Outlook for Sustainable Development
In 2015, the United Nations launched the Sustainable Development Goals (SDGs) to expand upon the progress of the Millennium Development Goals that were set from 2000 to 2015.

Comprised of 17 goals, the SDGs address issues such as poverty, education and health with the overall aim of achieving worldwide peace and prosperity by 2030. Three years into the initial reports on the outlook for Sustainable Development Goals express skepticism that these goals can be reached at the current rate of progress. The problems in meeting these goals are described below.

Eliminating Poverty

According to the World Bank, the rate of poverty reduction that more than halved the world population of people living in extreme poverty from 1990 to 2015 is currently in decline. The organization estimates that the annual rate of poverty reduction that was 2.5 percent from 2011 to 2013, will decrease to less than half a percentage point.

The World Bank has also calculated that the bottom 40 percent of people in terms of income would need to see a yearly income increase of eight percent or more for the next 12 years in order to meet the first SDG of reducing the global poverty rate to 3 percent or lower. The report also notes that income growth never reached this height from 2000 to 2015, despite the notable progress in poverty reduction during these years.

Improving Education

Although the information is scarce, the available data suggests that the current rate of progress in education is also too slow to meet designated targets by 2030. In its 2018 report, the United Nations International Children’s Emergency Fund (UNICEF) projects that at least 22 million children worldwide will be unable to participate in pre-primary education unless the current rate of progress doubles in countries that lag behind.

Low reading proficiencies among 15-year-old adolescents are of additional concern. According to the same UNICEF report, 26 percent of countries and 36 percent of 15-year-olds need to see faster improvement in reading proficiency in order to meet the target for quality education. This is without accounting the 70 percent of countries and 61 percent of 15-year-olds for which there is little or no data.

Providing Better Health Care

Along with education, health is considered one of the most important factors in fostering economic and other forms of development. The Gates Foundation’s Goalkeepers Report provides recent data and future projections for 18 SDG indicators as a way of tracking the overall progress of the initiative, the majority of them pertaining to health. According to the 2018 report, the U.N. estimates that by 2030:

  • Mortality of children under the age of 5 will be reduced from 3,9 percent of live births to 2,6 percent, which is 1,4 higher than the target.
  • The rate of stunting in children under the age of 5 will be reduced from 27 percent to 22 percent, which is 7 percent above the target.
  • Basic vaccines will be available to anywhere from 74 to 90 percent of the world population, falling short of the goal to be accessible to all people.
  • Neglected tropical diseases will see a decrease from 17,000 to 13,000 per 100,000 people, well above the goal of 15,000 cases per 100,000.
  • Universal health coverage will be available to 72 percent of the global population, 3 percentage points higher than in 2017 but well below the goal of achieving universal coverage for everyone.

The Good News in the Outlook for Sustainable Development Goals

While the outlook for sustainable development in each of these reports is not ideal in terms of the time it will take to be achieved, data trends still show progress, not regression, in development. With 12 years remaining, the United Nations is still in the initial stages of its 2030 Agenda for Sustainable Development. If the projections for 2030 fall short of the targets for the SDGs, they at least provide a better understanding of the extent of the resources necessary to improve the outlook for sustainable development goals going forward.

In consideration of the data, the World Bank, UNICEF and the Gates Foundation have all called for increased investment in world development. As a specific example, the World Bank has invested $3.2 billion in education programs for girls between 2016 and 2018, exceeding a commitment of $2.5 billion.

If all actors in the 2030 Agenda follow suit, the current outlook for Sustainable Development Goals does not have to determine the final extent of the world’s progress.

– Ashley Wagner
Photo: Flickr

Reasons to Increase Literacy Rates
When living in the U.S, it is easy to forget that being able to read and write is not something allowed to every person in the world. However, when it was discovered that approximately 32 million Americans could not read at a basic level, society deemed this as a crisis.

Comparatively, though, the crisis of illiteracy is much scarier in developing countries. The CIA World Factbook defines literacy as being able to read and write when older than the age of 15. Countries like South Sudan, Niger, Afghanistan and Ethiopia have literacy rates below 40 percent of their total population. These countries also happen to be the most poverty-stricken countries. This connection leads to the importance of listing five reasons to increase literacy rates.

