El Desafio de la Pirámide Global


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El Desafio de la Pirámide Global

  • El Desafio de la Pirámide Global
  • El Transnacionalismo Como Solucion
  • From Global Pyramids to Global Diamonds: Networks, Technologies, Micro Finance and Securitization
  • The No Borders/Sin Fronteras Transnational Corp.
  • 5. Empowering Transnational Economies: Salvadorans Mexicans, Pakistanis and Filipinos in Los Angeles, California

The Globalization Challenge

Global Pyramids and Diamonds

The Transnational BOP in Developed and Developing Countries

Global Remittances 2000-2008 (Billions)

  • Source: Banco de Mexico
  • Developing Nations

Global Remittance Flows

Cost of $200 Remittance to LAC vs. Asia

Money Transfer Cards’ Share of U.S. Global Remittances Aite Group, 2005

World Mobile Phone Subscribers

…Remittances are only the tip of the Transnational Iceberg

  • 10% Cash Remittance
  • 90% Other Cash Transactions
  • Telecommunication, Insurance, Housing, Health-care, Transportation/Travel, Education/Training
  • Huge remittance flows feeds the Global BOP
    • 9 Trillion in Income, x 1000s Transactions
    • 10 Trillion in “Dead Capital Assets”

Global Transnationalism

U.S. - LAC Transnationalism

Salvadorian Transnationalism

Central American Transnationalism 2005

  • Source: World Bank; Basic Socio Economic Data, Online Statistical Yearbook 2002
  • Remittances; International Development Bank
  • Migration: INS Office of Policy and Planning
  • (a Central American-U.S. migrant GDP/per capita = $27,400
  • Dollar values in thousands

U.S. Central American Migrants: US Data

  • Source: U.S. Census Bureau, Census 2000 Supplementary Survey Summary Tables
  • INS Office of Policy and Planning

Remittances as a Percentage:

EU Structural Funds Counterfactual Application to US-CAFTA Zone

  • El Salvador 6.426 bn dollars
  • Guatemala 11.628
  • Nicaragua 4.998
  • Honduras 6.528
  • Costa Rica 3.876
  • Total 33.456 billions a year

Alternative Scenarios: From Negative to Positive Causality

  • “Dutch
  • Disease”
  • External
  • Dependence
  • Cash
  • Remittance
  • Data
  • Mining
  • Micro
  • Credit
  • Electronic
  • Transfers
  • Shrinking Middle
  • Widening base
  • Top Growth
  • Widening
  • Middle
  • Widening
  • Middle

Negative Cumulative Causation

  • “Dutch
  • Disease”
  • External
  • Dependence
  • Cash
  • Remittance
  • Asset
  • Inflation
  • Lower
  • Productivity
  • Shrinking Middle
  • Widening Base

Positive Cumulative Causation

  • Income
  • Data
  • Mining
  • Micro
  • Credit
  • Electronic
  • Transfers
  • Productive
  • Investments
  • Network
  • Capital
  • Global
  • Capital
  • Markets
  • TOP
  • Growth
  • Widening
  • Middle
  • Widening
  • Middle

(1) Electronic Transfers

  • Direct Deposit Payroll
  • Dollar Stored Value Card
  • Peso Stored Value Card
  • U.S Agents, Credit Unions, Banks & ATM/POS
  • Worldwide Agents, Credit Unions, Banks & ATM/POS
  • United States Worldwide
  • Telephony
  • Pre-paid MasterCard
  • Other Products & Services
  • Telephony
  • Direct Deposit Payroll
  • Pre-paid MasterCard
  • Other Products & Services

(2) Data Mining Processing System

  • Central Processing IP-based System
  • U.S. Load
  • Locations
  • Pay-Out Locations Worldwide
  • Affiliate Banks & Credit Unions
  • Affiliate Banks & Credit Unions
  • NB Secured Internet

(3) Financial Products and Services

  • Stored Value Cards / Remittances
        • Significantly lower pricing
          • FREE with Credit Union Account
        • No exchange rate surcharge
        • Convenient Card Process (for both Agents and end customers)
        • Affinity Card Programs, HTA, Sports Clubs, NGOs
  • Mobile Telephony
        • VOIP Competitive low rates
        • IVR / Phone to Phone Transfers
  • Expanded SVC/Cell Based Services include:
        • Savings and Micro-Credit
        • Financial services, Insurance
        • Education/training
        • On Line Travel, Purchases, etc.,
  • Rural transnational villages connect to the world via broadband satellite, using a wide variety of applications, such as video-teleconferencing, VoiceOverIP telephony, online education and sending/saving remittances on a debit card.
  • Education for all ages is a fundamental component of the telecommunications program. A proud grandfather looks on while his grandson explores the World Wide Web.
  • A video teleconference connects transnational migrants in Venice, CA, to family members in their hometown of Santa Ana del Valle, Oaxaca.
  • Telecommunications
  • in Santa Ana del Valle, Oaxaca

No Borders Remote Video Teleconferencing Service

No Borders Family to Family VTC at St. Anne’s Church

Happy Mother’s Day!

  • Locally owned and operated microbanks create a financial mechanism for community members to save and invest money. They can also receive remittances from transnational migrants in the U.S. through a partnership with the Association of Mexican Credit Unions (AMUCCS).
  • Women and men at the community assembly hear the microbank presentation in Spanish as well as Mixteco, their native language.
  • Community members participate in an educational seminar on the workings and benefits of the microbank.
  • Productive Projects
  • in Ayoquezco de Aldama, Oaxaca
  • Bottled nopales, ready to be shipped for consumption throughout Mexico and the United States.
  • The bottling process: women from the cooperative sterilize jars to package the organic nopal.
  • MENA (Mujeres Envasadoras de Nopales), a women’s cooperative that grows and packages nopal - a cactus native to Oaxaca that is considered a delicacy.

Salvadoran Immigrants in Los Angeles

Salvadoran Immigrants in Los Angeles

Agenda for Transnational Empowerment

  • Income
  • Data
  • Mining
  • Micro
  • Credit
  • Electronic
  • Transfers
  • Productive
  • Investments
  • Network
  • Capital
  • Global
  • Capital
  • Markets
  • TOP
  • Growth
  • Widening
  • Middle
  • Widening
  • Middle


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