Tag:Conveners.org68

Impact Investors Tag: Conveners.org 60

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Investor

Agora Partnerships


United States of America

Agora Partnerships accelerates the growth of early-stage impact companies in Latin America. They are a global community of entrepreneurs, investors, mentors, and individuals dedicated to using the power of business to effect positive change in their communities. They work only with early-stage entrepreneurs where the right kind of support can significantly accelerate their ability to create impact. Their aim is to help build a more just, sustainable world primarily though Impact Accelerator program, which provides entrepreneurs with access to social, human, and financial capital.

Type: Accelerator/Incubator Geography: Latin America and the Caribbean Impact: Access to Financial Services

Investor

Artemisia


Brazil

Artemisia is a pioneer in social business, and a reference in this area in Brazil. They catalyze professionals and entrepreneurs to generate high-impact social enterprises, through education initiatives, knowledge dissemination and social enterprise acceleration.

Type: Accelerator/Incubator Geography: Latin America and the Caribbean Impact: Community Development

Investor

Artha Venture Challenge


Switzerland

The Artha Platform is an online community and website dedicated to building relationships between impact investors and donors, and social entrepreneurs and capacity building support organizations working on or in India. It is an independent initiative supported by Rianta Philanthropy Ltd.

Type: Investment Fund Manager Geography: India Impact: Access to Financial Services

Investor

BEAHIVE


United States of America

BEAHIVE opened in May 2009 right in the heart of Beacon’s Main Street in an artisan-renovated 1907 Bell Telephone building. They added a second in Kingston later that winter (closed in 2012 and then re-opened fall 2015), a third hive in Downtown Albany in early 2012, and a hive in Peekskill in the summer of 2015 (since closed). Inspired in part by the coworking and Localism movements, BEAHIVE is a new kind of collaborative space for work and community, the only of its kind in the Hudson Valley. BEAHIVE provide a shared, creative work environment for entrepreneurs, the creative class, microbusinesses and consultants.

Type: Accelerator/Incubator Geography: United States of America Impact: Capacity Building

Investor

Betaspring


United States of America

Betaspring is a mentorship-driven startup accelerator program for technology and design entrepreneurs who are ready to launch a company and change the world. Investment :$0-$20,000. Competitive entrepreneurial teams from around the world come to Providence, RI, for our intensive thirteen-week program during which, we help them transform into functional, fundable companies by providing mentorship, kickoff funding, and immersion in an intense startup community of jet propelled entrepreneurs.

Type: Fund Manager Geography: Global Impact: Income/Productivity Growth

Investor

Bethnal Green Ventures


United Kingdom of Great Britai

Bethnal Green Ventures is an accelerator programme for tech startups working on stuff that matters. Investing amount: £15,000

Type: Accelerator/Incubator Geography: Europe Impact: Access to Education

Investor

BiD Network


Netherlands

BiD Network focuses on high growth businesses based in developing countries with a financing need of US$10,000 to US$5,000,000 over the next five years. They provide professional services to entrepreneurs, coaches, investors, business angels and SME service providers. An international network of partners makes this possible.

Type: Accelerator/Incubator Geography: Global Impact: Income/Productivity Growth

Investor

Buckminster Fuller Challenge


United States of America

Buckminster Fuller Challenge was founded in 1983 to facilitate the convergence across the disciplines of art, science, design and technology, and work extend the profoundly relevant legacy of R. Buckminster Fuller. In this way, they strive to catalyze the collective intelligence required to fully address the unprecedented challenges before us. BFC programs encourage participants to conceive and apply transformative strategies based on a crucial synthesis of whole systems thinking, Nature's fundamental principles, and an ethically driven worldview.

Type: Accelerator/Incubator Geography: Global Impact: Capacity Building

Investor

California Technology Council (CTC)


United States of America

The California Technology Council (CTC) is a technology trade association serving innovators from all industry sectors in the state of California. Every day, CTC delivers value through a set of member benefits essential to running a technology company. CTC looks for opportunities to support business development and access to markets for members through its initiatives, events and content. CTC advocates for an aspirational Innovation Agenda for California.

