Jessica Jackley: Poverty, money -- and love

162,012 views ・ 2010-10-18

TED


Dvaput kliknite na engleske titlove ispod za reprodukciju videozapisa.

Prevoditelj: Hrvoje Simic Recezent: Tilen Pigac - EFZG
00:16
The stories we tell about each other
0
16260
2000
Priče koje jedni drugima pričamo
00:18
matter very much.
1
18260
3000
su jako važne.
00:21
The stories we tell ourselves about our own lives matter.
2
21260
3000
Priče o našim životima koje pričamo sami sebi su važne.
00:24
And most of all,
3
24260
2000
I, što je najvažnije,
00:26
I think the way that we participate in each other's stories
4
26260
2000
način na koji sudjelujemo u životnim pričama jedni drugih
00:28
is of deep importance.
5
28260
3000
su od duboke važnosti.
00:31
I was six years old
6
31260
2000
Imala sam tek šest godina
00:33
when I first heard stories about the poor.
7
33260
2000
kad sam čula prve priče o siromaštvu.
00:35
Now I didn't hear those stories from the poor themselves,
8
35260
2000
Nisam ih čula od siromašnih ljudi,
00:37
I heard them from my Sunday school teacher
9
37260
3000
čula sam ih od svog vjeroučitelja
00:40
and Jesus, kind of via my Sunday school teacher.
10
40260
3000
i od Isusa, navodno, preko mog vjeroučitelja.
00:43
I remember learning that people who were poor
11
43260
3000
Sjećam se da sam naučila kako siromašni
00:46
needed something material --
12
46260
2000
trebaju materijalne stvari -
00:48
food, clothing, shelter -- that they didn't have.
13
48260
2000
hranu, odjeću, sklonište - ono što im nedostaje.
00:50
And I also was taught, coupled with that,
14
50260
3000
Usto sam naučila i
00:53
that it was my job -- this classroom full of five and six year-old children --
15
53260
3000
da je moj zadatak - i cijele moje grupe peto i šestogodišnjaka -
00:56
it was our job, apparently, to help.
16
56260
2000
naš je zadatak, izgleda, da im pomognemo.
00:58
This is what Jesus asked of us.
17
58260
2000
To Isus traži od nas.
01:00
And then he said, "What you do for the least of these, you do for me."
18
60260
3000
I reče, "Sve što ste učinili jednomu od moje najmanje braće, meni ste učinili."
01:03
Now I was pretty psyched.
19
63260
2000
Bila sam prilično uzbuđena.
01:05
I was very eager to be useful in the world --
20
65260
2000
Bila sam vrlo željna da se pokažem korisnom.
01:07
I think we all have that feeling.
21
67260
2000
Mislim da svi imamo taj osjećaj.
01:09
And also, it was kind of interesting that God needed help.
22
69260
2000
I bilo mi je jako zanimljivo kako Bogu treba pomoć.
01:11
That was news to me,
23
71260
2000
To mi je bilo novo,
01:13
and it felt like it was a very important thing to get to participate in.
24
73260
2000
bila je to vrlo važna stvar u kojoj mogu sudjelovati.
01:15
But I also learned very soon thereafter
25
75260
2000
Ali vrlo skoro sam naučila
01:17
that Jesus also said, and I'm paraphrasing,
26
77260
2000
kako je Isus rekao i, parafraziram:
01:19
the poor would always be with us.
27
79260
2000
"uvijek će biti siromaha".
01:21
This frustrated and confused me;
28
81260
2000
To me frustriralo i zbunjivalo.
01:23
I felt like I had been just given a homework assignment
29
83260
2000
Osjećala sam se kao da mi je dan domaći zadatak
01:25
that I had to do, and I was excited to do,
30
85260
2000
koji trebam napraviti, koji mi je uzbudljiv,
01:27
but no matter what I would do, I would fail.
31
87260
3000
ali kojeg ne mogu završiti, koliko god se trudila.
01:30
So I felt confused, a little bit frustrated and angry,
32
90260
3000
Osjetila sam se zbunjeno, pomalo frustrirano i bijesno,
01:33
like maybe I'd misunderstood something here.
33
93260
2000
kao da sam nešto krivo shvatila.
01:35
And I felt overwhelmed.
34
95260
2000
I osjetila sam se nemoćnom.
01:37
And for the first time,
35
97260
2000
Po prvi put
01:39
I began to fear this group of people
36
99260
2000
počela sam se bojati ove grupe ljudi
01:41
and to feel negative emotion towards a whole group of people.
37
101260
3000
i imala sam negativne osjećaje prema svima njima.
01:44
I imagined in my head, a kind of long line of individuals
38
104260
3000
Zamišljala sam dugi red pojedinaca
01:47
that were never going away, that would always be with us.
39
107260
2000
koji nikad neće nestati, koji će uvijek postojati.
01:49
They were always going to ask me to help them and give them things,
40
109260
3000
Stalno će od mene tražiti pomoć i da im nešto udjelim,
01:52
which I was excited to do,
41
112260
2000
što sam bila voljna,
01:54
but I didn't know how it was going to work.
42
114260
2000
ali nisam znala kako će to funkcionirati.
01:56
And I didn't know what would happen when I ran out of things to give,
43
116260
3000
Nisam znala što će se dogoditi kad mi ponestane stvari koje mogu podijeliti,
02:01
especially if the problem was never going away.
44
121260
2000
pogotovo zbog toga što taj problem neće nestati.
02:03
In the years following,
45
123260
2000
U godinama koje su slijedile,
02:05
the other stories I heard about the poor growing up
46
125260
2000
druge priče koje sam čula o siromasima
02:07
were no more positive.
47
127260
2000
nisu bile ništa pozitivnije.
02:09
For example, I saw pictures and images
48
129260
3000
Na primjer, vidjela sam slike
02:12
frequently of sadness and suffering.
49
132260
2000
tuge i patnje.
02:14
I heard about things that were going wrong in the lives of the poor.
50
134260
3000
Čula sam o lošim stvarima u životima siromašnih ljudi.
02:17
I heard about disease, I heard about war --
51
137260
2000
Čula sam o bolestima. O ratovima.
02:19
they always seemed to be kind of related.
52
139260
2000
Uvijek su bili nekako povezani.
02:21
And in general,
53
141260
2000
Općenito,
02:23
I got this sort of idea
54
143260
2000
dobila sam osjećaj
02:25
that the poor in the world lived lives
55
145260
2000
da siromašni ljudi žive živote
02:27
that were wrought with suffering and sadness,
56
147260
2000
pune patnje i tuge,
02:29
devastation, hopelessness.
