How One Man Changed Rural America

September 10th, 2011

How One Man Changed Rural America

Rural communities are drowning.  Children are leaving never to return.  Their historical town squares are falling in and burning only to be replaced with gravel parking lots.  A majority of those with great ability and opportunity chase opportunity, opportunity they don’t see in their rural hometown community.

Centerville, Iowa was no different.  What happened?  Due to the marketing efforts made on behalf of our multiple businesses I’ve received more attention in regard to our community’s turn around than I deserve.  Let me share the real reason Centerville, Iowa and Appanoose County are turning around.

First there was a lot of groundwork by multiple small groups of people at different times.  The foundation was set by a truly entrepreneurial group a half century ago.  They did what it took to capture a federal project now known as Rathbun Lake.  When the lake went in the torch was handed off and for 30 years a small group worked on the establishment of a resort on Rathbun Lake.  Honey Creek Resort on Rathbun opened in 2009.

There was also a group who pioneered the town square restoration project on what is Iowa’s and possibly the country’s largest county seat town square.  There are many other groups who played their part.  It is interesting to me to notice how most things of true value were organized by small gorilla like ad hoc groups who, with an entrepreneurial spirit, saw a need and went after it.

All these things happened in Centerville and Appanoose County to create a foundation for something unprecedented and unheard of.  This is where the attention needs to be directed. 

In 1996 a local boy who was born in Appanoose County 64 years earlier took an interest in his home community.  Those great leaders who truly impact the world for decades, if not centuries, all do things the same way.  But the way they do things is often exactly opposite of how the rest of the world, including rural communities like ours, do things.  What is it that they do?  They inspire.  They first know the heart of why, then they work on the how of their dream and then the what of the details. 

Most the rest of us start with what then how and finally why. That is another story altogether.

In Appanoose County our world changed in 1996.  We just didn’t know it was changing yet.  It was that year when that local boy took an interest and slowly started to unleash his attention on an unsuspecting and tired rural town.  Now it is 15 years later.  Our world has certainly changed.  This is a short story about how entrepreneurship, volunteerism and philanthropy combined to start a fire of success in the deepest of rural areas in our United States.

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It was the last graduating class in a dying coal mining town in Exline, Iowa.  The 16 year old valedictorian of the class came from a famously poor family.  Picture a child in nothing but shorts, bareback on a pony, carrying a cane pole headed to the pond to fish and you have an accurate picture of this young man.  This same boy, in the bitter cold of a pre-dawn winter morning, while milking the family cow thought to himself, “I’ve got to do something to get out of this.  I don’t want this life.”  Did he ever.

Now it is 1996 and this barefoot, pole fishing, cow milking kid had become one of America’s elite.  Most don’t know his name but people around the world know his work.  Zig Ziglar is famous for saying you will get what you want if you help enough other people get what they want.  So it was in this story.  Think about the people that know about and want such things as Ben Gay, Unisom and Lipitor. This rough shod country boy went on to found what is now arguably the world’s largest pharmaceutical advertising agency.  Now he was sharing not only his wealth but his knowledge with his rural community.  That is where I came in. 

The character we’re discussing is Morgan Cline and now it is 1997 and he is ready to open his first business venture in Centerville.  Originally built in 1866 and rebuilt after a fire in 1892 The Continental had been restored to its original grandeur.  The opening was approaching and the business was in need of a manager.  I was that manager and by accepting that position I unwittingly climbed into the most thrilling roller coaster of a ride.  And much like a roller coaster a great deal of attention gets paid to the person riding it but people lose track of those that invented, invested, and operated the ride in the first place.

Ultimately the mission was to save two towns – Centerville and Exline – and in turn, help the entire county wide community.  We’ll talk more about this in other places but for now it is important that everyone recognize the true horsepower behind Centerville’s, Exline’s, and Appanoose County’s turn around…Morgan Cline.

As you would expect there are those who don’t understand and could even be described as resenting the effort.  They are a common statistic.  There is also the large group who fit somewhere in an area that we might call “bewildered but appreciative”.  Finally there is another small group likely the same size as the resentful backward group.  This last group would be made up of those with the vision and wisdom to recognize and partner in Mr. Cline’s dream and with the willingness to help it happen.

Almost every one of the nearly 30 projects Mr. Cline is responsible for had a local leader or leadership group attached to it.  Cline provided vision and the money.  The locals provided the additional ingredients that made it happen.  Cline was the Chef with the base ingredients, the rest of us happily play the role of seasoning.  He has been the flour and chocolate chips we’ve been the baking soda and vanilla.

