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Introduction to Green Microenterprise Development


Introduction to Green Microenterprise Development Presented by Liz Penney, Director of Community Outreach, Appalachian Community Enterprises/Georgia Green Loans – PowerPoint PPT presentation

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Title: Introduction to Green Microenterprise Development

Introduction to Green Microenterprise Development
Presented by Liz Penney, Director of Community
Outreach, Appalachian Community
Enterprises/Georgia Green Loans Jason Friedman,
Principal Friedman Associates
Funded in part by U.S. Small Business
Administration PRIME Program
Our Objectives Today
  • What do we mean by green microenterprise?
  • What is the role of MDOs in the Green Business
  • Does green make sense as a strategy for MDOs?
    What goals does this accomplish? Does it
    contribute to our bottom line?
  • What are our colleagues doing in this area?
  • What are our goals for a Green Microenterprise

What Do We Mean by Green?
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The Green Economy
  • Consumer spending in the green economy is growing
  • In 2005 in the U.S. alone, there was a 228.9
    billion market for goods and services focused on
    health, the environment, social justice, personal
    development and sustainable living.
  • These include purchases related to renewable
    energy, organic food, alternative fuel vehicles,
    non-toxic cleaning products, alternative health
    care and resource-efficient products.
  • This market sometimes referred to as LOHAS,
    short for Lifestyles of Health and Sustainability
    -- is projected to reach 1 trillion annually by
    2020 (LOHAS Journal, 2007).

Why Now?
  • Demands for increased transparency
  • Need to support a growing and developing
  • Rising public concern for the impacts on the
  • Climate change.

How is Green Good Business?
  • Reduce waste increase profits
  • Increase revenue by recognizing, meeting,
    anticipating customer expectations for better,
    safer and more benign products and services.
  • Reduce risk by eliminating hazards to workers,
    customers, and the world before the regulators
    require you to!

What's Green?
  • How far must a company go to be considered a
    green business?
  • How do you define a green business?

Which Cleaning Business is Green?
  • Uses nontoxic products for residential and office
  • Uses its own homemade products and packages into
    reusable kitchen spray bottles no shipping
  • Like 2, but limits is geographic service area to
    one neighborhood and employees ride their bikes,
    eliminating the need to drive.
  • All three could be described as green even
    though they vary considerably on where they fall
    on the continuum in terms of sustainability and
    environmental commitment.

Scott Cooney in Build a Green Small Business
defines it as one that incorporates the following
attributes of environmental commitment into its
business plan
  • 1. Incorporates principles of sustainability into
    each of its business decisions.
  • 2. Supplies environmentally friendly products or
    services that replace demand for non-green
  • 3. Greener than traditional competition. Organic
    farming is clear cut. Many businesses are not.
  • Is a bike shop green? Downhill Mountain bikes?
    Likely need to be driven to the mountain and then
    carried up by chair lift. As opposed to a bike
    shop that sells commuting and road bikes ride
    right from their house.
  • 4. Commitment to environmental principles in its
    business operations.

What Green is Not
  • The trouble with green is that it implies just
  • But sustainability living and doing business in
    ways that don't erode the potential for future
    generations is commonly referred to as the
    triple bottom line (TBL) of economic,
    environmental, and social benefit.
  • It should not be separate from business strategy
    and operations it is about integrating social
    and environmental concerns into business strategy
    and operations.

  • However, green is not just another sector to
    target like childcare, arts, or food.
  • What makes green different is that it represents
    a specific philosophy and set of values about
    operating a business.
  • The green business conserves natural resources,
    eliminates waste and stays ecologically in
    balance. It implement beliefs, policies, and
    practices that improve the quality of life for
    their customers, their employees, communities,
    and the environment.

  • What roles are other MDOs playing in the Green
    Business Movement?