57
149260
3000
razaranja, beznađa.
02:32
And after a while, I developed what I think many of us do,
58
152260
2000
Nakon nekog vremena, kao i mnogi drugi,
02:34
is this predictable response,
59
154260
2000
razvila sam predvidljivu reakciju,
02:36
where I started to feel bad every time I heard about them.
60
156260
3000
počela sam se loše osjećati svaki put kad sam čula za njih.
02:39
I started to feel guilty for my own relative wealth,
61
159260
3000
Počela sam osjećati krivnju zbog mojeg relativnog bogatstva,
02:42
because I wasn't doing more, apparently, to make things better.
62
162260
3000
jer nisam više radila na tome da se situacija popravi.
02:45
And I even felt a sense of shame because of that.
63
165260
3000
Osjećala sam se čak posramljenom zbog toga.
02:48
And so naturally,
64
168260
2000
Prirodno, zbog toga sam se
02:50
I started to distance myself.
65
170260
2000
počela udaljavati.
02:52
I stopped listening to their stories
66
172260
2000
Prestala sam slušati njihove priče
02:54
quite as closely as I had before.
67
174260
2000
tako pažljivo kao što sam ranije.
02:56
And I stopped expecting things to really change.
68
176260
3000
Prestala sam očekivati da se stvari promjene.
02:59
Now I still gave -- on the outside it looked like I was still quite involved.
69
179260
3000
Još uvijek sam davala. Izvana se činilo da sam uključena.
03:02
I gave of my time and my money,
70
182260
2000
Davala sam svoje vrijeme i novac.
03:04
I gave when solutions were on sale.
71
184260
2000
Davala sam kad su rješenja bila jeftina.
03:06
The cost of a cup of coffee can save a child's life, right.
72
186260
2000
Cijena šalice kave za spas djetetovog života, ok.
03:08
I mean who can argue with that?
73
188260
2000
Tko bi bio protiv toga?
03:10
I gave when I was cornered, when it was difficult to avoid
74
190260
3000
Davala sam kad su me pritisnuli, kad sam teško mogla izbjeći,
03:13
and I gave, in general, when the negative emotions built up enough
75
193260
3000
i općenito, davala sam kad su se negativne emocije toliko nagomilale
03:16
that I gave to relieve my own suffering,
76
196260
2000
da je davanje pružalo olakšanje meni,
03:18
not someone else's.
77
198260
2000
a ne nekom drugome.
03:20
The truth be told, I was giving out of that place,
78
200260
3000
Ako ćemo iskreno, bila sam u stanju
03:23
not out of a genuine place of hope
79
203260
3000
u kojem nije bilo istinske nade
03:26
and excitement to help and of generosity.
80
206260
2000
i uzbuđenja zbog pomaganja i velikodušnosti.
03:28
It became a transaction for me,
81
208260
2000
To je postala transakcija,
03:30
became sort of a trade.
82
210260
2000
neka vrsta trgovine.
03:32
I was purchasing something --
83
212260
2000
Kupovala sam nešto.
03:34
I was buying my right to go on with my day
84
214260
3000
Kupovala sam pravo da nastavim svoj život
03:37
and not necessarily be bothered by this bad news.
85
217260
3000
bez da budem uznemirena tim lošim vijestima.
03:40
And I think the way that we go through that sometimes
86
220260
3000
I mislim kako način na koji to postižemo
03:43
can, first of all,
87
223260
2000
može, prvo,
03:45
disembody a group of people, individuals out there in the world.
88
225260
3000
učiniti te ljude bezličnima.
03:48
And it can also turn into a commodity,
89
228260
2000
I može ih pretvoriti u robu,
03:50
which is a very scary thing.
90
230260
2000
što je veoma zastrašujuće.
03:52
So as I did this, and as I think many of us do this,
91
232260
3000
I tako sam radila to, kao i mnogi drugi,
03:55
we kind of buy our distance,
92
235260
2000
kupujemo tu distancu,
03:57
we kind of buy our right to go on with our day.
93
237260
2000
kupujemo pravo da nastavimo sa svojim životom.
03:59
I think that exchange can actually get in the way of the very thing that we want most.
94
239260
3000
Ali ta razmjena može smetati onome što želimo od života.
04:02
It can get in the way of our desire
95
242260
2000
Smeta našoj težnji
04:04
to really be meaningful and useful in another person's life
96
244260
3000
da nudimo smisao i budemo korisni drugoj osobi
04:07
and, in short to love.
97
247260
3000
ukratko, da volimo.
04:10
Thankfully, a few years ago, things shifted for me
98
250260
2000
Na sreću, prije par godina sam imala priliku
04:12
because I heard this gentleman speak, Dr. Muhammad Yunus.
99
252260
3000
čuti govor ovog gospodina, Dr. Muhammad-a Yunus-a.
04:15
I know many in the room probably know exactly who he is,
100
255260
3000
Znam da vas puno zna točno tko je on,
04:18
but to give the shorthand version
101
258260
2000
ali dati ću skraćenu verziju
04:20
for any who have not heard him speak,
102
260260
2000
za sve one koji nisu čuli njegov govor,
04:22
Dr. Yunus won the Nobel Peace Prize a few years ago
103
262260
2000
Dr. Yunus je osvojio Nobelovu nagradu za mir prije nekoliko godina
04:24
for his work pioneering modern microfinance.
104
264260
3000
za svoj pionirski rad na području modernog mikrofinanciranja.
04:27
When I heard him speak, it was three years before that.
105
267260
3000
Ja sam ga slušala tri godine ranije.
04:30
But basically, microfinance -- if this is new to you as well --
106
270260
3000
U biti, mikrofinanciranje - ako vam je taj pojam nepoznat -
04:33
think of that as financial services for the poor.
107
273260
2000
je neka vrsta financijskih usluga za siromašne.
04:35
Think of all the things you get at your bank
108
275260
2000
Zamislite sve stvari koje dobijete od svoje banke
04:37
and imagine those products and services
109
277260
2000
i zamislite sve te proizvode i usluge
04:39
tailored to the needs of someone living on a few dollars a day.
110
279260
2000
prilagođene ljudima koji žive sa nekoliko dolara na dan.
04:41
Dr. Yunus shared his story,
111
281260
2000
Dr. Yunus je podijelio svoju priču,
04:43
explaining what that was,
112
283260
2000
objašnjavao što je to
04:45
and what he had done with his Grameen Bank.
