DOCSLIB.ORG

THE ATLAS of Innovation for Economic Stability $

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
THE ATLAS of Innovation for Economic Stability $ THE ATLAS OF Innovation for Economic Stability $ $ $ $ $ $ Supported by The Atlas of Innovation for Economic Stability 1 ISBN 0-89492-927-5 2 The Atlas of Innovation for Economic Stability Acknowledgements FHI 360 would like to acknowledge the generous support of The Rockefeller Foundation for this research and crowdsourcing effort, and the constructive engagement and feedback provided by Alyson Wise, Associate Director, Jobs, and Ashvin Dayal, Associate Vice President & Managing Director, Smart Power. Phil Psilos served as FHI 360’s principal investigator. FHI 360 team members include lead researcher Claire Gillum, writer Shawn Kelley, art director and graphic designer Irinn Viniaphat, and social media lead Leanne Gray. An expert group including Caroline Averch, Bryanna Millis, Monika Aring, and Jacqueline Bass provided input and feedback on the research process. FHI 360’s Ivan Charner and Michael Tetelman provided invaluable reviews of a draft version of the Atlas. In addition, Tanya Accone, UNICEF, Derval Usher and Dwayne Caruthers, Pulse Lab Jakarta, and Tim Nourse, Making Cents International, made significant written contributions pertaining to their organizations and activities. The Atlas of Innovation for Economic Stability 3 Atlas- (n) A book of maps or charts. Innovation- (n) Anything different than standard practice that has the potential for radical social, environmental, or economic impact. Economic Stability- (n) The ability to meet basic needs and to prosper, even in the face of economic, political, or social volatility. 4 The Atlas of Innovation for Economic Stability Table of Contents 1 Executive Summary 2 2 Forewords 9 3 Introduction to Innovation for Stability 12 4 Small Enterprises, Unlimited 28 5 Stabilizing Jobs and Gigs 36 6 Consumption Floors and Nets 44 7 Inclusive Financialization 50 8 Big Data, Small Devices (Better Livelihoods) 58 9 Collective Security 64 10 Personhood and Rights 72 11 India-Innovation Laboratory 80 12 Conclusions and Recommendations 86 Appendix 1: Learn more about the innovations 92 Appendix 2: Findings by country income group 95 Appendix 3: References 98 1 The Atlas of Innovation for Economic Stability 1 1 Executive Summary Building on previous work to define the landscape and key indicators of inclusive economies, in 2017 The Rockefeller Foundation provided support to FHI 360 to engage in a global search to identify policy, program, and technology innovations that promote economic stability for individuals, communities, firms, and countries, with an emphasis on the welfare of poor and vulnerable people worldwide. This Atlas of Innovation for Economic Stability is the output of our global research and crowdsourcing effort. I A wave of good economic news in 2018 has not fundamentally altered the basic story of a slow and imbalanced economic recovery from the 2008 financial crisis. The aftermath Context accelerated growth in wealth and income inequality, economic fragility of the middle class across the developed world, and saw little improvement in the livelihoods of most people who live in lower-income countries and work in the informal sector. In the US and Europe, stagnant or declining real wages and a shift towards non- standard work are now widely recognized as eroding longstanding social bargains, creating a large new class of formerly middle-class workers referred to as the “precariat.” Unstable work arrangements introduced over the past 30 years and accelerated by the “gig” and “platform” economies, and predicted large-scale job loss or restructuring resulting from automation and other features of an oncoming “Fourth Industrial Revolution,” portend a future of greater volatility in how people work and earn. In high-income OECD countries, this means less certainty about opportunities in the formal job market. For developing countries, it interrupts development trajectories that assumed the growth of mass industrial employment would be a stepping stone to higher incomes. In this sense, there appears to be a convergence in process in which income earners around the world are likely to face more similar baseline levels of uncertainty and instability. This is the case despite significant progress in reducing poverty in the developing world, rapid growth in many emerging economies, emergence of dynamic technology sectors in India, China, Kenya, Indonesia, and Vietnam, and broad-based global commitment to achieving the Sustainable Development Goals. II For individuals, households, and communities, economic stability is the ability to meet basic Framing needs and to prosper, even in the face of economic, political, or social volatility. Influences on Economic economic stability encompass macroeconomic management, regulatory quality, social Stability safety nets and labor protection, labor and agricultural markets, personal security, and basic rights, including recognition of identity, property, and fair treatment by government. Together these factors comprise a “funnel,” depicted in Figure 1, with more macro-factors at the top, meso-factors related to interaction with the market in the middle layers, and more personal micro-influences at the base. Our findings are also presented in order, from top-to-bottom of the funnel. 