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https://joinloop.one/read-blog/3

LIBÉRER LE POUVOIR DU CAPITAL SOCIAL POUR LES JEUNES ET LE DÉVELOPPEMENT COMMUNAUTAIRE

Par l'ingénieur. Chigozie Chukwuemeka Ononiwu

Le capital social, une ressource vitale pour bâtir des communautés plus fortes et plus résilientes, constitue l’épine dorsale du développement des jeunes et des communautés.

C'est le ciment qui unit les gens, favorise la collaboration et permet aux individus et aux groupes d'accéder aux ressources, au soutien et aux opportunités.

Dans cet article, nous approfondirons l'importance du capital social, ses avantages et les stratégies pratiques pour le cultiver et l'exploiter afin d'autonomiser les jeunes et les communautés.

1. Capital social de réseau : fait référence aux relations et aux réseaux au sein d'une communauté ou d'un groupe qui reposent sur une identité partagée, la confiance et la réciprocité.

2. Capital social de rapprochement : fait référence aux relations et aux réseaux qui relient les individus et les groupes d'origines, de cultures et d'identités différentes.

3. Capital social de liaison : fait référence aux relations et aux réseaux qui relient les individus et les groupes aux ressources, aux institutions et aux structures de pouvoir.

4. Capital social de confiance : fait référence à la confiance que les individus ont les uns envers les autres et envers les institutions.

5. Capital social de réciprocité : fait référence à l'échange de ressources, de soutien et de faveurs au sein d'une communauté ou d'un réseau.

6. Capital social informationnel : fait référence à l'accès et au partage de l'information au sein d'une communauté ou d'un réseau.

7. Capital social d'influence : fait référence à la capacité d'influencer les décisions et les résultats au sein d'une communauté ou d'un réseau.

8. Capital social de soutien social : fait référence au soutien émotionnel, financier et pratique fourni par une communauté ou un réseau.

9. Capital social culturel : fait référence aux valeurs, normes et pratiques partagées au sein d'une communauté ou d'un groupe.

10. Capital social cognitif : fait référence aux connaissances, attitudes et croyances partagées au sein d'une communauté ou d'un groupe.

Ces types de capital social peuvent aider les individus et les communautés à établir des relations plus solides, à accéder à des ressources et à du soutien et à atteindre leurs objectifs.

Le pouvoir du capital social : Pourquoi est-ce important.

- Renforce le lien social et la cohésion communautaire .

- Débloque l'accès aux ressources, au mentorat et aux opportunités.

- Favorise un sentiment d'appartenance et d'identité.

- Développe les compétences sociales et l'intelligence émotionnelle.

- Soutient les populations vulnérables et favorise l'inclusivité.

- Déclenche une action collective et génère un changement positif .

- Donne du pouvoir aux voix marginalisées et favorise la mobilité sociale.

- Stimule la croissance économique et le développement.

Cultiver le capital social : stratégies pour réussir

- Établir la confiance grâce à des initiatives communautaires et des espaces inclusifs .

- Établir des programmes de mentorat et des réseaux de soutien par les pairs.

- Favoriser la collaboration entre les organismes communautaires et les intervenants.

- Développer des programmes favorisant l'apprentissage socio-émotionnel et le développement des compétences.

- Soutenir les projets et initiatives menés par la communauté.

- Encourager la citoyenneté active et le volontariat.

- Tirer parti de la technologie pour connecter et mobiliser les communautés.

En reconnaissant le potentiel transformateur du capital social, nous pouvons créer un effet d’entraînement de changement positif qui résonne dans toutes nos communautés. Travaillons ensemble pour bâtir des communautés plus fortes et plus résilientes où les jeunes et les individus peuvent s'épanouir, grandir et atteindre leur plein potentiel.


Biographie de l'auteur :

Ingénieur. Chigozie Chukwuemeka Ononiwu est une professionnelle aux multiples facettes passionnée par l'innovation et le changement positif.

En tant qu'ingénieur et consultant TIC + énergies renouvelables, il possède une expertise dans l'exploitation de la technologie et des solutions énergétiques durables pour autonomiser les communautés.

Il est l'un des premiers Africains à devenir membre du Centre européen de l'énergie (M.E.E.C.), témoignage de son engagement envers l'excellence dans le domaine des énergies renouvelables.

Au-delà de son expertise technique, Engr. Ononiwu est un philanthrope et un entrepreneur en série avec un portefeuille diversifié d'entreprises dans les domaines des technologies financières, des technologies propres, des technologies profondes, des technologies agricoles, de la musique et bien plus encore. Il est le fondateur, président et directeur de l'innovation (CInO) de diverses sociétés basées en Europe, au Royaume-Uni, au Canada, au Nigéria et au Cameroun, notamment :

- SUREBANQA CORP.

- ALEERRO TECHNOLOGIES LIMITÉE.

- AFRINODE LTD.

- JIFFYMOBILE LIMITÉE.

- EMBEDDED FINANCE RAILS LTD.

- HÔTELS ZARACHELLIE LIMITÉE.

- DