Jessica Jackley: Poverty, money -- and love

162,012 views ・ 2010-10-18

TED


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翻译人员: sihua ding 校对人员: Jenny Yang
00:16
The stories we tell about each other
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我们互相讲述的故事
00:18
matter very much.
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非常重要
00:21
The stories we tell ourselves about our own lives matter.
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我们谈论与自己生活相关故事是有意义的
00:24
And most of all,
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而我认为最重要的是
00:26
I think the way that we participate in each other's stories
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我们参与到他人故事的方式
00:28
is of deep importance.
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才是至关重要的
00:31
I was six years old
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我六岁时
00:33
when I first heard stories about the poor.
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当我第一次听到关于穷人的故事的时候
00:35
Now I didn't hear those stories from the poor themselves,
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我并没有直接从穷人口中听到这些故事
00:37
I heard them from my Sunday school teacher
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我从教堂周日学校的老师那里听到这些故事
00:40
and Jesus, kind of via my Sunday school teacher.
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和耶稣,也就是这些老师那里
00:43
I remember learning that people who were poor
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我记得我学到了穷人
00:46
needed something material --
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需要物质帮助
00:48
food, clothing, shelter -- that they didn't have.
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如食物,衣服,住处,那些他们没有的
00:50
And I also was taught, coupled with that,
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我还学到了
00:53
that it was my job -- this classroom full of five and six year-old children --
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我们这些五六岁的孩子应该做的是
00:56
it was our job, apparently, to help.
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很明显,去帮助
00:58
This is what Jesus asked of us.
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这也是耶稣需要我们做的
01:00
And then he said, "What you do for the least of these, you do for me."
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他还说,你为他们做的就是为我做的
01:03
Now I was pretty psyched.
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现在, 我被极大的鼓舞了
01:05
I was very eager to be useful in the world --
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我非常热切地希望自己能向世界证明自己的意义
01:07
I think we all have that feeling.
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相信我们都有这样的感觉
01:09
And also, it was kind of interesting that God needed help.
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此外,有意思的是上帝也需要帮助
01:11
That was news to me,
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那对我来说真是个新闻
01:13
and it felt like it was a very important thing to get to participate in.
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而且,这是貌似一个很重要的事情值得我们参与
01:15
But I also learned very soon thereafter
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但是自从耶稣说了那句话之后,我也很快地理解了耶稣所说
01:17
that Jesus also said, and I'm paraphrasing,
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那我同时将其释义为
01:19
the poor would always be with us.
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贫穷和我们同在
01:21
This frustrated and confused me;
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这让我沮丧和迷惑
01:23
I felt like I had been just given a homework assignment
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我感觉我被安排了一个
01:25
that I had to do, and I was excited to do,
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不得不做的同时令人振奋的作业
01:27
but no matter what I would do, I would fail.
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但是不论我做什么,我都会失败
01:30
So I felt confused, a little bit frustrated and angry,
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因此我感到迷茫,有点郁闷以及恼怒
01:33
like maybe I'd misunderstood something here.
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好像我似乎误解了这里的一些东西
01:35
And I felt overwhelmed.
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同时我感到了压力
01:37
And for the first time,
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这也是第一次
01:39
I began to fear this group of people
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我开始害怕一类人群
01:41
and to feel negative emotion towards a whole group of people.
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并对这一人群有负面的情绪
01:44
I imagined in my head, a kind of long line of individuals
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我的脑袋里呈现出这些人组成的长队
01:47
that were never going away, that would always be with us.
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这个长队将一直伴随我们,永不会离去
01:49
They were always going to ask me to help them and give them things,
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他们会总是不停地要求我的帮助,要求我给他们东西
01:52
which I was excited to do,
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这些虽然都是我喜欢做的
01:54
but I didn't know how it was going to work.
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但是我并不知道将来会发生什么
01:56
And I didn't know what would happen when I ran out of things to give,
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我不知道但我无物可给的时候将会发生什么
02:01
especially if the problem was never going away.
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特别是这个问题永远不会离去
02:03
In the years following,
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几年之后
02:05
the other stories I heard about the poor growing up
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我听到一些其他的故事关于减贫
02:07
were no more positive.
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并不是那么积极
02:09
For example, I saw pictures and images
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例如,我曾经看到了令人悲伤和苦恼的
02:12
frequently of sadness and suffering.
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一些照片和图像
02:14
I heard about things that were going wrong in the lives of the poor.
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我听到穷人生活的不尽如人意
02:17
I heard about disease, I heard about war --
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关于疾病,关于战争
02:19
they always seemed to be kind of related.