113
285260
2000
i što je napravio sa svojom Grameen bankom.
04:47
He also talked about, in particular, microlending,
114
287260
2000
Posebno je govorio o mikrokreditiranju,
04:49
which is a tiny loan
115
289260
2000
sićušnom kreditu
04:51
that could help someone start or grow a business.
116
291260
2000
koji omogućava započinjanje ili širenje posla.
04:53
Now, when I heard him speak, it was exciting for a number of reasons.
117
293260
3000
Kad sam ga prvi put čula, bilo je to uzbudljivo iz više razloga.
04:56
First and foremost, I learned about this new method of change in the world
118
296260
3000
Prvenstveno jer sam naučila nov način kako promijeniti svijet
04:59
that, for once, showed me, maybe,
119
299260
2000
koji mi je pokazao kako ipak, možda,
05:01
a way to interact with someone
120
301260
2000
ima načina da surađujemo,
05:03
and to give, to share of a resource in a way that wasn't weird
121
303260
2000
da dajemo, da dijelimo resurse na način koji nije čudan
05:05
and didn't make me feel bad --
122
305260
3000
i ne čini me da se loše osjećam.
05:08
that was exciting.
123
308260
2000
To je bilo uzbudljivo.
05:10
But more importantly, he told stories about the poor
124
310260
3000
Ali, što je još važnije, njegove priče o siromasima
05:13
that were different than any stories I had heard before.
125
313260
2000
su bile drugačije od priča koje sam čula ranije.
05:15
In fact, those individuals he talked about who were poor was sort of a side note.
126
315260
4000
Činjenica da su ljudi o kojima je pričao bili siromašni rečena je tek usput.
05:19
He was talking about strong, smart,
127
319260
2000
On je pričao o snažnim, pametnim,
05:21
hardworking entrepreneurs who woke up every day
128
321260
3000
radišnim poduzetnicima koji su se budili svaki dan
05:24
and were doing things to make their lives and their family's lives better.
129
324260
3000
i radili su stvari zbog kojih su njihovi životi i životi njihovih obitelji bili bolji.
05:27
All they needed to do that more quickly and to do it better
130
327260
3000
Sve što im je trebalo da to odrade brže i bolje
05:30
was a little bit of capital.
131
330260
2000
je bilo malo kapitala.
05:32
It was an amazing sort of insight for me.
132
332260
2000
To mi je bila zapanjujuća spoznaja.
05:34
And I, in fact, was so deeply moved by this --
133
334260
2000
Bila sam toliko dirnuta s tim,
05:36
it's hard to express now how much that affected me --
134
336260
3000
teško mi je opisati kako me se to dojmilo,
05:39
but I was so moved that I actually quit my job a few weeks later,
135
339260
3000
toliko da sam par tjedana kasnije dala otkaz,
05:42
and I moved to East Africa
136
342260
2000
i preselila se u Istočnu Afriku
05:44
to try to see for myself what this was about.
137
344260
2000
da vidim za sebe o čemu se tu radi.
05:46
For the first time, actually, in a long time
138
346260
2000
Po prvi put nakon dugo vremena
05:48
I wanted to meet those individuals, I wanted to meet these entrepreneurs,
139
348260
3000
htjela sam upoznati te osobe, htjela sam vidjeti te poduzetnike
05:51
and see for myself what their lives were actually about.
140
351260
3000
i sama vidjeti kako stvarno žive.
05:54
So I spent three months in Kenya, Uganda and Tanzania
141
354260
3000
Provela sam tri mjeseca u Keniji, Ugandi i Tanzaniji
05:57
interviewing entrepreneurs that had received 100 dollars
142
357260
2000
pričajući s poduzetnicima koji su primili 100 dolara
05:59
to start or grow a business.
143
359260
2000
da započnu ili prošire svoj posao.
06:01
And in fact, through those interactions,
144
361260
2000
I u stvari, kroz te interakcije,
06:03
for the first time, I was starting to get to be friends
145
363260
2000
po prvi put, sprijateljila sam se
06:05
with some of those people in that big amorphous group out there
146
365260
3000
s nekim od tih ljudi u toj velikoj bezličnoj skupini tamo
06:08
that was supposed to be far away.
147
368260
3000
koja je trebala biti tako daleko.
06:11
I was starting to be friends and get to know their personal stories.
148
371260
3000
Počela sam upoznavati njih i njihove životne priče.
06:14
And over and over again,
149
374260
2000
I svaki put iznova,
06:16
as I interviewed them and spent my days with them,
150
376260
2000
dok sam ih intervjuirala i provodila svoje dane s njima,
06:18
I did hear stories of life change
151
378260
2000
čula sam priče o životnoj promjeni
06:20
and amazing little details of change.
152
380260
2000
i nevjerojatne male detalje te promijene.
06:22
So I would hear from goat herders
153
382260
2000
Čula sam od stočara
06:24
who had used that money that they had received to buy a few more goats.
154
384260
3000
koji su s primljenim novcem kupili još par koza.
06:27
Their business trajectory would change.
155
387260
2000
Njihova poslovna putanja se promjenila.
06:29
They would make a little bit more money;
156
389260
2000
Zaradili bi još nešto novca.
06:31
their standard of living
157
391260
2000
Njihov životni standard
06:33
would shift and would get better.
158
393260
2000
bi se promijenio na bolje
06:35
And they would make really interesting little adjustments in their lives,
159
395260
3000
i njihovi životi bi se malo unaprijedili,
06:38
like they would start to send their children to school.
160
398260
2000
kao počeli bi slati djecu u školu.
06:40
They might be able to buy mosquito nets.
161
400260
2000
Mogli bi kupiti mreže za komarce.
06:42
Maybe they could afford a lock for the door and feel secure.
162
402260
3000
Kupili bi lokot za vrata da budu sigurniji.
06:45
Maybe it was just that they could put sugar in their tea
163
405260
2000
Ili bi si samo mogli priuštiti šećer za čaj
06:47
and offer that to me when I came as their guest
164
407260
2000
koji bi mi ponudili kad bi im došla u goste
06:49
and that made them feel proud.
165
409260
2000
i zbog toga bi bili ponosni.
06:51
But there were these beautiful details, even if I talked to 20 goat herders in a row,
166
411260
3000
Bili su to divni detalji, čak i kad sam pričala s 20 stočara zaredom,
06:54
and some days that's what happened --
167
414260
2000
a nekih dana se i to događalo -
06:56
these beautiful details of life change
168
416260
2000
ti divni detalji o mijenjanju života
06:58
that were meaningful to them.
