Poetry from Lan Xin

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2026 International Women’s Day Special

Dear Goddess May You Bloom All Your Life

Poem by Lan Xin (Lanxin Samei)

My dearest

Born a woman

you are meant to bloom like a flower

Live up to the grace of being a woman—

flowers are tender and glowing

flowers are graceful and elegant

flowers are bright and enchanting

My dearest

You belong to yourself

Your life is in your own hands

Let no one control or manipulate you

You are the master of your fate

and you may choose the life you desire

My dearest

Whether you are a daughter

a wife

a mother

a daughter-in-law

any other role

never forget—

you are first yourself

then everything else

In every role you fulfill

always remember to be true to yourself

My dearest

I hope you will never

take care of everyone else

yet forget to care for yourself

Be kind to everyone

but never be unkind to your own heart

My dearest

No matter how deeply you love

your children

your husband

your parents

anyone else

never forget—

you must love yourself

Only when you love yourself fully

can you love them better

and attract more love into your life

My dearest

You were born to live in love

When you meet someone you want to love

love bravely

Do not question if it is fate or hardship

do not fear being hurt

do not fear loss

Enjoy the journey of love

do not cling only to the result

Just as flowers bloom and fade

they do not refuse to blossom

for fear of withering one day

So it is with love

Love while you can

My dearest

May your heart be filled with love and warmth

nurturing your soul

When no one loves you

love yourself as a beloved would

You owe this to yourself

When no one warms you

warm your own heart

When no one holds you

embrace the child within you

Whether you have support or not

always remember to rely on yourself first

My dearest

May you cherish

this flower-like life you have been given

Treasure every moment

savor every present

Strive when you need to strive

enjoy when you can enjoy

pursue bravely when you must fight

and seize every opportunity with all your heart

My dearest

May you be as beautiful as you can be

Do not wait to wear lipstick

until your lips can no longer hold color

Do not wait to learn makeup

until your face loses its radiance

Do not wait to care for your skin

until time has left its deep marks

Do not wait to buy that beautiful dress

until you can no longer wear it

You were born to live beautifully—

beautiful for yourself

and beautiful for those who love you

My dearest

May your heart be gentle and compassionate

yet strong as diamond

May your wisdom bloom as beautifully as your grace

and may your beauty last as long as your wisdom

My dearest

You are more than a woman of this world—

you are a daughter of the universe

a mother of the earth

the original source of life

an embodiment of love and light

My dearest

Your awakening

is not only the fulfillment of yourself

but also the tenderness of the world

the hope of civilization

the path for the human soul to return home

My dearest

Every woman can be her own goddess

May you bloom freely

through the cycles of time

and let the world admire your grace

May your entire life

a season of constant blooming

From Lan Xin

To Women All Over the World

On the occasion of 2026 International Women’s Day

I send my most sincere wishes

to every extraordinary woman across the globe

May you be treated gently by the world

and cherished tenderly by the years

May your heart hold light

your eyes hold joy

your feet walk a clear path

May you be loved all your life

bloom with confidence

live with ease and grace

May you love yourself deeply

and be your most beautiful self in every role you play

To all women around the world

Happy Women’s Day!

May your grace last forever

and your life be full of fragrance!

Essay from Dennis Vannatta

A Soundtrack for My Life

I’m not a musician, not musical in any meaningful sense.  I couldn’t carry a tune in a bucket, as they say.  I’ve been accused of being tone deaf, which is not true, strictly defined.  I hear tones perfectly well;  I just can’t reproduce what I hear.  When I do attempt to sing, what comes out of my mouth bears only a coincidental relationship with the sound I tell myself I’m trying to make.  Moreover, I have no sense of rhythm.  None.  I can’t even take a pencil and tap along with the rhythm of a song I’m listening to.  Hence, in addition to not being able to sing, I can’t dance, don’t ask me.

Considering my complete and utter musical ineptitude, what makes me think I’m qualified to, or even have a right to, attempt an essay on music?  But this brings us to the very heart of the matter.  No one needs to be convinced of the importance of music in the life of Beethoven or Billy Joel.  But the place of music in our lives—all of us, man- and womankind—might be seen by implication in examining its importance, its pervasiveness, in the life of one startlingly unmusical fellow:  me.

I have a feeling that music was born in the shhhhh of a mother attempting to comfort a fussy child.  The shhhh begins in imitation of a soothing breeze, perhaps, but then develops a rhythm:  SHH sh sh SHH sh sh SHH sh sh SHH.  Add to the vocalization a gentle bouncing of the baby in its mother’s arms.  Then maybe the mother rises and sways to the rhythm of the bouncing, the rhythm of the shhs.  The swaying becomes a rhythmic step or two.  Thus, dance is born with music and is forever inextricable.

The first song, then, was a cave woman’s lullaby but comes just as naturally to the twenty-first-century mother.  I doubt, in fact, that it’s changed much.  So too, my first song was a lullaby, and my first dance in my mother’s arms.  

I don’t remember that song or dance, but I can clearly hear a ditty my father sang when I was two or three, I suppose.  I couldn’t have been much older than that because it occurred during a game when I would sit on my father’s closed knees holding on to his thumbs as if they were the reins of a horse.  “YIP yip yip yip YIP yip yip yip YIP yip yip yip,” he would sing out, then suddenly on a YIP would throw open his knees, and I’d plunge floorward, holding on to those thumbs for dear life.  But was that truly music?  Indeed it was.  Music is for soothing, music is for sleeping, music is for fun.  It’s not something merely accompanying or appended to a life experience; it’s part of our life experience from the very beginning of our awareness of life.  Indeed, it predates memory.

I suppose the first formal song that I do remember is “Jesus Loves Me.”  I can hear myself singing it loudly, happily:

Jesus Loves me, this I know,

For the Bible tells me so.

Little ones to Him belong.

They are weak but He is strong.

Baptists in little Missouri prairie towns like my Appleton City were brought up in a world of music.  Our religion helped define who we were, and music helped define our religion.  I’d argue, in fact, that Baptists are closer to God while singing hymns than while listening to a sermon or reading the Good Book.  I haven’t been in a Baptist church in forty years, but even today if by chance I happen to hear a few bars from one of the old hymns in some movie or television program, I’ll be galvanized by powerful emotions, and I’ll break into song, much to my Catholic wife’s amusement or (more likely) annoyance.

Music-memories from my early years are rare and random, but then any memories from my early years are rare, hazy, and random.  I remember sitting on our kitchen floor, playing, as my mother cooked or cleaned somewhere above me while listening to Eddy Arnold on the radio.  I’ve never been a country music fan—except for Eddy Arnold.  Eddy and I go back a long way.

