I know that I take for granted that I am able to perform financial transactions, around the world via a multitude of channels, essentially any time I want. In fact, only because of my lifestyle, my biggest headache comes from a banking system in the US that often flags my non-US transactions as suspect for fraud.  Today's episode is about how we can take a look at individuals and businesses on the other side of that coin (yes, another wonderful pun). I'm referring to the vast majority of people who operate exclusively with cash, are unbanked and have little of any real access to credit. These individuals are not included in the efficiencies and benefits of the digital economy, and the gap only gets more difficult to bridge as time presses on.  My guest for today's 167th Terms of Reference Podcast is Badal Malick. Nadal is the CEO of Catalyst, an organization focused on helping India's small businesses and low income consumers unlock the power of digital payments to gain access to broader financial services and create opportunities vital to their future prosperity.  This is a fantastic discussion about financial inclusion where we cover both the size and chicken-and-egg nature of the problem, the 4 part solution Catalyst is implementing, Why financial inclusion is a potential game changer for so many and much more.

TOR167: A Strategy For Digital Financial Inclusion with Badal Malick of Catalyst

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You cannot live in today's world without being witness to the power of networks. Networks are all around us and constantly influence us in ways both conscious and subconscious. Immediate family and close friends, global-reaching social networks, professional networks, passion networks... the list of all the networks you're connected to gos on and on and overlaps and intersects in ways that solve problems, create opportunities and catch us in moments of incredible serendipity.  So, as you might guess, networks are a powerful tool for the social sector.    My guest for the 180th Terms of Reference Podcast, is exceedingly passionate about networks. Sara Farley is the Chief Operating Officer and Co-Founder of the Global Knowledge Initiative, an organization that builds purpose-driven networks to deliver innovative solutions to the world’s most pressing problems.  You're going to love this conversation about how networks can be leveraged to locate resources, enable collaboration, connect participants and, ultimately, find solutions to problems.

TOR180: The Global Knowledge Initiative with Sara Farley

I take for granted that I can walk away from my microphone right now, head over to my kitchen and turn on my stove to boil water, bake a cake or cook myself a meal. And, I don't even think about the fact that I have hot water available on demand at any time of the day. I just turn on the tap and its there. This is not the case for millions and millions of people throughout the world. In fact, there is a huge portion of the human population that still relies on burning wood, or charcoal, for cooking and cleaning. This dependence is a massive time suck away from other productive tasks and, as we've heard on other episodes, a considerable health risk. My guest for the 179th Terms of Reference Podcast has a better idea that he hopes will end the use of charcoal. Dr. Sebastian Rodriguez-Sanchez is the CEO and Co-Founder of KopaGas, a technology solutions provider of Advanced Metering Infrastructure for energy utilities. KopaGas has developed and deployed the first commercial pay-as-you-cook platform for propane. I'm positive you'll love this episode where Sebastian and I discuss why propane is a powerful replacement for charcoal, how he company sell and manages their smart meter system, what it takes for a family to make the change to gas and much more.

TOR179: KopaGas with Dr. Sebastian Rodriguez-Sanchez

Even though we work on hundreds of different issues across a similarly diverse group of settings, I think the argument could be made that the work of the social sector is ultimately focused on creating a world where all humans have equal opportunity to flourish. This is at the base of what we’re doing with programing that seeks to improve financial systems, agricultural practices, environmental protections, health systems and education. And, one of the things we know, unequivocally, is that women have received the short end of the stick, almost no matter how you measure it. Here’s the thing: marginalization of women doesn’t just happen in traditional development settings. It’s alive and well in the US, Europe… and, well, every other leading economy on the planet. This is why I’m especially pleased to have Claire Wasserman as my guest for the 178th Terms of Reference Podcast. Claire is the founder of Ladies Get Paid - an organization focused, currently, on empowering women in the workplace. As you’ll hear in the show, I found Claire when seeking to learn more about Red Bull Amaphiko, where she is the Deputy US editor. Red Bull Amaphiko is a is a collaborative platform for social entrepreneurs that is sponsored by the energy drink company of the same name. But our conversation quickly turns to how Ladies Get Paid was founded and has quickly expanded into a phenomenon of 10,000 women... and growing. You're going to love this show where we talk about women rising up to get what they deserve, and how one woman has made the leap to be a leader in that movement.

TOR178 - Ladies Get Paid and Red Bull Amaphiko with Claire Wasserman

If you're an ideas person, no matter what your field or expertise, there is nothing I can think of that is more attractive than a clear, tangible problem in need of a solution. As much as we hate to admit it in the social sector, these types of problems are not terribly common and they are almost never the lowest hanging fruit in a given situation.  But in those instances where clear problems in need of solutions are identified, the next most attractive thing to an innovator is funding to play with. I mean that in the most generous way of course, given that, at the end of the day, we don't just want to play, we want to find answers.  As I think you'll agree after listening to today's 177th episode of the Terms of Reference Podcast, my guest, Troy Etulain, has a job that seems quite a bit more play than work. He's the project director of FHI360s Mobile Solutions Technical Assistance and Research project, or mSTAR for short, and he's also the head of FHI's digital development unit.  While again, Troy doesn't just have funding to play with, he does oversee a mechanism that is built to identify clear problems and then take action to find potential solutions. We talk about wifi that covers 50 kilometers, financial technologies that are increasing inclusion, the new business models that are driving rural mobile network development, mapping the unconnected areas of the world... and much more.

TOR177 - The mSTAR project with Troy Etulain of FHI360

The International Rescue Committee is a well known force in humanitarian aid. As the organization has continued to evolve since 1933, they have literally written the book, multiple times, on how to best serve those in need.  My guest for today's 176th Terms of Reference Podcast is Jodi Nelson who is IRC's Senior Vice President, Policy and Practice. Jodi has overall strategic and operational responsibility for IRC program technical units – including Research and Evaluation and Global Advocacy and Strategic Communications. And, for long time listeners, you already know all this as she was also a guest way back in 2014 on show number 33.  What I love about this conversation is its focus on how IRC is innovating through three specific lenses: First how do we get get enough of the right aid to the right people, second, how do we shift from planning the help the social sector delivers in terms of activities, to one of outcomes and finally, how do we ensure programming is designed based on the best available evidence rather than inertia and antidote?

TOR167: A Strategy For Digital Financial Inclusion with Badal Malick of Catalyst

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