169
418260
2000
koji su njima bili važni.
07:00
That was another thing that really touched me.
170
420260
2000
To je bila još jedna stvar koja me dirnula.
07:02
It was really humbling to see for the first time,
171
422260
2000
Dojmilo me se što sam po prvi put vidjela,
07:04
to really understand
172
424260
2000
i stvarno razumjela
07:06
that even if I could have taken a magic wand and fixed everything,
173
426260
3000
kako, čak i da sam čarobnim štapićem mogla sve popraviti,
07:09
I probably would have gotten a lot wrong.
174
429260
2000
vjerojatno bih u puno stvari pogriješila.
07:11
Because the best way for people to change their lives
175
431260
3000
Jer najbolji način na koji ljudi mogu izmijeniti svoje živote
07:14
is for them to have control and to do that in a way that they believe is best for them.
176
434260
3000
je da imaju kontrolu i da rade onako kako misle da je najbolje za njih.
07:17
So I saw that and it was very humbling.
177
437260
3000
To me učinilo skromnijom.
07:20
Anyway, another interesting thing happened while I was there.
178
440260
3000
Još se jedna zanimljiva stvar dogodila dok sam bila tamo.
07:23
I never once was asked for a donation,
179
443260
3000
Nikad me nitko nije tražio donaciju,
07:26
which had kind of been my mode, right.
180
446260
2000
a tada sam razmišljala na taj način.
07:28
There's poverty, you give money to help --
181
448260
2000
Postoji siromaštvo, daješ novac da pomogneš.
07:30
no one asked me for a donation.
182
450260
2000
Nitko nije tražio da mu udijelim milostinju.
07:32
In fact, no one wanted me to feel bad for them at all.
183
452260
3000
Štoviše, nitko nije želio da ih žalim.
07:35
If anything, they just wanted to be able to do more of what they were doing already
184
455260
2000
Samo su željeli da mogu i dalje raditi ono što su već radili
07:37
and to build on their own capabilities.
185
457260
2000
i razvijati se na svojim sposobnostima.
07:39
So what I did hear, once in a while,
186
459260
2000
Ono što sam čula, s vremena na vrijeme,
07:41
was that people wanted a loan --
187
461260
2000
je da ljudi žele pozajmicu -
07:43
I thought that sounded very reasonable and really exciting.
188
463260
3000
učinilo mi se da to zvuči razumno i stvarno uzbudljivo.
07:46
And by the way, I was a philosophy and poetry major in school,
189
466260
3000
Usput, studirala sam filozofiju i poeziju,
07:49
so I didn't know the difference between profit and revenue when I went to East Africa.
190
469260
3000
tako da nisam razlikovala zaradu od prihoda kad sam otišla u Istočnu Afriku.
07:52
I just got this impression that the money would work.
191
472260
3000
Samo mi se učinilo kako bi novac mogao djelovati.
07:55
And my introduction to business
192
475260
2000
U poslovne vode sam ušla
07:57
was in these $100 little infuses of capital.
193
477260
3000
s tim malim injekcijama kapitala od 100 dolara.
08:00
And I learned about profit and revenue, about leverage, all sorts of things,
194
480260
3000
Naučila sam o zaradi i prihodu, financijskim polugama, o raznim stvarima,
08:03
from farmers, from seamstresses, from goat herders.
195
483260
3000
od seljaka, švelja, stočara.
08:06
So this idea
196
486260
2000
Tako je ova ideja
08:08
that these new stories of business and hope
197
488260
3000
da bi ove priče o poslovanju i nadi
08:11
might be shared with my friends and family,
198
491260
2000
mogla podijeliti s prijateljima i s obitelji
08:13
and through that, maybe we could get some of the money that they needed
199
493260
3000
i kako bi na taj način mogli prikupiti dio novca koji im je bio potreban
08:17
to be able to continue their businesses as loans,
200
497260
3000
da nastave sa svojim poslom kao kredit,
08:20
that's this little idea that turned into Kiva.
201
500260
2000
i to je bila ideja koja se pretvorila u Kivu.
08:22
A few months later, I went back to Uganda
202
502260
2000
Nekoliko mjeseci kasnije, vratila sam se u Ugandu
08:24
with a digital camera and a basic website
203
504260
3000
s digitalnim fotoaparatom i Web stranicom
08:27
that my partner, Matthew, and I had kind of built,
204
507260
2000
koju smo postavili moj partner Matthew i ja
08:29
and took pictures of seven of my new friends,
205
509260
3000
i slikali smo sedam mojih novih prijatelja,
08:32
posted their stories, these stories of entrepreneurship, up on the website,
206
512260
4000
objavili njihove priče o poduzetništvu na toj stranici,
08:36
spammed friends and family and said, "We think this is legal.
207
516260
2000
zatrpavali emailovima prijatelje i rodbinu i govorili, "Mislimo da je ovo legalno.
08:38
Haven't heard back yet from SEC on all the details,
208
518260
3000
Nije nam još odgovorila SEC o svim detaljima,
08:41
but do you say, do you want to help participate in this,
209
521260
2000
ali, da li biste vi htjeli sudjelovati u ovome,
08:43
provide the money that they need?"
210
523260
2000
i osigurati novac koji im treba?"
08:45
The money came in basically overnight.
211
525260
2000
Novac je došao praktički preko noći.
08:47
We sent it over to Uganda.
212
527260
2000
Poslali smo ga u Ugandu.
08:49
And over the next six months, a beautiful thing happened;
213
529260
2000
I u sljedećih šest mjeseci dogodila se predivna stvar;
08:51
the entrepreneurs received the money,
214
531260
2000
poduzetnici su primili novac,
08:53
they were paid, and their businesses, in fact, grew,
215
533260
3000
bili su plaćeni i njihovo poslovanje je naraslo
08:56
and they were able to support themselves
216
536260
2000
i mogli su se uzdržavati
08:58
and change the trajectory of their lives.
217
538260
2000
i promijeniti putanju svojih života.
09:01
In October of '05,
218
541260
2000
U listopadu 2005.,
09:03
after those first seven loans were paid,
219
543260
2000
nakon što je prvih sedam kredita bilo otplaćeno,
09:05
Matt and I took the word beta off of the site.
220
545260
2000
Matt i ja smo skinuli oznaku "beta" sa stranice.
