Transforming through Trust - How social innovators are transforming the lives of millions
←
→
Page content transcription
If your browser does not render page correctly, please read the page content below
Transforming through Trust PHOTOGRAPHY © JAN SAHAS How social innovators are transforming the lives of millions
Contents Foreword Introduction Progress in a Pandemic Towards Systemic Change A Social Innovation Movement Social Entrepreneurs ·Impact highlights ·Profiles 2019-2022 Corporate Social Intrapreneurs ·Impact highlights ·Profiles 2019-2022 Public Social Intrapreneurs ·Impact highlights ·Profiles 2019-2022 Thought Leaders January 2022 ·Impact highlights Schwab Foundation for Social Entrepreneurship 91-93 route de la Capite ·Profiles 2019-2022 CH-1223 Cologny/Geneva Switzerland Tel.: +41 (0)22 869 1212 Into a Third Decade of Impact Email: socialinnovators@weforum.org www.schwabfound.org Being the Change Together © 2022 Schwab Foundation for Social Entrepreneurship. World Economic Forum. All rights reserved. No part of this publication may be reproduced or transmitted in any form or by any means, including photocopying and recording, or by any information storage and retrieval system.
Hilde Schwab Klaus Schwab Co-Founder Founder and Chairperson, and Executive Chairman, Schwab Foundation World Economic Forum for Social Entrepreneurship Foreword Over the past two decades, we have championed the work of Social Entrepreneurs. In the past three Corporate Social Intrapreneurs use their influence within large private-sector organizations Social innovation has changed enormously and our work to integrate social change leaders Transforming through Trust celebrates both years we have witnessed how their work is more to change how things are done, how they define across all private, public, social and academic the values and the achievements of three cohorts relevant than ever – by bringing quality healthcare who the customers are. Through innovative business sectors recognizes the need for all institutions of awardees of the Schwab Foundation for Social to rural India in COVID, by empowering Black-owned units or social business subsidiaries, they also prove to transform and work entrepreneurially Entrepreneurship from 2019 to 2022. businesses in Brazil to overcome the economic how the core business model might be more in the public interest. We recognize and champion the impact barriers of racial inequity, and by using artificial inclusive and purposeful. these change leaders have achieved and, intelligence (AI) and big data to create inclusive Our world is in dire need of healing and rebuilding in particular, how they work to tackle the systemic, and equitable education platforms from South Korea Public Social Intrapreneurs work to create trust, while it also needs us to transform our economic, deep-rooted and most critical issues of our time in to South Africa. Social Entrepreneurs continue better policy environments, public programmes societal and planetary systems. Both the individual the midst of a pandemic. to demonstrate that the values of equity and justice and investments that enable social innovators and collective work of social innovators in this report underpinning models of innovation can help us meet to thrive and citizens to benefit and become active helps us recognize that change towards a better Through values-based approaches, centring the greatest challenges together. agents of change in society. These innovators are future is not only possible – it is already at work. on inclusivity, collaboration and sustainability catalysing governments and large institutions has collectively had an impact on 100 million Citizens, activists and our youth are increasingly to create more inclusive cities and equitable growth. people around the world, overcoming persistent crying out for strong action, requiring complex and systemic barriers. Together with the combined changes within governments, businesses and We have been guided by a generation of Social impact of our community presented in the report, research institutions. We have seen this call Innovation Thought Leaders who have helped shape Two Decades of Impact, a total of 722 million lives answered by a committed group of social innovators the field’s emergence to articulate its relevance. have been directly improved by the work of this called intrapreneurs: internal agents of change community of leading social innovators. in large institutions of government and corporations that the Schwab Foundation started to recognize through three new awards in 2019. 4 SCHWAB FOUNDATION FOR SOCIAL ENTREPRENEURSHIP TRANSFORMING THROUGH TRUST 5
Introduction The work presented here comprises For 20 years, the Schwab Foundation set the 77 social innovators awarded since about building one of the foremost communities the introduction of the new award categories, of accomplished social change leaders in the world. through three cohorts between 2019 and 2022. It supports their impact journeys and provides a During this period the Schwab Foundation platform to amplify their voices and influence world has awarded 13 Corporate Social Intrapreneurs, leaders. At the 50th Annual Meeting 10 Public Social Intrapreneurs, 16 Thought Leaders, of the World Economic Forum, we released the and 38 Social Entrepreneurs. Schwab Foundation’s first comprehensive impact report, Two Decades of Impact, demonstrating The results of an external evaluation demonstrate the cumulative impact and insights from the work how this group of social innovators are impacting of social entrepreneurs over this period. directly an additional 100 million people. A large number of the awardees focus on improving In 2019, the Schwab Foundation Social Innovator the social and economic quality of life, providing of the Year Awards expanded to four categories appropriate and increased access to healthcare, to recognize a new generation of social change education, energy, finance and water. Underpinned leaders across the private, public, social and by principles of equity and justice, social innovators academic sectors. This change acknowledges support people often excluded from the mainstream the diversity of social innovation models, shining economic system (especially young people, women a light on the global momentum for social innovation, and minority groups) building the tools and capacities and emphasizes the need to work across sectors for people to construct an alternative path forward, on complex and systemic issues. engage with social and environmental issues, and maximize their potential. The awards recognize: 722 They have shown that values-based approaches ·Social Entrepreneurs: Founders or CEOs who centring on inclusivity, collaboration, relationships innovatively address a social or environmental of trust and long-term sustainability are more likely problem, with a focus on low-income, to be transformative in changing institutions, policies marginalized or vulnerable populations and mindsets, and disrupting traditional ways of working that hold systemic barriers in place. ·Corporate Social Intrapreneurs: Business leaders They have achieved enormous success with within multinational or regional companies who creativity, empowerment and adaptability, despite drive the development of new products, initiatives, persistent and systemic challenges, exacerbated services or business models that address societal by the impacts and inequalities of COVID-19. and environmental challenges Compelled by a common future and the Sustainable ·Public Social Intrapreneurs: Public sector leaders Development Goals (SDGs), social innovators are who harness the power of social innovation increasingly working with both large institutional and social entrepreneurship to create public good actors and more local grassroot organizations Together with the combined impact through policy, regulation or public initiatives as they face systemic issues. They act as catalysts, of awardees presented in the Two mobilizing power and spurring collective action, Decades of Impact report, a total ·Social Innovation Thought Leaders: Experts often through partnerships, networks and alliances. 