One of my very few memories of actually performing music publicly occurred when I was in the first grade.  It must have been during one of those interminable evenings for adoring relatives where each grade sings a song or two.  Our song was “Mammy’s Little Baby Loves Short’nin’ Bread.”  I don’t remember actually singing the song, but I do recall crouching down and staring through the barred back of a chair (perhaps supposed to be a bedstead?) and then suddenly crossing my eyes and making a face at the audience.  Everyone laughed and applauded.  How could they possible not have?  I was so cute!  That was it, though:  my one brush with musical-comedy stardom.  

My one other, even more vivid music-memory from my early childhood is decidedly darker.  I’m not sure when or why I became shy, but I battled shyness into my adult years.  Among its many manifestations was an abhorrence of being the center of attention.  Cue the birthday party.  A half-dozen little friends, plus probably a half-dozen little friends’ moms, all staring at birthday boy:  me.  Then they all begin to sing, “Happy Birthday.”  I flee the room, crying, and cannot be lured back to hear “Happy Birthday” sung to me for another twenty years.

*

Somehow, sometime, early childhood became simply childhood with the music-memories more plentiful and vivid.

Not all of them do I welcome.  I recall, with a little amusement but even more anger, standing nose to nose with my grade school music teacher as she tries to force me to reach a higher note than I’m capable of.  “Higher!” she demands, stabbing me in the tender well between clavicle and trapezius with her pointy index finger.  “Higher!”  (stab)  “Higher!” (stab)  “Higher!”  (stab).

At about the same time, I decided that being in the grade school band might be fun.  Lured by its glittering, many-valved beauty, I chose the e-flat alto sax.  Mistake.  As it turns out, to make music one must open and close those valves in a certain order, each for a certain duration, while expelling oxygen into the horn, oxygen that, in my opinion, was better diverted into one’s own lungs.  I hated playing the damn thing.  I refused to practice.  After three years, I could, if requested by our band director, Mr. Cummins, solo on either “Old McDonald Had a Farm” or “Twinkle Twinkle Little Star.”  After a time or two, Mr. Cummins made no such requests.  In reference to young Dennis, he just looked away.

Most of my music-memories from those years, however, are warm and glowing, even if those were not necessarily the emotions evoked at the time.  I would, for instance, along with the rest of my family watch Your Hit Parade on our black and white RCA TV, accompanied by snow-static and a wonky vertical hold.  Today, I think what a charming Norman Rockwell scene it was, nestled amongst my parents and siblings.  Back then, though, I writhed in rage and disgust as some execrable pablum like “How Much Is That Doggie in the Window” was proclaimed #1 while the rock ‘n roll I was just beginning to discover was completely ignored in the rankings.  (Speaking of rock ‘n roll, did you hear that Elvis was arrested for unzipping and zipping his fly onstage to the tune of “Hound Dog?”—as I overheard my father say to my mother, who frowned as only a Baptist can frown.)

Eventually, of course, rock ‘n roll won out.

Ironically, it was relatively late coming to that new, utterly dominating medium:  television.  Your Hit Parade ignored it, and most of the many variety shows then so popular rarely acknowledged rock’s existence.  Still, young people had their ways of finding it.  For me, rock ‘n roll meant the jukebox-of-many-shifting-colors in the Blue Inn, the one café in my tiny hometown.  One play for a nickel or six for a quarter.  Better-equipped cafés and diners had miniature jukebox-like apparatuses right on the tables, and you could make your choice nickel in one hand and cheeseburger in the other.

Cheeseburgers and curly fries; malts so thick they’d flatten a paper straw in two sucks; cherry Cokes; poodle skirts and pony tails; ducks-ass haircuts and black leather jackets—these were the teenage culture, and at the heart of that culture was rock ‘n roll.

By then we’d moved to the big city of Sedalia where my sister and her friends danced the stroll in our basement.  I wasn’t allowed near them, but I listened and today can still sing “The Stroll” and could stroll across the floor if it weren’t for my bursitis.

Powerful and pervasive as rock ‘n roll was, it wasn’t the entirety of my music-world.  My mother still dragged me to church Sundays, and I still enjoyed the hymns if nothing else.  My father was superintendent of a small rural school district, and I’d ride along to basketball games on the team bus and sing “A Hundred Bottles of Beer on the Wall” until those bottles dwindled to zero.  I still had music class in grade school and still couldn’t sing a lick, but I did enjoy learning to dance the waltz, minuet, and square dance—or do I only enjoy the memory of those dances?

Rock ‘n roll, though, was the straw that stirred the teenage drink.

I may not have made it to the basement for “The Stroll,” but Bill Killion and I taught each other to dance the twist, the mashed potatoes, and other rock ‘n roll iterations in my living room just in case we ever worked up the courage to ask a girl to dance.

Our models were the mythically cool kids on American Bandstand.  For a time, Sedalia had its own version of American Bandstand on the local TV station, and Bill and I would watch seething with envy and self-loathing as some of our braver and vastly cooler classmates appeared right before our eyes on live television.

Then came high school, and to American Bandstand was added Hootenanny and, especially cool, Shindig.  One night we had a hootenanny of our very own in our high school gymnasium, and, for a reason that escaped me even then, we all just had to buy a new pair of white Keds to wear.  The hootenanny, alas, was hardly a hoot.  We weren’t allowed to wear our new Keds onto the gym floor but instead shoved them up against the wall.  My back ached and my butt hurt from sitting cross-legged on the hardwood.  We were chastised by the folk group “entertaining” us for singing along sans invitation.

Although TV was indeed making inroads into the world of rock music, radio still ruled.  On weekend nights we listened to it cruising the drag in our daddies’ cars (one of my friends even had a car of his own!), and we listened to it on clock radios in our bedrooms and on the new little transistor radios that were beginning to invade the market.

Sedalia had two radio stations, but KSIS played country music, so it didn’t count, and KDRO, our rock station, went off the air every day promptly at sundown.  That left the nights when, really needing our rock fix, we’d turn that knob with the concentration of a safe cracker, trying to bring forth KCMO in Kansas City, WLS in Chicago, and, best of all, KAAY in Little Rock, Arkansas.  (Many years later, fresh out of grad school, I moved with my family to Little Rock to teach at the University of Arkansas.  I was devastated to find that KAAY had changed to a country music format.)