2 The Atlas of Innovation for Economic Stability When people and firms are supported in all of these dimensions, they have the confidence and predictability required to invest in their own futures, the means of investing at acceptable levels of risk and of capturing the returns on their investments, and economic resilience to shocks and stresses. Access to services and supports across the funnel ultimately helps ensure sufficient stability of income and consumption to allow economic advancement even when confronted with volatility. Stability-enhancing policies and programs such as retirement and unemployment benefits, labor standards, and crop insurance are traditional hallmarks of more advanced economies. Outside of the European Union, many social protections are linked to employment in the formal sector and tend to develop in middle-income countries as national wealth and formal sector employment rises. In lower- and lower- middle income countries, the vast majority who are own-account and contributing family workers—for example, those engaged in subsistence agriculture or mixed livelihoods—lack access to work-based social and labor protections, and households and communities typically bear the full risk of their economic participation. The current trend towards non-standard work and risk of elimination of formal sector jobs through automation calls into question the viability of existing work-linked social protection mechanisms at several levels of this funnel, and makes the pathway out of extreme instability for lower-income country workers unclear. Our holistic view of economic stability departs from the common understanding in the global development community, where stability is often treated as a macroeconomic condition or a social outcome of economic prosperity. Many economists value macroeconomic and regulatory predictability but neglect the micro-foundations that $ allow people to prosper from stability. Stability as a goal may not be exciting enough to attract the attention of donor governments and agencies. And in some contexts, stability is confused with stagnation, framed as an alternative to economic advancement rather than as a critical enabler. Past work supported by the Rockefeller Foundation and our own research suggest that bringing stability out of the “background” and into the center of the global development conversation can improve performance of global efforts to achieve inclusive economic growth. III In addition to the widespread concerns about volatility in global labor markets and the future of work, we identified two big trends that are expanding the private and public- Big Trends private provision of services that support of economic stability: the democratization Enabling of data access on mobile devices and the trend towards more inclusive financialization. Innovation The rapid expansion ofmobile phone technology in the developing world, including mobile data services on smartphones, and associated technology trends that make advanced data and analytics services available through applications delivered to these smartphones, has opened up a world of innovation across all of the layers of the stability funnel. Extraordinary levels of data power are now being delivered via commercial and non-commercial applications to very poor users in developing countries, and to less poor but financially unstable citizens of the high-income world, in ways that were impossible just a few years ago. New business models leveraging this technological revolution are also enabled by financialization—“the increasing role of financial motives, financial markets, financial actors and financial institutions in the operation of the domestic and international economies.”1 The financial sector has unleashed a great deal of interest, creativity, and capital on the global development agenda, moving beyond microfinance first into mobile payment and lending, often with donor encouragement. More importantly, the financial sector – often in partnership with global development actors – is actively developing data-driven lending and products to spread financial risk that is traditionally borne entirely by poor individuals, particularly small agricultural producers and firms, but also formal sector workers with unstable incomes worldwide. The data that formerly
Load more

Recommended publications
  • Slovenia Have Been Remarkable
    Mrak/Rojec/Silva-Jáur lovenia’s achievements over the past several years Slovenia have been remarkable. Thirteen years after Public Disclosure Authorized independence from the former Socialist Federative egui Republic of Yugoslavia, the country is among the most advanced of all the transition economies in Central and Eastern Europe and a leading candidate for accession to the European Union Sin May 2004. Remarkably, however, very little has been published Slovenia documenting this historic transition. Fr om Y In the only book of its kind, the contributors—many of them the architects of Slovenia’s current transformation—analyze the country’s three-fold ugoslavia to the Eur transition from a socialist to a market economy, from a regionally based to a national economy, and from being a part of the Socialist Federative Republic of Yugoslavia to being an independent state and a member of the European Union (EU). With chapters from Slovenia’s president, a former vice prime minister, Public Disclosure Authorized the current and previous ministers of finance, the minister of European affairs, the current and former governors of the Bank of Slovenia, as well as from leading development scholars in Slovenia and abroad, this unique opean Union collection synthesizes Slovenia’s recent socioeconomic and political history and assesses the challenges ahead. Contributors discuss the Slovenian style of socioeconomic transformation, analyze Slovenia’s quest for EU membership, and place Slovenia’s transition within the context of the broader transition process taking place in Central and Eastern Europe. Of interest to development practitioners and to students and scholars of the region, Slovenia: From Yugoslavia to the European Union is a From Yugoslavia comprehensive and illuminating study of one country’s path to political and economic independence.