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似乎这些都是和贫穷相关联的
02:21
And in general,
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总的来说
02:23
I got this sort of idea
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我有个这样的想法
02:25
that the poor in the world lived lives
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穷人生活的世界
02:27
that were wrought with suffering and sadness,
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充满悲伤,充满苦闷
02:29
devastation, hopelessness.
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充满破坏,充满绝望
02:32
And after a while, I developed what I think many of us do,
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在那之后,我想到我们大家的感觉
02:34
is this predictable response,
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就是这个可预知的回应
02:36
where I started to feel bad every time I heard about them.
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当我每次听到穷人时,我开始感觉不舒服
02:39
I started to feel guilty for my own relative wealth,
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由于我的相对富裕让我开始感觉到罪恶
02:42
because I wasn't doing more, apparently, to make things better.
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很明显的是因为我没有尽我所能把事情做得更好
02:45
And I even felt a sense of shame because of that.
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因此,我感到羞愧
02:48
And so naturally,
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自然地
02:50
I started to distance myself.
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我开始疏远我自己
02:52
I stopped listening to their stories
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我不再像以前一样细心地倾听
02:54
quite as closely as I had before.
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他们的故事
02:56
And I stopped expecting things to really change.
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我不再期望事情能真正有所改变
02:59
Now I still gave -- on the outside it looked like I was still quite involved.
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我还是会给予。表面看来,我似乎还在继续参与
03:02
I gave of my time and my money,
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给予我的时间和金钱
03:04
I gave when solutions were on sale.
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我给予的都是廉价的方案
03:06
The cost of a cup of coffee can save a child's life, right.
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一杯咖啡就是救一个孩子的命,是这样的
03:08
I mean who can argue with that?
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我的意思是谁能说那是错的呢?
03:10
I gave when I was cornered, when it was difficult to avoid
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当我无路可退时,当我难以推辞时,我才给予
03:13
and I gave, in general, when the negative emotions built up enough
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总体来说,负面情绪驱使我给予
03:16
that I gave to relieve my own suffering,
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我的给予是为了减轻我自己的烦恼
03:18
not someone else's.
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而不是其他人的
03:20
The truth be told, I was giving out of that place,
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确实,我离开了那里地方
03:23
not out of a genuine place of hope
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但我并没有远离希望之地
03:26
and excitement to help and of generosity.
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没有远离帮助他人和慷慨解囊的兴奋
03:28
It became a transaction for me,
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它变成了我的一个转折点
03:30
became sort of a trade.
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变成了一种交易
03:32
I was purchasing something --
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我是在购买什么东西
03:34
I was buying my right to go on with my day
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我是在购买我继续生存
03:37
and not necessarily be bothered by this bad news.
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且不被这些糟糕新闻烦恼的权利
03:40
And I think the way that we go through that sometimes
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我认为我们采用的这种方法,有时候
03:43
can, first of all,
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首先能够
03:45
disembody a group of people, individuals out there in the world.
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让一部分人或者一些个体灵魂出窍
03:48
And it can also turn into a commodity,
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这种想法也能够变成一种商品
03:50
which is a very scary thing.
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一种令人恐怖的东西
03:52
So as I did this, and as I think many of us do this,
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就是正如我所说所想
03:55
we kind of buy our distance,
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我们好像在购买我们之间的距离
03:57
we kind of buy our right to go on with our day.
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我们好像在购买我们继续生活的权利
03:59
I think that exchange can actually get in the way of the very thing that we want most.
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我想这种交易事实上阻碍了我们得到我们最想得到的东西
04:02
It can get in the way of our desire
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阻碍了我们的愿望
04:04
to really be meaningful and useful in another person's life
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就是给予对他人真正有意义和有用的东西
04:07
and, in short to love.
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即,去爱
04:10
Thankfully, a few years ago, things shifted for me
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欣慰地是,几年之后,我被改变了
04:12
because I heard this gentleman speak, Dr. Muhammad Yunus.
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因为我听了穆罕默德·尤努斯博士的演讲
04:15
I know many in the room probably know exactly who he is,
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在座大部分人也许知道他是谁
04:18
but to give the shorthand version
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但我还是想给没有听说过他的人
04:20
for any who have not heard him speak,
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做个简短的叙述
04:22
Dr. Yunus won the Nobel Peace Prize a few years ago
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尤努斯博士在几年前获得了诺贝尔和平奖
04:24
for his work pioneering modern microfinance.
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因为他在现代微金融领域所做的先驱工作
04:27
When I heard him speak, it was three years before that.
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在他获得诺贝尔和平奖三年之前,我就听了他的演讲
04:30
But basically, microfinance -- if this is new to you as well --
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如果你对微金融是陌生的,基本上,它可以
04:33
think of that as financial services for the poor.
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理解为给穷人提供的金融服务
04:35
Think of all the things you get at your bank
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就是,所有你在银行里
04:37
and imagine those products and services
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可以获得的以及可以想到的
04:39
tailored to the needs of someone living on a few dollars a day.