722 million lives have been directly, and champions who are shaping and contributing positively affected by the Schwab to the evolution of the field And in the midst of a global pandemic, social innovation leaders who have lived and learned Foundation’s awarded social Awardees are recognized for their innovative experiences of the conditions of societal exclusion innovators. approaches that achieve both significant direct and environmental vulnerabilities are better placed impact as well as address the deeper, systemic to build trust in order to mobilize, orchestrate and causes of some of the world’s most pressing social sustain the transformative changes that are needed. challenges. François Bonnici Director, Schwab Foundation for Social Entrepreneurship 6 SCHWAB FOUNDATION FOR SOCIAL ENTREPRENEURSHIP TRANSFORMING THROUGH TRUST 7
Progress Equipping young Regional breakdown in a Pandemic people to build their ·North America 23% The Schwab Foundation’s Awardees since 2019 future 23 17 ·Latin America 9% are championing social innovation across the spectrum of society, achieving high-level international 20 million young people with improved access to healthcare and nutrition 25 ·Middle East and North Africa 6% and national policy changes, building high-impact and 2 million young people with better 6 technology social enterprises to grassroots networks ·Sub-Saharan Africa 17% empowering communities of change. This multilayered access to education approach proves to be essential in making an impact, ·Europe 17% 3 tackling the need for short-term responses in crises with the longer-term arcs of systemic change Through improved education, access to healthcare, nutrition and leadership development, these social ·Asia 25% innovators are providing youth with the tools to con- 17 The advent of the COVID-19 pandemic proved to struct an alternative path forward, maximizing their ·Oceania 3% 9 be particularly challenging for this community, who potential. Social Entrepreneurs like Enuma, led by also showed extraordinary resilience and agility. The Sooinn Lee, are using AI to deliver mobile, tailored, awardees have made progress in addressing both self-learning systems that have far greater reach and the immediate needs of groups who have been can include children who are regularly excluded from hardest hit by the pandemic as well as the long-term education. social and environmental challenges we face. They have done so through deep relationships and net- Who they are works of collaboration and trust and have provided the tools and capabilities for people who have been economically and socially excluded to be pivotal in catalysing their own progress. Fostering inclusion through access Levelling the playing to finance field 15.3m people empowered through better access to finance 41 million people with improved healthcare and 3.6 million with The COVID-19 crisis has amplified the systemic improved social and economic barriers of gender, race and geography, dispro- Social innovators: 77 Countries livelihoods through financial portionately affecting communities that were Headquartered in: 31 Gender: M:58% F:42% already economically excluded. Corporate Social disbursements and capacity building Average age: 49 Intrapreneur Hadi Wibowo, President of BTPN (range from 32 to 75 y.o.) Intrinsically linked with SDG 10 focused on reducing Syariah Bank in Indonesia, works to ensure inequalities, such approaches to drive equity are that his products and services reach those seen Operating models: exemplified by Social Entrepreneur Prema Gopalan, as “unbankable” for having neither financial records Founder of Swayam Shikshan Prayog, who has nor legal documentation. Through branchless changed the lives of 6 million women from poor banking that he pioneered, BTPN provides financial and marginalized communities in India. Through services to 6.6 million low and middle-income forming support collectives and building the women’s customers, directly addressing exclusion capacity in finance, business and leadership, they of underprivileged families. have transitioned from labours to farmers and entrepreneurs, enabling them to construct a pathway of resilience and independence. For profit 43% Hybrid 10% Non-profit 47% 8 SCHWAB FOUNDATION FOR SOCIAL ENTREPRENEURSHIP TRANSFORMING THROUGH TRUST 9
100 Improved Healthcare and Wellness 40’931’000 000 Improved Child Healthcare 18’050’000 000 Improved Financial Inclusion 15’356’258 Supported Migrants and Refugees 10’000’000 lives impacted Empowered Women 6’000’000 Improved Social & Economic Livelihoods 3’573’300 Improved Nutrition 2’300’748 Improved Education 2’250’752 Improved Capacity of Young Leaders 680’000 Improved Capacity of Social Innovators 319’100 Improved Energy Access 224’000 Improved Legal Identity and Representation 220’000 Improved Access to Information 175’608 Improved Access to Employment 66’700 Supported with addiction 20’100 10 SCHWAB FOUNDATION FOR SOCIAL ENTREPRENEURSHIP TRANSFORMING THROUGH TRUST 11
Creating the Ashif Shaikh, Founder of Jan Sahas, rapidly deployed a multipronged approach to support conditions to enable migrant workers in India to meet their immediate needs and build resilience for the long-term impli- social impact cations of the COVID-19 induced economic crisis. Within 100 days of the lockdown being announced, Jan formed partnerships with over 30 philanthropic Over 169,000 entrepreneurs from and private sector donors to deliver immediate relief social and economically excluded support through 42 NGOs in 19 states. backgrounds directly supported by new funding models, entrepreneur Syed Azim, CEO of Glocal Healthcare, pivoted its telemedicine and digital dispensary platform to incubators, accelerators and provide a comprehensive COVID-19 response and training programmes by the end of June 2021 had treated some 165,191 Social Innovation Thought Leaders and Public Social COVID patients in India. Syed’s platform Intrapreneurs enable the growth of social innovation and technology are highly scalable and have since by setting the foundations for individuals, businesses been deployed across India and sub-Saharan Africa. and institutions to work. Public Social Intrapreneur Ann Branch leads the European Commission Jesús Gerena, CEO of UpTogether (originally policy on social and inclusive entrepreneurship Family Independence Initiative founded by Mauricio who launched the Social Economy Action Plan for Lim Miller), in partnership with Stand Together, an Europe in December 2021. Kim In-Sun, President of NGO, launched the #GiveTogetherNow campaign the Korea Social Enterprise Promotion Agency, and raised over $100 million for low-income families is shifting the financial landscape of South Korea to in the United States. UpTogether’s digital platform support social enterprises through innovative funding enables funds to be disbursed directly models. to low-income families efficiently. Strengthening