Five Reasons to Increase Literacy Rates

  1. By being able to read and write, citizens can further develop their education. It is a given that if citizens want a great education, they will have to increase literacy rates. To do this, countries need to prioritize primary education so that the children that are already in school can get a good base. In a report from UNICEF on world education and literacy, it is stated that the focus on primary education had already boosted literacy rates that in turn boosts further education.
  2. Illiterate adults are more likely to fall victim to poor health and to have poor health care treatment later in life. World Atlas reported that there are around 493 million women who are unable or have difficulties reading text messages, filling out forms and reading their doctor’s prescription. If a person cannot properly read documents and prescriptions from a doctor, they might sign off on something without knowing what exactly it is. On top of that, they might not know what medications are good for them. Not to mention, without being able to write, it would be near impossible to keep track of past ailments or family history in the health care system.
  3. Literate adults are more capable of being able to take care of their children. Parents who have a basic education have an easier time making sure their children live to be over the age of five. This way, the cycle of poverty can be broken. Also, parents who have already seen the importance of having an education are more likely to push for their children to get the same level of education. Combined with previous reasons, parents who can properly read their prescription labels will be able to give children the right medicine and with a higher level of education, they are also more likely to have a steady job.
  4. Literacy is one part of the Sustainable Development Goal number four under UNESCO’s plan to reduce global poverty. The goal number four references equal education, affordable further education, widespread scholarships safe and non-violent locations for education and an increase of qualified teachers in each country.
  5. It is very plausible to increase literacy rates and it is producing great results in other countries already. In India, the computer-based functional literacy (CBFL) solution is providing free and remote education to rural areas and low-income areas around the country. It aims to teach children how to read, write and do math in approximately 50 hours. On top of that, the system focuses on teaching words rather than the whole alphabet. The typical participant learns around 500 words that are enough for him to navigate everyday life. More than 700,000 people have already benefited from CBFL in India.

These five reasons to increase literacy rates described in the article above showcase how being able to read and write can vastly improve someone’s life. Even if it does not fully bring them out of extreme poverty, these people will at least have the tools to make progress for themselves. Giving such tools is the least the world can do to help those in need and decrease the world poverty.

– Miranda Garbaciak
Photo: Flickr

Helping the Kurds of Turkey
Scattered throughout the mountainous regions of Turkey, Iraq, Syria, Iran and Armenia, the Kurds are known as one of the largest ethnic groups without a state. Totaling about 35 million, 20 million of these Kurds live in Turkey, making it the largest Kurdish population within a state’s borders. Despite the significant size of the Kurdish population in Turkey, most  people in the U.S. and abroad don’t actually know what’s going on and how non-governmental organizations (NGOs) are helping the Kurds of Turkey.

Surviving War

Since 1984, Turkish authorities and the Kurdistan Worker’s Party (PKK) have been interlocked in a gruesome conflict. Labeled as a terrorist group by most of the international community, the PKK has engaged in terrorist and guerrilla tactics in the hopes of establishing a free Kurdistan in southern Turkey. In response, Turkish forces have unleashed a brutal and destructive counter-terrorism campaign in the South.

In 2016, 653 security officers, 460 PKK militants, 52 civilians and 139 youth of unknown affiliation died from clashes.

Basic human rights — such as minority rights, freedom of the press, freedom of assembly and freedom from torture — have been frequently violated by Turkish forces; which can be found here on the U.S. State Dept’s page.

Bolstering Economics

In 2015, it is estimated that between 15 percent (official Turkish government numbers) and 40 percent (private estimates) of the population in Kurdish-majority areas are unemployed. In fact, a study by the International Terrorism and Transnational Crime Research Center found that 4 out of every 5 PKK militants were unemployed at their time of recruitment.

As of 2015, about 1 in 3 people living in Turkey below the poverty line come from the southeastern provinces. According to the Turkish Statistical Institute in 2016, 9 out of 10 of the poorest cities in Turkey reside in its southeastern provinces. This has resulted in the average daily income of $7 for people living in Kurdish-dominated cities.

The Turkish government attempted to re-finance the Southeastern Anatolia Project (GAP) by pumping money into projects — such as dams, irrigation, agriculture and power plants — that focus on rebuilding war-torn infrastructure.

However, according to the Ministry of the Economy, two-thirds of the $309 billion went to already developed regions, such as Istanbul and Ankara, while the southeastern provinces only received a mere 5 percent of the total funds.

Improving Education

The largest city in the southern provinces, Diyarbakir, teachers’ union reported in 2008 that class sizes were up to 60 students per teacher with little to no funding for textbooks, facilities or classroom materials.

Moreover, most of Kurdish students grow up speaking only their native Kurdish language; however, the Turkish government only allows the use of Turkish as the official language in schools. Therefore, many teachers experience language barriers while trying to educate and teach.

While around 800,000 students graduated from the Diyarbakir region, only about half had employment readily available, and around 0.1 percent went on to a university.

