Smart and Wise

"He looked upon us as sophisticated children - smart but not wise." - Saxton Pope, Ishi in Two Worlds
This Web log is dedicated to the proposition that it is possible to be both smart and wise. My interests are: Africa, especially Togo; Credit Unions, MicroFinance, and Islamic Finance; Information and Communications Technologies for Development (ICT4D); Democracy and Governance; and Community Self-Help Construction.