Type: Accelerator/Incubator Geography: United States of America Impact: Capacity Building

Investor

CalSo


United States of America

CALSO is a nonprofit corporation organized under the Nonprofit Public Benefit Corporation Law of California. The corporation is organized and operated specifically for charitable purpose within the meaning of Section 501(c)(3) of the Internal Revenue Code of 1986. CALSO is building an inclusive society where all people have the opportunity to reach their full potential by developing a comprehensive approach towards poverty. Indeed, they know from experience that each exclusion situation is a mix of several unresolved issues (health, housing, environmental, psychological, etc.). That is why they believe it is important to develop integrated and holistic solutions.

Type: Accelerator/Incubator Geography: United States of America Impact: Capacity Building

Investor

Capital Innovators


United States of America

Capital Innovators provides tech startups with the funding, resources, and connections they need to reach the next level. The Capital Innovators Accelerator Program provides $50,000 in seed funding, project-based mentorship from a seasoned pool of knowledgeable entrepreneurs, stellar perks, networking, and follow-on funding opportunities over the course of 12 weeks.

Type: Accelerator/Incubator Geography: Global Impact: Access to Financial Services

Investor

City Startup Labs


United States of America

City Startup Labs (CSL) is a Charlotte-based, business accelerator delivering training and coaching to black male milliennials (18-34 yrs.), while guiding them to plan and launch successful ventures, and be catalysts for change in their communities. It seeks to create is a new class of entrepreneurs – from the most determined, driven, best and brightest young men, that inner-city America has to offer.

Type: Accelerator/Incubator Geography: United States of America Impact: Capacity Building

Investor

Compartamos con Columbia


Colombia

Compartamos con Colombia is a multi-enterprise corporation nonprofit organization that focuses on developing leaders, transfer knowledge and build capacity in organizations in order to increase its contribution to social development.

Type: Foundation Geography: Colombia Impact: Access to Financial Services

Investor

Creative Capital


United States of America

Creative Capital supports innovative and adventurous artists across the country through funding, counsel and career development services. The pioneering approach—inspired by venture-capital principles—helps artists working in all creative disciplines realize their visions and build sustainable practices. Creative Capital provides each funded project with up to $50,000 in direct funding and career development services valued at $40,000, for a total commitment of up to $90,000 per project. Since 1999, they have committed $29 million in financial and advisory support to 418 projects representing 529 artists, and their Professional Development Program has reached 5,500 artists in more than 150 communities.

Type: Accelerator/Incubator Geography: Africa Impact: Access to Financial Services

Investor

Dasra Social Impact


India

As India's leading strategic philanthropy foundation Dasra actively shapes the process of social change by forming powerful partnerships with funders and social enterprises. Since the last 15 years Dasra has been working towards building a 'thriving ecosystem' that enables knowledge creation capacity building strategic funding and collaboration in order to touch and transform the lives of 800 million Indians.

Type: Foundation Geography: India Impact: Access to Financial Services

Investor

Echoing Green


United States of America

Echoing Green unleashes next generation talent to solve the world's biggest problems. They believe positive change is only possible when you live boldly, taking responsibility for finding your unique role in making the world a better place.

Type: Foundation Geography: Americas Impact: Access to Financial Services

Investor

Endeavor Global


United States of America

Endeavor is the only non-profit that supports high-impact entrepreneurs in emerging markets. Their "mentor capitalist" model breaks down economic and cultural barriers to entrepreneurship through advising from their network of world-class business leaders.

Type: Accelerator/Incubator Geography: Global Impact: Income/Productivity Growth

Investor

Fast Forward


United States of America

Fast Forward accelerates technology nonprofits via a flagship accelerator program and Tech for Good initiatives. Fast Forward flagship accelerator program is designed exclusively for nonprofits using technology to improve the world via innovations in health, human rights, education, and the environment. Organizations receive seed funding to support early growth, a training program including speakers and mentors, and a Demo Day in San Francisco to connect with philanthropists and foundations.

Type: Accelerator/Incubator Geography: Africa Impact: Access to Financial Services

Investor

Fledge


United States of America

Fledge is the conscious company accelerator, educating, guiding, and mentoring mission-driven for-profit startups from around the world. Founded in 2013, Fledge has completed six sessions of its 10 week accelerator program, graduating 39 “fledglings”. Fledge operates inside Impact Hub Seattle in Seattle, Washington.