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针对每天只有几美元生活费的人所提供的产品和服务
04:41
Dr. Yunus shared his story,
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尤努斯博士分享了他的故事
04:43
explaining what that was,
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阐述了事情的原貌
04:45
and what he had done with his Grameen Bank.
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以及他和他的格莱珉银行所做到的
04:47
He also talked about, in particular, microlending,
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他也讲到了,特别是,微信贷
04:49
which is a tiny loan
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即,能够帮助人们创业和企业发展的
04:51
that could help someone start or grow a business.
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微型贷款
04:53
Now, when I heard him speak, it was exciting for a number of reasons.
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他的演讲有如下几点原因让我感到兴奋
04:56
First and foremost, I learned about this new method of change in the world
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第一,我学到了一种新的方法来改变世界
04:59
that, for once, showed me, maybe,
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其曾经向我展示了
05:01
a way to interact with someone
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一种和他人互动的方式
05:03
and to give, to share of a resource in a way that wasn't weird
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并且给出一种让人不感到怪异的分享资源的方式
05:05
and didn't make me feel bad --
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同时,这种方式不让我感到难堪
05:08
that was exciting.
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很不错
05:10
But more importantly, he told stories about the poor
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但更重要的是,他讲述关于穷人的故事
05:13
that were different than any stories I had heard before.
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和我以前听到的故事有很多不同
05:15
In fact, those individuals he talked about who were poor was sort of a side note.
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事实上,以前听到的穷人在各方面都是弱势的
05:19
He was talking about strong, smart,
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但他所讲的穷人是
05:21
hardworking entrepreneurs who woke up every day
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坚强,聪明,刻苦的企业家们
05:24
and were doing things to make their lives and their family's lives better.
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这些企业家起早贪黑,努力地工作为了让他们和他们家人有更好的生活
05:27
All they needed to do that more quickly and to do it better
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他们只需少量的资金就能更快地,更好地拥有
05:30
was a little bit of capital.
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他们理想的生活
05:32
It was an amazing sort of insight for me.
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这对我来说是一个令人惊叹的见解
05:34
And I, in fact, was so deeply moved by this --
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事实上,我被这个见解真真的打动了
05:36
it's hard to express now how much that affected me --
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很难表达这个观点对我有多大的影响
05:39
but I was so moved that I actually quit my job a few weeks later,
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不论如何,我确实被打动了。我也的确在几周后放弃了我的工作
05:42
and I moved to East Africa
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继而搬迁到了东非
05:44
to try to see for myself what this was about.
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就是想亲自看看情况
05:46
For the first time, actually, in a long time
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这么长时间里,这是确实是第一次,
05:48
I wanted to meet those individuals, I wanted to meet these entrepreneurs,
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我想见到这些人,我想去见这些企业家
05:51
and see for myself what their lives were actually about.
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并亲自看看他们真实的生活
05:54
So I spent three months in Kenya, Uganda and Tanzania
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因此,我在肯尼亚,乌干达,坦桑尼亚呆了3个月
05:57
interviewing entrepreneurs that had received 100 dollars
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和那些企业家们进行了交流
05:59
to start or grow a business.
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就是用100美元贷款创业或者拓展业务的企业家们
06:01
And in fact, through those interactions,
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事实上,通过这些交流
06:03
for the first time, I was starting to get to be friends
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我第一次开始和这些各色各样的
06:05
with some of those people in that big amorphous group out there
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原先本来远离我的
06:08
that was supposed to be far away.
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人们成了朋友
06:11
I was starting to be friends and get to know their personal stories.
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我开始不断地交朋友
06:14
And over and over again,
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并了解到他们的个人生活
06:16
as I interviewed them and spent my days with them,
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我和他们交谈并且他们在一起待几天
06:18
I did hear stories of life change
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我的确听到了他们生活改变的故事
06:20
and amazing little details of change.
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以及那些令人惊叹的生活细节改变
06:22
So I would hear from goat herders
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因此,我希望能够听到
06:24
who had used that money that they had received to buy a few more goats.
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那些牧羊人能够用他们得到的贷款去买更多的山羊
06:27
Their business trajectory would change.
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他们的商业轨迹改变了
06:29
They would make a little bit more money;
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他们能够赚更多的钱
06:31
their standard of living
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他们的生活质量
06:33
would shift and would get better.
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改变了,并变的更好了
06:35
And they would make really interesting little adjustments in their lives,
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他们能够对他们的生活做些细小的但卓有意义的调整
06:38
like they would start to send their children to school.
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比如,他们可以开始把他们的孩子送去学校
06:40
They might be able to buy mosquito nets.