09:07
We said, "Our little experiment has been a success.
221
547260
2000
Rekli smo, "Naš je mali eksperiment uspio.
09:09
Let's start for real." That was our official launch.
222
549260
3000
Idemo sad za ozbiljno." To je bio naš službeni početak.
09:12
And then that first year, October '05 through '06,
223
552260
2000
I te prve godine, od listopada 2005. do 2006.,
09:14
Kiva facilitated $500,000 in loans.
224
554260
3000
Kiva je omogućila kredite u vrijednosti 500.000 dolara.
09:17
The second year, it was a total of 15 million.
225
557260
3000
Druge godine, total je bio 15 milijuna.
09:20
The third year, the total was up to around 40.
226
560260
2000
Treće godine, ukupno je bilo oko 40.
09:22
The fourth year, we were just short of 100.
227
562260
2000
Četvrte godine skoro 100.
09:24
And today, less than five years in,
228
564260
2000
A danas, nakon manje od pet godina,
09:26
Kiva's facilitated
229
566260
2000
Kiva je omogućila
09:28
more than 150 million dollars, in little 25-dollar bits,
230
568260
3000
više od 150 milijuna dolara, u komadićima od po 25 dolara,
09:31
from lenders and entrepreneurs --
231
571260
2000
od zajmodavaca i poduzetnika -
09:33
more than a million of those, collectively in 200 countries.
232
573260
2000
njih više od milijun, ukupno u 200 zemalja.
09:35
So that's where Kiva is today, just to bring you right up to the present.
233
575260
3000
I tu je Kiva danas, da vas upoznamo sa sadašnjošću.
09:38
And while those numbers and those statistics
234
578260
2000
Ali, iako su ti brojevi i statistike
09:40
are really fun to talk about and they're interesting,
235
580260
3000
stvarno zabavne i zanimljive,
09:43
to me, Kiva's really about stories.
236
583260
3000
za mene, u Kivi su najvažnije priče.
09:46
It's about retelling
237
586260
2000
Najvažnije je prepričavanje
09:48
the story of the poor,
238
588260
2000
priče siromašnih ljudi,
09:50
and it's about giving ourselves
239
590260
2000
da damo sami sebi
09:52
an opportunity to engage
240
592260
2000
priliku da se uključe
09:54
that validates their dignity,
241
594260
2000
na dostojanstven način,
09:56
validates a partnership relationship,
242
596260
2000
u partnerskoj vezi,
09:58
not a relationship that's based
243
598260
2000
ne u tradicionalnom odnosu
10:00
on the traditional sort of donor beneficiary
244
600260
3000
između donatora i primatelja donacije
10:03
weirdness that can happen.
245
603260
2000
koji može ispasti neugodan.
10:05
But instead a relationship that can promote respect
246
605260
3000
Umjesto toga želimo odnos poštovanja
10:08
and hope
247
608260
2000
i nade
10:10
and this optimism
248
610260
2000
i optimizma
10:12
that together we can move forward.
249
612260
3000
da zajedno možemo naprijed.
10:15
So what I hope is that,
250
615260
2000
Ono što se ja nadam
10:17
not only can the money keep flowing forth through Kiva --
251
617260
2000
je ne samo da novac nastavi teći kroz Kivu -
10:19
that's a very positive and meaningful thing --
252
619260
2000
to je vrlo pozitivna i smislena stvar -
10:21
but I hope Kiva can blur those lines, like I said,
253
621260
2000
nego i da Kiva uspije zamutiti te granice, kao što sam rekla,
10:23
between the traditional rich and poor categories
254
623260
2000
između tradicionalnih kategorija bogatstva i siromaštva
10:25
that we're taught to see in the world,
255
625260
2000
koje smo naučeni vidjeti u svijetu,
10:27
this false dichotomy of us and them, have and have not.
256
627260
3000
te lažne dihotomije između njih i nas, onih koji imaju i onih koji nemaju.
10:30
I hope that Kiva can blur those lines.
257
630260
2000
Nadam se da Kiva može zamutiti te granice.
10:32
Because as that happens,
258
632260
2000
Jer, kad se to dogodi,
10:34
I think we can feel free to interact
259
634260
2000
mislim da možemo surađivati
10:36
in a way that's more open, more just and more creative,
260
636260
3000
na način koji je otvoreniji, pravedniji i kreativniji,
10:39
to engage with each other and to help each other.
261
639260
3000
kako bismo mogli međusobno sudjelovati i pomagati jedni drugima.
10:42
Imagine how you feel
262
642260
2000
Zamislite kako se osjećate
10:44
when you see somebody on street who is begging
263
644260
3000
kad vidite nekog kako prosi na ulici
10:47
and you're about to approach them.
264
647260
2000
i upravo mu prilazite.
10:49
Imagine how you feel;
265
649260
2000
Zamislite kako se osjećate.
10:51
and then imagine the difference when you might see somebody
266
651260
2000
I zamislite razliku kad vidite nekog
10:53
who has a story of entrepreneurship and hard work
267
653260
3000
tko ima priču o poduzetništvu i radu
10:56
who wants to tell you about their business.
268
656260
3000
i tko vam želi pričati o svom poslu.
10:59
Maybe they're smiling, and they want to talk to you about what they've done.
269
659260
3000
Možda se smiješe, i žele vam ispričati što su napravili.
11:02
Imagine if you're speaking with somebody
270
662260
2000
Zamislite da pričate s nekim
11:04
who's growing things and making them flourish,
271
664260
3000
tko uzgaja stvari i čini da rastu,
11:07
somebody who's using their talents
272
667260
3000
netko tko koristi svoje talente
11:10
to do something productive,
273
670260
2000
da učini nešto produktivno,
11:12
somebody who's built their own business from scratch,
274
672260
3000
netko tko izgrađuje svoje poslovanje iz ničeg,
11:15
someone who is surrounded by abundance,
275
675260
2000
netko okružen obiljem,
11:17
not scarcity,
276
677260
2000
ne oskudnošću,
11:19
who's in fact creating abundance,
277
679260
2000
onaj tko stvara obilje,
11:21
somebody with full hands with something to offer,
278
681260
3000
netko tko ima što za ponuditi,
11:24
not empty hands
279
684260
2000
a ne praznih ruku
11:26
asking for you to give them something.
280
686260
3000
tražeći da im nešto udijelite.