Type: Accelerator/Incubator Geography: Global Impact:

Investor

Generation Enterprise


United States of America

Generation Enterprise is a youth-led network of small business incubators and community hubs that equip street youth to leave life on the streets, start sustainable businesses, and create jobs. Each site acts as an engine of economic development, integrating so-called "unemployable" young people into the formal economy as entrepreneurs, employers, and community leaders.

Type: Accelerator/Incubator Geography: India Impact: Access to Financial Services

Investor

Global Catalyst Initiative


Canada

Global Catalyst Initiative help social ventures get from their initial “pilot” to “proof of concept”. Funding range: $1-$40000.

Type: Accelerator/Incubator Geography: Global Impact: Community Development

Investor

Global Good Fund


United States of America

The Global Good Fund accelerates the development of high potential young leaders tackling the world’s greatest social issues. GGF achieve this by investing both human and financial capital in promising young leaders through their fellowship program. Fellows are paired with seasoned executives who serve as coaches, which is central to our leadership philosophy. The energy of the young leader, guided by the expertise of an experienced executive, becomes a powerful force for good in the world.

Type: Accelerator/Incubator Geography: Africa Impact: Access to Financial Services

Investor

Global Social Benefit Institute (GSBI)


United States of America

GSBI Online is a 6-month mentored program for early-stage social entrepreneurs. It is designed to improve your business model and growth strategy, create your business plan, and test assumptions. You get a viable strategy for growing your enterprise in a financially sustainable manner with a validated business model.

Type: Accelerator/Incubator Geography: United States of America Impact: Access to Financial Services

Investor

Groundwork Labs


United States of America

Groundwork Labs is a community for selected entrepreneurs to test their idea and get expert guidance before they take their next step, whether that be bootstrapping their company to revenue, getting their first round of funding, or gaining admission to an accelerator.

Type: Accelerator/Incubator Geography: Global Impact: Income/Productivity Growth

Investor

GrowLab


Canada

GrowLab is a Vancouver-based startup accelerator that helps entrepreneurs build great companies through seed funding, mentorship, collaborative workspace and 3 months of intensive programming. GrowLab brings together the best and brightest entrepreneurs from the world and connect them with our global network of top tier investors, mentors and partners. Initial investment:-$20,000.

Type: Accelerator/Incubator Geography: Global Impact: Income/Productivity Growth

Investor

GSF


India

GSF is India's first major startup accelerator, built up of 200 investors and 17 entrepreneurs in residence worldwide. International partners include Seedcamp and Dave McClure’s 500 Startups. GSF's mission is to spur frugal innovation for the world by drawing upon the immense potential of technology and human creativity.

Type: Accelerator/Incubator Geography: India Impact: Access to Financial Services

Investor

HUB Vienna Incubation


Austria

Impact Hub Vienna is a place that inspires and supports new solutions for the world’s pressing issues. Located in a beautiful loft in the heart of the city, connecting a network of people, organizations and places dedicated to driving positive change, filled with all the tools and trimmings needed to realize impactful ideas and develop ventures – simply a resourceful place for people who want to make a difference to work, meet, learn, connect.

Type: Accelerator/Incubator Geography: Global Impact: Income/Productivity Growth

Investor

i3 Latam


i3 Latam is the initiative of the Swiss Agency for Development and Cooperation, Ashoka, Hystra and New Ventures Mexico, closes its call on 15 June 2014. The program looks at the top 10 social entrepreneurs in Latin America, based on its high impact and trajectory to link them with the best opportunities, support them to structure their strategic plan, its impact catalyze and turn them into success stories in the region.

Type: Accelerator/Incubator Geography: Latin America and the Caribbean Impact: Capacity Building

Investor

IDEX


United States of America

IDEX values diversity and passion. They believe the unique perspectives and experiences of each fellow leads to greater impact in the field. As a non-profit, they partner with enterprises, corporations, foundations, institutions and individuals that support our efforts to make early-stage investments in people.

Type: Accelerator/Incubator Geography: Americas Impact: Agricultural Productivity

Investor

Impact Amplifier


South Africa

Impact Amplifier is an investment, supplier development and sustainability advisory firm whose mission is to accelerate the growth and capital provision of high impact, innovative businesses in Africa.

Type: Accelerator/Incubator Geography: Africa Impact: Community Development

Investor

Impact Lab


United Kingdom of Great Britai

Impact Lab is committed to supporting entrepreneurs whose ventures address societal, environmental or economic challenges. Impact Lab structured mentoring programme offers groups of corporate professionals the opportunity to collaborate with selected entrepreneurs in order to build their social ventures.