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他们可以买蚊帐
06:42
Maybe they could afford a lock for the door and feel secure.
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也许他们可以买得起一个门锁让他们感到更安全
06:45
Maybe it was just that they could put sugar in their tea
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也许,仅仅是他们可以在他们的茶里放糖
06:47
and offer that to me when I came as their guest
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当我做客时来款待我
06:49
and that made them feel proud.
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这让他们感到自豪
06:51
But there were these beautiful details, even if I talked to 20 goat herders in a row,
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即使我和20个不同的牧羊人聊天,也会有很多美丽的细节。
06:54
and some days that's what happened --
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相信总有一天
06:56
these beautiful details of life change
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这些美丽的令生活改变的细节
06:58
that were meaningful to them.
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对他们来说是意义非凡的
07:00
That was another thing that really touched me.
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这是另一个令我触动的事情
07:02
It was really humbling to see for the first time,
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这是我第一次谦虚的感受到
07:04
to really understand
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以至于确实懂得
07:06
that even if I could have taken a magic wand and fixed everything,
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即使我会用魔法棒并能够修好所有东西
07:09
I probably would have gotten a lot wrong.
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但是我也很有可能把事情搞砸
07:11
Because the best way for people to change their lives
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因为让人们改变生活的最好的方式
07:14
is for them to have control and to do that in a way that they believe is best for them.
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就是让他们自己去控制并按照他们自己认为最佳的方式进行
07:17
So I saw that and it was very humbling.
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我看到了这一点,我感到那是很震撼人心的
07:20
Anyway, another interesting thing happened while I was there.
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此外,还有一件事情很有意思
07:23
I never once was asked for a donation,
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我从未被要求捐助
07:26
which had kind of been my mode, right.
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这似乎是我的作风,是吧?
07:28
There's poverty, you give money to help --
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这里有贫困,你该给予金钱的帮助
07:30
no one asked me for a donation.
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没有人请求我来捐款
07:32
In fact, no one wanted me to feel bad for them at all.
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事实上,没有人想让我怜悯他们
07:35
If anything, they just wanted to be able to do more of what they were doing already
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他们只是想把自己的事业做得更好
07:37
and to build on their own capabilities.
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同时加强他们自己的能力
07:39
So what I did hear, once in a while,
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因此,我一直听到的是
07:41
was that people wanted a loan --
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人们需要贷款
07:43
I thought that sounded very reasonable and really exciting.
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我认为这听起来很合理并真的很令人激动
07:46
And by the way, I was a philosophy and poetry major in school,
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顺便说一下,我在大学里学的是哲学和诗歌
07:49
so I didn't know the difference between profit and revenue when I went to East Africa.
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因此我在东非时并不懂利润和销售的区别
07:52
I just got this impression that the money would work.
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我留下的印象是,钱就可以帮助他们
07:55
And my introduction to business
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我的业务开端
07:57
was in these $100 little infuses of capital.
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就是这些100美元的资金注入
08:00
And I learned about profit and revenue, about leverage, all sorts of things,
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我学到了利润,销售,杠杆和相关的知识
08:03
from farmers, from seamstresses, from goat herders.
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从农民,缝纫女工,牧羊人那里
08:06
So this idea
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将这个想法
08:08
that these new stories of business and hope
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这些商业和希望的新奇故事
08:11
might be shared with my friends and family,
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和我的朋友和家人分享
08:13
and through that, maybe we could get some of the money that they needed
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以此,我们就能够得到他们需要的钱
08:17
to be able to continue their businesses as loans,
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这些钱作为贷款让他们继续他们的事业
08:20
that's this little idea that turned into Kiva.
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就是这样的一个点子变成了Kiva
08:22
A few months later, I went back to Uganda
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几个月之后,我回到了乌干达
08:24
with a digital camera and a basic website
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带着数码相机和一个很简单的网站
08:27
that my partner, Matthew, and I had kind of built,
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我和我的合作伙伴,Matthew一起做的
08:29
and took pictures of seven of my new friends,
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然后给我的七个新朋友照了些照片
08:32
posted their stories, these stories of entrepreneurship, up on the website,
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并在网上贴出了他们的创业故事
08:36
spammed friends and family and said, "We think this is legal.
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随后疯狂地给朋友和家人发,并声称“我们没犯法”
08:38
Haven't heard back yet from SEC on all the details,
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虽然还没有从证监会那里得到反馈
08:41
but do you say, do you want to help participate in this,
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但是你觉得怎么样,想参与下么?
08:43
provide the money that they need?"
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给需要钱的人提供资金?
08:45
The money came in basically overnight.
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这些钱当天晚上就发过来了
08:47
We sent it over to Uganda.
