Jacqueline Novogratz – Investing in Africa's own solutions (2005) Jacqueline Novogratz - In Afrikas eigene Lösungen investieren (2005) Jacqueline Novogratz – Investing in Africa's own solutions (2005) Jacqueline Novogratz - Invertir en las soluciones propias de África (2005) Jacqueline Novogratz - Investir dans les solutions propres à l'Afrique (2005) ジャクリーン・ノヴォグラッツ - アフリカ独自のソリューションへの投資 (2005) Jacqueline Novogratz - Investavimas į Afrikos sprendimus (2005 m.) Jacqueline Novogratz - Investing in Africa's own solutions (2005) Жаклин Новограц - Инвестиции в собственные решения Африки (2005) Jacqueline Novogratz - Att investera i Afrikas egna lösningar (2005) Jacqueline Novogratz - Afrika'nın kendi çözümlerine yatırım yapmak (2005) Jacqueline Novogratz – 投资非洲自己的解决方案 (2005)

I want to start with a story, a la Seth Godin, from when I was 12 years old. Ich möchte mit einer Geschichte aus der Zeit beginnen, als ich 12 Jahre alt war, ganz im Sinne von Seth Godin. My uncle Ed gave me a beautiful blue sweater -- at least I thought it was beautiful. Mein Onkel Ed schenkte mir einen wunderschönen blauen Pullover - zumindest fand ich ihn schön. And it had fuzzy zebras walking across the stomach, and Mount Kilimanjaro and Mount Meru were kind of right across the chest, that were also fuzzy. Und es hatte unscharfe Zebras, die über den Bauch liefen, und der Kilimandscharo und der Berg Meru waren irgendwie quer über der Brust, die auch unscharf waren. And I wore it whenever I could, thinking it was the most fabulous thing I owned. Und ich trug es, wann immer ich konnte, weil ich dachte, es sei das tollste, was ich besaß.

Until one day in ninth grade, when I was standing with a number of the football players. Bis zu einem Tag in der neunten Klasse, als ich mit einigen Fußballspielern zusammen war. And my body had clearly changed, and Matt Mussolina, who was undeniably my nemesis in high school, said in a booming voice that we no longer had to go far away to go on ski trips, but we could all ski on Mount Novogratz. Und mein Körper hatte sich eindeutig verändert, und Matt Mussolina, der in der Highschool unbestreitbar mein Erzfeind war, sagte mit dröhnender Stimme, dass wir nicht mehr weit weg fahren müssten, um Skiausflüge zu machen, sondern dass wir alle auf dem Berg Novogratz Ski fahren könnten. И мое тело явно изменилось, и Мэтт Муссолина, который, несомненно, был моим заклятым врагом в старших классах, зычным голосом сказал, что нам больше не нужно далеко ходить, чтобы отправиться в лыжные походы, но мы все можем кататься на лыжах на горе Новограц. (Laughter) And I was so humiliated and mortified that I immediately ran home to my mother and chastised her for ever letting me wear the hideous sweater. (Gelächter) Und ich war so gedemütigt und beschämt, dass ich sofort zu meiner Mutter rannte und sie dafür schimpfte, dass sie mich jemals diesen hässlichen Pullover hatte tragen lassen. (Смех) И я был настолько унижен и оскорблен, что сразу же побежал домой к своей матери и отругал ее за то, что она позволила мне носить этот отвратительный свитер. We drove to the Goodwill and we threw the sweater away somewhat ceremoniously, my idea being that I would never have to think about the sweater nor see it ever again. Wir fuhren zum Goodwill und warfen den Pullover feierlich weg, damit ich nie wieder an ihn denken musste und ihn nie wieder sehen würde.

Fast forward -- 11 years later, I'm a 25-year-old kid. I'm working in Kigali, Rwanda, jogging through the steep slopes, when I see, 10 feet in front of me, a little boy -- 11 years old -- running toward me, wearing my sweater. Ich arbeite in Kigali, Ruanda, und jogge durch die steilen Hänge, als ich zehn Meter vor mir einen kleinen Jungen - 11 Jahre alt - auf mich zurennen sehe, der meinen Pullover trägt. And I'm thinking, no, this is not possible. Und ich denke: Nein, das ist nicht möglich. И я думаю, нет, это невозможно. But so, curious, I run up to the child -- of course scaring the living bejesus out of him -- grab him by the collar, turn it over, and there is my name written on the collar of this sweater. Aber da ich neugierig bin, laufe ich auf das Kind zu - und erschrecke es natürlich zu Tode -, packe es am Kragen, drehe ihn um, und da steht mein Name auf dem Kragen des Pullovers. Но вот, любопытная, я подбегаю к ребенку — конечно, пугая его до смерти, — хватаю его за воротник, переворачиваю, а на воротнике этого свитера написано мое имя.

