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Explain how microfinancing and fair trade fit with the sustainability developement goals

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Zara -Evaluate how microfunding and fair trade fit with the SDG’s

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Zara -Evaluate how microfunding and fair trade fit with the SDG’s

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Microfinancing
Is a lending scheme which aims to reduce poverty, adress social issues including gender discimination and enable market access for the poor.
Fair Trade
Is a trade that attempts to be scoially, economically and environmentally responsible.
Sustainable development goals
The UN SDGs were agreed in 2016 althout they are still subject to refinement and improvement as data and methods improve. There are 17 goals and a number of sub goals
Advantages on how they fit
Microfinancing -
goal 1 - helps us try to surcumb poverty
Goal 5 - by having women as the focus this helps encourage gender equality
Goal 4 -  teaching through groups also provdies some sort of education to people who are most likely uneducated
Goal 8 - helps increase the economy as more people are working better jobs which pay more and help the GDP grow, Also allows more job oppertunities which are less industrial or dangerous to previous jobs with better conditions
Goal 9 - allows for people to become more creative and innovative helpting them improve their lifestyle and earn more money which later on improves imfrastructure
Goal 16 - allows communities to develop and live in peace whilst having their own businesses and being self beneficial without relying on other people

Fair trade:
Goal 8 - Decent work and economic growth as people are being paid the price that it takes them to plant, therefore making a break-even return and profits
Goal 10 - Reduced inequalities as HIC’s are paying LIC’s the correct price instead of expliting their resources and employers for an unfair price + minimum of minimum wage
Goal 11 - Makes cities sustainable as they can grow more environmentally friendly and be more reliable suppliers  + reduce child labour
Goal 12 - producing sustainabilly and consuming from exploitation and insufficient amount of moneycd

Limitations on how they don’t fit the SDG’s
Microfinancing:
Goal 1 - increase poverty as the interest rates are higher thancommercial banks - but lower than loan sharks so could lead to an increase in debts
Goal 5 - Argued that it is a tool to subjugate and discipline women and in Bangladesh women do not control their own resources, therefore has not empowered or transformed women’s role
Goal 9- Not all people know how to be entrepreneurs so loans may be wasted
Goal 10 + 8 - some loans are used for food or health rather than starting or improving businesses

Fair trade
Goal 8 - Very high fees for the organisation to be certified as fair trade which for local entrepreneurs may be unreachable + unemployment due to the inibility to qualify for the requirements
Goal 10 little accountability on producers to cut fown on abusive labor practices such as as slavery and child labour as there is no central authority in place
Goal 1 - Standards of community development have lapsed over the years as the fair trade model as been accused of manipulation and distorting the global economy but in some cases, the poorest workers and farmers are priced out by the system. This may drive certain workers out of business- contrary to the models purpose
Goal 11 - sustainable growth requires investment in roads, electricity, reducing tariff barriers and export subsideries and creating political and economic stability whilst raising education levels - yet many developping countries don’t have the funds to become this sustainable

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Explain how microfinancing and fair trade fit with the sustainability developement goals

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Evaluate how micro-financing and fair trade fit with the sustainability goals by looking into their aims and goals.
Micro-financing:
Provides financial services to the poorest of the poor
Aiming to let the poor access to capital; gives give clients just enough money to get their idea off the ground so they can begin turning a profit. (Entrepreneurship)
Furthermore, improve living standards by giving impoverished people enough financial stability to move from simply surviving to accruing savings.
Microfinance provides women with the financial backing they need to start business ventures and actively participate in the economy. The aim is to improve their status and make them more active in decision-making, thus encouraging gender equality.
Fulfils goal 1,2, 4, 5, 8, 9 ,10, 11, 12, 17

Fair trade
Fair trade is a foundation whose stated goal is to help producers in developing countries achieve better trading conditions. Members of the movement advocate the payment of higher prices to exporters, as well as improved social and environmental standards.

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William - Explain how micro financing and fair trade fit with the sustainability development goals

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William - Explain how micro financing and fair trade fit with the sustainability development goals

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Micro financing
- Micro financing has a big impact towards the first SDG which is "No Poverty" because the aim of Micro-financing is to improve the living standards for many poor people, by helping them start businesses which would generate comfort for their family and to climb out of poverty.
- Not only does micro-financing give a positive impact towards the first SDG, but also in 4, 7, 8, 9, 11

Fair trade
-  Fair trade has a big role in many SDGs, tackling multiple SDGs such as, Climate action, sustainable cities and communities and life on land

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Explain how microfinancing and fair trade fit with the sustainability developement goals - Nicole

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Explain how microfinancing and fair trade fit with the sustainability developement goals - Nicole

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Micro-financing:
It is also known as, micro-credit. A financial service that provides loans, savings and insurances to small business owners (often the poor). As these entrepneurs do not have the access to banks or investors, microfinancing is able to provide money and invest in their businesses.