It is clear that the people of southeastern Turkey (primarily Kurds) are suffering from severe disparities in education, employment, security and infrastructure compared to the rest of Turkey. While the Turkish government has implemented projects on paper, actually turning funds and promises into solutions have not shown much progress in helping the Kurds of Turkey.

The Path to Peace: The Kurdish Project

One of the most well-known NGOs helping the Kurds in Turkey is the Kurdish Project. It was created by Farhad “Fred” Khosravi, a Kurdish-American entrepreneur, with the help of other NGOs, the Kurdish-American community and San Francisco tech groups. The Kurdish Project is a cultural-education initiative that aims at raising awareness of the Kurdish people, their culture and their struggles.

Through education and awareness, the members of the project hope to bring peace and stability to the Middle East by sponsoring local and international NGOs that focus on helping the Kurds.

Lobby for Change

Keep in mind, Turkey and the U.S. share a strong relationship and partnership in Middle Eastern affairs. So, emailing, calling and meeting with representatives in support of helping the Kurds of Turkey could go a long way to pressuring the Turkish state to change its methods.

Change shouldn’t be thought of as too far way in this situation. In fact, Erdogan himself stated that: “If we solve this problem [the conflict with the PKK], then investments can boom.”

Although he has frequently leaned toward brutal crackdowns in the southeastern provinces, economic aid, not military force, is recommended by the Washington Institute. If security forces are applied to more constructive projects, such as rebuilding infrastructure and protecting civilians, then the Turkish government can make significant headway to bringing peace within its borders.

After all, rebuilding the southern provinces will not only be helping the Kurds of Turkey, but also the rest of the Turkish state as peace and prosperity overcome conflict and poverty.

Tanner Helem
Photo: Flickr

Ryan Lewis's Mom Fights Global AIDS
Ryan Lewis is a successful DJ, musician, and producer and ultimately, a very famous man. However, there was a 25 percent chance when he was born that he would contract HIV. Thankfully, he did not, but other infants with similar risks are not always so fortunate. Such occurrences are part of the reason why, while Ryan Lewis makes music, Ryan Lewis’s mom fights global AIDS.

Ryan Lewis’s Mom Fights Global AIDS

Ryan Lewis’s mother, Julie Lewis, is a 59-year-old, HIV-positive woman. She contracted HIV in 1984 when she received contaminated blood during a blood transfusion after her complicated first pregnancy with her daughter, Teresa. She was not diagnosed until 1990, during which time she gave birth to Laura and Ryan, who were both fortunate enough not to contract her HIV. Julie was only given 3 to 5 years to live.

However, Julie Lewis is still alive and relatively well today thanks to modern medicine. Unsurprisingly, she wanted to do something special to celebrate her life, and her contribution to society became founding the 30/30 Project and, with a little help from Ryan, raising $160,000 to help the project build its first clinic in Malawi. The project would only get bigger from there.

The 30/30 Project

The 30/30 Project is so named because it aims to build 30 clinics and keep them running for 30 years. Of the 18 clinics that have been, or are still, being constructed, 15 of them are in Africa, 1 is in India, and 2 are in Washington.

Such growth was accomplished by partnering with healthcare partners who live in towns, and villages of interest who lack the supplies and/or abilities to build the clinics themselves. Once the partnership had been established, it’s all a matter of designing the building, sending volunteer construction workers to oversee the project and helping the staff the clinic.

For example, one of the targeted areas was Limpopo, South Africa. This rural town has a high unemployment rate, a low education rate and a 19 to 27 percent prenatal HIV rate. The 30/30 Project partnered with the Ndlovu Care Group to construct a clinic there — the two-story, solar-powered building opened in fall of 2017 and features a waiting area, care clinic and laboratory.

30/30 Project Results

Of the 18 clinics that are mentioned on the 30/30 Project website, 13 of them have been completed. Each of these clinics has substantially improved the quality of care that HIV-positive individuals in the community can receive.

For example, the clinic in Limpopo, South Africa serves 7,600 people with HIV as well as provides the Ndlovu Care Group with a place to work on vaccines for HIV/AIDS and tuberculosis. The clinic in the Bududa District in Uganda serves over 16,000 people. The one in Madhya Pradesh, India cares for 5,000 people. Ultimately, Julie plans to provide 600,000 people with the same high-quality healthcare that allowed her to survive.

The Fight for Progress

As Ryan Lewis’s mom fights global AIDS, clinics are being constructed in developing nations so that HIV-positive people can receive the care they need. At 13 clinics and counting, it is clear that the 30/30 Project has already made a sizable impact in terms of how many people can survive their AIDS diagnosis.