My most vivid rock-memory from those days won’t surprise anyone who was a teen then:  that cold February night, 1964, when the Beatles appeared on The Ed Sullivan Show.  As it happened, that weekend we’d been visiting my sister Kay in Chicago.  Could we possibly make it back home in time for the Beatles?  I remember sitting in the back seat willing the car forward with a burning intensity that perhaps helps account for my chronic stomach problems today.  Did we make it in time?  Yes.  It’s a scene built for anticlimax, right?  Wrong.  I was hooked.  After the program was over I ran down to our local supermarket and bought the first of many Beatles albums.  I still have every single one.

*

Not all my music-memories from my teenage years involve rock ‘n roll.

No rock song hits me with the emotional force of one song we sang as we marched through the halls of Smith-Cotton High School the first day of the new school year, 1963.

We are the seniors, seniors are we!

We’ll never lose our [something or other].

We stick together, in all kinds of weather.

We are the senior class!

We were so young, and so many who marched with me, sang with me, are gone now.  It was so long ago.  It was yesterday.

An event more important even than the Beatles invasion—important at least to me and my musical experience—occurred at about the same time.  I suppose I was just bored one day, scanning through our three TV channels to find something, anything, to occupy a half-hour, and there he was:  Leonard Bernstein.  And there were all those young people, about my age, being taught and cajoled and sometimes chastised, and I was instantly one of them, enthralled.

Nothing in my life experience could have led one to predict that I’d fall head over heels in love with classical music.  I still listened to more rock ‘n roll, but that was because rock ‘n roll was all around me, instantly accessible on my dad’s car radio, my Toshiba transistor radio, and occasionally on television.  Classical music, in the early 1960s in Sedalia, Missouri, was nowhere except for Bernstein’s Young People’s Concerts.

I did have a phonograph, though, and I began to spend more money on classical LPs than on rock 45s and albums.  It wasn’t easy to do.  Where to find them?  Sedalia did have one tiny record store.  When I went in one day and asked where I’d find the classical albums, the owner seemed perplexed.  Then he caught on.  “Oh, you mean sacred music.”  He did have a small stash of “sacred” albums.  Over the years, I bought most of them.  I also joined the Columbia Record Club, raiding them for eight albums for the price of one (or whatever the entry offer was), then letting my membership lapse, then, a few years later when the coast was clear, joining again.

Alone in my room at night, I listened to the Beatles and Mary Wells, I listened to Beethoven and Mendelssohn.  Just me and my fifty-dollar phonograph.  There were times when it was almost enough.

*

My first, joyously hopeful days of college arrived to the tune of “Do Wah Diddy Diddy.”  Something was coming down the street for me, Manfred Mann promised, a new mode of living in which I’d be not just a shy observer of life but a by God participant with a diddy-bopping girl on my arm.

It didn’t happen.  My father died, and I commuted to college while living at home and working nearly forty hours a week on top of a full load of course work.  Certainly I would have continued to listen to music, but, other than “Do Wah Diddy Diddy,” there’s not a single song that evokes my undergraduate years.  They were bleak years, almost a half-decade without, in effect, music.

Well, technically, music did return, with more powerful emotional effect than ever, in my last semester of college.  I don’t consider it “college music,” though, because something far more important than British Lit surveys was coming down the street for me, and it wasn’t singing “Do Wah Diddy Diddy.”  It was Vietnam.  It was the draft. 

I swear that until that semester I’d hardly paid attention to what was going on over there, half a world away.  While my friends were plotting ways to fail their draft physicals, or trying to get into the National Guard, or as a last resort keeping their precious selves clear of the rice paddies by going into the Navy or Air Force, I wasn’t worried at all.  Hadn’t I always been lucky?  Indeed, weren’t peace talks starting in Paris, just in time to save lucky me?  But then the bastards spent weeks arguing over the  shape of the freaking table!  And two little words suddenly occurred to me:  uh oh.

At the same time, music returned to me.  “The Age of Aquarius.”  “Eve of Destruction.”  “For what It’s Worth.”  On and on they came, evoking emotions I’d never imagined were the province of music:  foreboding, fear, anger, indignation, defiance.  Many of my generation listening to that same music, stung by those same emotions, hit the streets in protest or occupied classrooms and administration buildings or just said the hell with it and fled to Canada or Sweden.  What did I do?  In short, I got drafted.

On each of my last three nights as a civilian before riding the train to the induction station in Kansas City, I went to our local movie theater and watched Zeffirelli’s Romeo and Juliet.  Assuming my role as an English Professor Emeritus, I could point to significant parallels between Shakespeare’s Verona and that ghastly world I was about to enter, where teenagers shed their blood in conflicts created by their elders.  But I assure you that nothing could have been farther from my thoughts at the time.  For me, Romeo and Juliet was an oasis where I could distance myself from what was almost upon me, and at the heart of that oasis was the movie’s love theme:  “A Time for Us.”  Two months later, lying on the sunbaked dirt of the firing range at Ft. Leonard Wood, I tried to beguile into silence the reports of the M-14s to my right and left, and the M-14 in my hands, by conjuring up the lovely strains of that love theme.

“A Time for Us” couldn’t stand up to more powerful songs in basic training, though.  “I Left My Home” and its many (frequently obscene) variations had been a marching staple for generations, of course, but Vietnam added its own special songs.

I’m going down to Cam Rahn Bay,

Gonna kill me a Charlie Cong today.

And, to the tune of the Coasters’ “Poison Ivy,”

Vietnan, Vietnam,

Nights while you’re sleepin’

Charlie Cong comes a creepin’ around, around.

Once out of basic training, rock ‘n roll reasserted itself on the jukeboxes in the bars that we frequented and on the boomboxes in the barracks we called home.  West Point where I was an MP briefly, revisits me whenever I hear Janis Joplin’s “Take Another Little Piece of My Heart.”  Fishbach, Germany, where I later spent my days and often nights in a security tower guarding pine trees, bequeathed me any number of time- and place-specific songs.  The Beatles “Long and Winding Road” somehow captured the sense of dislocation I felt:  how far from home, how long it’d be before I’d see it again.  Led Zeppelin, though, Led Zeppelin!  I’d first encountered Led Zep at West Point, but Robert Plant’s strident wailings and Jimmy Page’s other-worldly riffs seemed incongruous in the barracks-full of MP elite, law students from Georgetown, pre-meds from Johns Hopkins, rich men’s sons from Syracuse and Amhurst.  But in that shabby MP barracks snuggled into the Black Forest of southwest Germany, we were not elite but juicers (me), hash-heads, and acid freaks.  I wasn’t a doper, but I had good friends among them.  Those dopers were gentle folk, and they loved their Led Zep, and so, eventually, did I.  Led Zep III reigned then.  “The Immigrant Song” captured dislocation as ably as “The Long and Winding Road,” except instead of the Beatles’ syrupy wistfulness, it hit with a cold shudder.  And “Hangman” offered a violence as cruel and irrational as that transpiring across the globe in Vietnam.

