The above podcast talks to the subject of democratising crowdfunding and in particular I talk about microfinancing and an organisation called Kiva.org. I describe the background of microfinancing and then how Kiva fits into this field. I discuss the Kiva process and how it works for me. I describe how Kiva has been criticised for its practices, but that ultimately, they exist for good and how it fits in with the alleviation of poverty.
I have personal experience of using Kiva, over a number of years so am able to talk about my own practice, however I did not know they background to Microfinancing, so used the Deakin Library to access firstly a journal article on Kiva and their story, which led me to the book by the inventor of microfinancing, I paraphrased a short section from the journal on history of microfinancing. I have also used information gathered from the Kiva.org website on how the process works.
My own information within the podcast is from my reflections from many uses of the Kiva service to provide loans and how it makes me feel to do so. I have used a small music file at the start and end of the podcast behind my voice to lead in gently and fade. This was downloaded and licensed from a royalty free website. I am hoping that this content is acceptable, I did briefly read the terms of the license and as far as I could see as long as I credited the website I could use the file. The website did allude to the files being creative commons, but I can’t be sure of this. I think the style of music is appropriate for the podcast content and does not detract or interfere with the voice.
There are several challenges in this exercise. Firstly, narrowing down the subject matter to a single example and one I have knowledge of so can speak to it truthfully and with authority. Secondly, obtaining appropriate reference material from the Deakin Library which backs up my thesis. Thirdly, and the hardest one for me was working out how to use Audacity, which was a new program for me. I made several mistakes and had to start again, but my trial and error process got me there in the end. I used my phone to record my voice and found it quite easy using the inbuilt voice memo app, the file transferred to Audacity easily. The next step was to upload this content to SoundCloud, another first for me. The embed within my blog worked well from the instructions provided by the unit chair. The process of creation to edit to publish is not a short one but provides a good insight into how it is done. I know this podcast is not as polished as I have heard others, but for my first try I am happy.
Asgary,N & McNulty, R 2017, ‘Contributions and challenges on the struggle to end poverty: the case of kiva, Information Technology for Development, Vol 23, Issue 2017-2, pp. 367-387, <https://doi-org.ezproxy-f.deakin.edu.au/10.1080/02681102.2016.1233856>
Yunus, M 2007, Banker to the poor: micro-lending and the battle against poverty, PublicAffairs, New York
Kiva, 2018, About us, Kiva, retrieved 25 May 2018, <https://www.kiva.org/about>
Music Licensed from: https://www.bensound.com/royalty-free-music/track/acoustic-breeze
Image: belongs to me.