I tell that story, because it has served and continues to serve as a metaphor to me about the level of connectedness that we all have on this Earth. Ich erzähle diese Geschichte, weil sie mir als Metapher für die Verbundenheit, die wir alle auf dieser Erde haben, diente und weiterhin dient. We so often don't realize what our action and our inaction does to people we think we will never see and never know. I also tell it because it tells a larger contextual story of what aid is and can be. That this traveled into the Goodwill in Virginia, and moved its way into the larger industry, which at that point was giving millions of tons of secondhand clothing to Africa and Asia. Что это попало в фонд доброй воли в Вирджинии и перешло в более крупную отрасль, которая на тот момент поставляла миллионы тонн подержанной одежды в Африку и Азию. Which was a very good thing, providing low cost clothing. And at the same time, certainly in Rwanda, it destroyed the local retailing industry. И в то же время, особенно в Руанде, это разрушило местную розничную торговлю. Not to say that it shouldn't have, but that we have to get better at answering the questions that need to be considered when we think about consequences and responses. Не сказать, что этого не должно было быть, но мы должны научиться лучше отвечать на вопросы, которые необходимо учитывать, когда мы думаем о последствиях и ответных мерах. So, I'm going to stick in Rwanda, circa 1985, 1986, where I was doing two things. Итак, я собираюсь задержаться в Руанде примерно в 1985, 1986 годах, где я делал две вещи. I had started a bakery with 20 unwed mothers. Я открыл пекарню с 20 незамужними матерями. We were called the Bad News Bears, and our notion was we were going to corner the snack food business in Kigali, which was not hard because there were no snacks before us. Нас называли Медведями Плохих Новостей, и мы собирались захватить бизнес закусок в Кигали, что было нетрудно, потому что перед нами не было закусок. And because we had a good business model, we actually did it, and I watched these women transform on a micro level. И поскольку у нас была хорошая бизнес-модель, мы действительно сделали это, и я наблюдал, как эти женщины преображаются на микроуровне. But at the same time, I started a micro-finance bank, and tomorrow Iqbal Quadir is going to talk about Grameen, which is the grandfather of all micro finance banks, which now is a worldwide movement -- you talk about a meme -- but then it was quite new, especially in an economy that was moving from barter into trade. Но в то же время я основал банк микрофинансирования, а завтра Икбал Кадир будет говорить о Grameen, дедушке всех банков микрофинансирования, которое сейчас является всемирным движением — вы говорите о меме — но тогда это было совершенно новым, особенно в экономике, которая переходила от бартера к торговле.

We got a lot of things right. We focused on a business model, we insisted on skin in the game. The women made their own decisions at the end of the day as to how they would use this access to credit to build their little businesses, earn more income so they could take care of their families better.

What we didn't understand, what was happening all around us, with the confluence of fear, ethnic strife and certainly an aid game, if you will, that was playing into this invisible but certainly palpable movement inside Rwanda, that at that time, 30 percent of the budget was all foreign aid. То, чего мы не понимали, что происходило вокруг нас, слияние страха, этнической розни и, конечно, игры помощи, если хотите, играло роль в этом невидимом, но определенно ощутимом движении внутри Руанды, которое в то время, 30 процентов бюджета составляла вся иностранная помощь. The genocide happened in 1994, seven years after these women all worked together to build this dream. And the good news was that the institution, the banking institution, lasted. И хорошая новость заключалась в том, что институт, банковский институт, продолжал существовать. In fact, it became the largest rehabilitation lender in the country. The bakery was completely wiped out, but the lessons for me were that accountability counts -- got to build things with people on the ground, using business models where, as Steven Levitt would say, the incentives matter. Пекарня была полностью уничтожена, но уроки для меня заключались в том, что подотчетность имеет значение — нужно строить вещи с людьми на местах, используя бизнес-модели, в которых, как сказал бы Стивен Левитт, важны стимулы. Understand, however complex we might be, incentives matter. Поймите, какими бы сложными мы ни были, стимулы имеют значение.