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我们就发给乌干达
08:49
And over the next six months, a beautiful thing happened;
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六个月之后,美妙是事情发生了
08:51
the entrepreneurs received the money,
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这些企业家支付了他们的借款
08:53
they were paid, and their businesses, in fact, grew,
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同时他们的事业也蒸蒸日上
08:56
and they were able to support themselves
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他们能够丰衣足食了
08:58
and change the trajectory of their lives.
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他们的生活轨迹改变了
09:01
In October of '05,
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2005年十月份
09:03
after those first seven loans were paid,
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在这七笔贷款都返还后
09:05
Matt and I took the word beta off of the site.
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Matt和我取消了网页上的beta标志(测试期)
09:07
We said, "Our little experiment has been a success.
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我们认为:这个小测验取得了成功
09:09
Let's start for real." That was our official launch.
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我们开始正式运营这个网站
09:12
And then that first year, October '05 through '06,
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在这之后的第一年,即2005年十月至2006年十月
09:14
Kiva facilitated $500,000 in loans.
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Kiva协助了50万美元的贷款
09:17
The second year, it was a total of 15 million.
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第二年,总额变成了1500万美元
09:20
The third year, the total was up to around 40.
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第三年,到了4000万
09:22
The fourth year, we were just short of 100.
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第四年,差不多1个亿了
09:24
And today, less than five years in,
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至今,不到五年时间里
09:26
Kiva's facilitated
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Kiva协助了
09:28
more than 150 million dollars, in little 25-dollar bits,
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超过1.5亿美元的贷款,这可都是一个个25美元积累出来的哦
09:31
from lenders and entrepreneurs --
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这些钱来自放贷人和企业家们
09:33
more than a million of those, collectively in 200 countries.
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他们来自世界200个国家
09:35
So that's where Kiva is today, just to bring you right up to the present.
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这就是你今天看到的Kiva
09:38
And while those numbers and those statistics
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这些数字和统计结果
09:40
are really fun to talk about and they're interesting,
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对我来说很有趣也很有意思
09:43
to me, Kiva's really about stories.
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对我来说,Kiva充满了故事
09:46
It's about retelling
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它重述着
09:48
the story of the poor,
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穷人的故事
09:50
and it's about giving ourselves
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以及给他们
09:52
an opportunity to engage
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一个机会来积极参与并承担责任
09:54
that validates their dignity,
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这证明了他们的尊严
09:56
validates a partnership relationship,
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证明了一种合作的关系
09:58
not a relationship that's based
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而不是以前那种基于
10:00
on the traditional sort of donor beneficiary
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捐款人和受款人
10:03
weirdness that can happen.
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那种古怪的关系
10:05
But instead a relationship that can promote respect
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现在的这种合作关系促进了尊敬
10:08
and hope
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和希望
10:10
and this optimism
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还有就是这种乐观向上的精神
10:12
that together we can move forward.
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让我们携手共进
10:15
So what I hope is that,
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我希望
10:17
not only can the money keep flowing forth through Kiva --
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这些钱不仅能够通过Kiva流动
10:19
that's a very positive and meaningful thing --
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那是非常积极的和有意义的事情
10:21
but I hope Kiva can blur those lines, like I said,
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而且我希望Kiva能够模糊
10:23
between the traditional rich and poor categories
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传统的富裕和贫穷之间的界限
10:25
that we're taught to see in the world,
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也就是我们小时候所认为的世界
10:27
this false dichotomy of us and them, have and have not.
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这个错误的二分法将世界分隔成我们和他们, 有产和无产
10:30
I hope that Kiva can blur those lines.
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我希望Kiva能够模糊这种界限
10:32
Because as that happens,
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因为,当其发生时
10:34
I think we can feel free to interact
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我想我们能够自由地交流
10:36
in a way that's more open, more just and more creative,
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以更开放,更公正,更有创造力的方式
10:39
to engage with each other and to help each other.
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来相互激励,相互帮助
10:42
Imagine how you feel
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想象一下你的感觉
10:44
when you see somebody on street who is begging
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当你看到一个人在街上乞讨时
10:47
and you're about to approach them.
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而你又向他走去
10:49
Imagine how you feel;
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想象一下你自己的感觉
10:51
and then imagine the difference when you might see somebody
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这个人的不同的情形
10:53
who has a story of entrepreneurship and hard work
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这个人的创业故事和他所做的努力
10:56
who wants to tell you about their business.
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这个人期望谈论他们的事业
10:59
Maybe they're smiling, and they want to talk to you about what they've done.