social and economic development Rapid response and Each award category leverages its unique elements to foster social and economic development Putting Sustainable Development Goals in action collaboration in the with outstanding solutions, which places SDG 8 on decent work and economic growth among Launched in 2015, the SDGs have effectively face of the pandemic the highest ranked with awardees. Corporate provided a shared language and common purpose Social Intrapreneur Garance Wattez Richard, to approach global issues. The top SDGs targeted Social Innovators have been adept at rapidly pivoting Head of AXA Emerging Customers at GIE AXA across all award categories on the three cohorts give intervention delivery to deploy immediate assistance insurance, is changing the definition of customers us an accurate picture of priorities and the diversity to those hit hardest by COVID-19. The international to be more inclusive, removing policy barriers of ways in which the awardees tackle the most press community and businesses have also recognized and designing new products aimed at facilitating social challenges. the need for collaboration and came together to set wider adoption of low to middle income customers. up coalitions such as the COVID Response Alliance The impact achieved by social innovators for Social Entrepreneurs, the Migrants Resilience is both increasing in scope and depth as Public Collaborative, and Catalyst 2030 among others. and Corporate intrapreneurs spearhead progress These collective efforts tackle issues faced by those from their institutional and business arenas. most in need either directly or by supporting social innovators to deepen and scale up delivery. 12 SCHWAB FOUNDATION FOR SOCIAL ENTREPRENEURSHIP TRANSFORMING THROUGH TRUST 13
Social entrepreneurship contributes across all 17 SGDs Putting Sustainable Development Goals in action Launched in 2015, the SDGs have effectively provided a shared language and common purpose to approach global issues. The top SDGs targeted across all award categories on the three cohorts give us an accurate picture of priorities and the diversity of ways in which the awardees tackle the most press social challenges. 14 SCHWAB FOUNDATION FOR SOCIAL ENTREPRENEURSHIP TRANSFORMING THROUGH TRUST 15
Towards Systemic Social Innovators are playing a systemic role Change Systems work is a distinct set of activities networks, which also facilitates the establishment that goes beyond delivering products and services of a political platform to unify their voices, Given the complex challenges the world is facing to integrate social impact at the core of the business to overcome deep-rooted issues that surface empowering the community to engage to challenge today, from climate change and wealth inequalities activity. Public Social Intrapreneurs open pathways as social barriers, such as resource flows, the political elites and begin shifting power dynamics. to systemic racism and unequal access to health for change by unlocking the power of policy making. mindsets, behaviours and power dynamics. Through multi-layered solutions, Social Entrepreneurs and education, the Schwab Foundation for Social While Thought Leaders continue to reflect on and It implies a departure from growing single target grassroots and marginalized people Entrepreneurship is guided by its overall ambition challenge the boundaries of social innovation, shifting organization interventions to influencing as levers of change. 1.5 to create a social innovation movement mindsets and practice. the work of multiple actors in a system. that transforms society for a more just, sustainable Corporate Social Intrapreneur, and equitable world. This translates in practice into As we look to the future, the Schwab Foundation Kennedy Odede, Founder of Shining Hope Khalil Daoud, Chief Executive a global platform that advances the world’s leading aims to deepen its systemic impact in three main for Communities (SHOFCO), works to provide Officer of LibanPost, is tackling models of sustainable social innovation. ways: advancing systems leadership and systems a set of holistic community services for those systems of human migration work; encouraging collective action; and supporting living in slums in Kenya. SHOFCO provides in Lebanon by using biometric technologies to pro- Each awardee in the four award categories mainstream adoption of outstanding social models. healthcare, gender-based initiatives, safehouses vide identity documents and financial aid for refugees demonstrates an aptitude for affecting different and education centres and has set up a platform and displaced people; a crucial element enabling system change conditions. Social Entrepreneurs for collective action and political engagement. integration and social support. With his programmes, seed grassroots action that leads to transformational Its structure enables slum dwellers to integrate he has been able change. Corporate Social Intrapreneurs masterfully horizontally across their community, building support to help 1.5 million refugees. use their influence within the private sector 16 SCHWAB FOUNDATION FOR SOCIAL ENTREPRENEURSHIP TRANSFORMING THROUGH TRUST 17
A mobilized social Outstanding models of social innovation are adopted across sectors innovation ecosystem As the work of social innovators solutions achieve for collective action is greater depth, scale and prevalence, awardees continue to demonstrate both the value of their transforming society endeavours and the value of social innovation as an effective alternative model. We see intrapreneurs securing change not only Many leaders and organizations within the Schwab within their companies but also beyond to influence Foundation community either have collective their industry. Through Nutrivida, Corporate Social approaches rooted in their model or have evolved Intrapreneur Gisela Sanchez has designed an innova- to develop them in order to tackle the complexity tive model of highly nutritional low-cost products sold of the issues they work on. In the current context, through a network of low-income mothers. it is clear that no one organization or individual The model has been a striking success, delivering can accomplish significant social change alone fortified food to over 2 million children in Central and, as a whole, the community acts as a powerful America and becoming a trusted provider of the collective voice to advance social impact. World Food Programme. Nutrivida’s innovative model is now being championed globally and major global This stronger ecosystem for collective action food competitors have begun to reformulate materializes in several ways. One of them is through their products to match the increased nutrition. the development of global and local networks of social innovators with initiatives such as the Health Technology as a tool to drive systemic Innovation Exchange, established by Pradeep change 70 Kakkatil, Director of Innovation at UNAIDS, forming formal knowledge hubs and communities of practice. Social innovators frequently integrate Through these networks, resources are pooled, technology to improve the depth, reach ideas shared and collective action shapes up. and quality of their solutions. Mobile technology continues to be a global New and more inclusive funding models are also game-changer, with 70% of awardees utilizing emerging designed to accelerate entrepreneurship it to deliver their interventions. Mobile technologies and enable collective action. Fadi Ghandour play a significant role in enabling