r/JosephMurphy - 5k members milestone - and a $1000 shoutout to Bill Tucker

Mr Felipe of the Phillipines, featured below

Hello Everyone,

We have hit 5k members a few days back. It is a small milestone.

To mark this milestone, I’d like to share something cool that happened about a month back. One of the subscribers to our sub here – u/——-O——- – read my post about my teacher :

Your Kiva donations for 2020 from JosephMurphy

and bought a copy of his book. He was so inspired by what he read, that he asked me if I would accept a kiva gift card donation on Bill’s behalf. I agreed. He did not tell me how much he intended to donate.

Now, this is not the first time someone has donated funds to Kiva on account of Bill Tucker. We received $100 in his honour some months ago. So that’s what I was expecting.

Imagine my delight when I opened my mailbox and found a kiva gift card for $1000. One thousand dollars – yes indeedy.

And this person is not on my program or anything. Just a regular ol subscriber.

Bill’s book hits the spot for most people who read it because – you understand someone along the way while reading it, that all of his testimonials are true. The book is largely a biography of himself.

So this $1000 donation is the ” author ” version of someone throwing their panties at a pop star.

I have dutifully applied the gift card to 10 people, at $100 each. Almost all of them are running small businesses at the grassroots level. They are all being self sufficient in this way, and not dependent on government handouts for their survival. Give a man a fish and he eats for a day. Teach a man to fish, and he eats for a lifetime.

Simple idea, elegantly packaged and implemented by organisations like the Grameen Bank of Bangladesh, Kiva, and others across the globes. Truly inspired in its simplicity and lasting effect.

Here’s the list of the 10 recipients of the donation (click on the links for fuller details) :

  1. Ms Winnie of Kenya


A loan helped to buy cereals (beans and maize) to sell in her village market, and as a mom, use the profits to support her children.

2. Mr Felipe of the Phillipines


He’s using the money to buy a new good used engine for his fishing boat. Teach a man to fish indeed !

3. Chamroeun Microfinance of Cambodia


This is a new microcredit organisation that will support farmers in Cambodia, looking for $600k in funding. $200k will be raised on kiva with a 2x matching donation from TCS World Travel. So, the $100 assumed the power of $300 just like that.

4. Ms Kamisah of Indonesia


Ms Kamisah is 44 years old and married with four sons. She runs a grocery shop business from home, selling snacks and various daily food needs to earn money for her family. She’s using the money as working capital to purchase more stocks to sell to customers. More varieties of stocks = more sales = more net profits.

5. Ms Elizabeth of Mexico


She needs a loan to get braces to fix her 12 year old daughter’s badly misaligned braces. Latin chicks are hot, and young girls could be very badly affected psychologically if they grow up ugly in such an society.

6. Mr Bernard of Kenya


The funds here are being used to buy and support one cow. In many rural countries, a cow is a steady and reliable source of income and food through milk.

7. Ms Teresita of the Phillipines


She’s buying fishing nets and a fishing boat. Teach a woman to fish, and she will buy boats to do it with ! 🙂

8. Ms Letecia of the Phillipines


She needs working capital to buy used clothes to resell to the poor community around her. Used clothes can be bought for next to nothing and sold for around 25 % of their original new value, which, when compared to their used cost price, translates into very good profits. The right business for her village.

9. Mr Kwaku of Ghana


This dude has a palm oil field. It has been planted, and harvest time is coming soon. They need to be weeded and pruned, and once ready for harvest, the fruits need to be taken down quickly if not they begin to rot. So he needs to hire people to help him do that efficiently. He is a poor man, and he’s not going to get rich from this field, but even he has managed to create employment for others from his small business.

10. Mr Francisco of Nicaragua


Mr Francisco is a 62 year old man with 4 kids and a large corn field. He needs working capital to purchase soil amendments, fertilizers, herbicides, insecticides, etc to secure a good crop for himself this season. His long term ambition is to buy his own farmland instead of renting as he is doing now, as that will cost him less in monthly payments, and ultimately become free once the mortgage is finally paid off. He needs to earn enough to save up for a downpayment on good land down the line.

Its a simple idea – buy your own property instead of paying rent, and make daily sacrifices to be able to save the money to do that – but very simple strategies are usually all that is need to go up the next 2 rungs on the economic ladder, when you’re starting from a subsistence level.


So there you go. $100 per person. $1000 in total.

Please take a few minutes to read through their detailed stories. Pause at the end of each to cogitate on the actual impact that this loan would have on their real lives. It can otherwise be difficult to grasp, because most of these borrowers are living at the subsistence level in chronically third world countries, something which is totally alien to you.

My profound gratitude to u/——-O——- for honouring my teacher so powerfully. I trust I have used your gift card donation well. Thank you.


Leave a Reply

Your email address will not be published. Required fields are marked *