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Financial Inclusion – Includes financial return

Assets under management of investments in inclusive finance have grown over the last decade to US$ 502 billion, according to a study by GIIN. Once coined as ‘impact investing’ in 2007 by The Rockefeller Foundation, investments that aim to deliver both a financial and a social return are on the rise. Another, more recent, description of investments aiming to generate both financial and social return is ‘financial inclusion’. According to the World Bank, financial inclusion aims to provide individuals and businesses access to useful and affordable financial products and services in a responsible and sustainable way.

Most often, these financial services are provided in emerging and frontier markets where, according to the Principles for Investors in Inclusive Finance, two billion adults are excluded from formal financial services. Alongside, the World Bank identified financial inclusion to enable seven of the 17 social development goals as defined by the United Nations.
Besides acknowledging the social impact, financial return can’t be neglected to efficiently deploy money as a tool to improve the lives of billions of people in rural and underbanked areas in developing countries.

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In 2018, we anticipated disruptive effects as of 2020. This trend did prove to bring investments opportunities and resulted in sharply lower valuations for traditional fossil fuel related sectors.

Drivers of energy transition & Disruption
The planet and hence humanity is under threat from severe climate change due to rapidly growing concentrations of greenhouse gasses (GHG’s). The threshold of the atmosphere is 450 ppm beyond which Greenland’s and Antarctic ice will melt, changing sea-level and weather patterns in giant proportions, with devastating economic and social consequences. Current CO2 levels hoover between 410-415 ppm and growth is about 3-5 ppm annually1. The earth can absorb around 50% of the CO2 produced 40 Gigaton in 2019, 80% fossil fuels.

Read more about energy transition