Type: Foundation Geography: United Kingdom of Great Britain and Impact: Access to Information

Investor

Invest2Innovate


United States of America

Invest2Innovate supports early-stage enterprises and the broader entrepreneurship ecosystem in untapped developing markets. They have been working in Pakistan since 2011, and plan to scale to other markets in 2015. i2i finds, vets and selects young entrepreneurs for the i2i Accelerator, a four month program that provides business support, mentorship and access to i2i Angels, their angel investor community. By supporting entrepreneurs, engaging mentors & investors, and partnering with local stakeholders, they are working to build a better enabling environment in Pakistan to encourage investment & entrepreneurship, as well as foster economic growth and positive social change in the country.

Type: Accelerator/Incubator Geography: Asia Impact: Access to Financial Services

Investor

Investment Ready Program


Netherlands

The Investment Ready Program is an accelerator program for social entrepreneurs from Central and Eastern Europe (CEE) and aims to advance social entrepreneurship through capacity building and catalyzing investment into the sector. Investment range: EUR 50,000 - 500,000.

Type: Accelerator/Incubator Geography: Global Impact: Income/Productivity Growth

Investor

iStarter


Italy

iStarter is an innovative business incubator/accelerator that provides cutting-edge coaching to startuppers through its unrivalled network of partners and senior advisors. They strive to connect ideas with high potential to the global market for opportunities and investments.

Type: Accelerator/Incubator Geography: Global Impact: Income/Productivity Growth

Investor

Jacobs Center for Neighborhood Innovation


United States of America

Founded in 1995, JCNI is an operating nonprofit foundation that works in partnership with the Jacobs Family Foundation and residents of San Diego's Diamond Neighborhoods to build a stronger community through entrepreneurial projects, hands-on learning relationships, and the creative investment of resources. JCNI helps attract and leverage investment while working with residents to build the capacity of individuals, families, and their communities.

Type: Foundation Geography: Americas Impact: Access to Financial Services

Investor

Launch


LAUNCH is a global initiative to identify and support the innovative work poised to contribute to a sustainable future and accelerate solutions to meet urgent challenges facing our society. NASA, USAID, Department of State, and NIKE joined together to form LAUNCH in early 2010 in an effort to identify, showcase and support innovative approaches to global challenges through a series of forums. LAUNCH searches for visionaries, whose world-class ideas, technologies or programs show great promise for making tangible impacts on society.

Type: Accelerator/Incubator Geography: Global Impact: Capacity Building

Investor

Malaysian Global Innovation & Creativity Centre (M


Malaysia

MaGIC was first announced in October 2013 by the most honourable Prime Minister YAB Dato’ Sri Mohd Najib Bin Tun Abdul Razak during the 4th Global Entrepreneurship Summit held in Kuala Lumpur. Cyberjaya plays home to the Centre as it is progressively becoming the preferred location for the technology-driven startup community. In April 2014, Cheryl Yeoh was appointed as MaGIC’s first CEO. Cheryl had spent the past 12 years in the United States of America and most recently in Silicon Valley where her company, Reclip.It was acquired by Walmart Labs in 2013. With her experience and a strong portfolio, Cheryl will lead MaGIC to spur entrepreneurial activities in Malaysia and serve local startups.

Type: Accelerator/Incubator Geography: Malaysia Impact: Capacity Building

Investor

Mentor Capital Network


United States of America

Mentor Capital Network (formerly the William James Foundation) strengthens the social enterprise community, champions triple bottom line values and leverages the success of mentors to forge new successes. MCN manages socially responsible business plan competitions, which: * Provide sustainable entrepreneurs with detailed and constructive feedback, and a chance at more than $100,000 worth of in-kind prizes and cash. * Offer our mentors an opportunity to use their lifetime of experience to supports projects they find personally meaningful in a way that taps their interest and respects their schedule. * Allow our sponsors to become part of a conversation with the next generation of sustainable entrepreneurs and leading figures in the areas of socially responsible finance, academia, management, and entrepreneurship.

Type: Foundation Geography: Americas Impact: Access to Financial Services

Investor

NESsT


United States of America

NESsT develops sustainable social enterprises that solve critical social problems in emerging market economies. Invested to date: US $8.090M.