My last memory of Germany before boarding the airliner for home was packing up the treasure-trove of rock albums I’d purchased in the PX.  Need I say I still have them?

*

When I returned to the States, a different world awaited me.  In fact, a different me awaited me.  I was more experienced, more mature, less shy.

Also awaiting me, although it would take some weeks for our paths to cross, was a tall blond young woman from Queens, New York.  To be more precise, our paths did not cross so much as merge.  They’re still together, a single path, to this day.

We met and began dating at the University of Missouri to the strains of Carol King’s Tapestry.  Our passion flared to the pulsing rhythms of Iron Butterfly’s In-A-Gadda-Da-Vida.  All one semester we and a group of similarly cash-strapped friends would end our Saturday nights drinking cheap beer and watching Star Trek reruns, and even today hearing the opening bars of the Star Trek theme song stirs me with a vision of adventure and hope.

Saturday afternoons were for football.  

Fight, Tiger fight for old Mizzou! 

Right behind you everyone is with you! 

we sang; and fifty years later, when I opened a birthday present from my son and found a Missouri Tigers ballcap, I stood and sang again, “Fight, Tiger fight for old Mizzou!” and it all came back as surely as the past came back with Proust’s petit madeleine.

*

We were married when I was just entering the PhD program at Mizzou, and three years later I became a father, and everything changed.  Including music.

I could still sing “Fight Tiger” but rarely felt the urge to.  I still listened to rock ‘n roll, but it was all oldies now, something resurrected from my past.  I didn’t know the new groups, the new hits; didn’t care.  I still listened to classical, but it was background music now to more important, more vital things.

Indeed, over the following decades, the two great genres that had been so important to me, rock and classical—and even adding a third, jazz, which I’d come to appreciate—became curiously “fixed,” no longer dynamic but dusty props in the stage setting of my life.

This means that music was no longer important to me?  Hardly.  Rock, classical, and jazz might have been less vital, but there was once again “A Time for Us” from Romeo and Juliet, which my wife and I danced to at our wedding  (“Come on, Dennis.  Use the other step,” Dr. Saltpeter smirked as I lumbered past), a more powerful memory than anything from The Stones or Led Zep.  And no rock song from my youth could make the tears stand in my eyes as they do now recalling my baby girl in her onesie, “dancing” in my hands before the full-length mirror as I sang a song of my own invention:

Christine, Christine,

She’s so pristine,

Always drinks Ovaltine!

My baby girl who is a year away from fifty.

Six years later at a Brownie father-daughter dance, she left her brand-new Mary Janes among a row of identical Mary Janes against the gymnasium wall (just as thirteen years earlier I’d left my brand-new Keds up against the gym wall at our disappointing hootenanny), and then we danced, her tiny white-stockinged feet atop my size 13s.  I don’t remember what specific songs we danced to, but I remember dancing with my little girl.  Fifty, almost fifty now.

My son bequeathed me a Beatles song to deposit in my memory bank, that vault of emotions.  It was the song his senior class chose to have played at their high school graduation.  Afterward, the Class of 2000 went out into the world.  You try to raise them so that they can leave you.  We raised Matthew well; he left us to the tune of “In My Life.”

They played Pachelbel’s “Canon in D Major” at Matthew and Carolyn’s wedding, accompanied by thunder and lightning and four inches of rain before the reception was over.  Their marriage, though, has been one of storm-free blue skies—unless you count the occasional full-throated explosion from a baby boy, teething or otherwise enraged.  Three baby boys, in fact, Andrew, William, and James.

William, when babysitting Grandma and Grandpa put him down for his nap, would hear of no lullaby other than the one his mother sang:  “You Are My Sunshine.”  I’m sure Andrew and James had their special songs, too, but they kept that secret between themselves and their mother.  I could make all three of them laugh until the tears came, though, with my PG-rated variations on the public library song:

The place to go when you need to pee,

Is your local public li-brar-y.

Andrew, entering his teenage years and too old for toys but too young to want clothes, is hard to shop for for birthdays and Christmas.  What music does he like?  Even if we knew, how does one buy music these days?  No 45s, no albums, no 8-tracks, no cassettes, even CDs almost a thing of the past.  Kids listen on their cellphones, I take it, but how does that music get there?  No, don’t bother explaining to me.  I really don’t care.  This world is not my world, its music not my music.

I don’t have the energy or the interest to attempt to keep up with newer music.  Is rap really music?  If it is, it’s not for me.  I wouldn’t know a Taylor Swift song if I tripped over one.  I’m hopeless on Jeopardy when a pop music category comes up.  Do they still compose classical music?  Couldn’t prove it by me.  Of course, there’s contemporary jazz, but I can’t be bothered with it.  The old stuff, that’s my music.  Decades, centuries old.  Old, old music for an old, old man.

Can you name one song written for an old man?  Well, there is Chopin’s “Funeral March.”  The funereal and the elegiac, that’s what we old men are left with.

I used to think half-seriously of compiling a playlist as background music for those hardy few who’ll gather, in lieu of a formal funeral, in some tavern party-room to toast my passing.  No longer.  I don’t care what music they play; I don’t care if they play music at all.  I won’t be there to hear it, will I?

Now, I ponder more than half-seriously what music will be the last I’ll hear as I lay dying, in the very last moments of my life.  For I would like some music to accompany, if not drown out, the death rattle.

If I could choose, I’ve thought of Bach’s The Goldbery Variations, my favorite of all classical pieces.  I’ve thought of Davis’s Kind of Blue, drifting on out with Miles and Coltraine and Cannonball and those other divinely cool cats.  I’ve thought of my favorite hymn, “Amazing Grace,” which always brings me comfort even in my most agnostic moods.  I think of “St. Louis Blues,” which I hereby declare to be my favorite song of all time.  I’d go strutting on out with Bessie Smirth, Satchmo on the trumpet.

But probably I won’t get to choose.  I’ll hear whatever my weary, frightened self conjures up for me.  I bet it will be a lullaby, the one my mother sang to her baby boy, in need of comfort.  I don’t remember what song she sang, but I know that she sang to me, and I’m sure that when the time comes, I’ll say, Oh yes, that song.