    [Show full text]
  • Socio-Economic Stability and Independence of Appalachian Women
    SOCIO-ECONOMIC STABILITY AND INDEPENDENCE OF APPALACHIAN WOMEN MICHELE DAWN KEGLEY A DISSERTATION Submitted to the Ph.D. in Leadership & Change Program of Antioch University in partial fulfillment of the requirements for the degree of Doctor of Philosophy December, 2011 This is to certify that the dissertation entitled: SOCIO-ECONOMIC STABILITY AND INDEPENDENCE OF APPALACHIAN WOMEN prepared by Michele Dawn Kegley is approved in partial fulfillment of the requirements for the degree of Doctor of Philosophy in Leadership & Change. Approved by: __________________________________________________________________ Elizabeth Holloway, Ph.D., Chair date __________________________________________________________________ Laurien Alexandre, Ph.D., Committee Member date __________________________________________________________________ Mary K. Anglin, Ph.D., Committee Member date __________________________________________________________________ Kimberly K. Eby, Ph.D., External Reader date Copyright 2011 Michele D. Kegley All rights reserved. Acknowledgments I was sitting in the pew listening to the pastor quote Woody Allen—“Half of life is showing up.” He went on to talk about how in life we have dreams and ambitions, and sometimes we feel like we are failing to meet these aspirations and wonder if we are meeting the expectations for those who depend on us (sermon 5-29-2011). He said, “‘Half of life is showing up,’ and God provides the other half.” His advice to us was just show up and quit worrying. The people I have to thank have done more than show up. They have impacted my life in ways they will never know. I thank God for getting me through this program and sending these special angels into my life. Let me start with my kids who have learned to wash clothes, cook, and understand my own version of what we call phone sign language—codes for I am talking if you are not on fire or bleeding go away and come back when I am off the phone.
    [Show full text]
  • Bovine Benefactories: an Examination of the Role of Religion in Cow Sanctuaries Across the United States
    BOVINE BENEFACTORIES: AN EXAMINATION OF THE ROLE OF RELIGION IN COW SANCTUARIES ACROSS THE UNITED STATES _______________________________________________________________ A Dissertation Submitted to the Temple University Graduate Board _______________________________________________________________ In Partial Fulfillment of the Requirements for the Degree DOCTOR OF PHILOSOPHY ________________________________________________________________ by Thomas Hellmuth Berendt August, 2018 Examing Committee Members: Sydney White, Advisory Chair, TU Department of Religion Terry Rey, TU Department of Religion Laura Levitt, TU Department of Religion Tom Waidzunas, External Member, TU Deparment of Sociology ABSTRACT This study examines the growing phenomenon to protect the bovine in the United States and will question to what extent religion plays a role in the formation of bovine sanctuaries. My research has unearthed that there are approximately 454 animal sanctuaries in the United States, of which 146 are dedicated to farm animals. However, of this 166 only 4 are dedicated to pigs, while 17 are specifically dedicated to the bovine. Furthermore, another 50, though not specifically dedicated to cows, do use the cow as the main symbol for their logo. Therefore the bovine is seemingly more represented and protected than any other farm animal in sanctuaries across the United States. The question is why the bovine, and how much has religion played a role in elevating this particular animal above all others. Furthermore, what constitutes a sanctuary? Does
    [Show full text]
  • Human Security: Implications for Public Health
