Sustainable Finance

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Sustainable Finance
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Sustainable Finance

• Financing of trade in a fair, just and
  sustainable way
• Issues and cases

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Sustainable Finance

• Alison Warters Shell Foundation UK
• Christian Schmitz SIDI France
• Allan Bussard Integra Slovakia

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Sustainable Finance - Issues

• what is livelihood finance?
• what is sustainable?
• finance beyond credit?
• for-profit models?
• responsible consumerism?
• current issues in fair trade?

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Sustainable Finance - Cases

• a microfinance program achieves sustainability
  at the cost of moving up-market

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Sustainable Finance - Cases

• a business unit that provides social benefit
  needs to be subsidized to stay alive

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Sustainable Finance - Cases

• a solidarity savings bank struggles to place
  investments in a way that fits the promised risk
  profile

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Sustainable Finance - Cases

• an environmental business takes longer to move
  into profit than anticipated

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Sustainable Finance - Cases

• a poor client faces a crisis and is unable to
  repay

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Sustainable Finance - Cases

• an African partner agency with a strong social
  mission is unable to meet project targets and
  deadlines

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Sustainable Finance - Cases

• a Fair Trade company cannot achieve
  profitability with the original product mix, and
  needs to drop one of the original suppliers.

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Integra Microenterprise Strategy

• Market Access Services
• Brand
• Consulting
• Retail
• Wholesale
• Business linkages

HR Development -BDS -IT skills -Communication
skills -Coaching -Thematic training

• Financial Services
• Microcredit
• Other financial services
• Public programs

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Product design and quality consulting
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Enter Fair Trade imported food
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Product Mix

• Fair Trade imported food products
• Fair Trade local client products

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The Dilemma
NGO
VS.
Ltd. company
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The Dilemma

• Should we continue to subsidise local product
  sales, or abandon this product category?
• What would you do?