Kiva - Loans that change lives

Over the past year or so, several atheist blogs I read (but mainly the Friendly Atheist) have mentioned a microfinance site where you can loan money to specific low income entrepreneurs throughout the world as a way to fight poverty. A couple of months ago, I wandered over to take a look.

It sounded like a good idea, so I joined the Atheists, Agnostics, Skeptics, Freethinkers, Secular Humanists and the Non-Religious (AASFSHNR) team but didn't make a loan for a while. Via a lot of blog promotion, the AASFSHNR has become the number one lending team on Kiva, but I felt I had to research more about it before I actually gave Kiva any money.

The way it works is you loan to an individual or group somewhere in the world and the loan gets paid back over a specific period (like any loan, of course). Then you have the option of either loaning the money again, donating it to Kiva to cover operating expenses, or withdrawing it. Although Kiva does not charge interest, the loan goes through a field partner in the borrower's country, and they do charge the borrower interest. The loans you make are interest free, so this is not a way to make money, and in fact, there is a chance you will lose it if the borrower fails to repay. Researching what might be going on (e.g., political or economic problems) in the part of the globe to which you're sending your money, and the microfinance field partner is probably a good idea. Over $99,700,000 has been loaned worldwide through Kiva so far.

Then, Bobby Henderson, founder of the Church of the Flying Spaghetti Monster, made a plea on the AASFSHNR message board because the FSM team was getting close to the $100,000 mark (note that, although the AASFSHNR name is rather long, and in fact might possibly be the longest team name on Kiva, it does NOT include Pastafarians). I went over and checked, and found that the FSM team is the number two lender in the religious organizations category! It seemed as though I was being tapped on the shoulder by His noodly appendage (or maybe I just had an itch. I don't know), so I, of course, had to make a couple of loans (Ok, if you click that link, you'll notice 11 so far). I figure that I can afford a few dollars better than most of the people on this planet. I've already been able to re-lend a substantial amount of the money I've loaned, so my "investment" is fairly minimal.

On October 7, the AASFSHNR team became the first group to loan over a million dollars (the number two team is still over $300,000 away). Here is a press release regarding the event. We are currently over $1,100,000.

Twenty-five dollars is the minimum you can loan, but you can re-loan it as often as you like. That $25 can turn into $50, $75 or much more. Go and loan now. Join any of my teams, or a competing team (we like the competition! It means more loans!). There are plenty of them: GLBT, Team Obama, Animal Lovers, and even Beer Goggles Never Lie...much. Or you can start your own team. It doesn't matter what team, or even if you aren't on one - for a minimal amount of money, you can help change lives. This may not be an investment for you, but it is an investment in the world and our future.
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Paraphrasing LeVar Burton, you don't just have to take my word for it:

'Revolutionising how donors and lenders in the US are connecting with small entrepreneurs in developing countries.' (actually, there are lenders from all over the world)
-- BBC

'If you've got 25 bucks, a PC and a PayPal account, you've now got the wherewithal to be an international financier.'
-- CNN Money

'Smaller investors can make loans of as little as $25 to specific individual entrepreneurs through a service launched last fall by Kiva.org.'
-- The Wall Street Journal

'An inexpensive feel-good investment opportunity...All loaned funds go directly to the applicants, and most loans are repaid in full.'
-- Entrepreneur Magazine

Can someone please explain?

In my ~two years of reading "atheist" blogs, I've noticed something interesting. I seem to be one of the few atheists (blogging atheists, anyway) who has never been a theist. Most of the atheist bloggers seem to be originally Christians, although a very few, like Friendly Atheist Hemant Mehta, and KafirGirl were other religions (Jain and Sunni Muslim, respectively). Keep in mind, I only read blogs written in English. These are people who had to go through often extremely emotionally painful realizations that god really is imaginary. Many of them have deconversion stories. UPDATE: Andrew from Artificial Habitat pointed out the de-conversion blog. It is amazing that people are able to escape this type of brainwashing. Critical thinking can really hurt sometimes and I am very grateful to my parents that I never had to go through that.

The religious nutcases in this country are desperately trying to take us back into the dark ages. When school officials suspend a kid for witchcraft, and suspend a teacher because he's suspected of being a liberal and an atheist, and we have creationists constantly attacking real science, and trying to get (un)Intelligent Design taught in science classrooms along with evolution, it indicates a huge problem. So far this hasn't always worked, and common sense has prevailed. UPDATE #2: Florida is currently trying to legislate the teaching of (un)Intelligent Design. My mother even asked my why we shouldn't teach the controversy, as it's only fair. People don't seem to understand two things:

1) There is no controversy in the scientific world about whether life evolved. It did. The only scientific controversy is regarding the mechanisms of evolution. The "controversy" about whether or not evolution happened is entirely made up by the creationists.

2) Science isn't fair. Science is about the truth. Science has specific rules that are followed to find the truth. The supernatural has never been shown to exist in anything other than people's minds.

Belief in this nonsense is harmful, even if you say, "Well, I'm not one of those theists! I don't believe that." Enough of you do. Parents already poison the brains of too many of our young people. We cannot allow this bullshit to creep into our classrooms, too. It will be an uphill battle since it is estimated that 47% of Americans believe that the world is between 6000 and 10,000 years old. FORTY-SEVEN PERCENT! I can tell you from personal experience that people in other countries (Ok, England anyway) think that Americans are completely NUTS! (Demographic wikifactoid:United States - 5% atheists, England - 35% atheists.)

