Browse by Theme: Financial Inclusion

Reyna Araceli Reyes Sorto, age 44, lives in Villanueva Cortes in Honduras. When she was a child she dreamed of being a doctor yet because of economic hardship and lack of access to higher education, she was unable fulfil her dream. Until recently, she never thought a woman of her age could have the opportunity to have a job, to own a business, or to be engaged in any income generation activities; she believed only her husband could generate income. Then she joined a Rural Savings and Credit Union.

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Functioning market systems and a responsible and responsive private sector are critical to livelihoods, autonomy and well-being. However they are both heavily impacted by crisis, including war.

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Women are very important stakeholders for the whole cocoa industry – not just as customers and consumers, but also because of their roles as cocoa producers. Although cocoa is seen as a “male crop” in most of the producing countries, women have a key role in activities that are critical for the volume and quality of the production. Nevertheless, the “invisibility” of women has serious consequences for their access to technical training and productive resources in general, which is unjust and also represents a huge inefficiency in business terms.

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More diverse income, higher household assets, and more women's access to inputs. Find out how.

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We often talk about providing people with skills, knowledge and tools so they can improve their lives – but sometimes the impact is hard to quantify. So how does the fact that more than 90% of women’s businesses grew over the course of the Skilling for Change programme sound?

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I recently visited Ghana with a team of Mondelēz International Ambassadors to understand the Cocoa Life value chain from seeds to farming to trading and processing. It was great to see an innovative, inclusive business model in action, driving sustainability for the world’s largest snacking company AND improving the livelihoods of poor cocoa farmers. During the visit I saw for myself how a vibrant value chain is stronger than the sum of its partners; and why it’s important for businesses to address gender inequality and financial exclusion. I also learnt a lot about chocolate!

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