interventions that is shifting the impact entrepreneurship ecosystem affect resource flows, practices, power dynamics in the Middle East, conducting research and raising and mental models. However, they play a less the profile of social entrepreneurship in the region, significant role in shifting policy where technology while seeding many of the region’s successful start- such as artificial intelligence (AI), machine learning up and growth companies both in the traditional and automation is used more frequently. and social impact sectors. However, AI accounts for 43% of technologies A third expression of the ecosystem for collective used to affect policy change. It is reinventing action is the emergence of leaders that accelerate the way children learn through ed-tech solutions, the mobilization process. Youth groups from South how government and business make decisions Asia to South America are being established and providing patients with faster, safer and better- to overcome systems of oppression by developing quality healthcare. Critically, AI is transforming inclusive leaders. Social Entrepreneur Adriana how communities engage with government. Barbosa, CEO of PretaHub, has identified, Phillip Atiba Goff, Co-Founder of Centre for supported and built the capacity of 100,000 Black Policing Equity, has drawn on policing data and entrepreneurs in Brazil. In turn, these entrepreneurs AI to develop the Justice Navigator, an interactive are leading the transformation of their communities tool that tracks and analyses statistics on police through business that challenges structural racism. behaviour, which, in turn, spurs data-driven reforms in police departments in the United States. Through transparency and data analytics, Phillip is transform- ing the relationship between communities and police services in the US. 18 SCHWAB FOUNDATION FOR SOCIAL ENTREPRENEURSHIP TRANSFORMING THROUGH TRUST 19
A Social For over 20 years the Schwab They empower socially and economically excluded They leverage technology to leap-frog barriers Foundation has been recognizing people so they become architects of their own future. to growth and make public services more inclusive. Through RLabs, Rene and Marlon Parker provide Kennedy Njoroge has created a blockchain-based founders who innovatively address Innovation opportunities to a generation of unemployed, smart contracting marketplace that decentralizes social or environmental problems, unskilled and underprivileged youth in 23 African access to marketplaces and empowers smallholder with a focus on low-income, countries, enabling self-empowerment, building producers to make better decisions and obtain better Movement marginalized and vulnerable of community solutions and economic independence. prices. With WaterHealth, Sanjay Bhattnagar populations and ecosystems. Lindiwe Matlali is delivering science, technology, has used the internet of things and automation engineering and mathematics education to students systems to remotely monitor and control decentralized The Schwab Foundation 2019-2022 Social Entrepreneur in South Africa, allowing students to gain high-quality water systems, creating an efficient and scalable awardees are social pioneers addressing persistent and valuable education regardless of their socio- water management and distribution model. Spotlight on Social structural inequalities including gender discrimination, economic exclusion and racial bias. economic background. Lisa McLaughlin and Robin McIntosh are creating a new paradigm in addiction Hla Hla Win, CEO of 360education, is using virtual reality and augmented reality to deliver educational Entrepreneurs They work closely with the issues faced, and their scope covers a wide array of challenges from refugee family care in the US with Workit Health, an effective and accessible opioid addiction platform that shows content to children previously excluded from education as well as push for educational reform. reunification and human rights to water infrastructure exceptional retention rates, a decrease in addictive and financial inclusion. By empowering marginalized behaviours and anxiety, as well as an increase populations to be actors of their own change, in healthy habits. Social Entrepreneurs enable lasting, transformational progress. 20 SCHWAB FOUNDATION FOR SOCIAL ENTREPRENEURSHIP TRANSFORMING THROUGH TRUST 21
37 Celso Athayde founded Central Univa das “I work in the territories of Brazil Ashraf Patel founded Pravah and ComMutiny “When we started 25-30 years ago, there were Favelas (CUFA) in 1998 in Rio do Janeiro, Brazil, with over 37 million people. Youth Collective (CYC), which focuses on facilitat- no programmes with an emphasis on making to engage and empower young people, especially Some 87% are Black people. ing the development of a generation of empathetic, connections between self and society in school young people of colour, to inspire change. In 2015, Brazil is a country based on slavery. sensitive youth change-makers in India, helping curriculums. They didn’t exist. Celso founded Favela Holding, a group of companies Happiness was reserved for the few during slavery. them build more inclusive identities and societies. You need young people in leadership at all levels. whose central objective is to change the economic The effects of colonial social inequality are brutal. Ashraf’s work challenges traditional concepts Building youth leadership is not the work of NGOs, matrix of the favela. It is the first social holding in the The victims of this inequity need to understand they of youth leadership and expands youth empower- colleges and schools. Youth development world and promotes social entrepreneurship, new have a right and are a part of the prosperity ment through exploring the idea of a “fifth space”. is the work of everyone – all of us can be youth business opportunities and increased employability that belongs to our country. Wealth has to be She suggests that traditional spaces for youth workers. If every space becomes a space to nurture for those living and working in favelas. shared or there will be social chaos. The people engagement – friends, family, education youth leadership, we will succeed.” we serve through Favela Holding are living lives and employment, leisure and recreation – that were not projected for them. They are now the are not governed by young people, and that decision “The idea of self-to-society or me-to-we is important bosses of their own companies. This is not a legacy making, rules and expectations are set by others. language and it is what we champion. We knew that they inherited; it is their time to see the effects In the fifth space, her work seeks to create a space design principles could help build youth-centric of their efforts.” where young people can discover themselves and youth-empowered spaces. We’ve worked with through community actions. Members of the expansive many designers and these thousands of designs coalition she has established include young people, have emerged from our work, each contributing to youth organizations, youth facilitators, our purpose to ‘scale with soul’.” and representatives from public and private sectors. 22 SCHWAB FOUNDATION FOR SOCIAL ENTREPRENEURSHIP TRANSFORMING THROUGH TRUST 23