Then, the silence.

Dennis Vannatta is a Pushcart and Porter Prize winner, with essays and stories published in many magazines and anthologies, including River Styx, Chariton Review, Boulevard, and Antioch Review.  His sixth collection of stories, The Only World You Get¸ was published by Et Alia Press.

Essay from Sardorjon Ahmadjon o‘g‘li Ergashev

COLLECTION AND ANALYSIS METHODS OF STATISTICAL DATA: THEORETICAL AND PRACTICAL APPROACHES                                                 

Associate Professor Nargizaxon Olimova                                                 

Department of Management                                                 

Andijan State Technical Institute                                                  

Second-year student of Marketing                                                 

Andijan State Technical Institute                                                 

Sardorjon Ahmadjon o‘g‘li Ergashev

Annotasiya: Ushbu maqolada statistik ma’lumotlarni yig’ish va tahlil qilishning zamonaviy usullari atroflicha ko’rib chiqiladi. Tadqiqotning asosiy maqsadi turli sohalarda ma’lumotlarni to’plash, qayta ishlash va ulardan ilmiy-amaliy xulosalar chiqarish bo’yicha tizimli yondashuvlarni taqdim etishdan iborat. Ma’lumotlarni yig’ishning an’anaviy va innovatsion usullari, jumladan, so’rovnomalar, kuzatuvlar, eksperimentlar va raqamli manbalardan foydalanish tahlil qilinadi. Shuningdek, ma’lumotlarni tozalash, birlashtirish va dastlabki tahlil qilish bosqichlari muhimligi ta’kidlanadi. Maqolada statistik tahlilning asosiy vositalari, jumladan, deskriptiv statistika, korrelyatsion va regressiya tahlili, gipotezalarni tekshirish usullari va ma’lumotlarni vizualizatsiya qilishning ahamiyati yoritilgan. Zamonaviy dasturiy ta’minotlar va texnologiyalarning statistik tahlildagi roli ham muhokama qilinadi. Tadqiqot natijalari turli ilmiy yo’nalishlar va amaliy sohalarda samarali Kalit so’zlar: statistik ma’lumotlar, ma’lumotlarni yig’ish, ma’lumotlarni tahlil qilish, deskriptiv statistika, regressiya tahlili, gipoteza tekshirish

Annotation: This article comprehensively examines modern methods of collecting and analyzing statistical data. The main purpose of the study is to present systematic approaches to collecting, processing, and drawing scientific and practical conclusions from data in various fields. Traditional and innovative methods of data collection are analyzed, including surveys, observations, experiments, and the use of digital sources. In addition, the importance of data cleaning, integration, and preliminary analysis stages is emphasized. The article highlights the main tools of statistical analysis, including descriptive statistics, correlation and regression analysis, hypothesis testing methods, and the importance of data visualization. The role of modern software and technologies in statistical analysis is also discussed. The results of the research can be effectively applied in various scientific fields and practical areas.

Keywords: statistical data, data collection, data analysis, descriptive statistics, regression analysis, hypothesis testing.

Аннотация: В данной статье всесторонне рассматриваются современные методы сбора и анализа статистических данных. Основной целью исследования является представление системных подходов к сбору, обработке и получению научно-практических выводов на основе данных в различных областях. Анализируются традиционные и инновационные методы сбора данных, включая опросы, наблюдения, эксперименты и использование цифровых источников. Также подчеркивается важность этапов очистки данных, их объединения и первичного анализа. В статье освещаются основные инструменты статистического анализа, включая описательную статистику, корреляционный и регрессионный анализ, методы проверки гипотез, а также значение визуализации данных. Кроме того, рассматривается роль современных программных средств и технологий в статистическом анализе. Результаты исследования могут эффективно применяться в различных научных направлениях и практических сферах.

Ключевые слова: статистические данные, сбор данных, анализ данных, описательная статистика, регрессионный анализ, проверка гипотез.

Introduction Statistical data play an important role today in many fields such as scientific research, economics, social sciences, medicine, and technology. Decision-making based on data is considered the key to success in the modern world. The proper collection and analysis of statistical data ensures the objectivity and reliability of research. However, the complexity of data collection and analysis methods, as well as their incorrect application, may lead to inaccurate conclusions. Therefore, it is important to study these processes in depth and identify the most effective methods.

The main purpose of this research is to comprehensively examine the theoretical foundations and practical methods of collecting and analyzing statistical data. In particular, the study focuses on different methods of data collection, their advantages and disadvantages, as well as the main statistical tools and modern software solutions used in data analysis. The relevance of the study lies in the fact that with the increasing volume of data and expanding opportunities for their use, the demand for skills in effective and accurate data analysis is also growing. This work aims to provide practical assistance for specialists and researchers from various fields in working with statistical data.

The main objectives of the study are as follows: to compare different methods of data collection; to explain the main statistical methods of data analysis; to demonstrate the role of modern software in statistical analysis; to provide examples of the practical application of these methods.

Literature Review

Methods of collecting and analyzing statistical data have been widely studied by many scholars. A number of scientific works have presented important theoretical and practical perspectives on statistical analysis methods and their significance in scientific research.

For example, Ronald Aylmer Fisher is one of the scholars who made a significant contribution to the development of statistical analysis theory. He developed the scientific foundations of experimental research and regression analysis. His work laid the groundwork for the widespread application of statistical methods in scientific research. Similarly, Karl Pearson developed the theory of correlation and statistical relationships, creating important methods for analyzing statistical data. His work plays a crucial role in statistical modeling and data analysis.

The work of John Tukey also holds an important place in the development of modern statistical analysis methods. He introduced important ideas regarding data visualization, exploratory data analysis, and the practical application of statistical methods. In addition, modern software tools are widely used today in the process of processing and analyzing statistical data. Statistical programs make it possible to analyze large volumes of data quickly and efficiently. The scientific views and studies mentioned above contribute to the further improvement of methods for collecting and analyzing statistical data.

Research Methodology In this study, the literature review method was chosen as the main methodology to examine the theoretical and practical aspects of collecting and analyzing statistical data. During the research process, leading scientific journals, books, conference materials, and online databases were used. Both classical and modern literature on data collection methods were analyzed in detail, including surveys, observations, experiments, and the use of databases. The specific advantages, disadvantages, scope of application, and effectiveness of each method were evaluated.

For example, surveys allow researchers to reach a wide audience; however, they may be affected by respondent subjectivity and sampling errors. Observations can provide objective data but often require considerable time and resources. Experiments are effective for identifying cause-and-effect relationships, although their implementation conditions may be complex. The opportunities of using digital data sources (big data) and the specific challenges associated with processing such data were also examined.