Thanks to the efforts of Julie Lewis and all those who support her, HIV-positive people in these communities can now live long, healthy lives — just like Julie has.

– Cassie Parvaz
Photo: Flickr

Elbi App Turns Fashion Into Fundraising
When Russian model, Natalia Vodianova, looked onto her Instagram feed years ago, she was frustrated. Though thousands of people liked her photos within minutes, Vodianova felt that had the wrong priorities on social media. She wanted to harness social media for social good, through an app that would make it easier for people to support charitable causes and turn the users’ love of fashion into fundraising. Now, Vodianova and Elbi’s co-creator, Timon Alfinsky, have created an app that connects users to charities and motivates them to donate.

How the App Works

Launched in 2015, the Elbi app thrives on the philosophy that little actions make a big difference. The app shows users different charitable organizations, through an easy-to-read, “newsfeed.” Users have several options to engage with charitable projects; they can donate, create content and share stories on other social media platforms. With focuses ranging from supporting Special Olympic athletes to funding education worldwide, the Elbi app helps donors find causes to support.

Each charitable campaign features a short video or photograph, along with information about the cause. Highlighting individual stories, this presentation helps make each cause more relatable to the user. Donating is made easy through the donation button, the “LoveButton.” Thus, the app mobilizes micro-donations, since users can contribute as little as $1 with each donation. In fact, 100 percent of these donations go directly to each charity, excluding any bank transaction fees.

While the Elbi app focuses primarily on fundraising, it also encourages users to raise awareness for charitable causes by creating and posting photos or other content in support of the cause. The pages also have leaderboards to rank the top donors to each cause; however, the main motivation to donate comes from Vodianova’s own specialty: fashion. The Elbi app turns fashion into fundraising, by allowing donors to trade their micro-donations for fashionable items.

Turning Fashion into Fundraising

When a user donates $1 with the “Love Button,” the Elbi app rewards the user with one LoveCoin. As users amass LoveCoins, they can use them in the “LoveShop.” The LoveShop carries exclusive goods from popular brands, such as Beats by Dre, Givenchy, Fendi, and H&M Conscious. By creating videos reacting to and supporting charitable causes, Elbi app users can earn additional LoveCoins to use in the LoveShop.

Beyond this, through the ElbiDrop tab, users have the chance to win products that are unavailable anywhere else. These products appeal to a wide range of people, with everything from soccer balls signed by professional players to limited-edition handbags. ElbiDrop introduces these exclusive items to users and then gives them 24 hours to collect LoveCoins. The user who collects the most LoveCoins in that period of time gets to trade their LoveCoins for the special item. Thus, ElbiDrop motivates users to return to the Elbi app constantly and drives donations in pursuit of specific items. This allows people to donate and turn their pursuit of fashion into fundraising.

Changing the Way We Donate

By giving potential donors an easy, user-friendly platform, the Elbi app makes donating fast and personal. The app allows users to see videos that make each issue personal and relatable. Accordingly, the Elbi app gives smartphone users a different way to donate, which maximizes small donations towards a charitable cause. In just a few minutes, users can donate and raise awareness for charitable causes they believe in, all with the convenience of the Elbi app.

– Morgan Harden
Photo: Flickr

Refrigerator Vaccines in South Sudan
Refrigerator vaccines in South Sudan are being implemented at a fast rate. In the past, the country has struggled to vaccinate because of the difficulty of accessing a large number of small villages located throughout the country, as well as adjusting to low rates of electricity. Thankfully, distributing vaccines in airtight refrigerators has helped the vaccination efforts tremendously.

Refrigerator Vaccines in South Sudan

The refrigerators used to transport vaccines are crucial to what’s called a “cold chain” — a temperature-controlled supply line that protects the medicine. Vaccines must be kept at near-freezing temperatures when transported. UNICEF health workers store thousands of small vaccine bottles in the refrigerators which are then distributed to mothers and small children to combat diseases such as measles, polio and tetanus.

Health workers then maintain the cold chain to remote villages by using styrofoam boxes and ice packs to sustain the vaccines for another seven days, reaching people who live far away from medical facilities. The ability for vaccines to be transported by cold chain saves thousands of lives of people who wouldn’t normally have access to vaccinations.

Cold Chain Process

To maintain the cold chain to remote villages, health workers use styrofoam boxes and ice packs that can safely store the vaccines. It is quite the journey to transport his refrigerators to Kenya where they are dispersed. The vaccines are manufactured in Germany and need to be transported by ship through the Suez Canal to Mombasa, Kenya.