    © PAHO-WHO KMC/IB-GC July 20, 2012 - H & H S Human Security: Implications for Public Health Technical Reference Document Sustainable Development and Environmental Health Area (SDE) PAN AMERICAN HEALTH ORGANIZATION Pan American Sanitary Bureau, Regional Office for the Americas of the WORLD HEALTH ORGANIZATION 525 Twenty-third Street, N.W. Washington, D.C. 20037 2012 Also published in Spanish (2012) as: Seguridad humana: implicaciones para la salud pública. Documento técnico de referencia ISBN: 978-92-75-31692-4 PAHO HQ Library Cataloguing-in-Publication Pan American Health Organization Human security: Implications for public health Washington, D.C.: PAHO © 2012 ISBN: 978-92-75-11692-0 I. Title 1. CIVIL PROTECTION 2. SAFETY 3. SAFETY MANAGEMENT 4. DISASTER MANAGEMENT 5. ENVIRONMENTAL HEALTH 6. HUMAN RIGHTS 7. PUBLIC HEALTH NLM WA 250 The Pan American Health Organization welcomes requests for permission to reproduce or translate its publications, in part or in full. Applications and inquiries should be addressed to Editorial Services, Area of Knowledge Management and Communications (KMC), Pan American Health Organization, Washington, D.C., U.S.A. The Area of Sustainable Development and Environmental Health (SDE) will be glad to provide the latest information on any changes made to the text, plans for new editions, and reprints and translations already available. © Pan American Health Organization, 2012. All rights reserved. Publications of the Pan American Health Organization enjoy copyright protection in accordance with the provisions of Protocol 2 of the Universal Copyright Convention. All rights are reserved. The designations employed and the presentation of the material in this publication do not imply the expression of any opinion whatsoever on the part of the Secretariat of the Pan American Health Organization concerning the status of any country, territory, city or area or of its authorities, or concerning the delimitation of its frontiers or boundaries.
    [Show full text]
  • Reporting on Nature-Related Risks, Impacts And
    REPORTING ON NATURE-RELATED RISKS, IMPACTS AND DEPENDENCIES ACKNOWLEDGMENT This document is prepared as an input paper to the G20 Sustainable Finance Working Group by UNDP and UNEP FI. The views and opinions expressed herein are those of the authors and do not necessarily reflect the official opinions of UNDP and UNEP FI. The development of this knowledge product is with thanks to authors at UNDP: Maxim Vergeichik, Malika Bhandarkar, Midori Paxton and UNEP FI: Jessica Smith, David Carlin and Eric Usher. The authors are grateful for input that strengthened the paper, including from the US Department of Treasury, Peoples Bank of China, Italy’s Ministry of Finance, IWG TNFD Steering Committee (consisting of leadership from BNP Paribas, Banorte, Green Finance Institute, Global Canopy, UNDP, UNEP FI and WWF), OECD’s Simon Buckle and the Secretariat of the Sustainable Finance Working Group. Acknowledgment of contributions does not imply endorsement of this guidance nor of the materials referred to. UNDP and UNEP FI (2021). Reporting on Nature-related Risks, Impacts and Dependencies – Prepared by UNDP and UNEP FI for the G20 Sustainable Finance Working Group. ABOUT UNDP AND UNEP FI The United Nations Develop Programme (UNDP) is the leading United Nations organization fighting to end the injustice of poverty, inequality and climate change. Working with our broad network of experts and partners in 170 countries, we help nations to build integrated, lasting solutions for people and planet. Learn more at undp.org or follow at @UNDP. The United Nations Environment Programme Finance Initiative (UNEP FI) is a partnership between UNEP and the global financial sector to mobilize private sector finance for sustainable development.