How it fits into the SDGs:
- Reduce poverty
- Address to social issues (gender inequality)
- Provide job or work opportunties for the poor (provide loans)

Fair trade:

How it fits into the SDGs:

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Suggest how micro financing and fair trade fit with the sustainable development goals?-Mark

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Suggest how micro financing and fair trade fit with the sustainable development goals?-Mark

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Both micro financing and fair trade would fit with the sustainable development goals as micro financing produces financial services to the poor so that the people can start businesses and can generate income for families. this wold help solve the issue of poverty (SDG 1) and allow decent work and economic growth.(SDG 8) Micromanagement also borrows money to women, with 90% of it's borrowers women, would allow the genders to be more equal (SDG 5)  economically. Furthermore, compared to lending money, micro credit would borrow money for development instead of consumption to ensure that the money would be put into the development of the people, allowing for a lasting change.

Fair trade fights for fair prices that would help support and develop the lives of the people, allowing the people's needs to be met without compromising the future-enabling communities to invest in education and therefore eventually increasing the development. Fair trade would achieve the sustainable development goals of no poverty (SDG 1), zero hunger(SDG 2), good health and well being (SDG 3), gender equality (SDG 5), decent work and economic growth (SDG 8), reduced inequalities (SDG 10), sustainable cities and communities( SDG 11), Responsible consumption and production (SDG 12) and climate action (SDG 13). Fair trade projects supports businesses and governments and inspires shoppers to think more about what they buy, allowing the seller to increase their profit and benefit from their earnings from the fair trade prices, making their lives more lively. This would support the workers to gain equality when farming and get more more money to spend which would support women, allowing them yo gain more independence
and therefore support the community and environment.

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Explain how microfinancing and fair trade fit with the Sustainable Development Goals. - Toby

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Explain how microfinancing and fair trade fit with the Sustainable Development Goals. - Toby

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Intro:
- Explain what microfinancing (extending small, interest-free/low-interest loans to help the poor develop in aspects of their lives) and fair trade (trade that promotes eco-friendly, wage-friendly and people-first policies) are.
- Briefly explain how they can help countries meet the Sustainable Development Goals (goals about a variety of topics set by the UN for all countries to meet)

3 examples:
1. The most obvious way microfinance can help countries reach SDGs would be through Goal 1 - Eliminate poverty
- The point of microfinance is to provide capital to help get poor people's lives off the ground.
- Talk about Hopeline Institute in Ghana, a microfinancing institution aimed at helping Ghanians out of poverty by teaching them lessons in business and savings, as well as by assisting them in other methods too.

2. Goal 5 - Promote taking action for climate change
- Fair trade helps create communities that can share knowledge in industries -> this can teach workers/farmers how to adapt and care for a changing environment (giving them both security and keeping their business environmentally friendly)
- Talk about UCA Soppexcca - a Nicaragua-based fair trade group for coffee farmers -> better practices in coffee farming has helped take care of the local land (very important in a agriculture-dominated country), which promotes eco-friendly practices

3. Goal 8 - Promote decent work and drive economic growth
- Both methods can help drive this goal
- Fair trade: gives workers a livable wage and other benefits that incentivise them to work
- Microfinancing: provides a hollistic approach to worker's/farmer's lives that help them get off the ground, and allow them to create local businesses that drive economic growth
- Bring up the example of Theresa - a coffee farmer from Nicaragua, who benefits from both of these methods

Conclusion:
- Sum up above points

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Explain how micro financing and fair trade functions with the Sustainable Development Goals- Ronan

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Explain how micro financing and fair trade functions with the Sustainable Development Goals- Ronan

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Fair trades helps focus on making business more sustainable not just economic but social and environmental as well.
Micro financing help fund these social projects.
AN EXAMPLE of this being decent work and economic growth, where companies such as Starbucks are champions of this feature, rather than just guaranteeing a good price for the farmers, they also work with social projects such as helping them with infrastructure of the farmers village-8. Whereas micro financing which can relate to Goal 1(getting people out of poverty), by help them get jobs (goal 8) or possibly with their children education (goal 4) which can also be helped through fair trade.
Fair trade is the organisation which help runs the projects, whereas micro financing looks at the funding and of the projects. Organisations from each both tie themselves strongly to the sustainable development goals as their targets

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Explain how micro financing and fair trade fit with the sustainability development goals - Alexander

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Explain how micro financing and fair trade fit with the sustainability development goals - Alexander

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The SDG's are for ensuring sustainable patterns of consumption and production by reducing inequality among countries, and even on tackling climate change.