  • Specialized Workshops

AnewAmerica's Green Business Certificate Program
(San Jose, CA)
  • Encourage entrepreneurs to adopt green,
    sustainable business practices.
  • Entrepreneurs reach green business certification
    levels by greening their operations or offering a
    green good or service. 
  • All AnewAmerica certified green business owners
    must have an active social responsibility plan.
  • Providing green business support through
    implementing green curriculum in its Virtual
    Business Incubator classes and hosting green
    business experts as guest speakers and coaching
    from current green business owners and
    professional consultants. 

Latino Economic Development Corporation,
Washington, DC.
  • In communities across North America, BALLE
    (Business Alliance for Local Living Economies)
    networks are launching campaigns to help
    consumers and entrepreneurs think locally.
  • Created a business alliance, Local First DC, to
    promote small, local, and independent businesses,
    educating communities about the value of shopping
    locally, and advocating for the implementation of
    economically and environmentally sustainable
    business practices.

LEDC Greening Your Garbage Workshop
  • LEDCs Local First DC developed a workshop for
    businesses to learn how to improve and implement
    waste, recycling and composting programs in their
    small business.
  • Learn from entrepreneurs who are composting their
  • Local recycler of bio-degradable
  • Commercial composter
  • Grease recycler
  • Find local suppliers of environmentally friendly
  • Hear about DC's recycling and composting
    initiatives from the District Department of the

LEDC Green Cleaning
  • Staff developed a course for owners of cleaning
    companies that are looking for an edge over their
  • Explain the advantages of green cleaning,
    recommend products, analyze the demand for these
    services in the DC area, and teach how to market
    the benefits of green cleaning.
  • Connect to distributors and wholesalers who sell
    these products and provide free samples
  • Developed with Anca Novacovici, owner of eco
    coach (http// and author of
    the book "Sustainability 101 A toolkit for your

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Other Green Training and Workshop Ideas
  • The Key Principles and Steps to Incorporating
    Green Environmentally Responsible Practices
    into Your Small Business
  • Evaluating environmental and natural resource
    market issues and identifying green business
  • Understanding Green Marketing Terms and Labels
    and their Potential for Benefits for Your
  • Greening Hospitality
  • Green Waste Management, Green Gardening and Green
    Landscaping Business Opportunities

Specialized Business Technical Assistance
How Green Is Your Daycare? Questions For
  • Does the facility have wall-to-wall carpets,
    which gather dirt and expose children to
    allergens or throw-rugs that are cleaned
    regularly? Was chomated copper arsenate-treated
    wood used in any outdoor playset or furniture?
  • Has soil been tested for contaminants?
  • Do you use any art supplies on the CA Office of
    Environmental Health Hazard Assessment's list of
    products which cannot be used in grades K through
  • Do you monitor air for carbon monoxide?
  • Are employees allowed to smoke at or near the
  • Are pesticides used within or outside the
    facility at any time?
  • Do you use least-toxic cleaners free of
    irritating chemicals, like chlorine, ammonia and
    synthetic fragrances?
  • Are staff trained in eco-friendly practices, such
    as integrated pest management and the use of
    least-toxic cleaners?
  • Do you test water for lead?

Sustainability Assessments Neighborhood Assets,
Spokane, Washington
  • Approved loan clients receive a thorough
    sustainability assessment conducted by
    Sustainable Local Investments Project (SLIP).
  • Coalition of public and private organizations in
    the area SLIP provides access to specialists in
    the community who can help businesses make cost
    effective investments in energy conservation,
    alternative energy sources, waste reduction, and
    other environmental improvements.
  • Commit to implementing certain recommendations
    from the SCORE assessment, they are given a 2
    point discount on their loan. Follow up to
    ensure that they follow through on those
    implementation steps.

Green Sustainability Checklists
  • General sustainability checklists.
  • Heres another one.
  • For a landscaping business.
  • Food facilities business.
  • sustainability pledge

  • Green Business Financing

Mountain Association for Community Economic
Development (MACED)
  • MACED works in eastern Kentucky Central
    Appalachia to create economic opportunity,
    strengthen democracy and support the sustainable
    use of natural resources.
  • The Energy Efficient Enterprises (E3) program
    helps businesses realize cost savings through the
    use of energy efficient equipment and systems or
    through renewable energy sources.
  • Begins with an on-site energy assessment,
    followed by recommendations for change
    assistance with identifying and choosing an
    independent installation company.
  • MACED provides financing for identified
    improvements at low rates and flexible terms for
    each enterprise.