Regarding data analysis methods, both descriptive statistics (mean, median, mode, standard deviation, etc.) and inferential statistics (hypothesis testing, t-test, ANOVA, chi-square test, etc.) were analyzed. In addition, the main principles and applications of correlation and regression analysis methods were studied to determine relationships between variables. The importance of data preparation stages such as data integration, data cleaning, and data transformation was emphasized. Modern statistical software tools, including SPSS, R, Python (with libraries such as Pandas, NumPy, SciPy, and Scikit-learn), and Stata, were also reviewed in terms of their role and capabilities in statistical analysis.

These tools allow researchers to visualize data through methods such as histograms, charts, and scatter plots, making research results more understandable. The research process consisted of the following stages: Systematic review of scientific literature related to the topic. Classification and description of data collection and analysis methods. Identification of advantages, disadvantages, and application areas of each method. Evaluation of the role of modern software tools in statistical analysis. Generalization of research results and formulation of conclusions.

Analysis and Results

The literature analysis showed that numerous methods exist for collecting and analyzing statistical data, and their application depends on the research objectives, available resources, and the type of data. Among data collection methods, surveys are the most widely used. They are essential for studying public opinion, market research, and the analysis of social phenomena. For example, sampling methods such as simple random sampling and stratified sampling can provide samples that reliably represent the general population. However, surveys may face problems such as non-response and social desirability bias, which can affect the accuracy of results.

Observation methods, including participant observation and non-participant observation, are used to study various natural processes. For example, observations are valuable in studying animal behavior or analyzing children’s behavior in school environments. Experimental methods, involving control groups and experimental groups, are considered the most powerful approach for identifying cause-and-effect relationships. Experiments are widely used in medicine to test drug effectiveness and in psychology to study the effects of various factors on human behavior. Digital sources such as social networks, websites, and sensors generate large volumes of data (big data). Analyzing such data requires specialized technologies and algorithms.

In data analysis, descriptive statistics play a crucial role in summarizing results. For example, calculating the mean salary, determining the age distribution of respondents, or identifying the standard deviation of product sales helps in understanding research outcomes. Inferential statistics allow conclusions to be drawn about a population based on sample data. In hypothesis testing, the p-value plays an important role; if p < 0.05, the hypothesis is usually rejected.

The correlation coefficient, such as Pearson’s r, indicates the degree of linear relationship between two variables (r ranges from -1 to +1). Regression analysis enables modeling the effect of one or more independent variables on a dependent variable. For example, house prices can be predicted based on area, location, and age using linear regression: Y = β0 + β1X1 + β2X2 + … + εModern software tools such as R and Python significantly simplify data analysis. In R, the ggplot2 package allows high-quality visualizations, while Python with Pandas and Scikit-learn provides powerful capabilities for data processing and model development. The results of the study indicate that selecting appropriate methods, preparing data correctly, and interpreting results accurately are essential for effective statistical analysis.

Conclusion

This study provided a comprehensive analysis of the theoretical and practical aspects of collecting and analyzing statistical data. The findings indicate that effective data collection and analysis play a crucial role in scientific research and practical decision-making. Various methods of data collection exist, including surveys, observations, experiments, and digital sources, each with its own advantages and disadvantages. Therefore, selecting the most appropriate method depends on the research objectives and available conditions. In data analysis, methods such as descriptive statistics, inferential statistics, correlation analysis, and regression analysis play an important role. These methods are widely used for hypothesis testing, identifying relationships between variables, and developing predictive models.

Modern software tools such as R and Python significantly simplify the data analysis process and expand visualization capabilities. However, the correct selection of methods, proper data preparation, and critical interpretation of results largely depend on the researcher’s knowledge and skills. The methods and principles presented in this article can serve as a practical guide for specialists, researchers, and students working with statistical data. In the future, with the growth of data volumes and the emergence of new technologies, it will become increasingly important to study and apply more complex and automated data analysis methods. In particular, further research is needed on the role of machine learning in statistical analysis, new algorithms for processing big data, and methods for ensuring data privacy.

Additionally, conducting more case studies demonstrating the practical application of these methods in various fields would be beneficial.

Foydalanilgan adabiyotlar roʻyxati 1. Abramov, A. V. (2019). Osnovy statistiki. Moskva: Prospekt.2. Agresti, A., & Franklin, C. L. (2013). Statistics: The Art and Science of Learning from Data. Pearson.3. Field, A. (2013). Discovering Statistics Using IBM SPSS Statistics. Sage Publications.4. Gelman, A., & Hill, J. (2007). Data Analysis Using Regression and Multilevel/Hierarchical Models. Cambridge University Press.5. Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2010). Multivariate Data Analysis. Prentice Hall.6. Hays, W. L. (1994). Statistics. Harcourt Brace College Publishers.7. James, G., Witten, D., Hastie, T., & Tibshirani, R. (2013). An Introduction to Statistical Learning: With Applications in R. Springer.8. Kutner, M. H., Nachtsheim, C. J., Neter, J., & Li, W. (2005). Applied Linear Statistical Models. McGraw-Hill/Irwin.9. Liao, T. F. (2013). Data collection processes in social science research. SAGE Publications.10. McClave, J. T., & Sincich, T. (2017). Statistics. Pearson.

11. Montgomery, D. C., Peck, E. A., & Vining, G. G. (2012). Introduction to Linear Regression Analysis. John Wiley & Sons.12. Nisbet, R. C. (2003). The social psychology of extraordinary claims of the paranormal: a critical review. Psychological Bulletin, 129(3), 339–369.13. Peat, J., & Bartram, L. (2008). Medical Statistics: A Guide to the Interpretation of Medical Literature. BMJ Books.14. Shumway, R. H., & Stoffer, D. S. (2017). Time Series Analysis and Its Applications: With R Examples. Springer.15. Tan, H. W., & Tan, S. H. (2019). A Comprehensive Guide to Data Collection Methods. CRC Press.16. Tukey, J. W. (1977). Exploratory Data Analysis. Addison-Wesley.17. Wasserman, L. (2004). All of Statistics: A Concise Course in Statistical Inference. Springer.18. Yiu, K. M. (2010). The Art of R Programming: Design, Build, Extend. Addison-Wesley.19. Zar, J. H. (1999). Biostatistical Analysis. Prentice Hall.

