Exchange to Change Sept 2017 20170911 E2C zomer web | Page 20

20 alumni
Ana Irys De Menezes Silva GOV 2013-14 | Brazil
Where do you work ? I am an economist focused on the challenges of climate change to well-being , and an entrepreneur excited about digital services for financial inclusion . I am a Co- Founder of CloQ and currently a Chevening Awardee at the University of East Anglia , UK . CloQ is a fintech startup with the mission of simplifying financial inclusion to the low-income population of developing countries and reducing financial vulnerability . Our objective is to provide efficient , cheaper and easily accessible formal credit for the low-income population , including the unbanked , based on concepts of microcredit . We are creating a mobile-only application which is especially designed to be easily accessible and will allow consumers to request and receive loans within minutes at any time .
How did IOB experience affect your life / career ? IOB positively influenced my career path and life on many fronts . Firstly , it enabled me to access first-class research on development issues , which gave me the strong academic foundation necessary to venture financial solutions for development . Secondly , I benefited from the exchange of ideas with inspiring professors and colleagues , which sharpened my critical view and career aspirations . Finally , my period at IOB was a life-changing opportunity to be exposed to many cultures and backgrounds ; and to learn from and be friends with talented professionals from all over the world .
If you were the director of a research fund , what is a research question that you would agree to finance ? Economic vulnerability is an issue that is very close to my heart and to which , I believe , more efforts should be directed . Vulnerability , as an aggregate of exposure , hazard and intensity , inhibits talents and damages the economic prospects of poor families . Many are the sources of vulnerability , for instance financial exclusion , environmental threats , and so forth . Therefore , providing solutions to enable vulnerable populations to become actors of change themselves should be every society ’ s top priority . Efforts to reduce vulnerability are crucial to ensure that future generations will be able to identify , express and make use of their talents , regardless of where they come from .
Exchange to change September 2017
20 a l umni Ana Irys De Menezes Silva GOV 2013-14| Brazil Where do you work? I am an economist focused on the challenges of climate change to well-being, and an entrepreneur excited about digital services for financial inclusion. I am a Co- Founder of CloQ and currently a Chevening Awardee at the University of East Anglia, UK. CloQ is a fintech startup with the mission of simplifying financial inclusion to the low-income population of developing countries and reducing financi [��[�\�X�[]K��\�ؚ�X�]�H\���ݚYHY��X�Y[� ��X\\�[�X\�[HX��\��X�H�ܛX[ܙY]�܈B���Z[���YH�[][ۋ[��Y[��H[��[��Y ��\�Yۈ�ۘ�\�وZXܛ�ܙY] ��H\�HܙX][��B�[ؚ[K[ۛH\X�][ۈ�X�\�\�X�X[H\�YۙY˜�HX\�[HX��\��X�H[��[[���ۜ�[Y\����\]Y\�[��X�Z]�B��[���][�Z[�]\�][�H[YK����YSЈ^\�Y[��HY��X�[�\�Y�K��\�Y\��SЈ��]]�[B�[��Y[��Y^H�\�Y\�][�Y�HۈX[�H��۝ˈ�\��K][�X�Y�YH�X��\���\�� X�\���\�X\��ۈ]�[�Y[�\��Y\��X��]�B�YHH��ۙ�X�Y[ZX���[�][ۈ�X�\��\�H��[�\�H�[�[��X[���][ۜ��܈]�[�Y[� ��X�ۙKH�[�Y�]Y���HH^�[��B�وYX\��][��\�[���ٙ\��ܜ�[���XY�Y\��X��\�[�Y�^Hܚ]X�[�Y]�[��\�Y\�\�\�][ۜˈ�[�[K^H\�[�]SЂ��\�HY�KX�[��[���ܝ[�]H��H^��Y�X[�H�[\�\˜[��X��ܛ�[���[��X\�����H[��H��Y[���][[�Y��ٙ\��[ۘ[����H[ݙ\�H�ܛ ��Y�[�H�\�HH\�X�܈وH�\�X\���[� �]\�H�\�X\���]Y\�[ۈ][�H��[YܙYH��[�[��O‘X�ۛ�ZX��[�\�X�[]H\�[�\��YH]\��\�H���H�^HX\�[����X� H�[Y]�K[ܙHY��ܝ���[�H\�X�Y ��[�\�X�[]K�\�[�Y�ܙY�]Hو^��\�K^�\�[�[�[��]K[�X�]�[[�˜[�[XY�\�HX�ۛ�ZX����X��و�܈�[Z[Y\ˈX[�B�\�HH��\��\�و�[�\�X�[]K�܈[��[��H�[�[��X[^�\�[ۋ�[��\�ۛY[�[�X]�[����ܝ �\�Y�ܙK�ݚY[����][ۜ�[�X�H�[�\�X�H�[][ۜ���X��YHX�ܜ�و�[��B�[\�[�\���[�H]�\�H���Y]x�&\���[ܚ]K�Y��ܝ���YX�B��[�\�X�[]H\�HܝX�X[�[��\�H]�]\�H�[�\�][ۜ��[�HX�B��Y[�Y�K^�\��[�XZ�H\�HوZ\�[[���Y�\�\��و�\�B�^H��YH���K��H�[��H��[��H�\[X�\� � M