    [Show full text]
  • A Macroeconomic Model with Financially Constrained Producers and Intermediaries ∗
    A Macroeconomic Model with Financially Constrained Producers and Intermediaries ∗ Vadim Elenev Tim Landvoigt Stijn Van Nieuwerburgh NYU Stern UT Austin NYU Stern, NBER, and CEPR October 24, 2016 Abstract We propose a model that can simultaneously capture the sharp and persistent drop in macro-economic aggregates and the sharp change in credit spreads observed in the U.S. during the Great Recession. We use the model to evaluate the quantitative effects of macro-prudential policy. The model features borrower-entrepreneurs who produce output financed with long-term debt issued by financial intermediaries and their own equity. Intermediaries fund these loans combining deposits and their own equity. Savers provide funding to banks and to the government. Both entrepreneurs and intermediaries make optimal default decisions. The government issues debt to finance budget deficits and to pay for bank bailouts. Intermediaries are subject to a regulatory capital constraint. Financial recessions, triggered by low aggregate and dispersed idiosyncratic productivity shocks result in financial crises with elevated loan defaults and occasional intermediary insolvencies. Output, balance sheet, and price reactions are substantially more severe and persistent than in non-financial recession. Policies that limit intermediary leverage redistribute wealth from producers to intermediaries and savers. The benefits of lower intermediary leverage for financial and macro-economic stability are offset by the costs from more constrained firms who produce less output. JEL: G12,
    [Show full text]
  • The Economics of Network-Powered Growth
    White Paper The Economics of Network-Powered Growth Author Dimitri Zenghelis January 2011 Cisco Internet Business Solutions Group (IBSG) Cisco IBSG © 2011 Cisco and/or its affiliates. All rights reserved. White Paper The Economics of Network-Powered Growth This paper is one of three addressing network-powered growth. Click on the following links to access the other papers: “Network-Powered Growth,” by Peter Gruetter and Fred Thompson, and “Next-Generation Clusters: Creating Innovation Hubs To Boost Economic Growth,” by Anne Lange, Doug Handler, and James Vila. Executive Summary This paper assesses the evidence and finds strong support in the economic literature for the notion that network technology has the potential to boost economic growth permanently, sustainably enriching poorer societies.1 The drivers of economic growth have been difficult for economists to determine; some countries prosper, while others decline or remain poor. Yet economic analysis shows that differences in total factor productivity—the know-how, processes, and technologies with which capital is utilized—rather than capital intensity are the main determinants of cross-country differences in productivity and economic growth. Thomas Malthus posited that finite resources would constrain humans’ ability to supply rising demand from growing populations. But his theory has not been borne out; knowledge and innovation have helped us do more with the resources we have. The role of policy in driving technological innovation is still subject to analytical investigation. Recent endogenous-growth theory has focused on the factors that drive technology in an attempt to understand technology’s role in economic growth. They build on the notion that an increase in knowledge has the potential to positively impact capital productivity.
    [Show full text]
  • Community Connections Campaign 2020–2021
    World Bank Group Community Connections Campaign 2020–2021 List of Headquarters Organizations Celebrating COMMUNITY CONNECTIONS Giving! CAMPAIGN COMMUNITY CONNECTIONS CAMPAIGN The Community Connections Campaign (CCC) is the workplace giving program of the World Bank Group, and it is conducted in November and December each year. The organizations on the CCC list were nominated by World Bank Group staff and retirees and meet our established criteria and our due diligence review. The Headquarters CCC’s purpose is primarily to provide support to local nonprofit organizations operating in the Washington, DC metropolitan community. Given the nature of the World Bank Group’s mission, it also supports some international development and relief organizations, as well as some national organizations that have substantial activities in the DC region. The organization criteria reflect the evolving focus of the CCC as well as long-term partners who continue to receive staff support and have been grandfathered to remain on the list. For the organization criteria and nomination process, please go to “Workplace Giving” at: www.worldbank.org/en/programs/community-connections#tab4. CONTENTS Advocacy, Human Rights, Justice, Legal ........................................................................................................... 1 Animals ................................................................................................................................................................ 1 Arts & Culture .....................................................................................................................................................2
    [Show full text]
  • Economic and Fiscal Snapshot 2020
    Economic and Fiscal Snapshot 2020 Economic and Fiscal Snapshot 2020 ©Her Majesty the Queen in Right of Canada (2020) All rights reserved All requests for permission to reproduce this document or any part there of shall be addressed to the Department of Finance Canada. This document is available on the Internet at www.canada.ca/en/department-finance.html Cette publication est également disponible en français. Cat No.: F2-277/2020E-PDF ISSN: 978-0-660-35439-2 Table of content INTRODUCTION .............................................................................................................................. 5 Safe Restart: Protecting the Health of Canadians ........................................................................................................................ 8 Building a Bridge for Canadians ...................................................................................................................................................... 10 Chapter 1 - OVERVIEW OF CANADA’S COVID-19 ECONOMIC RESPONSE PLAN .......................... 13 A Responsive Plan ................................................................................................................................................................................. 13 A Decisive and Rapid Response ....................................................................................................................................................... 14 Protecting the Health of Canadians ..............................................................................................................................................