Alex Eaton Alexandre Tourre Chris Sheldrick Nthabi Mosia Jalil Allabadi Joseph Thompson Kennedy Njoroge Lisa McLaughlin Organization: Sistema.bio Organization: Easy Solar Organization: what3words Organization: Easy Solar Organization: Altibbi Organization: AID:Tech Organization: Cellulant Organization: Workit Health HQ country: Mexico HQ country: Sierra Leone HQ country: United Kingdom HQ country: Sierra Leone HQ country; Jordan HQ country: Ireland HQ country; Kenya HQ country: USA Operations: Latin America Operations: Africa Operations: Global Operations: Africa Operations: MENA Operations: Global Operations: Africa Operations: USA Sector: Energy Sector: Energy Sector: Information Sector: Energy Sector: Health and healthcare Sector: Information Sector: Financial inclusion Sector: Health and healthcare SDG: 2, 13, 15 SDG: 7 communications technologies SDG: 7 SDG: 3, 9, 10 communications technologies SDG: 9, 10 SDG: 3, 9, 10 SDG: 9, 10 SDG: 9, 10, 17 Alex Eaton, CEO and Alexandre Tourre is Nthabiseng Mosia is Jalil Allabadi is CEO Ken Njoroge is the found- Lisa McLaughlin is Co- Co-Founder of Sistema. Co-Founder and CEO Chris Sheldrick, Co- Co-Founder of Easy of digital health plat- Joseph Thompson is ing CEO of Cellulant, Founder and Co-CEO bio, grew up on of Easy Solar. He has Founder and CEO of Solar. A South African form Altibbi. He is an CEO and Co-Founder which delivers a con- of Workit Health, a a small farm and is a background in finan- what3words, has pio- and Ghanaian dual citi- industrial engineer by of AID:Tech, which uses nected one-stop mobile behaviour al healt h committed to optimizing cial inclusion and mobile neered a simpler way to zen, she has worked as training, with a master’s blockchain for digital payments and digital company providing natural ecosystems. money in Kenya and give precise locations by a management consul- degree in Business identity, aid and remit- commerce service expert, evidence-based His company helps Afghanistan. Easy Solar turning accurate GPS tant and has extensive Administration. Jalil tance delivery. AID:Tech across Africa for busi- addiction care through farmers put waste to is transforming people’s coordinates into us- experience spanning was born in Lebanon to has also released the nesses, mobile network telemedicine. She held work using patented lives in West Africa er-friendly combinations the energy spectrum as Palestinian parents. He first blockchain appli- operators, financial in- leadership positions at bio-digesters that con- by supplying reliable of three words. Instead well as in telecoms and has built Altibbi into a cation of peer-to-peer stitutions, and their con- leading digital health vert animal manure into solar energy and other of using international ad- financial services. Easy digital health platform for traceable donations for sumers. He has led the and learning compa- renewable energy and transformative durable dresses and postcodes, Solar is transforming the Arab world. Inspired clients of banks, corpo- company from an idea nies before setting up organic, natural fertiliz- goods, including solar which are often too broad people’s lives in West by a pioneering medical rations and consumers. sketched on a serviette Workit, which is working er. With as few as two lanterns, home-lighting and not universal, what- Africa by supplying reference dictionary The platform provides in 2002 to an enterprise to reinvent substance cows, one bio-digester systems, applianc- 3words names every 3m reliable solar energy written by his father, transparency and trace- with more than 350 abuse and addiction produces enough clean es and cookstoves. square in the world with and other transforma- Jalil created Altibbi to ability to the distributions employees across 13 treatment. Using both and renewable biogas to It makes these afford- a unique three-word ad- tive durable goods, offer up-to-date medical of resources, bringing markets. He remains un- virtual and in-person meet all the energy needs able through a range dress. This simple solu- including solar lanterns, information to users in access and inclusion to wavering in his pursuit mental health support for cooking and heating of flexible financing tion means that everyone home lighting systems, the Middle East and the underserved. Each of connecting more than programmes, the team in a rural household, as options, using pay-as- can easily talk about a appliances and cook- North Africa (MENA) in AID:Tech digital ID 500 million consumers is tackling the nearly well as organic fertilizer to you-go technology, specific location. NGOs, stoves. It makes these Arabic. The platform represents a blockchain in Africa with digital $35 billion addiction improve crop yields for up and accessible through aid organizations, emer- affordable through has a unique mix of wallet address, which is payment services. Over recovery market, with to five hectares, providing an extensive network gency services, delivery a range of flexible fi- tools to deliver health unique and documents the past few years, he a focus on accessibility customers with a better of agents and shops. companies and govern- nancing options, using awareness, information every transaction asso- has invested time in for those who need it quality of life. ments are adopting the pay-as-you-go tech- and advice to millions ciated with it. AID:Tech training and advising most. Its programmes technology to improve nology, and accessible through its extensive was the first company the next generation of provide holistic care business efficiencies, through an extensive content library and tele- in the world to deliver entrepreneurs and con- to patients for all three drive growth and save network of agents and health service. international aid using tributing to the growth addiction stages: pre- lives. shops. blockchain technology of the entrepreneurship vention, treatment and in 2015. ecosystem in Africa. detox. Social Entrepreneurs 2019 24 SCHWAB FOUNDATION FOR SOCIAL ENTREPRENEURSHIP TRANSFORMING THROUGH TRUST 25
Mehrdad Baghai Mostafa Farahat Phillip Atiba Goff Prema Gopalan Roberta Faria Robin McIntosh Rodrigo Wright Sanjay Bhatnagar Organization: High Resolves Organization: Nafham Organization: Organization: Organization: Organization: Workit Health Pipponzi Organization: HQ country: Australia HQ country: Egypt Center for Policing Equity Swayam Shikshan Prayog Editora MOL HQ country: USA Water Health International Organization: Editora MOL Operations: Global Operations: MENA HQ country: USA (SSP) HQ country: Brazil Operations: USA HQ country: USA HQ country: Brazil Sector: Children and youth Sector: Education Operations: USA HQ country: India Operations: Brazil Sector: Health & Healthcare Operations: Global Operations: Brazil development SDG: 4 Sector: Governance and civic Operations: India Sector: Information, SDG: 3, 9, 10 Sector: Natural Resources Sector: Information, SDG: 4, 5, 8, 10 engagement Sector: Community communications SDG: 6 Mostafa Farahat is Co- SDG: 10, 16, 17 empowerment and technology communications and technology Mehrdad Baghai is Founder and CEO of SDG: 1, 4, 5, 8 SDG: 9, 10 Robin McIntosh is SDG: 9, 10 Sanjay Bhatnagar Chairman of Alchemy online learning platform Phillip Atiba Goff is Co- Prema Gopalan is Roberta Faria is Co- co-founder and co- is President and Growth, a boutique Nafham, which currently Founder and CEO of Executive Director Founder and Executive CEO of Workit Health, CEO of WaterHealth strategy advisory firm helps 5 million school the Center for Policing of Swayam Shikshan Director of Editora MOL, a behavioural health Rodrigo Wright Pipponzi International (WHI), advising large com- students and young Equity (CPE), which Prayog (SSP), a learn- a social impact publish- company providing is Co-Founder and CEO and Founder of THOT panies on