11:29
Imagine if you could hear a story you didn't expect
281
689260
2000
Zamislite da možete čuti priču koju niste očekivali
11:31
of somebody who wakes up every day
282
691260
2000
nekog tko se budi svaki dan
11:33
and works very, very hard to make their life better.
283
693260
3000
i radi vrlo, vrlo marljivo da poboljša svoj život.
11:36
These stories can really change the way that we think about each other.
284
696260
3000
Ove priče stvarno mogu promijeniti način na koji razmišljamo jedni o drugima.
11:39
And if we can catalyze
285
699260
2000
I ako možemo katalizirati
11:41
a supportive community to come around these individuals
286
701260
3000
zajednicu koja podržava ove pojedince
11:44
and to participate in their story
287
704260
2000
i sudjeluje u njihovim pričama
11:46
by lending a little bit of money,
288
706260
2000
posuđujući malo novca,
11:48
I think that can change the way we believe in each other
289
708260
2000
mislim da možemo izmijeniti način na koji vjerujemo jedni drugima
11:50
and each other's potential.
290
710260
2000
i u potencijal drugih.
11:52
Now for me, Kiva is just the beginning.
291
712260
2000
Za mene, Kiva je tek početak.
11:54
And as I look forward to what is next,
292
714260
2000
I kako gledam naprijed u ono što dolazi,
11:56
it's been helpful to reflect on the things I've learned so far.
293
716260
3000
pomoglo mi je prisjetiti se što sam dosad naučila.
11:59
The first one is, as I mentioned, entrepreneurship was a new idea to me.
294
719260
3000
Prvo, kao što sam i bila spomenula, poduzetništvo mi je bila nova ideja.
12:02
Kiva borrowers, as I interviewed them and got to know them over the last few years,
295
722260
3000
Kivini zajmoprimci su me kroz sve ove godine
12:05
have taught me what entrepreneurship is.
296
725260
2000
naučili što je poduzetništvo.
12:07
And I think, at its core, it's deciding that you want your life to be better.
297
727260
3000
I mislim da je, u svojoj srži, to odluka da želiš bolji život.
12:10
You see an opportunity
298
730260
2000
Vidiš priliku
12:12
and you decide what you're going to do to try to seize that.
299
732260
2000
i odlučiš da ćeš je pokušati iskoristiti.
12:14
In short, it's deciding that tomorrow can better than today
300
734260
2000
Ukratko, to je odluka da sutra može biti bolje od danas
12:16
and going after that.
301
736260
2000
i ispunjenje tog cilja.
12:18
Second thing that I've learned is that loans are a very interesting tool for connectivity.
302
738260
3000
Drugo, naučila sam kako su krediti zanimljivo sredstvo spajanja.
12:21
So they're not a donation.
303
741260
2000
Oni nisu donacije.
12:23
Yeah, maybe it doesn't sound that much different.
304
743260
2000
Da, možda vam se ne čini bitno različitim.
12:25
But in fact, when you give something to someone
305
745260
2000
Ali u stvari, kad nekome date nešto
12:27
and they say, "Thanks," and let you know how things go,
306
747260
2000
i oni kažu "Hvala", i kasnije vam jave kako je to prošlo,
12:29
that's one thing.
307
749260
2000
to je jedna stvar.
12:31
When you lend them money, and they slowly pay you back over time,
308
751260
3000
Kad im posudite novac, i oni ga s vremenom polako vraćaju,
12:34
you have this excuse to have an ongoing dialogue.
309
754260
2000
imate izliku za održavanje trajnog dijaloga.
12:36
This continued attention -- this ongoing attention --
310
756260
2000
Ova kontinuirana pažnja, ova neprestana pažnja,
12:38
is a really big deal
311
758260
2000
je stvarno bitna
12:40
to build different kinds of relationships among us.
312
760260
3000
za izgradnju različitih odnosa među nama.
12:43
And then third, from what I've heard from the entrepreneurs I've gotten to know,
313
763260
3000
I treće, prema onom što su mi rekli poduzetnici koje sam upoznala,
12:46
when all else is equal,
314
766260
2000
ako je sve drugo isto,
12:48
given the option to have just money to do what you need to do,
315
768260
3000
ako je izbor da vam netko samo da novac,
12:51
or money plus the support and encouragement
316
771260
3000
ili da dobijete i novac i podršku i poticaj
12:54
of a global community,
317
774260
2000
globalne zajednice,
12:56
people choose the community plus the money.
318
776260
2000
ljudi odabiru zajednicu plus novac.
12:58
That's a much more meaningful combination, a more powerful combination.
319
778260
3000
To je puno smislenija kombinacija, snažnija kombinacija.
13:01
So with that in mind, this particular incident
320
781260
2000
Ako imate to na umu, taj događaj
13:03
has led to the things that I'm working on now.
321
783260
3000
je vodio do stvari na kojima sada radim.
13:06
I see entrepreneurs everywhere now, now that I'm tuned into this.
322
786260
2000
Sada vidim poduzetnike svugdje, sada kada sam u tome.
13:08
And one thing that I've seen
323
788260
2000
I jedna od stvari koje sam vidjela
13:10
is there are a lot of supportive communities that already exist in the world.
324
790260
2000
je da već postoji puno podupirućih zajednica na svijetu.
13:12
With social networks,
325
792260
2000
Društvene mreže
13:14
it's an amazing way, growing the number of people that we all have around us
326
794260
3000
su fantastične, i čine da podupiruće zajednice oko nas
13:17
in our own supportive communities, rapidly.
327
797260
3000
brzo rastu.
13:20
And so, as I have been thinking about this,
328
800260
2000
I tako, dok sam razmišljala o tome
13:22
I've been wondering: how can we engage these supportive communities
329
802260
3000
pitala sam se: kako da uključimo ove podupiruće zajednice
13:25
to catalyze even more entrepreneurial ideas
330
805260
2000
da kataliziraju još više poduzetničkih ideja
13:27
and to catalyze all of us
331
807260
2000
i da kataliziraju sve nas
13:29
to make tomorrow better than today?
332
809260
3000
da postignemo bolje sutra?
13:32
As I've researched what's going on in the United States,
333
812260
2000
Istraživala sam što se događa u Sjedinjenim Državama
13:34
a few interesting little insights have come up.
334
814260
2000
i par zanimljivih stvari se pojavilo.
13:36
So one is that, of course, as we all might expect,
335
816260
3000
Naravno, kao što smo mogli i očekivati,
13:39
many small businesses in the U.S. and all over the world
336
819260
2000
puno malih poduzeća u SAD-u i po cijelom svijetu
13:41
still need money to grow and to do more of what they want to do
337
821260
3000
još uvijek trebaju novac za rast i ispunjenje svojih ciljeva,
13:44
or they might need money during a hard month.