Essay from Sardorjon Nabiyev

Singing Ramadan at Your Door

Author: Sardorjon Nabiyev

Abstract

This short story recalls a childhood memory connected with the tradition of singing Ramadan songs in Uzbek neighborhoods. Through the innocent perspective of a child, the narrative reflects on warmth, kindness, and the first experience of injustice. The story highlights family affection, particularly a touching moment that reveals a father’s quiet love and care for his child. It also captures the cultural atmosphere of Ramadan and the emotional memories associated with it.

Keywords Ramadan tradition, childhood memory, fatherly love, family values, Uzbek culture, neighborhood traditions

Story

I was still a small child then. It was one of those years when the month of Ramadan fell in the middle of winter. The days were short, the nights were long, and the air was cold and biting. One evening, together with the children from our neighborhood, we set out to sing Ramadan songs from house to house. The older boys came with us as guards. They never sang themselves—perhaps they were too shy. The younger children, however, would step up to the gates and sing loudly: We came to your door singing for Ramadan, May God bless your cradle with a baby boy. Ash in the hearth, money in the pocket, Please bring out a hundred soʻm for us. With that hundred soʻm we bought a horse, We sold the horse and married a girl. The girl’s name was Nigora, Poor thing, she bakes bread. Nigora ran away, And the dough was left to rise. What shall we do now? We will keep wandering, singing Ramadan!

The homeowners would come out with bread, sweets, fruit, or sometimes a little money. Four of us would hold a cloth open like a tablecloth, and the gifts would be placed into it. In this way we walked through several neighborhoods, happily singing and laughing. But when it was time to divide what we had collected, the older boys took the money and the best things for themselves. The rest—the leftovers—were given to us. Looking back now, I realize that this was probably the first injustice my young heart had ever witnessed.

When I returned home, my hands had turned blue from the cold. In my hands I carried a small bundle: dark bread, some fruit, and a few small treats. My mother looked at me with worry, pulled me into her arms, and said, “Oh, my poor child, why did you need this? Look how cold you are.” I kept telling her about the unfairness I had seen. No matter how hard she tried, I couldn’t warm up. My hands were stiff like wood, and tears slipped from my eyes.

Then my father took my little hands into his large, warm ones. Gently, he blew warm air onto them again and again, trying to warm them. Slowly, the warmth returned. That day, I discovered something new about my father. Until then, I had always thought of him as a strict and stern man. But in that quiet moment, I realized how deeply kind and loving he truly was. Every time the month of Ramadan comes, and children walk through the streets singing Ramadan songs, this memory returns to me.

Ramadan, thank you for revealing to me a father’s love.

Author Bio

Sardorjon Nabiyev is an emerging writer from Uzbekistan whose works focus on childhood memories, cultural traditions, and family values. His writing reflects everyday life and emotional experiences through simple yet meaningful storytelling.

Essay from Muslimbek Abdurakhimov

HONESTY KNOWS NO NATIONALITY                                                                         

Muslimbek Abdurakhimov                                                                        

Computer Engineering Specialist       

                                                                           

Annotatsiya

Mazkur hikoyada kundalik hayotda uchraydigan oddiy savdo jarayoni orqali halollik, mas’uliyat va insoniylik kabi fazilatlar yoritiladi. Muallif Rossiyada tahsil olayotgan paytida quloqchin sotib olish jarayonida yuzaga kelgan kichik muammo haqida hikoya qiladi. Sotuvchining vijdonli munosabati, xaridor oldidagi mas’uliyati va halolligi voqea orqali ta’sirchan tarzda ochib beriladi. Asar insoniy qadriyatlarning millat va hudud tanlamasligini ko‘rsatadi.

Kalit so‘zlar: halollik, savdo madaniyati, mas’uliyat, insoniylik, sotuvchi va xaridor munosabati, ishonch.

Аннотация В данном рассказе через простой случай из повседневной жизни раскрываются такие человеческие качества, как честность, ответственность и порядочность. Автор описывает ситуацию, произошедшую во время покупки наушников в период обучения в России. Несмотря на возникшую небольшую неисправность товара, продавец проявляет честность и ответственность перед покупателем. Рассказ показывает, что такие человеческие ценности, как честность и добросовестность, не зависят от национальности и границ.Ключевые слова: честность, культура торговли, ответственность, человечность, отношения продавца и покупателя, доверие.

Annotation This story highlights values such as honesty, responsibility, and humanity through a simple situation from everyday life. The author describes an incident that occurred while purchasing headphones during his studies in Russia. Despite a minor defect in the product, the seller demonstrates honesty and responsibility toward the customer. The story emphasizes that human values such as honesty and integrity go beyond nationality and borders.

Keywords: honesty, trade culture, responsibility, humanity, seller–customer relations, trust.

Story

I study in Russia. Recently, I bought a pair of headphones. Since the distance was quite far, I asked the seller to deliver them to the place where I live (my rented apartment). He agreed and brought the headphones. I received the product, but the delivery person did not give me even 15 minutes to check it. Therefore, I had to test the headphones later. After he left, I tried them. Unfortunately, the volume control buttons did not work, although the rest of the headphones worked perfectly. I thought, “Never mind,” and decided not to tell the seller about it. After some time, unexpectedly, the seller himself contacted me on Telegram. He asked how the headphones were working. At that moment, I told him the truth — that the volume control buttons were not functioning.

The seller immediately called me and sincerely apologized. He then refunded the full price of the headphones. What surprised me the most was that he also told me to keep the headphones as a gift. Although I am still young, I have visited several countries. In those places, I have also faced various problems while shopping. In many cases, sellers would turn off their phones or simply ignore messages.

This incident proved something to me once again: honesty and conscience do not depend on nationality. Once again, I was impressed by the honesty of the Russian people.

About the Author

Muslimbek Abdukarimov is a computer engineering specialist with a higher education. He works in the field of modern technology. His writings reflect real-life events, human values, and meaningful situations from everyday life.