Type: Accelerator/Incubator Geography: Global Impact: Income/Productivity Growth

Investor

New Ventures Mexico


Mexico

New Ventures MAxico promotes sustainable growth in MAxico by supporting and accelerating the transfer of capital to businesses that deliver social and environmental benefits.

Type: Investor Network Geography: Mexico Impact: Access to Financial Services

Investor

NXTP Labs


Argentina

NXTP Labs is the most active early stage fund for tech companies in Latin America. A powerful network for entrepreneurs, investors, executives and organizations who believe in building the best ventures with global impact. Acceleration and growth are part of the DNA.

Type: Accelerator/Incubator Geography: Global Impact: Income/Productivity Growth

Investor

Pears Innovation for International Development Pro


The Pears Challenge, sponsored by the Pears Foundation and administered by the Pears Program for Global Innovation, identifies and supports outstanding entrepreneurs with ideas or early stage ventures addressing critical challenges of developing countries in areas such as health, education, agriculture, water, energy and ICT, giving them a unique opportunity to take their ventures to the next level.

Type: Accelerator/Incubator Geography: Global Impact: Community Development

Investor

Pipa


Brazil

Pipa's goal is to train entrepreneurs who really have a strong commitment to build business with a positive impact in the world. Pipa do this through the combined knowledge, network and years of experience in strategy, marketing, technology, branding and other areas.

Type: Accelerator/Incubator Geography: Global Impact: Income/Productivity Growth

Investor

Queen City Forward


United States of America

Queen City Forward provides a hub for entrepreneurs who have business ideas that address social needs and work to balance a triple-bottom-line of people, planet and profit. They encourage, enable and scale these social enterprises to create a robust cluster of innovation in the Charlotte region.

Type: Accelerator/Incubator Geography: Northern America Impact: Capacity Building

Investor

Radius SFU


Canada

RADIUS is a social innovation lab and venture incubator housed at the Beedie School of Business, Simon Fraser University. RADIUS are passionate about finding innovative solutions to pressing social problems, nurturing young leaders capable of tackling an increasingly complex set of local and global challenges, and rethinking the potential for business and business education to be a powerful contributor to a better world.

Type: Accelerator/Incubator Geography: Africa Impact: Access to Information

Investor

Seeds of Peace


United States of America

Seeds of Peace inspires and cultivates new generations of global leaders in communities divided by conflict. They equip them with the skills and relationships they need to accelerate social, economic, and political changes essential for peace.

Type: Accelerator/Incubator Geography: Afghanistan Impact: Access to Education

Investor

SFUN Cube


United States of America

Powerhouse (formerly SfunCube) is the world’s only incubator and accelerator dedicated to solar. Through the acceleration of solar start-ups, the SfunCube is making Oakland, California the world’s epicenter for solar entrepreneurship. Entrepreneurs working to spread solar with smart software solutions and business models utilizing IT, mobile applications, and social media are recruited, housed, and given the resources to scale. The SfunCube unites solar entrepreneurs, advisors, and investors, making Jack London Square a solar-powered hub of innovation and job creation.

Type: Accelerator/Incubator Geography: Global Impact: Access to Energy

Investor

StartupYard


Czech Republic

StartupYard is a seed accelerator for technology startups. Its goal is to help companies build viable products, launch fast and successfully raise capital. It follows the philosophy, methodology, and standard of world-class accelerators such as Y Combinator or TechStars.

Type: Accelerator/Incubator Geography: Europe Impact: Access to Financial Services

Investor

THNK School of Creative Leadership


Netherlands

THNK is a C-School, gathering some of the world’s most dynamic leaders for truly creative discoveries to address the world’s pressing and inspiring challenges. THNK focus on scalable action built on top of ideation and analysis. Using a blended model, they engage people who want to achieve mastery in implementing collaborative solutions. They believe in peer-to-peer learning, a rapid freeing-up of entrenched limitations, and infinite growth. THNK combine financial, infrastructure, and intellectual resources in unexpected ways to co-create a better world.

Type: Accelerator/Incubator Geography: Africa Impact: Access to Education

Investor

Toniic


US

Toniic is a global network of action-oriented impact investors, both individuals and institutions. They increase the velocity of money and services into impact investing to address global challenges. Their members commit to discover, evaluate, nurture and invest in entrepreneurs, enterprises and funds that promote a just and sustainable economy.