The vaccines are then transported by truck from Juba and Wau, a process that can take up to two weeks during the rainy season, as there are over 170 miles of unpaved roads in South Sudan, as well as places with no road access, to cover. There is also the possibility of conflict with drivers on the roads, making the job treacherous on many fronts. Since 2013, four drivers and one driving assistant lost their lives while delivering aid for UNICEF.

Organizational and International Aid

The Food and Agriculture Organization (FAO) collaborated with the national Ministry of Livestock and Fisheries Industry (MLFI) to help produce Refrigerator Vaccines in South Sudan to help cold chain supplies as well. The organizations more than tripled the number of functional vaccine refrigerators in 2015 from 42 to 160, including 102 solar direct-drive refrigerators and 16 electrical refrigerators and freezers. Over $1.2 million of cold chain equipment has been delivered by FAO through funding from the United States of America, United Kingdom, Norway, Denmark and Africa Solidarity Fund governments.

The World Health Organization (WHO) in partnership with UNICEF, state directors general for health and Expanded Program on Immunization (EPI) officers of all states met in January of 2017 to discuss how to reach 2.3 million people with measles vaccines. The groups discussed how to enhance the skills of key personnel in the areas of:

  • Advocacy
  • Implementation of measles follow-up campaigns
  • Communication and social mobilization for the campaign
  • Management of the cold chain system (including vaccine storage and ice packs distribution, and strategies for implementation in high health risk and security compromised areas)

Refrigerator Vaccines in South Sudan have helped aid thousands of people against preventable diseases. The efforts of UNICEF, FAO and the South Sudan government should be applauded for their efforts.

– Casey Geier
Photo: Flickr

Reducing the Threat of Mosquitoes
According to the World Health Organization (WHO), viruses spread by mosquitos kill an estimated 700,000 people a year. Out of the mosquito-spread viruses, dengue, Zika and chikungunya are considered some of the most dangerous due to the quickness and severity of their infection rates. Although disease prevention has proven to be expensive for developed and developing countries alike, Wolbachia is increasingly being explored as a new tool in the fight against mosquitos.

Wolbachia Bacteria

Wolbachia, a word most of us are not familiar with, is, in fact, a safe and naturally developed bacteria that is present in 60 percent of all insect species. However, Wolbachia is not found in the Aedes aegypti species of mosquito that are the primary transmitters of dengue, Zika and chikungunya to humans.

The bacteria prevent the spread and outbreak of viruses by acting as a natural competitor in the mosquito. First, Wolbachia boosts the immune systems of Aedes aegypti mosquitos and prevents viruses from being able to spread to and survive on the species. Secondly, Wolbachia effectively consumes molecules, such as cholesterol, which viruses need in order to thrive.

In other words, viruses are being prevented from spreading viruses mosquito-to-mosquito and mosquito-to-human. This bacteria has proven to be very efficient in reducing the threat of mosquitos.

The World Mosquito Program

The leader in utilizing Wolbachia against mosquito-spread viruses is the nonprofit World Mosquito Program (WMP). The WMP conducts research, works with communities, governments and other nonprofit organizations and implements the release and studying of Wolbachia bacteria in mosquito populations.

Currently, the WMP operates in 12 at-risk countries with a primary interest in economically disenfranchised countries and populations.  These 12 countries are Vietnam, India, Sri Lanka, Indonesia, Australia, Kiribati, Vanuatu, New Caledonia, Fiji, Mexico, Colombia and Brazil. According to the U.N. Development Programme, viruses such as Zika pose tremendous economic, health care and tourism risks to countries while simultaneously hurting people in poverty who have a reduced access to health and sanitation facilities.

Support in Reducing the Threat of Mosquitos

Throughout the countries mentioned above, the WMP has gained countless support from communities, governments and nonprofits. For instance, the Australian and New Zealand have worked closely together to fund the WMP projects in Fiji and Vanuatu. In Fiji, these additional funds have allowed the WMP to reach an additional 120,000 people.

A well-known U.S. nonprofit organization, the Bill and Melinda Gates Foundation, has become an important funder for the WMP projects and for developing new technology for research and operations. The U.S. Agency for International Development has proven to be a lead contributor to financing projects against Zika in Colombia, where 25 million people are at-risk to an outbreak.

Other important actors that participate in WMP programs include the U.K. and Brazilian governments, the Candeo Fund, the Wellcome Trust, local rotary clubs and many health ministries and local governments.

Results are just as vital as gaining support for reducing mosquito-spread viruses. While the WMP has not moved onto phase two by analyzing the reduction of viruses, they have collected data for the spread and sustainability of Wolbachia in mosquito populations.