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Liz Penney, Director of Community Outreach
About ACE
  • Our mission is to provide Access to Capital,
    Connections, and Education to help new and
    existing small businesses.
  • ACE provides loans of 500 to 50,000 in 68 North
    Georgia counties, including the Atlanta metro
  • ACE is an SBA Microloan Intermediary and CDFI.
  • Since 2000, ACE has loaned over 4.5 million and
    created or retained over 1000 jobs.

What is Georgia Green Loans?
A new brand Georgia Green Loans provides
capital to start or expand an eco-friendly
product or service or green an existing
1,917 unique visitors since May 2009 ranked high
in Google due to blog, Facebook and Videos
Target Markets
  • Green industry businesses, including alternative
    energy, organic farming, recycling, conservation,
    green building and pollution prevention.
  • Traditional businesses who want to implement
    green products or services, make energy
    efficiency improvements, or become more

New jobs come from new young firms. Kauffman
Entrepreneur Foundation, 2009
Success SolarFlex Technologies
  • Customers
  • Commercial
  • Public sector
  • Non-profit organizations
  • Goals
  • Control costs
  • Save energy
  • Create a comprehensive energy strategy, and
  • Achieve an excellent return on investment.

Success Georgia Mountain Berry Farms
  • Eastanollee, Georgia
  • Main produce Blackberries
  • Currently three part-time workers
  • Wholesale production
  • 15-20 local employees
  • Georgia Grown/Georgia Made

This area used to be all textilesit can become
an agricultural force in Northeast Georgia -
Arthur Thomas, Owner/Founder
Success American Installation Corp.
  • Energy efficient exterior doors using recycled
  • Received loan for expansion
  • Three employees added since loan was made

Every component of our metal and glass doors is
American Made! Plus, no one else is building
these doors in the US. - Israel Greene, Owner
Success Better for Babies, Inc.
  • Inspired overseas Better for Babies, Inc. now has
    its roots firmly planted, and growing, outside
  • Owner Leah Carter, opened her own manufacturing
    facility near her towns square.
  • Leah and her partner, Lauren Parker, operate
    local sustainable production, fair wages, green
    business practices, and an uncompromising
    commitment to quality products, innovation and
    customer service.

Little Beetle organic diapers and wool covers
Results Thus Far
  • 770,000 in portfolio.
  • Average green loan size of 23,610.
  • Created/retained 100 full time and 4 part time
    green jobs.

Georgia Green Loans Metrics
Demographic Data collected on all loans
  • Environmental Benefits?
  • Energy conservation through reduction
  • Energy efficiency improvements
  • Renewable energy generated
  • Toxic substances reduced, reused, recycled or
  • Waste products reduced, reused, recycled or
  • Water quality preservation
  • Water use reduction
  • Other?
  • Business Benefits?
  • Lower Fuel Costs
  • Renewable energy created
  • Toxic substances eliminated
  • Waste costs reduced or eliminated
  • Water quality enhanced
  • Water use/cost reduced
  • Other?

Georgia Green Loans Advisory Council
  • Guide the green loan program
  • Provide expertise in green business development
  • Bring connections to potential funders and
    individual donors
  • Assist in guiding the establishment of Georgia
    Green Loans in the state of Georgia
  • Leaders in the community and people with highly
    respected skills in critical areas
  • At least two members will be current clients of
  • 2 year term meet quarterly
  • Examples Georgia Organics, Southface Energy
    Institute, foundations

Collaboration with other lenders
  • Collaboration with two other lenders SBAC
    (Small Business Assistance Corp out of Savannah)
    and ACT (Albany Community Together, Inc.)
  • When a business goes to the website to apply for
    a loan, their county selection automatically
    routes them to the organization that handles that
  • Recent approval by SBA to split non-served middle
    Georgia counties