growth. learners in six Arab serves as a bridge ing and development ing house that created expert, evidence-based of Editora MOL, a social Capital Group, a private He is an active investor countries. Established between police depart- organization that aims the concept of socied- addiction care through impact publishing house equity firm investing in in both the technology in 2012, Nafham is an ments and communities to promote women’s itorial projects. The telemedicine. She that created the concept energy and infrastruc- and private equity fields. award-winning edu- to reduce burdensome economic and social group prints inspiring worked at the cross- of socieditorial projects. ture. WHI’s approach of In 2017, he reduced cational platform and and disparate policing. empowerment as entre- content – magazines, roads of technology, The group prints inspir- decentralized sustain- his business interests online tutoring service. He is a US national preneurs and leaders books, calendars, ta- healthcare and engage- ing content – maga- able water purification to take over as global It uses the power of the leader in the science of for sustainable commu- bletop games and much ment platforms before zines, books, calendars, makes it possible to CEO of High Resolves, crowd to simplify and racial bias after pioneer- nity development. Her more – and sells it for setting up Workit, which tabletop games and deliver safe water ser- a social venture which explain school curric- ing experiments that belief is that excluded below-the-market prices is reinventing substance much more – and sells vices to communities he co-founded with his ulum lessons in short have exposed how our and resource-poor in big retailers, donating abuse and addiction it for below-the-market once considered un- wife, Roya, in 2005 to videos in a process minds learn to associate communities can be part of the revenue to treatment. Using both prices in big retailers, reachable by construct- provide peak learning called “crowd-teach- Blackness and crime revitalized through eco- non-profits that fight for virtual and in-person donating part of the ing and operating mi- experiences that help ing”, which enables implicitly, often with nomic growth and social major causes. Since mental health support revenue to non-profits cro-water utilities called young people reflect on students to access deadly consequences. progress, if the true 2008, MOL has sold programmes, the team that fight for major caus- WaterHealth Centres. their shared humanity. multiple explanations This research led to the potential of grassroots more than 20 million is tackling the nearly es. Since 2008, MOL It uses commercially Since its inception in for the same lesson in co-founding of CPE, women entrepreneurs units, donating more $35 billion addiction has sold more than 20 available water puri- 2005, High Resolves a few seconds, anytime a university research is realized. Based in than R$39 million to recovery market, with a million units, donating fication technologies, has engaged with over and anywhere. It attracts centre now supported Pune, SSP has built a more than 100 non-prof- focus on accessibility for more than R$39 mil- remote monitoring and 500,000 young people 700,000 unique visitors by the 501c3 Policing robust ecosystem that its, becoming the largest those who need it most. lion to more than 100 smart card systems to in Australia, the Unites every month and offers Equity organization. empowers women-led social impact publishing Its programmes provide non-profits, becoming provide affordable, safe States, Canada, Mexico, thousands of videos. Created at UCLA, the entrepreneurship and house in the world. holistic care to patients the largest social impact drinking water to nearly Brazil and many other centre is now the world’s leadership in emerging for all three addiction publishing house in the 450 underserved com- countries. largest research and high-impact sectors stages: prevention, world. munities in India, the action think-tank on race such as clean energy, treatment and detox. Philippines, Ghana and and policing. agriculture and nutrition, Bangladesh. health and sanitation. Social Entrepreneurs 2019 26 SCHWAB FOUNDATION FOR SOCIAL ENTREPRENEURSHIP TRANSFORMING THROUGH TRUST 27
Hla Hla Win Daniel Asare-Kyei Adriana Barbosa Henrique G. Jesús Gerena Javier Goyeneche Dharsono Hartono Sooinn Lee Organization: 360Ed Organization: Esoko Organization: PretaHub Brammer Junior Organization: UpTogether Organization: Ecoalf Organization: PT Rimba Organization: Enuma Inc. HQ country: Myanmar HQ country: Ghana Operations: Africa HQ country: Brazil Operations: Latin America (Guilherme HQ country: USA Operations: USA HQ country: Spain Operations: Europe Makmur HQ country: Indonesia HQ country: South Korea Operations: Asia and East Operations: Myanmar Sector: Education Sector: Food systems Sector: Diversity and inclusion Brammer Jr) Sector: Community Sector: Circular resources Operations: Indonesia Africa SDG: 4, 5, 10 SDG: 1, 2, 10 SDG: 4, 8, 10, 16 empowerment SDG: 12, 13, 14, 15 Sector: Environment Sector: Education Organization: Boomera SDG: 1, 10 SDG: 2, 13, 15 SDG: 4, 10 Win Hla Hla is Co-Founder Daniel Asare-Kyei Adriana Barbosa is HQ country: Brazil Javier Goyeneche is Operations: Brazil and CEO of 360ed, a is CEO of Esoko, a Founder of Preta Hub, Sector: Circular resources Jesús Gerena is CEO of Founder and President Dharsono Hartono is Sooinn Lee is Co- Myanmar-based start- Ghana-based group a centre for Black cre- SDG: 11, 12, 13 UpTogether, a commu- of EcoAlf, a sustainable CEO of Rimba Makmur Founder and CEO of up tackling the problem that empowers rural com- ativity and enterprise nity movement and plat- fashion brand that Utama, an Indonesian Enuma, a children’s ed- of access to quality munities on the African in Brazil. She started Henrique Guilherme form using data and per- develops fabrics from company that manages ucational software com- education for those at continent through digital her journey in São Paulo Brammer Junior is sonal success stories to recycled materials. He the Katingan Mentaya pany changing the para- the bottom of the pyra- transformation and in 2002 by creating with founder of Boomera, transform stereotypes, launched the company Project, which con- digm of basic education mid. 360Ed is composed financial inclusion. He a friend a fair for Black a Brazilian recycling beliefs and policies. Its after growing frustrated serves large areas of through digital learning. of educators, tech ex- is a technologist, agri- entrepreneurs, which company. Frustrated vision is for all people with the amount of waste peat forest in Borneo, She has developed ma- perts, content creators cultural economist and has since become a by the environmental in the US to be seen being produced by the while providing sustain- ny highly acclaimed ap- and scholars who are an entrepreneur, having major cultural and impact of waste like cig- and invested in for their fashion industry. In part- able sources of liveli- plications that engage committed to revamping spent the past 17 years economic success, arette butts, disposable strengths and be able nership with specialist hood for local communi- a wide range of young the education reform working at the nexus of bringing together annu- diapers and espresso to build their social and manufacturers, EcoAlf ties. Following six years learners around the process by leveraging development, entrepre- ally over 700 exhibitors, pods, he founded financial assets. Since transforms discarded at Pricewaterhouse world, including those advances in virtual neurship and science. 