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他们微笑着谈论他们的成就
11:02
Imagine if you're speaking with somebody
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试想,如果你正在
11:04
who's growing things and making them flourish,
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事业蓬勃向上的人交谈
11:07
somebody who's using their talents
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某人用他的智慧
11:10
to do something productive,
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卓有成效地工作
11:12
somebody who's built their own business from scratch,
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某人从零开始创业
11:15
someone who is surrounded by abundance,
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他能够丰衣足食
11:17
not scarcity,
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并远离贫穷
11:19
who's in fact creating abundance,
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他确实在创造富足
11:21
somebody with full hands with something to offer,
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他手上有东西可以奉献
11:24
not empty hands
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而不是两手空空地
11:26
asking for you to give them something.
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向你索要东西
11:29
Imagine if you could hear a story you didn't expect
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试想,如果你能够听到你期望听到的故事
11:31
of somebody who wakes up every day
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某人每天起床
11:33
and works very, very hard to make their life better.
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工作努力,生活蒸蒸日上
11:36
These stories can really change the way that we think about each other.
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这些故事确实能够改变我们思考对方的方式
11:39
And if we can catalyze
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如果我们能催化出
11:41
a supportive community to come around these individuals
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一个支持性的社区来帮助这些人
11:44
and to participate in their story
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来参与他们的故事
11:46
by lending a little bit of money,
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给他们提供一点钱
11:48
I think that can change the way we believe in each other
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我想那就能改变我们互信的方式
11:50
and each other's potential.
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以及相互的潜力
11:52
Now for me, Kiva is just the beginning.
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现在对我来说,Kiva只是刚刚开始
11:54
And as I look forward to what is next,
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当我寻找下一个目标时
11:56
it's been helpful to reflect on the things I've learned so far.
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我至今学到的这些是非常有帮助的
11:59
The first one is, as I mentioned, entrepreneurship was a new idea to me.
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第一就是,我所提到的,创业是新观点
12:02
Kiva borrowers, as I interviewed them and got to know them over the last few years,
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Kiva的借款人,在我和他们交谈时,在我了解他们几年后
12:05
have taught me what entrepreneurship is.
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他们教会我什么是创业
12:07
And I think, at its core, it's deciding that you want your life to be better.
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我认为,它的核心是一种让生活更美好的决心
12:10
You see an opportunity
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你看到了机会
12:12
and you decide what you're going to do to try to seize that.
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你决定去做些什么来把握机会
12:14
In short, it's deciding that tomorrow can better than today
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即,明天会更好
12:16
and going after that.
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并持续这种信念
12:18
Second thing that I've learned is that loans are a very interesting tool for connectivity.
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第二件事就是,这些贷款是很有意思的交流工具
12:21
So they're not a donation.
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他们不是为了捐款
12:23
Yeah, maybe it doesn't sound that much different.
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是的,好像听起来差不多
12:25
But in fact, when you give something to someone
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但事实上,当你给予时
12:27
and they say, "Thanks," and let you know how things go,
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他们说谢谢并告诉你事情的发展
12:29
that's one thing.
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那仅是一方面
12:31
When you lend them money, and they slowly pay you back over time,
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当你借钱时,他们慢慢地还钱
12:34
you have this excuse to have an ongoing dialogue.
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你有了借口来持续对话
12:36
This continued attention -- this ongoing attention --
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这种持续性的关注,不断发展的关注
12:38
is a really big deal
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才是至关重要的
12:40
to build different kinds of relationships among us.
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这建立起我们之间的各种不同的关系
12:43
And then third, from what I've heard from the entrepreneurs I've gotten to know,
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第三,我从这些企业家那里学到了我该知道的东西
12:46
when all else is equal,
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在同等情况下
12:48
given the option to have just money to do what you need to do,
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一个选择是仅仅给他们钱,让他们做他们需要做的事情
12:51
or money plus the support and encouragement
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另一个选择是钱以及来自全球的
12:54
of a global community,
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支持和鼓励
12:56
people choose the community plus the money.
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人们选择的是第二个
12:58
That's a much more meaningful combination, a more powerful combination.
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这是一个更加有意义的组合,更有力量的组合
13:01
So with that in mind, this particular incident
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有了那样的想法,这特别的需求
13:03
has led to the things that I'm working on now.
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引导出了我现在所做的
13:06
I see entrepreneurs everywhere now, now that I'm tuned into this.
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我看到了各个地方的企业家们,是我乐于看到的
13:08
And one thing that I've seen
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我还看到了一件事
13:10
is there are a lot of supportive communities that already exist in the world.
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世界上已经有很多支持性社区存在了
13:12
With social networks,
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通过社交网络
13:14
it's an amazing way, growing the number of people that we all have around us
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一种令人惊奇的方式,让和我们有共同目标的人的数量
13:17
in our own supportive communities, rapidly.
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在我们的支持性社区里迅速增长
13:20
And so, as I have been thinking about this,
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也因此,我曾想过这些
13:22
I've been wondering: how can we engage these supportive communities
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我一直在想,如何我们能够激励这些支持性社区
13:25
to catalyze even more entrepreneurial ideas
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去催化更多的创业点子
13:27
and to catalyze all of us
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去催化更多像我们一样的人
13:29
to make tomorrow better than today?