So when Chris raised to me how wonderful everything that was happening in the world, that we were seeing a shift in zeitgeist, on the one hand I absolutely agree with him, and I was so thrilled to see what happened with the G8 -- that the world, because of people like Tony Blair and Bono and Bob Geldof -- the world is talking about global poverty, the world is talking about Africa in ways I have never seen in my life. Поэтому, когда Крис сказал мне, как прекрасно все, что происходит в мире, что мы наблюдаем сдвиг в духе времени, с одной стороны, я абсолютно согласен с ним, и я был так взволнован, увидев, что произошло с G8 - что мир из-за таких людей, как Тони Блэр, Боно и Боб Гелдоф — мир говорит о глобальной бедности, мир говорит об Африке так, как я никогда в жизни не видел. It's thrilling. And at the same time, what keeps me up at night is a fear that we'll look at the victories of the G8 -- 50 billion dollars in increased aid to Africa, 40 billion dollars in reduced debt -- as the victory, as more than chapter one, as our moral absolution. And in fact, what we need to do is see that as chapter one, celebrate it, close it, and recognize that we need a chapter two that's all about execution -- all about the how-to. And if you remember one thing from what I want to talk about today, it's that the only way to end poverty, to make it history, is to build viable systems on the ground that deliver critical and affordable goods and services to the poor, in ways that are financially sustainable and scaleable. If we do that, we really can make poverty history.

And it was that -- that whole philosophy -- that encouraged me to start my current endeavor called Acumen Fund, which is trying to build some mini-blueprints for how we might do that in water, health and housing in Pakistan, India, Kenya, Tanzania and Egypt. And I want to talk a little bit about that, and some of the examples so you can see what it is that we're doing. But before I do this -- and this is another one of my pet peeves -- I'm want to talk a little bit about who the poor are. Because we too often talk about them as these strong, huge masses of people yearning to be free, when in fact, it's quite an amazing story. On a macro level, four billion people on Earth make less than four dollars a day.

That's who we talk about when we think about the poor. If you aggregate it, it's the third largest economy on Earth, and yet most of these people go invisible. Where we typically work, there's people making between one and three dollars a day. Who are these people? They are farmers and factory workers. They're working in government offices. They're drivers. They are domestics. They typically pay for critical goods and services like water, like healthcare, like housing, and they pay 30 to 40 times what their middleclass counterparts pay -- certainly where we work in Karachi and Nairobi. Обычно они платят за важнейшие товары и услуги, такие как вода, здравоохранение, жилье, и платят в 30–40 раз больше, чем их коллеги из среднего класса — особенно там, где мы работаем в Карачи и Найроби. The poor also are willing to make, and do make, smart decisions, if you give them that opportunity.

So, two examples. One is in India, where there are 240 million farmers, most of whom make less than two dollars a day. Where we work in Aurangabad, the land is extraordinarily parched. You see people on average making 60 cents to a dollar. This guy in pink is a social entrepreneur named Ami Tabar. Этот парень в розовом — социальный предприниматель по имени Ами Табар. What he did was see what was happening in Israel, larger approaches, and figure out how to do a drip irrigation, which is a way of bringing water directly to the plant stock. But previously it's only been created for large-scale farms, so Ami Tabar took this and modularized it down to an eighth of an acre. A couple of principles -- Build small. Make it infinitely expandable and affordable to the poor.

This family, Sarita and her husband, bought a 15-dollar unit when they were living in a -- literally a three-walled lean-to with a corrugated iron roof. Эта семья, Сарита и ее муж, купили квартиру за 15 долларов, когда жили в трехстенном навесе с крышей из гофрированного железа. After one harvest, they had increased their income enough to buy a second system to do their full quarter-acre. A couple of years later, I meet them. They now make four dollars a day, which is pretty much middle class for India, and they showed me the concrete foundation they'd just laid to build their house. And I swear, you could see the future in that woman's eyes. Something I truly believe.