Tri Nguyen Island, Vietnam, Queensland and Australia have witnessed the spread of Wolbachia to nearly 100 percent of their mosquito populations since the projects began.

Doubts about Wolbachia

While initial results look promising, there have been reasonable doubts expressed about using Wolbachia bacteria. Some studies suggest that Wolbachia enhances the ability of West Nile Virus to spread in the Culex tarsalis mosquito and that temperatures play a large role in the effectiveness of the bacteria. However, the WMP has discounted the temperature claim by referencing the success rates in Vietnam, Australia, Brazil and Colombia in reducing the threat of mosquitos.

Despite the possible consequences, the WMP has maintained its belief in the ability of Wolbachia and continuing to research and study the results as much as possible. Looking at their sponsors, the WMP has become a popular potential solution to actors affected by and interested in mosquito-spread viruses.

These sponsors are not the only ones, however, as the WHO has labeled Wolbachia as a viable tool going forward. In 2016, the organization recommended that Wolbachia should be tested in pilot programs in order to gain more beneficial evidence. In fact, their laboratory tests confirmed that Zika, Dengue and Chikungunya were reduced in mosquitos introduced to Wolbachia.

The WMP’s program is meant to be a long-term, low-cost and sustainable virus reduction solution, not the one to be used just in emergency circumstances. With that being said, Wolbachia should be part of a greater toolbox in reducing mosquito-spread viruses through prevention, containment and reduction.

To reiterate, the entomology coordinator for the WMP operations in Brazil stated to the U.N. that Wolbachia bacteria is not a silver bullet, but it is really promising.

– Tanner Helem
Photo: Flickr

Financial Inclusion in Australia
Recent reports estimate that globally, nearly two billion adults do not have access to a bank account. As a result, services such as loan credit and financial planning advice are denied to people all over the world. The primary reason that people do not have access to bank services is the lack of accessibility and affordability, especially as major banks all but dominate the entire market share regarding financial services.

However, there has been a global movement to make financial services more readily available to people who could not normally afford them. Financial technology (fintech for short) is an industry that uses technology to offer premium financial services at much more affordable costs and sometimes even for free. While fintech companies do not aim to compete with large banks, they do offer specific services, such as loan credit or financial planning advice. 

Fintech is used to describe new tech that seeks to improve and automate the delivery and use of financial services. In achieving this goal, fintech allows access to financial services to more people and helps fight poverty.

Financial Inclusion in Australia through Fintech

There has been a rise of fintech in Australia. Over the past 12 months, the financial technology sector of Australia has been rapidly evolving. An estimated 600 financial technology companies are currently being operated in Australia and this number has doubled since 2015. In fact, fintech is the largest startup sector in the country, with one in every five startups targeting fintech.

Some of the most successful startups in Australia include Prospa, Zip Money, and AfterPay Touch.

Prospa is Australia’s leading online lender to small businesses. This company has funded over $500 million, allowing small businesses to receive funding in a short period, as little as twenty-four hours. By making these funding more accessible, small and medium business owners will have the proper financial means to expand their businesses.

Zip Money provides microloans to people, free of fees. With over 700,000 users, ZipMoney allows consumers to make important purchases without any delays.

AfterPay Touch is a digital payment service that targets consumer-facing organizations. With over 800,000 customers and 6,000 retail merchants onboard, AfterPay Touch provides payment security, compliance, and fraud services at much more affordable costs.

Fintech Advantages

Although these companies provide vastly different services, they all have a common goal: to make financial services more convenient, accessible and affordable. These companies allow people to absorb unexpected losses, be financially mobile and save for the future. They are very helpful in achieving financial inclusion in Australia and in other countries as well.

Additionally, because these fintech companies are increasing financial inclusion for small and medium business owners, they are allowing business owners more opportunities to grow and expand their businesses. As a result, more jobs will be created and more people will be lifted out of unemployment and poverty. 

The Impact of Fintech in Australia and Other Countries

The impact of fintech in Australia and its booming economy is not just felt domestically, but globally as well. For instance, Australian fintech startups are also working together with the Indonesian government to increase financial inclusion in Australia and Indonesia.

Indonesia has 49 million unbanked micro-enterprises. Australia has a new $1 billion New Payments Platform (NPP) that allows people to make real-time payments over the digital economy. This platform has the potential of advancing financial inclusion for both businesses and individuals in Indonesia. Increased financial inclusion will allow people not just to have access to a banking account, but also to escape poverty and recover from financial setbacks.

Recognizing that financial inclusion reduces inequality and helps millions of people lift themselves out of poverty is key to the development of fintech startups around the globe. As more governments start working together with the private sector, the impact of this new technology can be monumental.