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让明天更美好呢
13:32
As I've researched what's going on in the United States,
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我研究了一些在美国发生的事情
13:34
a few interesting little insights have come up.
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几个很有意思的事情
13:36
So one is that, of course, as we all might expect,
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其中一个是,当然,众望所归
13:39
many small businesses in the U.S. and all over the world
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很多美国的和世界范围内的小企业
13:41
still need money to grow and to do more of what they want to do
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仍旧需要资金来成长和扩张
13:44
or they might need money during a hard month.
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或者他们需要资金度过某个艰难时期
13:46
But there's always a need for resources close by.
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对资源的需求总是存在的
13:49
Another thing is, it turns out,
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但是
13:51
those resources don't usually come from the places you might expect --
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这些资源通常不是来源于你所期望的地方
13:54
banks, venture capitalists,
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比如银行,风投
13:56
other organizations and support structures --
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或者一些组织和支持性结构
13:58
they come from friends and family.
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这些资源来自于朋友和家庭
14:00
Some statistics say 85 percent or more of funding for small businesses
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一些数据显示85%或更多的小企业的资金
14:02
comes from friends and family.
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来源于朋友和家庭
14:04
That's around 130 billion dollars a year --
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每年大概有1300亿美元
14:06
it's a lot.
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很多啊
14:08
And third, so as people are doing this friends and family fundraising process,
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第三,对于这些从朋友和家庭来筹集资金的人们
14:11
it's very awkward, people don't know exactly what to ask for,
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是很尴尬的,他们不知道怎么开口
14:13
how to ask, what to promise in return,
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也不知道怎么来担保回报
14:15
even though they have the best of intentions
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即使他们有最佳的计划
14:17
and want to thank those people that are supporting them.
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并想感谢这些帮助他们的人们
14:20
So to harness the power of these supportive communities in a new way
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因此,以一种全新的方式来使用支持性社区的力量
14:23
and to allow entrepreneurs to decide for themselves
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并让企业家自己去决定
14:25
exactly what that financial exchange should look like,
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是什么样的金融交易的方式
14:27
exactly what fits them and the people around them,
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以及他们所适合的和他们周围的人
14:30
this week actually,
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事实上,这周
14:32
we're quietly doing a launch of Profounder,
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我们低调地启动了Profounder
14:34
which is a crowd funding platform for small businesses to raise what they need
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一个“众筹”平台让他们朋友和家人投资
14:37
through investments from their friends and family.
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这些小企业
14:39
And it's investments, not donations, not loans,
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这些投资不是捐款,也不是贷款
14:41
but investments that have a dynamic return.
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而是具有动态回报的投资
14:43
So the mapping of participating in the story,
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这个“故事”的映射
14:45
it actually flows with the up and down.
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事实上,时上时下
14:47
So in short, it's a do-it-yourself tool
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基本上,这是一个自己动手的工具
14:50
for small businesses to raise these funds.
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用于小企业融资
14:52
And what you can do is go onto the site, create a profile,
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你所要做的就是浏览这个网站,然后建立主页
14:55
create investment terms in a really easy way.
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以简单明了的方式建立投资条款
14:57
We make it really, really simple for me
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我们要让它简明扼要
14:59
as well as anyone else who wants to use the site.
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也让其他用这个网站的人觉得简明扼要
15:01
And we allow entrepreneurs to share a percentage of their revenues.
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我们允许创业者分享一定百分比的销售额
15:03
They can raise up to a million dollars
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他们可以融资上百万美元
15:05
from an unlimited number of unaccredited, unsophisticated investors --
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从无限的,未认证的,投资理念简单的投资者那里
15:08
everyday people, heaven forbid --
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--都是些普通的投资者嘛,上帝会允许滴--
15:10
and they can share those returns over time --
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他们能够分享回报
15:12
again, whatever terms they set.
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不论什么他们设置的什么条款
15:14
As investors choose to become involved
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当投资者参与其中时
15:16
based on those terms,
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基于这些条款
15:18
they can either take their rewards back as cash,
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他们能够得到现金回报
15:20
or they can decide in advance
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或者他们可以提前决定
15:22
to give those returns away to a non-profit.
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将这些回报送给非盈利组织
15:24
So they can be a cash, or a cause, investor.
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因此,他们可以做现金投资者或者非现金回报投资者
15:27
It's my hope that this kind of tool can show anybody who has an idea
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我的希望是这类的工具能给任何有帮助别人想法人们
15:30
a path to go do what they want to do in the world
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一条途径去做他们想做的
15:32
and to gather the people around them that they already have,
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凝聚他们周围的人
15:34
the people that know them best
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这些最了解的他们人
15:36
and that love them and want to support them,
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爱他们的以及想帮助他们的人
15:38
to gather them to make this happen.
