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London has been the largest Fair Trade City
in the World over the past 5 years
Please Stop Bankers Betting on Hunger More Petitions ... Ethical Sourcing in the Global Food System
in the World over the past 5 years
reached the necessary 100,000 signatures. When implemented by government it will help prevent large corporations and payday loan companies using the poor as their piggy banks
In May 2012 Becoming Fearless About Money was the first to become available
One evening an old Cherokee told his grandson about a battle that goes on inside us all ... "The battle between two wolves."
One Wolf is evil. It is angry, envious, jealous, greedy, arrogant, full of self-pity, guilt, resentment, the ego, false pride, and it tells lies!
The other is Good. It is full of joy, peace, love, hope, serenity, humility, kindness, benevolence, empathy, generosity, truth, compassion and faith.
The grandson thought about this for a moment and then said: "Which wolf wins?"
These alternatives to banks are now beginning to gain a higher profile within the UK. In many countries including Ireland, the USA and The West Indies they are a major player in the mainstream banking service
Ian Moseley was involved with the 'start-up' of the London Community Credit Union, It began as the Tower Hamlets Community Credit Union in East London, and in his 'spare time' Ian is the Chair of the Management Committee which makes him the Hon President
In 2002 the Tower Hamlets Community Credit Unions won the £1,000 prize for best run and fastest growing credit union in England and Wales. This was awarded by ABCUL (the Association of British Credit Unions Limited) although Scotland has a slightly different regulatory system for financial organizations
Ian believes that no-one should be at the mercy of credit-sharks ...
He wants others to appreciate the good that well run Credit Unions can do.
Here is his explanation of what a credit union is:
"I could tell you ‘what’ a credit union is in one sentence.
So, what exactly is a Credit Union?
Credit Unions are often seen in Britain as providing access to financial services for the financially excluded. Ian objects to this view as it conjures up, by association, the phrase 'poor man's bank'.
If we think in global terms 25% of Americans, and 50% of the Irish population are credit union members. In those countries, and others, a Credit Union is seen as a central part of community life.
A credit union is a group of people with a "common bond". This might be the workplace; the geographical work area; the area lived-in; a social group, etc. In formal terms those within that "common bond" form an industrial and provident society which is subject to a number of rules and financial regulations such as the Credit Union Act.
Anyone within the "common bond" can become a member of the Credit Union, and the organization is owned and controlled by its members.
Credit Unions encourages members to save, and these savings provide the funds from which members can obtain loans. The maximum charge for these loans is 1% per month or 12.68% APR. It can be, and sometimes is, less.
The income from the loans is used to finance the day to day running of the credit union, and any surplus is distributed in whatever way the members decide at the AGM. Surpluses are usually paid out as a dividend.
You might see main stream banks and building societies offering cheaper loans, but these are usually for larger amounts of money, or to people with equity or good credit records.
Those who do not fit this criteria often deal with doorstep lenders; high street cheque-cashers and other high rate money providers. By contrast, loans from Credit Unions are based on shares held in the Credit Union and/or the ability to repay, whilst any surplus made at the end of the year is retained within the local community.
Saving encouragement and loans to members are the core business of Credit Unions
The potential size of 'New Model Credit Unions' means that the day to day running needs to be done by professional staff. To form and register a credit union in England and Wales a number of criteria as set down by the Financial Services Authority (FSA) must be met. This is the responsibility of the Steering Group, those on the committee who helped set it up. Later the directors, to ensure that the credit union is, at all times, a financially viable organization, and that it continues to act in a responsible and legal manner - even when 'they' keep changing the rules on you! This means that any new credit union needs members who are prepared to see the formation process through from start to finish.
This is hard work, but it is very rewarding. As a committee member of a credit union you have the opportunity take a part in the formation, and watch the growth of what will be a major influence on the prosperity of your community. There is a part to play for everybody, so I live in hope that some of you reading this will consider volunteering in your local area.
or the co-operative movement
Millions of books are digitized for the disabled
SEL is the regional agency that promotes Social Enterprise in London and increases the scale of the Social Economy. On 7th December 2006, SEL launched a new finance guide called "Climbing the Ladder" aimed at social enterprises at all stages of development
SEL is supported by (the ethical) Triodos Bank, Europe’s leading social banking specialist.
and Triodos Bank, will make a donation to the
World Development Movement
The Iraqi Youth Initiative
Twitter @ YouthIraq through USAID IRAQ is a job creation program that can lead to access to microfinance for young entrepreneurs, apprenticeship opportunities and jobs
is based in San Francisco, California
Borough by Borough the aim was to make London a Fair Trade City
The 100 year old postcard reproduced below shows the Coronation Stone used by the Saxon Kings who ruled the South of England before the Norman Conquest of 1066. The Coronation Stone is signposted within Kingston. Its location has since been moved slightly to ease traffic flow
The 1911 hand-tinted image of Kingston-upon-Thames is in the archives of Ki Cards
to have all their own brand products as fair-trade by the end of 2005. In addition they also pledged to ban nitro and polycyclic musks and phthalates from them. These chemicals are linked to cancers; loss of fertility and environmental damage
In the UK, Fair Trade Fortnight
is an annual event held in March
is an annual event held in March
is an equivalent organization in the US
Design from the range at www.batikcards.net
The Royal Society for the Protection of Birds
Fair Trade Islands
is one of the remotest islands in the UK situated between Shetland and Orkney in the North Sea. The Norwegians, the Scots and the English, have all claimed sovereignty there. Fair Isle is officially the first Fair Trade status island within the UK
Fair Isle has been owned by the National Trust for Scotland for over 50 years. The 2 light-houses have been automated with the loss of a major source of outside income to Fair Isle. The economy now depends on the world famous bird observatory, and Fair Isle knitwear. Conservation groups from the London Intervarsity Club, including the group led by Jacyntha and Ian have volunteered there
5th Shetland Wool Week
the largest of the Channel Islands between England and France in the English Channel
Jersey became a Fair Trade status island through the efforts of the Fair Trade status island group Sister Hilary Brown , a friend of Jacyntha 's, was then the CAFOD representative for Jersey. The free booklet "Fair Trade status island Jersey" lists enterprises that support the campaign.