Poetry from Wan Yilong

About Wan Yilong 

High-Dimensional Wisdom Mentor / High-Dimensional Spiritual Poet / Inheritor of Dongba Culture  / Master of Traditional Chinese Culture / Great Master of World Multiculturalism /  Donor and Founder, Dean of Yulong Wenbi Dongba Culture Academy / Dean of Aming Gaotu High-Dimensional Wisdom Academy / Philanthropist

Beyond the Firmament

(Homeward Chapter)

Poem By Wan Yilong

Translated By Lan Xin

YIMI4372--

When the morning star rises in the east

In the starry sky hang countless sorrowful eyes

I open my wisdom eyes and gaze

Beyond the galaxy tears have long been pouring

I whisper to the universe what happened

She unfolds a picture before me

Countless mechs overturn heaven and earth

Countless planets burn with raging war

Myriad races slaughter each other

Billions of lives wither in strife

Ruined walls and fragments turn to glaze

Dead planets only cold iron shadows remain

Surviving star people struggle to forage in black water

All I see is rotten bones

Hungry rushing here and there

Mutated beasts no longer fit to eat

They hunt in packs spread plague

Despair spreads silently in the dust

Desperate beings pray to heaven

A voice echoes slowly

We have stored food

When rows of dark caves are opened

Out step

Men women and children in swaddling clothes

All gasp in astonishment is this our food

The voice replies

They are our clones

I close my eyes in sorrow

The universe whispers admonition

All beings must awake

Every life is a child of the universe

Every soul yearns for ascension

Dark technology will eventually turn on itself

Cold power only destroys life

We are all brothers born of the same womb

Without love there is no universe

Without compassion even destruction cannot be reborn

Love and compassion are the eternal themes of the universe

With this thought even in purgatory

We can be reborn

That scene is the universe’s past

And also the mirror of the future

Mother universe is calling out

Wake up

Greed confuses the eyes

Souls sink in delusion

Love and hate are self-imposed barriers

Greed anger delusion are the cages of the heart

Every planet can be a cage for the heart

Everybody can be a dojo for awakening

Look within you are complete

Every soul yearns for light

Compassion can break the curse of all dark technology

Souls will ultimately live forever at the source of the universe

The ultimate civilization of the world is about to begin

Its name is universal harmony

We come from eternity rush to this moment

Only to wake up the sleeping beings

Live in the present change the past determine the future

The past and the future are but a single thought

I wake slowly from meditation

The morning sun illuminates the mountains and rivers and every heart

From now on I have no choice but to move forward

This is my fate

Is also your fate

And even more the common fate of all beings

Technology must ultimately serve the ascension of souls

Footnote

Taking homecoming as its central metaphor, this poem lays bare the absurdity and spiritual awakening of an age dominated by technology. Mechs and warfare, cloning and alienation unfold in layered progression, striking straight to the spiritual predicament of modern society. Breaking free from linear narrative, it employs vivid visual metaphors and interior monologue to explore the eternal themes of love and redemption, selfhood and the mirrored self. The fate and awakening revealed at its close represent the homecoming not only of the individual, but of all sentient beings.

Essay from Mamatkulova Muklisa

By Mamatkulova Mukhlisa
Tg:@mamatkulova_mukhlisa
Uzbekistan, Samarkand.

The Double-Edged Sword: Microfinance and Its Global Economic Impact

Smart Money for Small Business: Navigating the Microfinance Frontier.


For decades, the global financial system operated as a closed club, excluding nearly 1.7 billion unbanked adults who lived on less than $2 a day. Microfinance emerged as a revolutionary tool to fix this market failure, aiming to unleash the productive capacities of the poor through modest loans, savings, and insurance. In 2026, this sector has evolved from a narrow focus on “entrepreneurial finance” to a broader “household finance” model, providing vital liquidity for
small shops and medical expenses. Currently, the market is on a high-growth trajectory, valued at $266.13 Billion in 2026 and projected to reach $406.39 Billion by 2030.”

The Economic Benefits: Catalyzing Growth from the Bottom Up
Microfinance acts as a powerful growth accelerator at the local level by targeting those traditionally excluded due to a lack of collateral.


1) Poverty Alleviation & Income Growth: Studies indicate that households with access to microfinance see an average income gain of 15–25% compared to those without. In countries like Bangladesh, microfinance has contributed to 8.9% to 11.9% of national GDP in recent years. The global microfinance market is projected to grow to $266.13 billion by the end of 2026. This represents a CAGR (Compound Annual Growth Rate) of 11.2%, which is significantly higher than the global average GDP growth of 3.3% reported by the IMF for 2026.


2)Empowering Women: Approximately 80% of microfinance clients are women. Empowering women yields undeniable returns; evidence shows that children of female borrowers are less likely to experience illness or illiteracy, as mothers prioritize education and healthcare spending. Reliable 2025/2026 data shows that women maintain an average repayment rate of 96%, compared to 91% for men, making them the most ‘bankable’ demographic in the microfinance frontier


3)Building Resilience: Beyond loans, micro-savings and micro-insurance act as “safety mechanisms,” preventing families from slipping back into poverty when hit by unexpected shocks like
droughts or illnesses. As of 2026, these micro-insurance mechanisms cover over 344 million people globally, representing a 70% increase in just three years. This is critical because, without
insurance, a single climate shock like a drought can slash a small farmer’s annual income by 15% to 18% instantly, creating a debt trap that lasts for generations.

The Structural Weaknesses: When “Smart Money” Fails


Despite its successes, the microfinance model faces significant criticisms and operational hurdles.

1)The Burden of High Interest Rates: Microfinance loans often carry high interest rates—weighted averages for some products in late 2025 reached 24.13%, with maximums near 30%. These high
rates are driven by the massive operational costs of delivering small loans to remote areas, but they can be perceived as exploitative. Specifically, these high rates are a byproduct of Operating Expense
Ratios (OER) that average 15.8% to 19.2% for rural MFIs. In finance terms, the administrative cost of processing a $100 loan is nearly the same as a $10,000 loan, creating an inherent diseconomy of
scale for micro-lenders

2)The Trap of Over-Indebtedness: Critics argue that without proper regulation, borrowers can accumulate interest over long periods, leading to a “strangle-hold of debt”. This phenomenon, known
as ‘Loan Cycling,’ is a systemic risk; 2026 market data indicates that in saturated regions, up to 14% of borrowers now hold three or more active loans simultaneously. This pushes the Portfolio at Risk (PAR 30)—the industry standard for measuring defaults—above the critical 5.5% threshold, signaling a credit bubble. In some cases, poverty itself drives individuals to take loans they cannot repay, potentially escalating poverty levels in the long run.

3)Regulatory & Political Risk: Governments often intervene with interest rates ceilings to protect the poor, which can inadvertently cause markets to contract as lenders retreat from high-risk rural areas. Recent legislation, like the Bihar MFI Bill 2026 in India, has introduced tighter oversight and caps, causing immediate market volatility for major lenders.

Historical Precedent: As shown in this data from the Asian Development Bank, when strict interest rate caps
are introduced (black line), borrower outreach often plateaus as the diseconomy of scale makes small-ticket lending unsustainable for MFIs.