– Shefali Kumar
Photo: Flickr

Famine Action Mechanism
The World Bank has discovered a new approach to helping the 124 million people currently affected by crisis-levels of food insecurity: artificial intelligence.

Three international organizations: the World Bank, the U.N. and the International Committee of the Red Cross, have partnered with three of the world’s largest tech giants: Microsoft, Google and Amazon, in a joint initiative to preemptively address world hunger. The result? It’s called the Famine Action Mechanism (FAM).

What is Famine Action Mechanism?

Launched by U.N. Secretary-General António Guterres on September 23, 2018, in New York, the Famine Action Mechanism seeks to improve international food aid through famine prevention, preparedness and early action. FAM is being created to augment the capability of existing warning systems to effectively distribute aid prior to the emergence of famine. This is being done through the establishment of official procedures that connect early warnings with financing and implementation.

With the cooperation of humanitarian development organizations, tech companies, academia, the insurance sector and, of course, international organizations, this collaborative effort hopes to see success through the investment of a wide variety of stakeholders.

While other forms of famine prediction, like Famine Early Warning Systems Network started by USAID in 1985, already exist, it lacks the ability to give real-time data and requires the hard work of hundreds of employees.

If successful, the Famine Action Mechanism will be the first quantitative modeling process using an algorithm to calculate food security in real time.

Hope is high for executives at Google and Microsoft who have seen the humanitarian power of technology firsthand. Advanced technologies have already proven effective in helping farmers to identify the disease in cassava plants as well as keeping cows healthier and more productive. President of Microsoft, Brad Smith, has expressed that artificial intelligence holds huge promise in forecasting early signs of food shortages.

How is FAM going to be implemented?

Famine Action will be implemented through four steps:

  1. Early warning systems. Microsoft, Google and Amazon web services are coming together to develop a set of analytical models known as “Artemis” to predict cases of famine using artificial intelligence and machine learning that detect correlations between different risks. With more powerful early warnings and information in real time, this will allow aid agencies to create a faster response and preemptively halt escalating insecurity.
  2. Pre-arranged financing. Syncing the early warning system with pre-determined finances helps to prevent food insecurity because it secures funding before a situation devolves into a crisis. The financing for this program is not only set to tackle the immediate symptoms of poverty and famine but also help the community to build safety nets and coping skills to encourage local development in hopes of preventing repetition in the future.
  3. Increasing resource efficiency. The Famine Action Mechanism plans to partner its resources with existing systems to reinforce the most effective and efficient efforts that are already working on the ground. This way, it will be producing a joint response system with the organizations involved with the program.
  4. Stressing preventative and preparedness approach to global famine crises. International Organizations like the U.N. and World Bank are redefining their approach to food insecurity, poverty and famine, making a proactive system of action rather than reactive aid a top priority of their efforts.

Isn’t Famine Pretty Easy to Predict?

While seemingly slow to take place, the cause of famine, defined as a daily hunger-related death rate that exceeds 2 per 10,000 people, is extremely complex.

The usual suspects of food insecurity like drought and crop production aren’t always the forces that bring a community to famine. Other factors like political instability, inflation or a natural disaster have the potential to significantly alter a community’s food supply. Additionally, nine of the last 10 major famines were triggered by conflict and war.

The uncertainty around when and how an undernourished community shifts into a crisis of famine adds to the importance of preemptive action for food insecurity and the demonstrated need for the Famine Action Mechanism.

Hunger in the World Today

After years of progress on decreasing hunger in the world, we have backtracked on those advancements with more than 820 million undernourished people in 2017. Approximately 155 million children will see the effects of stunting for their entire lives due to chronic malnourishment as well as a reduction of up to 13 percent of their lifetime income. Additionally, last year in Nigeria, Somalia, Yemen and South Sudan, more than 20 million people faced famine or near crisis levels of food insecurity.

One in nine people in the world today do not have enough to eat, but that does not mean we cannot get back on track. Not only can early response to famine result in saved lives and decreased suffering, but it is also cost effective. The World Bank predicts that an earlier response rate can reduce humanitarian costs up to 30 percent.

In 2017, the World Bank President Jim Yong Kim and U.N. Secretary-General Antonio Guterres pledged to have zero tolerance toward famine, and in the declaration of this program that pledge has been renewed. In the eyes of the United Nations, the success of the 2030 Agenda for Sustainable Development means ending hunger everywhere for everyone.

To conclude, in the words of Mr. Guterres: “Crisis prevention saves lives. We need to put cutting-edge technology to full use, in the service of all humankind in order to feed everyone in our world and to leave no one behind.”