50,000 visitors and a Wisewaste in 2011 and 2001, it has demon- fishing nets, PET plas- Coopers and JP with special needs, in reality, augmented real- Initially focused on pro- revenue flow of around renamed it Boomera in strated that people and tic bottles, used tyres, Morgan in New York, independent and effec- ity and other emerging viding content services R$800,000. She has 2017. The group has families in historically coffee and post-indus- Dharsono went on to tive learning. Enuma’s technologies for learners to farmers to improve also founded Festival developed a methodol- undervalued and finan- trial cotton and wool into executive roles at a approach combines in Myanmar. Its work is productivity, Esoko now Feira Preta, the largest ogy called the Circular cially under-resourced high-quality yarns and local Indonesian com- universal learning princi- grounded in experimen- provides a community event on Black culture Pack to gain scale and communities have the components for cloth- pany before starting ples with best practices tation, innovation, col- management platform in Latin America and impact by turning waste initiative and capacity ing, accessories and his Katingan Mentaya in commercial game laborative partnerships for organizations to im- an equal opportunity into a range of products, to move themselves and footwear. It manages the Project in 2007. Rimba design and educational and extended fieldwork. plement and track com- space to showcase bringing together tech- their communities out full process in the sup- Makmur Utama imple- research to build the munity-based projects. and celebrate Afro- nology, design, science of poverty. It invests in ply chain, from waste ments a sustainable best-quality, digital Via its cloud platforms, contemporary trends in and social inclusion. It the entrepreneurship of collection to recycling land-use model by learning products. Its Esoko also provides the arts and the creative has also established people in undervalued technologies, manufac- reducing deforestation flagship product, Todo excluded communities economy. partnerships with cus- communities and works turing, design and retail. and degradation, pro- Math, has been ranked and project beneficia- tomers like Procter & with government and moting conservation, #1 in the App Store in 20 ries with information Gamble, Adidas and philanthropies to do the enhancing ecological countries. services and access to Nestlé to find environ- same. integrity and growing digital financial products. mentally friendly solu- economic opportunities tions for their waste. for rural communities in Central Kalimantan. Social Entrepreneurs 2020 28 SCHWAB FOUNDATION FOR SOCIAL ENTREPRENEURSHIP TRANSFORMING THROUGH TRUST 29
Lindiwe Matlali Shanti Raghavan Anushka Ratnayake Azim Sabahat Ashif Shaikh Dipesh Sutariva Celso Athayde Organization: Africa Teen Organization: EnAble India Organization: myAgro Organization: Organization: Jan Sahas Organization: EnAble India Organization: Geeks HQ country: India HQ country: Senegal Global Healthcare Systems HQ country: India HQ country: India CUFA Favela Holding HQ country: South Africa Operations: India Operations: Africa HQ country: India Operations: India Operations: India HQ country: Brazil Operations: Africa Sector: Disability Sector: Food systems Operations: Africa, East Sector: Humanitarian Sector: Disability Operations: Brazil, Bronx, NY Sector: Education SDG: 4, 8, 10 SDG: 1, 2, 8, 10 and Northern Asia and migration SDG: 4, 8, 10 (Global CUFA) SDG: 4, 5, 8, 10 Sector: Health and healthcare SDG: 3, 5, 8, 10, 16, 17 Sector: Community Shanti Raghavan is Anushka Ratnayake is SDG: 3, 10 Dipesh Sutariya is Co- empowerment Lindiwe Matlali is Founder of Enable India, Founder and CEO of Ashif Shaikh is Co- Founder and CEO of SDG: 1, 10 Founder and CEO of which works for the eco- myAgro, a non-profit so- Sabahat S. Azim is Founder and Director Enable India, a non-prof- Africa Teen Geeks, one nomic independence cial enterprise based in Founder and Managing of Jan Sahas, a national it organization that Celso Athayde is DJ workshops, break, of Africa’s largest com- and dignity of persons West Africa pioneering Director of Glocal grassroots organization works for the economic Founder of the Central rap, audio-visual media, puter science NGOs. with a disability. She cre- a mobile layaway sav- Healthcare Systems, a in India committed to independence and Union of Favelas street basketball, and lit- Its mission is to bring ated the organization in ings model that enables social venture that seeks ensuring dignity and dignity of persons with (CUFA), a Brazilian erature. Also founded by science into children’s 1999 after experiencing farmers to invest their to bring state-of-the- equality for all. He is a disability across India, non-profit organisation Celso Athayde, “Favela classrooms, driven by her brother becoming own funds in high-quali- art healthcare to rural human rights activist since 1999. The group established 20 years Holding” is a conglom- the belief that no child blind at the age of 15. ty seeds, fertilizers, tools populations in India by who has pledged his life is transforming attitudes ago to represent and eration of 23 companies should be left behind Enable India has helped and training. She has offering an integrated to eliminate slavery and towards employment of promote the interests whose goal is to develop by the tech revolution. change the mindset of worked in rural Africa model of comprehensive end violence based on the disabled and cre- of people living in over the favelas and empow- The social enterprise businesses and govern- since 2008, helping to block-level primary and caste and gender. For ating a new market in five thousand favelas erment of their residents teaches children and ment agencies, has built increase market access secondary care hospi- 20 years, Jan Sahas has which the needs of the in Brazil, estimated through fomenting en- unemployed youth how models and frameworks for small-scale farmers. tals, digital dispensaries worked with excluded corporate sector are met at 17 million people trepreneurship amongst to code, exposes them for inclusion, and has Under the myAgro and technology. He is a communities for safe by a growing cohort of and equivalent to ap- these communities and to computer science built collectives to scale model, farmers pay medical doctor, a former migration, prevention of disabled professionals proximately 8% of the promoting business and and inspires a future across the country and in advance for inputs Indian Administrative sexual violence against who are dispelling the population. Recognised employment opportuni- generation of technol- world. Today it is pio- and training by buying Service officer and an women and children, myths and stereotypes both nationally and inter- ties for favela residents. ogy entrepreneurs and neering new models for a myAgro card at their entrepreneur. Under eradication of forced about hiring persons nationally in the fields of innovators. The organi- the future of work in a local village store and his stewardship, Glocal labour practices like with disability. Enable social assistance, sports zation plugs a vital gap post-COVID world and depositing their money has set up and is oper- trafficking, manual India’s models and and recreation and in science, technology, campaigning for “includ- into a layaway account ating 11 integrated su- scavenging, bonded content are also used community develop- engineering and math- ability” – the competen- by texting in the scratch- per-specialty hospitals labour and commercial in other organizations in ment, CUFA promoted ematics (STEM) edu- cy that leaders need to off code. in the states of Bihar, sexual exploitation of India, as well as some in the unification of young cation in South Africa, have to work with any Uttar Pradesh, Odisha children. It works across Africa, Asia, Europe and people from favelas, with a particular focus kind of “difference”. and West Bengal. Glocal nine states in India, the US. mostly black youth, on girls. stands for global quality, partnering with com- who sought means of delivered at a local level. munity-based organiza- expression through ac- tions, philanthropies and tivities such as graffiti, governments. Social Entrepreneurs 2020 30 SCHWAB FOUNDATION FOR SOCIAL ENTREPRENEURSHIP TRANSFORMING THROUGH TRUST 31