    [Show full text]
  • Fundamentals of Economics
    FUNDAMENTALS OF ECONOMICS 1 1 NATURE AND SCOPE OF ECONOMICS Basically man is involved in at least four identifiable relationships: a) man with himself, the general topic of psychology b) man with the universe, the study of the biological and physical sciences; c) man with unknown, covered in part by theology and philosophy d) man in relation to other men, the general realm of the social sciences, of which economics is a part. It is hazardous to delineate these areas of inquiry explicitly. However, the social sciences are generally defined to include economics, sociology, political science, anthropology and portions of history and psychology, Economists use history, sociology and other fields such as statistics and mathematics as valuable adjuncts to their study. As a body of knowledge, economics is a relatively new subject, having been around formally a scant two centuries, but subsistence, wealth and the ordinary business of life are, as we all know, as old as mankind. Economics deals with many socioeconomic issues, most of which are of immediate concern to us. Although it is tempting to continue to discuss important economic problems, such a discussion would be premature. To form a reasoned opinion, it is necessary to analyse the issues carefully, a process which requires a meaningful, sequential exposure to economics. Nature has blessed the humans with abundant natural wealth to live on this earth. Humans would have been contended with what nature provided, had they been able to peg their wants (requirements) at a given level. But it is not so, man being born in this world is influenced by biological, physical and social needs, which keep him always busy in searching out the means to keep him satisfied.
    [Show full text]
  • The Ethical Reasoning Behind Sustainable Development; a Paradoxical Opportunity for the Reform of Developing Countries
    THE ETHICAL REASONING BEHIND SUSTAINABLE DEVELOPMENT; A PARADOXICAL OPPORTUNITY FOR THE REFORM OF DEVELOPING COUNTRIES Mohamed Eid [email protected] The British University in Egypt ABSTRACT This research intends to explore the ethical reasoning behind the necessity for adopting a sustainable development agenda on the strategic level of policy making. The author investigates the ethical obligations to sustainability through a schema of ethical theories (including Deontological Ethics, Teleological (Utilitarian) Ethics, Rawlsian Social Justice Ethics and finally Virtue Ethics) and matching those standards to the three levels of Economic, Social and Environmental levels. The research will argue that the ethical reasoning works as a more effective stimulant for countries to embrace sustainable agendas where the law has so far failed. With the sweeping winds of change blowing in the Middle East region since the Jasmine Revolution in Tunisia followed by the widely idealized revolution in Egypt; the research explains the paradoxical opportunity which developing countries as such hold in now adopting radical change and starting a whole new wave of sustainable strategies which on the long term will present themselves as a huge leap forward towards a better future. Developing countries stand a golden opportunity for implementing radical change to their future by marketing the concepts of sustainable policies and practices to their people through the ethical framework and justifications. Economic and Business benefits are linked to a better quality of life socially and environmentally, where the laws have failed to deliver, ethical reasoning emerges as a powerful tool forward as it did drive the revolutions asking for radical change.
    [Show full text]
  • Praxis European Venture Philanthropy in Practice
    EUROPEAN VENTURE PHILANTHROPY ASSOCIATION PRAXIS EUROPEAN VENTURE PHILANTHROPY IN PRACTICE Sponsored by 3i Group Plc KIMBERLY OCHS FEBRUARY 2009 2 PRAXIS : EUROPEAN VENTURE PHILANTHROPY IN PRACTICE CONTENTS FORWARD 4 PREFACE 6 Kimberly Ochs started her career in technology research at Gartner and transitioned into technology private equity in 1997, working at UBS Capital Americas and General Atlantic, where she was Director of Research. She is founder of The BeneFactory, which incubates new social enterprises in education and provides advisory services to improve the impact of philanthropy, aid and policy in education globally. She holds a doctorate from the University of Oxford, MA from Boston College, and has held appointments at the University of Oxford, London School of Economics, and German Institute for Global and Area Studies. Contact: [email protected] 3i is an international leader in private equity investing in Buyouts, Growth Capital, Infrastructure and Quoted Private Equity (QPE) across Europe, North America and Asia. The business which has c £10bn of assets under management has a strong heritage of pioneering and is proud to have been a founder member of EVPA. Our competitive advantage comes from our international network and the strength and breadth of our business relationships. These underpin the value that we deliver to our portfolio, to our shareholders, to our fund investors and also to the many social enterprises that we work with. The trustees of EVPA are grateful for the generous sponsorship of this publication by 3i Group Plc. © 2009 Kimberly Ochs The moral right of the author has been asserted. All Rights Reserved.
    [Show full text]