– Sara Andresen
Photo: Flickr

Poverty in Haiti
From the devastation caused by the 2010 earthquake and the Haitian Creole word “chanje,” meaning “change” and “transformation,” hope for Haitians has emerged in the form of the Chanje Movement. According to the movement’s website if you can say yes to change and share it with the community and the world, then you could be considered as a part of the Chanje Movement.

Yet, beyond such motivating and inclusive statements, the Chanje Movement tangibly combats poverty in Haiti by transforming the lives of the next generation through addressing basic needs, creating healthy communities and providing leadership training.

The Chanje Movement believes that young people in Haiti have the power to reconstruct a nation in which more than 50 percent of the population is poor and 2.5 million people need humanitarian aid eight years after the earthquake that took 316,000 lives.

Five of the projects the Chanje Movement promotes on its website highlight five symptoms of poverty in Haiti. They are described below.

The Dream Center

The Dream Center is intended to be a community center where Haitians can gather to have a variety of physical and social needs meant. In Croix-des-Bouquets, a village about eight miles northeast of Port-au-Prince, people are working on building in stages a space for a church with a local pastor, a medical clinic, an education center, a trade school, a home for orphans and an auditorium for special events.

Specifically, the Chanje Movement desires for this type of space to be replicable throughout Haiti, so as they equip the Haitians of Croix-des-Bouquets, they can, in turn, spread similar positive change throughout the country. The World Bank claims that one of the key needs poverty in Haiti has created is the investment in people, both in their individual futures and access to basic services and collectively as a community. The Dream Center aims to accomplish these needs.

Clean Water

So many places in Haiti need clean water that the Chanje Movement usually has a waitlist for when they receive donations. Less than 50 percent of the rural population has access to clean water. This is because rural areas often depend on piped water systems that require hand pumps. These systems require funds for maintenance, so they are often neglected. The lack of clean water unsurprisingly leads to health problems, such as the cholera epidemic after the 2010 earthquake that claimed 8,700 lives. The whole system is tenuous, as exemplified by the resurgence in cholera in early 2015 following heavy rains.

Build a Home

Tens of thousands of Haitians lost homes in the earthquake and about 55,000 people still live in tents and makeshift homes eight years later. These abodes do not offer safety, shelter from tropical storms, insulation or hygienic conditions. The Chanje Movement’s efforts to build real homes benefits individuals and the Haitian economy, as Haitian workers are employed to construct them.

Micro Loans

With donated funds, the Chanje Movement loans up to $500 to Haitians to be paid back in six months to two years, increasing economic stability by allowing Haitians a chance to start businesses. When the loans are paid back, funds are immediately reinvested in a new entrepreneur. The World Bank claims that helping Haitians use their skills to start their own businesses will be crucial in ending poverty in Haiti, as the income a business provides will allow assets to accumulate, protecting the next generation of Haitians from the devastating consequences of a natural disaster like the earthquake with savings.

Additionally, helping Haitians generate more steady income through their own businesses could address the orphan crisis that is a huge issue related to poverty in Haiti. Currently, 30,000 children live in orphanages in Haiti, but 80 percent of these orphans have at least one living parent, a discrepancy caused by the homelessness following the earthquake.

Backpacks for Kids

Meanwhile, backpacks full of supplies help provide for some of the country’s orphans at the homes the Chanje Movement has for children in Croix-des-Bouquets.

Daniel DiGrazia attends Crossline Church, a church partnered with a Christian organization called The Global Mission that currently connects 18 churches and humanitarian outreaches around the world, including the Chanje Movement. DiGrazia has been to Haiti four times in the past three years and explains that a key part of distributing these supplies, which he helped with earlier this summer, is playing with the kids that live in these orphanages.

Because he keeps going back, he says, “I have grown in relationship with a multitude of the people there.” While DiGrazia’s team helped the Chanje Movement administer relief during his trips, the reason he keeps going back is to show love to the Haitians by continuing to invest in these relationships.

He explains, “I’d love to go again next year. It is a really good experience and I really love the people there. And I really don’t want to just be there and gone. I want to build relationships and keep coming back and see how they’re doing.”

For those that cannot immediately travel to Haiti, supporting the Chanje Movement tangibly combats poverty in Haiti. In the past year, thousands of Haitians had basic needs met with clean water and food provided by the Chanje Movement. This organization has also trained 500 future leaders and helped 75 children access education, taking steps towards Haiti without poverty and the need for humanitarian aid.

– Charlotte Preston
Photo: Flickr