I've always been mildly surprised when a scientist turns out to be a theist, but this has happened numerous times. At least one of my college professors went to church every Sunday.* I find it even more surprising when it is a biologist, because they know that there is a much better explanation for life on earth than that some sort of supernatural being created it. As far as I can tell, most of them were indoctrinated early in their lives. I just want to ask them why? Why do you still believe against all the evidence. Or maybe I should say why do you believe in the supernatural when there is no evidence?

I had a scientist say to me once, "Well what about the extra energy? Where does that go when we die?" My reaction at the time, "Uh,.........." I couldn't understand the question, and it wasn't just because I was drunk. Huh? What extra energy? The same thing happens to us as happens to any other living thing on the planet. Do worms have extra energy, too? What about trees? Bacteria? Whales? Dogs? I really have ab-so-lutely no idea what this person was talking about.

Saying "you just feel that there's a god" doesn't answer anything, either. The human mind can imagine all kinds of things. I know someone who "felt the battle" when she went to Culloden and various American Civil War battlefields. This does not mean this person is actually feeling anything, it just means she has a well developed imagination. In fact, she has often exclaimed to me in frustration, "Well, you just don't have any imagination!" Because that's ALL it is. And no I don't. When I feel that there's someone watching me while I go to the bathroom, and feel that there are people who are in a different dimension who can see me, but I can't see them, I realize it is just my imagination and that I've obviously read far too many science fiction books. Ok, maybe I do have an imagination. Or it could be the guys who just installed the new ducting in our house left a camera in the vent. But that's just being paranoid, although it's far more likely than being watched from an alternate dimension or by some supernatural sky daddy who can read my thoughts.

Many people claim that the human body/world/universe is too complex to be explained naturally. Complexity does not need a god. The complexity of the universe can be, and is being, explained non-supernaturally. Just because we don't know all the answers now, doesn't mean we won't eventually, and filling the "gaps" with some sort of god is just silly. I touched on this in a previous post.

There will be no hope for this country to stay a superpower if we don't start doing a better job teaching the general public about reality rather than being respectful of ancient superstitious bullshit. Anyone, especially biologists, believing in iron and bronze-age myths is just not logical. I just want to ask why?

And when you realize why you don't believe in any other gods that man has ever invented, you'll understand why I don't believe in yours.**

/rant

*When this was pointed out to him, one of my atheist professors said, "Well, nobody's perfect."
**Paraphrase of a quote by author Stephen F. Roberts.

Atheist blog challenge meme

This meme originated with Nullifidian, but I saw it first on (((Billy))) The Atheist's site. It was originally called the Atheist Thirteen I think because it originated on Friday the 13th.

If you’d like to take part, copy these questions, and answer them in your own words on your own blog.

Q1. How would you define “atheism”?

The lack of a belief in gods. I would go further and state that I lack belief in the supernatural. The Brights call this having a naturalistic worldview. And then there's my strong dislike of pseudoscience.

Q2. Was your upbringing religious? If so, what tradition?

Nope. Not religious at all, thank god ;-)

Q3. How would you describe “Intelligent Design”, using only one word?

IDiotic

Q4. What scientific endeavour really excites you?

Biology (ichthyology, evolutionary biology, freshwater ecology, ecology, zoology, aquatic botany, herpetology, archeology), geology, paleontology, and astronomy, but not physics. Well, ok, maybe physics, since I'm done with school and don't have to take any more physics classes.

Q5. If you could change one thing about the “atheist community”, what would it be and why?

Fewer rude atheists, because that won't change the creationist's minds - just make them feel justified in thinking that they are right. I get frustrated with the ignorance of the general public in this country all the time, but I think Hemant Mehta has the right idea. You can catch more flies with honey...

Q6. If your child came up to you and said “I’m joining the clergy”, what would be your first response?

I guess sending you to Catholic school was a mistake after all (both of us would be joking, of course).

Q7. What’s your favourite theistic argument, and how do you usually refute it?

I don't have a favourite theistic argument. None of them make sense. Look at the evidence for a god people! There is none. Blindly believing something without evidence is just illogical.

Q8. What’s your most “controversial” (as far as general attitudes amongst other atheists goes) viewpoint?

I'm beginning to agree with Paul Geisert, co-founder of The Brights, that "atheist" is a bad word, but I think we're stuck with it.

Q9. Of the “Four Horsemen” (Dawkins, Dennett, Hitchens and Harris) who is your favourite, and why?

Richard Dawkins. I've had a case of hero worship ever since about 1986 when I first read The Selfish Gene. I've seen him in person twice, which is the same number of times I've seen my favourite musician, Billy Joel, in concert. I don't always agree with his methods, but I do agree that atheists need to speak out if only to stop the creationists from imposing their agenda onto the sciences. This fight has been going on for decades, and each new generation needs someone to step up. I saw a bumper sticker yesterday: Keep your Theology off my Biology. Someone is picking up the gauntlet.

Q10. If you could convince just one theistic person to abandon their beliefs, who would it be?

My stepdaughter. She wasn't raised in a religious household and I thought she was more sensible than that. I blame her mother (there I go being rude. Oh, well. I'm only human).

Now name three other atheist blogs that you’d like to see take up the Atheist Thirteen gauntlet:

Anyone that wants to.

Motivational poster

Hemant Mehta of Friendly Atheist has posted a new contest this week.

"Create a poster/saying about atheism or faith that becomes humorous with a *slight* change in spelling."

He also gave a link to a really cool Create-your-own-motivational-poster website.

I don't think I am following the rules exactly, but this is what I came up with:Anyone else want to try?
Update: WOO HOO!! Third place!! Thanks Hemant!