to choose to have *no kids* at all, because even though the growth rate of the global human population has slowed somewhat in recent years, it has not yet slowed to a rate for good sustainability of life on this planet.

My intention also is to try to effect positive change.

We humans already have wiped out much of other life on Earth... and we're currently in the sixth mass extinction, this one brought about by us: www.theguardian.com/environ... [earths-sixth-mass-extinction-event-already-underway-scientists-warn] and www.theguardian.com/environ... [humans-creating-sixth-great-extinction-of-animal-species-say-scientists]. The extinction could include our species, too, if we don't significantly change our ways... (including, but not limited to, how many more humans we bring into this world).

We knew this at least forty or fifty years ago, and yet most human beings haven't paid attention: cleantechnica.com/2017/11/1... [concerned-scientists] Even though this warns that we're probably already past the point of no return, that doesn't mean we should throw up our hands and not change anything. Think about it. We are *billions* of human beings on this planet... together, we still *can* do things to improve the quality of life on Earth...

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Don't have kids (or any more kids); become vegan (or 99% vegan); support small-scale organic farmers, purchase locally grown organic food, grow an organic garden; walk or ride a bike or a trike; drive a small vehicle (preferably hybrid or electric) or use a public bus or train (preferably powered by non-fossil-fuel, clean and renewable energy); avoid flying (use online meeting options instead); work from home or at a job very close to your home; live in a small house and do anything you can to reduce the carbon footprint of your home (have solar panels, use an on-demand tankless water heater, improve the home's insulation, install an attic fan to help remove heat and to reduce the load on your a/c unit, install ceiling fans in every room also to reduce the load on your a/c unit, use L.E.D. light-bulbs, etc.), support wind power, use solar-powered devices, recycle/re-use everything you can, choose biodegradable plant-based plastics (not petroleum-based plastics), use natural cleaning products (baking soda, vinegar, etc.), etc., etc.

Don't just do things the way they've "always" been done. Instead,
THINK and make better choices for the greater good, *every day*.

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This is a really important video about exponential population growth;
I wish everyone on the planet could view it:
www.youtube.com/watch?v=sI1... [watch?v=sI1C9DyIi_8]
It's well worth the time to watch this, in its entirety.*

*It's a shame that many of the students in the classroom that day
apparently didn't recognize their professor's brilliance, nor did they
seem to realize how lucky they were to be his students!

Please don't make the same mistake of not paying attention to and valuing
the extremely important information Dr. Bartlett has presented to us.

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Please also don't let the fact that Professor Bartlett was a Physics professor
deter you at all, because I assure you that you CAN very easily understand
what he teaches us in this video. :-)

The particular video linked above was posted by someone in 2015,
two years after Professor Albert Bartlett, Ph.D., passed away: en.wikipedia.org/wiki/Alber... [wiki/Albert_Allen_Bartlett]
It replaced an earlier post of it, which had had over 2 million views. I'd like to
see it viewed and understood and acted upon in a positive way by billions of people, most especially by governmental policymakers... (but, really, also by everyone).

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Dr. Bartlett said: "The greatest shortcoming of the human race is our inability to understand the exponential function." I slightly disagree with his wording; instead,
I would say: "The greatest shortcoming of the human race is our lack of awareness
of the exponential function (or our lack of attention paid to the implications of it)."
That's probably what he meant, not that most people literally can't understand it.
It's not difficult for just about anyone to understand if it, if they're aware of it.

Even those who already are aware of it tend to forget about it... because, to our detriment, it is not a topic that the media or even most teachers or professors talk about much (if at all) due to its "political incorrectness".

However, I think it's critically important for all of us to educate ourselves about it,
and to make a conscious effort to remind ourselves about it on a regular basis,
as it quite literally affects all of us, for better or for worse, depending on what we
do (and don't do), individually and collectively, each and every day, going forward.

In fact, decades ago, we all should have started to pay better attention and to make better choices for the environment and for chances of survival of species.

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As mentioned above, bringing fewer humans into the world (and, hence, reducing consumption in the most significant way possible) has THE most beneficial impact for improving the environment and the quality of life on the planet for all (in multiple ways) and, ironically, even for saving our own species.

All other efforts--(although very important, too!)--are significantly less helpful: phys.org/news/2017-07-effec... [2017-07-effective-individual-tackle-climate-discussed.html] ; also see: www.thoughtco.com/important...
[important-things-to-do-for-the-environment-1203550]

Human overpopulation is THE root cause of most of the problems on the planet,
along with over-consumption.

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Here's an interactive tutorial which explains exponential population growth,
even more clearly, using bacteria in a beaker (or beakers) as an example: www.worldpopulationbalance.... [worldpopulationbalance.org/exponential-growth-tutorial/bacteria-exponential-growth.html]

Be sure to keep going all the way to the end of the tutorial. It doesn't take very long,
it's simple for just about anyone to understand, and I'm very sure that most of you
will find it quite eye-opening!