Type: Investor Network Geography: United States of America Impact: Access to Financial Services

Investor

Transformative Action Institute


The Transformative Action Institute (TAI) creates and uses innovative activities, exercises, and models to help individuals and organizations lead bold personal and social transformation. The Transformative Action Institute core is a new model for change called “transformative action”, which is based in the latest scientific research on what works when people want to change their lives and change the world.

Type: Accelerator/Incubator Geography: United States of America Impact: Capacity Building

Investor

UnLtd India


India

UnLtd India finds, funds and supports start-up social entrepreneurs - individuals with the ideas, passion and entrepreneurial skills to bring about lasting social change in India. The organisation operates out of Mumbai and works in conjunction with the Social Entrepreneurs' Trust, its fundraising arm in the UK.

Type: Investment Fund Manager Geography: Global Impact: Income/Productivity Growth

Investor

Unreasonable East Africa


Uganda

The Unreasonable East Africa Institute gives an “unreasonable advantage” to entrepreneurs creating solutions to the East Africa’s biggest social and environmental problems. These entrepreneurs aim to make an out-sized impact, often with a tiny amount of resources. They have bold visions, but they face tough odds — as they know most startups fail within a year or two. To give them an unreasonable advantage to beat these odds, Unreasonable East Africa bring these entrepreneurs together to live under the same roof for 5 weeks, where they connect with world class mentors, are surrounded by a dense concentration of capital sources and are backed by lasting global network of support.

Type: Accelerator/Incubator Geography: Eastern Africa Impact: Capacity Building

Investor

Unreasonable Institute


United States of America

Unreasonable Institute is dedicated to tackling the world’s biggest problems by arming entrepreneurs who can take them on with the mentorship, capital, and lasting, robust network to make it happen. They do this by running multi-week, in person acceleration programs in Boulder, CO, USA; Kampala, Uganda; and Aguascalientes, Mexico (with more locations to launch soon).

Type: Accelerator/Incubator Geography: Global Impact:

Investor

Unreasonable Mexico


Mexico

Unreasonable Mexico in support entrepreneurs solving the most pressing social problems in Mexico. about fifteen carefully selected entrepreneurs and bring them to live for 5 weeks at the same house. There live and work with more than 50 mentors and investors, develop skills and have access to incredible resources and reach a community of other "misfits" working to change their environment through sustainable and scalable models business.

Type: Accelerator/Incubator Geography: Mexico Impact: Capacity Building

Investor

Venture Greenhouse


United States of America

Venture Greenhouse is an established Marin-based business accelerater, helping promising entrepreneurs from the North Bay and Greater Bay Areas launch and scale businesses that will make a significant disruptive impact on their chosen industry and market. Their mission is to accelerate the success of environmentally and socially beneficial ventures by providing a broad array of resources to entrepreneurs from Dominican University of California and beyond.

Type: Geography: Northern America Impact: Access to Information

Investor

VentureWell


United States of America

Venture Well provides venture development support and seed investment to entrepreneurs creating scalable market oriented solutions to social and environmental problems.

Type: Investor Network Geography: United States of America Impact: Access to Education

Investor

Villgro


India

Villgro envision that once a model is established to transform innovative ideas into reality, a virtuous cycle will set in naturally, encouraging further innovation and wealth creation in rural areas. It is thriving eco-system that inspires, recognizes, nurtures and transforms innovation and enterprises to impact lives. They believe it is possible because India is the world's largest democracy and is globally recognized for its intellect and scientific temper. It has an active private sector, a free and vigilant media and a bold and growing middle class.

Type: Accelerator/Incubator Geography: India Impact: Access to Education

Investor

Yunus Social Business


Albania

YSB was co founded by Peace Nobel Laureate Professor Muhammad Yunus Saskia Bruysten and Sophie Eisenmann. The company was spun off from The Grameen Creative Lab (GCL) in 2011 to focus on accelerating and financing social businesses. YSB is active in seven countries where local country teams source coach and mentor entrepreneurs to build solutions from the ground up. YSB subsequently finances the most promising social businesses while also providing post investment support. In doing so YSB grows business that matter.

Type: Accelerator/Incubator Geography: Albania Impact: Access to Financial Services

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