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大家一起将梦想变成现实
15:40
So that's what I'm working on now.
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那就是我现在做的
15:42
And to close, I just want to say, look these are tools.
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更进一步,我就想说,看看这些工具
15:44
Right now, Profounder's right at the very beginning,
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现在,Profounder才刚刚开始
15:46
and it's very palpable; it's very clear to me, that it's just a vessel, it's just a tool.
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它是可以触及的,是清楚的。它就是一根血管,一个工具
15:49
What we need are for people to care, to actually go use it,
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我们需要人们的关注并去使用它
15:52
just like they've cared enough to use Kiva
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就想他们关注并使用Kiva一样
15:54
to make those connections.
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来连接彼此
15:56
But the good news is I don't think I need to stand here and convince you to care --
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好消息是我不认为我站在这里是想说服你们,去关注
15:58
I'm not even going to try.
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我根本不想尝试
16:00
I don't think, even though we often hear,
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我不认为,即使我们经常听到
16:02
you know, hear the ethical and moral reasons,
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那些道德和品质的原因
16:04
the religious reasons,
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还有宗教的原因
16:06
"Here's why caring and giving will make you happier."
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比如,这就是为什么关心和给予让你感到幸福之类的
16:09
I don't think we need to be convinced of that. I think we know;
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我不需要去解释,你们懂的。
16:12
in fact, I think we know so much,
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事实上,我想我们非常了解
16:14
and it's such a reality
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现实
16:16
that we care so deeply,
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我们很关心的现实
16:18
that in fact, what usually stops us
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实际上,通常让我们停下来的
16:20
is that we're afraid to try and to mess up,
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是我们害怕尝试害怕失败
16:22
because we care so very much about helping each other
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因为我们太关心彼此
16:24
and being meaningful in each other's lives.
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想在彼此的生活中做些有意义的事情
16:27
So what I think I can do today,
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我想我今天能做的
16:30
that best thing I can give you --
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就是给你讲述
16:32
I've given you my story, which is the best I can do.
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我的故事,我已尽我所能了
16:34
And I think I can remind us that we do care.
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我想提醒大家我们真的很在乎
16:37
I think we all already know that.
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我们都很清楚
16:39
And I think we know that love is resilient enough
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我想我们明白爱是足够坚韧的
16:42
for us to get out there and try.
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让我们尽可能的去尝试
16:45
Just a sec.
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稍等(感动啊~~)
16:51
(Applause)
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(掌声)
16:53
Thanks.
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谢谢
16:55
(Applause)
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(掌声)
17:05
Thanks.
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谢谢
17:07
(Applause)
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(掌声)
17:09
For me, the best way to be inspired to try
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对我来说,最好的激励自己去尝试的方法就是
17:12
is to stop and to listen
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停下来并倾听
17:14
to someone else's story.
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别人的故事
17:16
And I'm grateful that I've gotten to do that here at TED.
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在此,我很感谢TED让我站在这里
17:19
And I'm grateful that whenever I do that,
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我同时感激无论何时
17:22
guaranteed, I am inspired --
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我保证,我都是倍受激励的
17:24
I am inspired by the person I am listening to.
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我被那些有故事的人激励着
17:27
And I believe more and more every time I listen
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每次我倾听他们的故事,我都会越来越相信
17:30
in that that person's potential to do great things in the world
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对这个世界所做的伟大的贡献的人
17:33
and in my own potential to maybe help.
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和我自己所提供的帮助
17:36
And that --
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因此
17:38
forget the tools, forget the moving around of resources --
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忘了那些工具吧,忘了移动那些资源
17:40
that stuff's easy.
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它们都不算什么
17:42
Believing in each other,
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相信彼此
17:44
really being sure when push comes to shove
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才是真正的价值
17:46
that each one of us can do amazing things in the world,
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我们每一个人都能为这个世界出一把力
17:49
that is what can make our stories into love stories
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那才是将故事变成爱的原因
17:52
and our collective story
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以及把最后的故事
17:54
into one that continually perpetuates hope
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变成一个持续永恒的希望
17:56
and good things for all of us.
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和对我们都有益的事业
17:58
So that, this belief in each other,
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因此,相信彼此
18:00
knowing that without a doubt
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执此信念,坚定不移
18:02
and practicing that every day in whatever you do,
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不论你做什么,都积极地实践这种信念
18:04
that's what I believe will change the world and make tomorrow better than today.
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我相信这种信念终将改变世界并让明天更美好
18:07
Thank you.
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谢谢大家
18:09
(Applause)
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(掌声)
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