While there are many stories to be had from this, the mission here is to revisit the real reason for a community’s rebirth.  Yes committees, organizations and individuals over decades of time have had immeasurable impact on the community but no single person has had the impact of Morgan Cline.  I may get a great deal of attention but it is his work, his interest and his giving that is at the heart of it all.  I’m lucky.  Morgan Cline is generous, interested and committed.

How does this relate to you?  It could be you.  To most, what has happened to my home community seems like luck, magic or a combination of the two.  The secrets that make what you see seem like magic are only camouflaged. They are there.  I can guarantee that every community has what it takes.  What I can’t guarantee is if your community has the heart or the level of “want to”.

Appanoose County is seeing the tide turn.  More college graduates are returning home.  More alumni are returning home to spend retirement with friends.  More people who have never been here before are retiring here from other parts of the country.  This is just the beginning for us.

Bill Burch is the President of Morgan E. Cline Companies and the founder of Commercial Resources, Inc.  More information can be found at www.morgancline.com; www.gocenterville.com; and www.commercialresources.info or doing a Google search for Morgan Cline, Bill Burch or Centerville, Iowa.  E-mail can be sent to billburch@commercialresources.info.

Source: ArticlesBase.com

Biometric ATM cards powers Rural Banking for unlettered masses in India

September 7th, 2011

Biometric ATM cards powers Rural Banking for unlettered masses in India

Infrastructure of  Indian banks is rapidly expanding and the visible benefits of ICT ( Information, communication and technology) in day-to-day banking are well known. Common man is becoming quite used to ATMs and internet banking etc, are gradually finding its acceptance. RBI ( Reserve Bank of India) has been placing a lot of emphasis on financial inclusion covering no-frill accounts, rural bank branches, BC/BF models etc. Further, many pilot projects have been initiated in various States using smart cards for opening & operating bank accounts with biometric identification at people’s doorsteps.

Tripura, a North East Indian state, is at the forefront of such advances with programs like UID ( Unique ID) and BC ( Business Correspondent) models being deployed on a statewide basis. Tripura State Co-operative Bank, in furtherance of fulfilling its social responsibility of ensuring faster inclusive growth of weaker and poor sections of the society, has extended banking services to the identified beneficiaries of the MGNREGA through the Business Correspondent like M/s Indepay Networks Pvt. Ltd, by opening of no-frill accounts and by issuance of a biometric enabled smart card in the name of the beneficiaries through which the benefits of MGENREGA are to be passed to them.

The State of Tripura, with an annual NREGA allotment of over INR 500 crores ( USD 120 Million), has close to a million MGNREGA beneficiaries who receive employment through the program. In addition to MGNREGA beneficiaries the state has a further quarter of a million beneficiaries of National Old Age Pension (NOAP), Social Security Pension (SSP) and other similar programs. Indepay with its biometric enabled, UID compliant MicroATM infrastructure is addressing these opportunities by leveraging its nationwide rural payments infrastructure.

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Indepay, a leading global payment processor, is delivering last mile connect through  biometric enabled, UID ( unique ID) compliant MicroATM infrastructure. Indepay have deployed manpower to familiarise rural masses who are NREGA beneficiaries with the technology so that the unlettered masses can encash their money as per their requirement.

This last mile infrastructure also enables the bank to extend financial assistance such as small credit to fulfill other credit needs of the beneficiaries and other banking services, micro insurance, financial products and non-financial services as may be required by the beneficiaries / card holders through its wide network of branches / offices in the State through the Bank’s duly appointed Banking Correspondent(s) as per the guidelines of the RBI.

Krishan Sujan, Director, Indepay Networks, said, “Indepay has carried out extensive evaluation of Rural Banking systems and plans to address the problems associated with last mile infrastructure, connectivity in rural locations and the issues related to citizens being non-literate and non-numerate through its innovative infrastructure offering.”

Indepay’s Biometric smart card and infrastructure solution can now enable and operate, an extended Rural banking Branch in each village and panchayat in the state where banking services will be extended to each citizen of the state within a few kilometres of their residence as per RBI guidelines for the BC model.

This infrastructure will also help to act as points for sourcing Rural Credit and Micro Housing Finance for the citizens of the state in addition to including the unbanked into the Banking system.

The Tripura model will replicated by Indepay which plans to deploy real time, online, UID enabled infrastructure throughout the state and make Tripura a model state for the rest of India to follow. The Indepay ecosystem of BCs will enable non-financial services such as Rail/Air Ticketing, Utilities Bill Payments including Electricity, Telephone and Municipal Taxes in addition to mobile airtime recharge making the BC model viable and scalable.

 

IWrite to Suparnasingh05@yahoo.com for more

Source: ArticlesBase.com

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