338
824260
2000
ili bi im mogao zatrebati novac u teškim vremenima.
13:46
But there's always a need for resources close by.
339
826260
3000
Uvijek postoji potreba za resursima blizu nas.
13:49
Another thing is, it turns out,
340
829260
2000
Ali, ispostavilo se
13:51
those resources don't usually come from the places you might expect --
341
831260
3000
da ti resursi obično ne dolaze iz mjesta koje bi mogli očekivati -
13:54
banks, venture capitalists,
342
834260
2000
banaka, poduzetničkih kapitalista,
13:56
other organizations and support structures --
343
836260
2000
drugih organizacija i potpornih struktura -
13:58
they come from friends and family.
344
838260
2000
obično dolaze od prijatelja i obitelji.
14:00
Some statistics say 85 percent or more of funding for small businesses
345
840260
2000
Prema nekim statističkim podacima, više od 85 posto sredstava za mala poduzeća
14:02
comes from friends and family.
346
842260
2000
dolazi od prijatelja i obitelji.
14:04
That's around 130 billion dollars a year --
347
844260
2000
Oko 130 milijardi dolara godišnje.
14:06
it's a lot.
348
846260
2000
To je puno.
14:08
And third, so as people are doing this friends and family fundraising process,
349
848260
3000
Treće, kad ljudi prikupljaju novac od obitelji i prijatelja
14:11
it's very awkward, people don't know exactly what to ask for,
350
851260
2000
bude im neugodno, ne znaju točno što tražiti,
14:13
how to ask, what to promise in return,
351
853260
2000
kako tražiti, što obećati zauzvrat,
14:15
even though they have the best of intentions
352
855260
2000
iako imaju najbolju namjeru
14:17
and want to thank those people that are supporting them.
353
857260
3000
i žele zahvaliti ljudima koji ih podupiru.
14:20
So to harness the power of these supportive communities in a new way
354
860260
3000
Kako bi iskoristili moć ovih podupirućih zajednica na nov način
14:23
and to allow entrepreneurs to decide for themselves
355
863260
2000
i dozvolili poduzetnicima da odlučuju za sebe
14:25
exactly what that financial exchange should look like,
356
865260
2000
točno kako ta financijska razmjena treba izgledati,
14:27
exactly what fits them and the people around them,
357
867260
3000
kako će odgovarati njima i ljudima oko njih,
14:30
this week actually,
358
870260
2000
baš ovaj tjedan,
14:32
we're quietly doing a launch of Profounder,
359
872260
2000
potiho pokrećemo Profounder,
14:34
which is a crowd funding platform for small businesses to raise what they need
360
874260
3000
platformu za financiranje malih poduzeća kako bi prikupili potrebna sredstva
14:37
through investments from their friends and family.
361
877260
2000
kroz investicije svojih obitelji i prijatelja.
14:39
And it's investments, not donations, not loans,
362
879260
2000
To su investicije, ne donacije ili pozajmice,
14:41
but investments that have a dynamic return.
363
881260
2000
investicije koje imaju dinamičan povrat.
14:43
So the mapping of participating in the story,
364
883260
2000
Sudjelovanje u ovim pričama
14:45
it actually flows with the up and down.
365
885260
2000
ima svoje uspone i padove.
14:47
So in short, it's a do-it-yourself tool
366
887260
3000
Ukratko, to je alat tipa uradi-sam
14:50
for small businesses to raise these funds.
367
890260
2000
da male firme prikupe potreban kapital.
14:52
And what you can do is go onto the site, create a profile,
368
892260
3000
Možete otići na stranicu, stvoriti profil,
14:55
create investment terms in a really easy way.
369
895260
2000
stvoriti uvijete investiranja na jednostavan način.
14:57
We make it really, really simple for me
370
897260
2000
Napravili smo to jako jednostavno za mene
14:59
as well as anyone else who wants to use the site.
371
899260
2000
kao i za sve koji žele koristiti stranicu.
15:01
And we allow entrepreneurs to share a percentage of their revenues.
372
901260
2000
Omogućavamo poduzetnicima da podijele dio svojih prihoda.
15:03
They can raise up to a million dollars
373
903260
2000
Mogu prikupiti do milijun dolara
15:05
from an unlimited number of unaccredited, unsophisticated investors --
374
905260
3000
od neograničenog broja nestručnih, nesofisticiranih investitora -
15:08
everyday people, heaven forbid --
375
908260
2000
običnih ljudi -
15:10
and they can share those returns over time --
376
910260
2000
i onda dijele te povrate s njima kroz vrijeme -
15:12
again, whatever terms they set.
377
912260
2000
po dogovorenim uvjetima.
15:14
As investors choose to become involved
378
914260
2000
Kako investitori odluče sudjelovati,
15:16
based on those terms,
379
916260
2000
ovisno o tim uvjetima,
15:18
they can either take their rewards back as cash,
380
918260
2000
nagrade mogu podignuti kao gotovinu
15:20
or they can decide in advance
381
920260
2000
ili mogu unaprijed odlučiti
15:22
to give those returns away to a non-profit.
382
922260
2000
da te povrate predaju neprofitnoj organizaciji.
15:24
So they can be a cash, or a cause, investor.
383
924260
3000
Tako da mogu biti investitor za novac ili za dobru stvar.
15:27
It's my hope that this kind of tool can show anybody who has an idea
384
927260
3000
Nadam se da ovakav alat može pokazati svakome s idejom
15:30
a path to go do what they want to do in the world
385
930260
2000
put kako postići ono što žele
15:32
and to gather the people around them that they already have,
386
932260
2000
i skupiti oko sebe ljude koji su već tu,
15:34
the people that know them best
387
934260
2000
ljude koji ih najbolje znaju
15:36
and that love them and want to support them,
388
936260
2000
i koji ih vole i žele ih poduprijeti,
15:38
to gather them to make this happen.
389
938260
2000
skupiti ih i ostvariti to.
15:40
So that's what I'm working on now.
390
940260
2000
Na tome sad radim.
15:42
And to close, I just want to say, look these are tools.
391
942260
2000
I za kraj, želim samo reći da pogledate ove alate.
15:44
Right now, Profounder's right at the very beginning,
392
944260
2000
Trenutno, Profounder je na samom početku
15:46
and it's very palpable; it's very clear to me, that it's just a vessel, it's just a tool.