Sustainable trade and the end-products therefore are fundamental to Fairtrade’s key messages and goals – particularly, improving the livelihoods of farmers and workers in the developing world.

Micro-financing goals: Eliminate poverty, focus on sustainable growth

Increase and improve the quality of education trough out the country.

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Explain how micro-financing and fair trade fit with the SDGs?
Micro-financing:
Goal 1: it get people out of poverty
Goal 4: it can increase the quality of education because people are making more money so they can send their kids to school, also learn about finances
Goal 5: gives women rights to have their own business and make their own money
Goal 8:  it allows the country to grow economical and develop
Goal 9: when people make more money the infrastructure of the industries improve
Goal

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Discuss how does micro financing and fair trade fit with the Sustainable Development Goals - jack

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Discuss how does micro financing and fair trade fit with the Sustainable Development Goals - jack

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YES
-micro-financing - provide low value loans to local entrepreneurs - can be linked to goal 8 and 5
- goal 8 as it will allow workers to find a decent job, as well as help the creation of grassroots firms
-goal 5 +goal 10 as it allows opportunities for woman to work, as traditionally woman cannot work, as they do not have permission as well as they do not have opportunity - micro-financing - fund woman to create business
- it may also fulfils goal 12 in a way as it promote the idea of sustainable development of the industry

NO
-it cannot address issues such as economic growth as even if it has lead to startups being more prominent, only small amounts of the startups will success and contribute to the GDP, therefore, it has a limited effect on the economic growth of the country.

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On Mei  (Evaluate)                         Micro-financing - borrow money to vulnerable individuals who are the poorest of the poor such as women and farmers to set up/improve business in order to improve living standard. It helps to eliminate poverty (SDG 1) by allowing the poor to live out of poverty cycle once they are able to start their business. Micro-financing focuses on empowering women that helps to reduce gender equality (SDG 5). By borrowing sufficient amount of loan to the women and training sessions on business management and savings, women no longer have to rely on man for a living once they receive revenue from the business they have set up that is supported from the loan. However, strict protocols and selections must be followed on whether who are most qualified to be granted for the loan. It is crucial to know what the loan is used for so to ensure that it is given to the most suitable individual who will be able to earn profits from their business. If the loan is granted to someone who used it for consumption, this won't help him/her to live out of the poverty cycle but will worsen the problem of poverty as they need to pay higher interests after consumption. 

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On Mei  (Evaluate)                         Micro-financing - borrow money to vulnerable individuals who are the poorest of the poor such as women and farmers to set up/improve business in order to improve living standard. It helps to eliminate poverty (SDG 1) by allowing the poor to live out of poverty cycle once they are able to start their business. Micro-financing focuses on empowering women that helps to reduce gender equality (SDG 5). By borrowing sufficient amount of loan to the women and training sessions on business management and savings, women no longer have to rely on man for a living once they receive revenue from the business they have set up that is supported from the loan. However, strict protocols and selections must be followed on whether who are most qualified to be granted for the loan. It is crucial to know what the loan is used for so to ensure that it is given to the most suitable individual who will be able to earn profits from their business. If the loan is granted to someone who used it for consumption, this won't help him/her to live out of the poverty cycle but will worsen the problem of poverty as they need to pay higher interests after consumption. 

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Fair-trade - work on projects to maintain sustainability of the society, environment and economy. It aims to ensure that producers in poor countries get a fair deal that includes a fair price of goods and services, decent working conditions and a commitment of buyers. (SDG 8 - promote sustainable economic growth)Farmers are benefitted from fair trade via the discussion on the improvement of strategies to boost productivity and to adapt to climate change in order to maintain high level of stability (SDG 12 - sustainable consumption and production). Farmers are also provided with small amounts of loans to maximise production and to sell good quality of products in order to earn the fair trade minimum prize that's enough to cover the cos and to earn potential profits. However, similar to the micro-financing, if the money borrowed isn't used wisely by the farmers, business may fail that ultimately leads to poverty  (SDG 1) and unsustainability of entrepreneurship (SDG 8 ).