Remember, too, that human births are far outpacing human deaths each year
on Planet Earth. Check this out: countrymeters.info/en/World

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And this shows projected human-population growth rates: countrymeters.info/en/World... [/World#population_forecast]

Keep in mind "The Rule of 70" that Professor Bartlett has taught us about exponential growth rates: www.worldpopulationbalance.... [.org/exponential-growth-tutorial/
rule-of-70.html]

And this shows human-population numbers from the year 1 A.D., through the present, and projected through 2083, so through approximately just one more human lifetime
of about 70+ years from 2010: www.thoughtco.com/current-w...
[current-world-population-1435270]

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This is encouraging! :-)
goyimei.info/loan/busine...
[business-expansion-1842/discussion#comment-669508]**
**(I mean, the comment above mine... I don't know the URL for that, though.)

Also see: news.nationalgeographic.com...
[2017/05/climate-change-global-warming-drawdown-hawken/]

I especially like this excerpt: "...'Why bother' means game over. I actually see it as game on. It's a different point of view. Climate change is feedback, and any system that doesn't incorporate feedback is stupid and fails and dies. Here, we have feedback, and the feedback it's giving us is a pathway to a much better world than the one we live in now..."

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More: goyimei.info/loan/busine...
[business-expansion-1842/discussion#comment-comment-670527]

Debunking the *myth* that population increase has to continue for economic reasons; actually, it's quite the opposite...

See: www.conversationearth.org/e... [economic-heresy/]

"The economy is a sub-system of a larger system. The larger system being the biosphere, the environment. The biosphere is finite, non-growing, materially closed... It’s politically ['impossible'] to control growth, and it’s bio-physically impossible to keep on growing... Do [we] try to do what’s physically impossible, or do [we] try to do what’s politically ['impossible']? I’d rather take my chances with the politically ['impossible']..."
-Herman Daly (en.wikipedia.org/wiki/Herma...)

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Also see: www.growthbusters.org/popul... [population-growth/#]

"The more people there are, the smaller our economies must be and the simpler our lifestyles. The bigger our economies and lifestyles, the smaller our population must be."

"The science is clear that the current combination of world population and levels of consumption are unsustainable. We are in the process of liquidating the planet’s resources and injuring the capacity of life-sustaining ecosystems. It’s safe to say the world is overpopulated..."

"World population [was 3 billion in 1960]... and reached 7 billion in 2011...
estimates have world population reaching 11 billion... this century..."

"...the Earth can sustainably support... from under 1 billion to 5 billion... depends on how simply we live... [meaning] willing to curb consumption... [and the most important part of that means willing to limit the creation of too many more consumers; in other words, choosing either to have no kids, or only one or two kids at the most]..."

"The good news is that overpopulation is solvable. We can, and must, voluntarily and dramatically reduce births so that total numbers [get] back down to a truly sustainable level... instead of rising to 11 billion [this century], a one-child average would reduce total population to below 3 billion – cutting our total human consumption by more than half from its current levels."

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So, if many more people choose to bring no children into the world, and others choose to bring only two or just one into the world, then we can achieve good sustainability on this planet... as there was when I was born, slightly less than sixty years ago. (I can tell you what it was like in the 1960s and 1970s, and it most definitely was a whole lot *better* on this planet then, than it is now, in quite a lot of ways.)

www.greenpeace.org/archive-... ("Why De-Growth")
[archive-international/en/news/Blogs/makingwaves/deep-green-why-de-growth-an-interview/blog/35467/]

"...growth [requires] increased [use of] energy and materials... For example, some people once claimed that computers would 'save paper' but this did not happen. Human society today uses six times[!] more paper than we did in 1960."

Why do you think that is? It's in part because we already, IN ONLY LESS THAN 60 YEARS, now have *MORE THAN TWICE* THE NUMBER OF HUMAN BEINGS ON THE PLANET THAN WE HAD IN 1960... 3 billion to 7+ billion!!

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Contrast that with the fact that it took *THOUSANDS OF YEARS*
for the human population to reach just 1 billion (around 1805)...

- and then it took us only slightly more than a hundred *(100+) years*
to go from 1 billion to 2 billion (around 1925)...

- and then it took us only about *30 years*
to go from 2 billion to 3 billion (around 1960)...

- and then it took us only about *15 years*
to go from 3 billion to 4 billion (around 1975)...

- and then it took us only about *12 years*
to go from 4 billion to 5 billion (around 1987)...

- and then, even though some slowdown occurred,
it still took us only about another *12 years*
to go from 5 billion to 6 billion (around 1999)...

- and then it still took us only about another *12 years*
to go from 6 billion to 7 billion (around 2011)...

- and we're currently doing only slightly better, as we're
expected to reach *8 billion* in only about another
*14 years* from then (around 2025).

www.livescience.com/16489-7... [16489-7-population-milestones-7-billion-people.html]

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Remember, though, that sustainable carrying capacity is about *3 billion* human beings (which is where we were in 1960, when I came home from the hospital for the first time), and which was a human population that never should have been allowed to be exceeded, and to which we *must* return. Our survival--(and that of the remaining species we haven't already killed off!)--depends on that.