Rana Dajani Jos de Blok Mikaela Jade Kennedy Odede Rene Parker Marlon Parker Wenfeng Wei (Jim) Ashraf Patel Organization: Taghyeer Organization: Organization: Indigital Organization: SHOFCO Organization: RLabs Organization: RLabs Organization: Hangzhou Organization: We Love Reading (WLR) Stichting Buurtzorg HQ country: Australia HQ country: Kenya HQ country: South Africa HQ country: South Africa DADDYLAB Technology Co., Pravah and ComMutiny HQ country: Jordan HQ country: Netherlands Operations: Australia Operations: Africa Operations: Africa Operations: Africa Ltd HQ country: India Operations: MENA Operations: Global Sector: Diversity and inclusion Sector: Community Sector: Workforce Sector: Workforce HQ country: People’s Operations: India Sector: Education Sector: Health and healthcare SDG: 8, 10 empowerment development development Republic of China Sector: Children SDG: 1, 4, 5 SDG: 3 SDG: 1, 4, 5, 10 SDG: 1,8, 10 SDG: 1,8, 10 Operations: People’s and youth development Mikaela Jade is a Republic of China SDG: 4, 10 Rana Dajani is Founder Jos de Blok is an Cabrogal woman of the Kennedy Odede grew up Rene Parker is a social Marlon Parker is a social Sector: Consumer protection of Taghyeer/We Love award-winning social en- Dharug-speaking nation in Kibera, Africa’s largest impact entrepreneur with entrepreneur and advo- SDG: 12 Reading ( W L R ) , a trepreneur and CEO and of Sydney. Her compa- slum, and started Shining extensive experience in cate of using technology Ashraf Patel has played non-profit organization Founder of Buurtzorg ny, Indigital, founded in Hope for Communities building social ventures at for good. As Co-Founder Wenfeng Wei (Jim) is a key role in shaping the based in Jordan. She (neighbourhood nurs- 2014, is Australia’s first (SHOFCO) in 2004 with scale. As CEO of RLabs of RLabs Marlon led its Founder of Daddylab, a youth work field over two is also a Professor of ing). Founded in 2006 Indigenous edu-tech passion, 20 cents, and she led its transformation transformation from the social enterprise to keep decades as co-Founder Molecular Cell Biology at with one team of four company. Indigital is built a soccer ball. SHOFCO from the humble begin- humble beginnings of children away from toxic of Pravah and ComMutiny Hashemite University in nurses, Buurtzorg has on a belief that together proposes to eradicate nings of a community a community project in and harmful products. - The Youth Collective. Jordan, a Harvard Radcliff transformed home- we can use digital tech- extreme poverty in urban project in Cape Town into Cape Town into an award Daddylab was estab- She is a passionate fellow, a Fulbrighter, and based healthcare and it nologies to help preserve slums, demonstrating a an award winning global winning global social lished in 2015 and now practitioner and advo- Eisenhower fellow, and a has created an innovative and proliferate 80,000 model that can be repli- social enterprise. RLabs enterprise. RLabs is a has over 300 staff, includ- cate of inside-out youth Yale and Cambridge vis- method for nursing care years of human knowl- cated around the globe. is a global movement that global movement that ing 45 technical experts leadership. She is com- iting professor. She spe- at home. Jos, himself a edge while engaging SHOFCO believes that has inspired replication of has inspired replication of with a diverse range of mitted to collaboration cialises in the research nurse, believes in an em- people in education that the key to peace and the model in 23 countries the model in 23 countries academic backgrounds. and is a part of shaping a area of refugee youth and powered nurse-led team leads to skills, jobs, and prosperity is through em- and impacted more than and impacted more than Over 300 different cat- cross-sectoral communi- the epigenetics of trauma approach, as well as an wealth creation to build powering communities 20 million people since 20 million people since egories of consumer ty of leading stakeholders across generations, and empowered patient. He a stronger future for all. to participate actively in its inception in 2009. its inception in 2009. products have been called the VartaLeap is a world expert on ge- believes most patients Indigital Schools, the their own transformation Rene has a passion for Rene has a passion for tested since its formation Coalition, working to- netics of Circassian and can be encouraged to company’s flagship pro- and harnessing their empowering women in empowering women in in 2015. It is a social plat- wards strengthening Chechan populations in participate together with gramme, is an Elder-led, collective voice to advo- technology and business technology and business form which combines the youth-centric develop- Jordan. She established their Buurtzorg nurse in fully curriculum-integrat- cate for change. In 2020, and continues to support and continues to support function of a third-party ment as a systemic ap- stem cell research ethics finding solutions to their ed exploration of cultural SHOFCO has reached start-ups and innovation start-ups and innovation testing agency, a market proach based on values law in Jordan and is an home-care needs, and expressions, heritage and 2.4 million individuals hubs across Africa by hubs across Africa by watchdog, a consumer of justice, equality, liberty, advocate for biological that many of these solu- knowledge through aug- across 17 urban slums providing mentorship and providing mentorship and rights advocacy forum, and fraternity, enshrined evolution, and a Member tions can be found in the mented and mixed reality through COVID response strategic direction. strategic direction. and an e-commerce in the Indian Constitution, of the UN Women Jordan community. production. It exists to at scale. Over the next platform selling products that also further societal advisory council. Rana preserve, access and five years, they aim to which are tested in a very wellbeing and global established a women share traditional knowl- build a nationwide com- transparent, scientific, citizenship. Ashraf is an mentor network and edge, language and law. munity platform that links verifiable, and reproducible Ashoka Fellow and was received the Partner- people to dignified critical way. recognised as the Social ships for Enhanced services. Entrepreneur of the Year Engagement in Research (SEOY 2020) and award- (PEER) award in 2014. ed Distinguished Alumni She also organised the for Public Service (2014 first gender summit for XLRI). the Arab world 2017. Social Entrepreneurs 2022 32 SCHWAB FOUNDATION FOR SOCIAL ENTREPRENEURSHIP TRANSFORMING THROUGH TRUST 33
You can also read