393
946260
3000
i jasno mi je kako je to samo sredstvo, samo alat.
15:49
What we need are for people to care, to actually go use it,
394
949260
3000
Ono što želimo je da ljudima bude stalo da ga koriste,
15:52
just like they've cared enough to use Kiva
395
952260
2000
kao što im je bilo dovoljno stalo da koriste Kivu
15:54
to make those connections.
396
954260
2000
i da stvore te veze.
15:56
But the good news is I don't think I need to stand here and convince you to care --
397
956260
2000
Ali, dobra vijest je da ne mislim da vam trebam reći da vam bude stalo.
15:58
I'm not even going to try.
398
958260
2000
Neću ni pokušati.
16:00
I don't think, even though we often hear,
399
960260
2000
Ne mislim, iako to često čujemo
16:02
you know, hear the ethical and moral reasons,
400
962260
2000
poslušajte etičke i moralne razloge,
16:04
the religious reasons,
401
964260
2000
religiozne razloge,
16:06
"Here's why caring and giving will make you happier."
402
966260
3000
"Evo zašto će vas briga i davanje učiniti sretnima."
16:09
I don't think we need to be convinced of that. I think we know;
403
969260
3000
Ne mislim da vas treba uvjeriti u to. Mislim da znamo.
16:12
in fact, I think we know so much,
404
972260
2000
Štoviše, mislim da to toliko znamo,
16:14
and it's such a reality
405
974260
2000
to nam je toliko stvarno
16:16
that we care so deeply,
406
976260
2000
da nam je toliko duboko stalo,
16:18
that in fact, what usually stops us
407
978260
2000
da nas, u stvari, to sprječava
16:20
is that we're afraid to try and to mess up,
408
980260
2000
što smo uplašeni da pokušamo i zabrljamo,
16:22
because we care so very much about helping each other
409
982260
2000
jer nam je toliko stalo da pomognemo jedni drugima
16:24
and being meaningful in each other's lives.
410
984260
3000
i budemo smisleni jedni drugima u životu.
16:27
So what I think I can do today,
411
987260
3000
Ono što mislim da mogu napraviti danas,
16:30
that best thing I can give you --
412
990260
2000
najbolje što vam mogu dati -
16:32
I've given you my story, which is the best I can do.
413
992260
2000
je moja priča, to je najviše što mogu.
16:34
And I think I can remind us that we do care.
414
994260
3000
I mislim da nas mogu podsjetiti da nam je stalo.
16:37
I think we all already know that.
415
997260
2000
Ali mislim da to već znamo.
16:39
And I think we know that love is resilient enough
416
999260
3000
I znamo kako je ljubav dovoljno otporna
16:42
for us to get out there and try.
417
1002260
2000
da krenemo i pokušamo.
16:45
Just a sec.
418
1005260
2000
Samo trenutak.
16:51
(Applause)
419
1011260
2000
(Pljesak)
16:53
Thanks.
420
1013260
2000
Hvala.
16:55
(Applause)
421
1015260
10000
(Pljesak)
17:05
Thanks.
422
1025260
2000
Hvala.
17:07
(Applause)
423
1027260
2000
(Pljesak)
17:09
For me, the best way to be inspired to try
424
1029260
3000
Za mene, najbolje način da budem inspirirana da pokušam
17:12
is to stop and to listen
425
1032260
2000
je stati i poslušati
17:14
to someone else's story.
426
1034260
2000
nečiju priču.
17:16
And I'm grateful that I've gotten to do that here at TED.
427
1036260
3000
I zahvalna sam što sam mogla to učiniti na TED-u.
17:19
And I'm grateful that whenever I do that,
428
1039260
3000
Zahvalna sam što, kad god to napravim,
17:22
guaranteed, I am inspired --
429
1042260
2000
uvijek sam nadahnuta,
17:24
I am inspired by the person I am listening to.
430
1044260
3000
nadahnuta sam osobom koju slušam.
17:27
And I believe more and more every time I listen
431
1047260
3000
I vjerujem sve više svaki put kad slušam
17:30
in that that person's potential to do great things in the world
432
1050260
3000
u potencijal te osobe da učini velike stvari u svijetu
17:33
and in my own potential to maybe help.
433
1053260
3000
i u moj potencijal da možda pomognem.
17:36
And that --
434
1056260
2000
I to -
17:38
forget the tools, forget the moving around of resources --
435
1058260
2000
zaboravite na alate, preslagivanje resursa -
17:40
that stuff's easy.
436
1060260
2000
to je lako.
17:42
Believing in each other,
437
1062260
2000
Vjerovanje u druge,
17:44
really being sure when push comes to shove
438
1064260
2000
doista biti siguran kad je situacija teška
17:46
that each one of us can do amazing things in the world,
439
1066260
3000
da svatko od nas može učiniti divne stvari na svijetu,
17:49
that is what can make our stories into love stories
440
1069260
3000
to može naše priče pretvoriti u ljubavne priče
17:52
and our collective story
441
1072260
2000
i našu zajedničku priču
17:54
into one that continually perpetuates hope
442
1074260
2000
u jednu koja trajno produljuje nadu
17:56
and good things for all of us.
443
1076260
2000
da dobre stvari čekaju sve nas.
17:58
So that, this belief in each other,
444
1078260
2000
Ova vjera jednih u druge,
18:00
knowing that without a doubt
445
1080260
2000
znajući bez sumnje
18:02
and practicing that every day in whatever you do,
446
1082260
2000
i to prakticirajući svaki dan u svemu što radite,
18:04
that's what I believe will change the world and make tomorrow better than today.
447
1084260
3000
to je ono što mislim da će promijeniti svijet i učiniti da sutra bude bolje nego danas.
18:07
Thank you.
448
1087260
2000
Hvala.
18:09
(Applause)
449
1089260
17000
(Pljesak)
O ovoj web stranici

Ova stranica će vas upoznati s YouTube videozapisima koji su korisni za učenje engleskog jezika. Vidjet ćete lekcije engleskog koje vode vrhunski profesori iz cijelog svijeta. Dvaput kliknite na engleske titlove prikazane na svakoj video stranici da biste reproducirali video s tog mjesta. Titlovi se pomiču sinkronizirano s reprodukcijom videozapisa. Ako imate bilo kakvih komentara ili zahtjeva, obratite nam se putem ovog obrasca za kontakt.

https://forms.gle/WvT1wiN1qDtmnspy7