Human-population growth unfortunately still has not yet slowed nearly enough to get us back down to that level.

It would be possible, though, if beginning *right now* no human being ever were to have any more than two kids in their lifetime, and if many people would choose to have only one or none.

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www.biologicaldiversity.org... [programs/population_and_sustainability/climate/]

"People around the world are beginning to... [reduce] their carbon footprint through less consumption and better technology. But unsustainable human population growth can overwhelm those efforts, leading us to conclude that we not only need smaller footprints, but fewer feet."

"Portland, Oregon, for example, decreased its combined per-capita residential energy and car-driving carbon footprint by 5 percent [5%] between 2000 and 2005. During this same period, however, its population grew by 8 percent [8%]."

"A 2009 study of the relationship between population growth and global warming determined that THE 'CARBON LEGACY' OF JUST ONE CHILD can produce 20 TIMES[!] MORE GREENHOUSE GAS than a person will save by driving a [fuel-efficient] car, recycling, using energy-efficient appliances and light bulbs, etc." [emphasis added]

"EACH CHILD born in the United States will add about 9,441 metric tons of carbon dioxide to the carbon legacy of an average parent..." [emphasis added]

"Clearly, the potential savings from reduced reproduction are huge compared to the savings that can be achieved by [other] changes in lifestyle..."

"In discussions about climate change, we tend to focus on the carbon emissions of an individual over his or her lifetime. Those are important issues and it's essential that they should be considered. But an added challenge facing us is continuing population growth and increasing global consumption of resources... Future growth amplifies the consequences of people's reproductive choices today..."

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No doubt, THE most irresponsible and selfish (egotistical) thing anyone aware of these facts can do in their lives is to have any more than zero, one, or (at the most) two children... most especially also because there are so many orphaned babies and children already here on the planet who need to be adopted... rather than procreating, more people with means who want to be parents could and should adopt, instead.

It also is clearly obvious that all governments *must* make it a priority to ensure that all citizens are provided with education and effective contraception (including sterilizations of both men and women after the birth of the second child, or sooner by choice) to ensure that nobody ever creates and brings any more than two (2) more human beings into this world.

I walk the talk... in 1973, at the age of 13... already then aware of these (and other) issues... I made the decision not to have any children... and despite a strong maternal instinct... (I almost never could resist and still almost never can resist cradling a cute baby in my arms)... at the age of 21, in 1981, I opted for sterilization... I seriously wish that *many* other people had made that choice, too...

Some would argue that it's not important to limit pregnancies in some countries; however, I would argue that today more and more people almost everywhere are misguidedly emulating the unsustainable bad habits of China, the U.S.A., India, Russia, Japan, Germany, Canada, Mexico, South Africa, the U.K., Australia, Italy, France, and others (www.ucsusa.org/global-warmi...). I also would argue that the world is a closed ecosystem on which we all have an effect. We all have responsibility for the health of the global environment. It's the global population, overall, that has to be reduced... humanely, by limiting pregnancies. Yes, most especially in the higher-consuming nations mentioned above, however *also* anywhere and everywhere else, too, that others are copying our unsustainable behaviors...

As mentioned previously, our survival--(and that of the remaining species we haven't already killed off!)--depends on that.

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You may want to consider:
www.growthbusters.org/youll... [youll-want-to-be-a-part-of-this/]

Very nice: www.growthbusters.org/produ... [product-category/window-stickers/]
"Stopped at two" / "Stopped at one" / "Stopped at zero" / "Child-Free" :-)

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Two favorite documentaries:

"AN INCONVENIENT TRUTH" (2006)
www.youtube.com/watch?v=8ZU... (introduction)
www.youtube.com/watch?v=wnj... (trailer)

"I AM" (2010)
www.iamthedoc.com/thefilm/ (info)
"...[Tom] Shadyac was very specific about what he was after, wanting 'I AM' to identify the underlying cause of the world’s ills – 'I didn’t want to hear the usual answers,... war, hunger, poverty, the environmental crisis...,' he explains. 'These are not the problems; they are the symptoms of a larger endemic problem. In 'I AM', I wanted to talk about the root cause of the ills of the world, because if there is a common cause, and we can talk about it, air it out in a public forum, then we have a chance to solve it.'...”

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A favorite book:

LIFE'S OPERATING MANUAL,
WITH THE FEAR AND TRUTH DIALOGUES, by Tom Shadyac (2013)
www.goodreads.com/book/show... [show/17165486-life-s-operating-manual]
"...The question... is, can we... garner the courage to live in accordance with [the] precepts [written in this book?]"

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Please, please share all of the information on this page, by widely sharing this link:
goyimei.info/lender/prof... [lender/profile/view/30131]
That action also could help to change our world for the better...

Thank you. :)

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Edited: 03 June 2019 at 10:54 PM, EDT

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