You can't talk about poverty today without talking about malaria bed nets, and I again give Jeffrey Sachs of Harvard huge kudos for bringing to the world this notion of his rage -- for five dollars you can save a life. Сегодня невозможно говорить о бедности, не упомянув о надкроватных сетках от малярии, и я снова воздаю должное Джеффри Саксу из Гарварда за то, что он принес миру это представление о своей ярости — за пять долларов можно спасти жизнь. Malaria is a disease that kills one to three million people a year. 300 to 500 million cases are reported. It's estimated that Africa loses about 13 billion dollars a year to the disease. Five dollars can save a life. We can send people to the moon, we can see if there's life on Mars -- why can't we get five-dollar nets to 500 million people? The question, though, is not why can't we, the question is how can we help Africans do this for themselves? A lot of hurdles. One: production is too low. Two: price is too high. Three: this is a good road in -- right near where our factory is located. Третье: это хорошая дорога прямо рядом с нашим заводом. Distribution is a nightmare, but not impossible. We started by making a 350,000 dollar loan to the largest traditional bed net manufacturer in Africa so that they could transfer technology from Japan and build these long-lasting, five-year nets. Мы начали с того, что предоставили кредит в размере 350 000 долларов крупнейшему производителю традиционных надкроватных сеток в Африке, чтобы они могли передать технологию из Японии и построить эти долговечные пятилетние сетки. Here are just some pictures of the factory.

Today, three years later, the company has employed another thousand women. It contributes about 600,000 dollars in wages to the economy of Tanzania. Он вносит около 600 000 долларов заработной платы в экономику Танзании. It's the largest company in Tanzania. The throughput rate right now is 1.5 million nets, three million by the end of the year. We hope to have seven million at the end of next year. So the production side is working. On the distribution side, though, as a world, we have a lot of work to do. Right now, 95 percent of these nets are being bought by the U.N., and then given primarily to people around Africa. Прямо сейчас 95 процентов этих сетей покупает ООН, а затем раздает в первую очередь людям по всей Африке. We're looking at building on some of the most precious resources of Africa -- people. Мы смотрим на использование одного из самых ценных ресурсов Африки — людей. Their women.

And so I want you to meet Jacqueline, my namesake, 21 years old. If she were born anywhere else but Tanzania, I'm telling you, she could run Wall Street. She runs two of the lines, and has already saved enough money to put a down payment on her house. She makes about two dollars a day, is creating an education fund, and told me she is not marrying nor having children until these things are completed. Она зарабатывает около двух долларов в день, создает образовательный фонд и сказала мне, что не выйдет замуж и не заведет детей, пока все это не будет завершено. And so, when I told her about our idea -- that maybe we could take a Tupperware model from the United States, and find a way for the women themselves to go out and sell these nets to others -- she quickly started calculating what she herself could make and signed up. Итак, когда я рассказал ей о нашей идее — что, возможно, мы могли бы взять модель Tupperware из Соединенных Штатов и найти способ, чтобы женщины сами вышли и продали эти сетки другим, — она быстро начала прикидывать, что ей нужно. сама смогла сделать и записалась.

We took a lesson from IDEO, one of our favorite companies, and quickly did a prototyping on this, and took Jacqueline into the area where she lives. She brought 10 of the women with whom she interacts together to see if she could sell these nets, five dollars apiece, despite the fact that people say nobody will buy one, and we learned a lot about how you sell things. Она собрала вместе 10 женщин, с которыми общается, чтобы посмотреть, сможет ли она продать эти сети по пять долларов за штуку, несмотря на то, что люди говорят, что никто их не купит, и мы многое узнали о том, как продавать вещи. Not coming in with our own notions, because she didn't even talk about malaria until the very end. Не вступая с нашими собственными представлениями, потому что она даже не говорила о малярии до самого конца. First, she talked about comfort, status, beauty. These nets, she said, you put them on the floor, bugs leave your house. Children can sleep through the night, the house looks beautiful, you hang them in the window. And we've started making curtains, and not only is it beautiful, but people can see status -- that you care about your children. Only then did she talk about saving your children's lives. A lot of lessons to be learned in terms of how we sell goods and services to the poor.

I want to end just by saying that there's enormous opportunity to make poverty history. To do it right, we have to build business models that matter, that are scaleable and that work with Africans, Indians, people all over the developing world who fit in this category, to do it themselves. Because at the end of the day, it's about engagement. It's about understanding that people really don't want handouts, that they want to make their own decisions, they want to solve their own problems, and that by engaging with them, not only do we create much more dignity for them, but for us as well. And so I urge all of you to think next time as to how to engage with this notion and this opportunity that we all have -- to make poverty history -- by really becoming part of the process and moving away from an us-and-them world, and realizing that it's about all of us, and the kind of world that we, together, want to live in and share. И поэтому я призываю всех вас подумать в следующий раз о том, как использовать эту идею и эту возможность, которая есть у всех нас — сделать бедность историей — действительно став частью процесса и отойдя от нас-и- их мир и понимание того, что речь идет о всех нас, и о том мире, в котором мы вместе хотим жить и делиться. Thank you. (Applause)

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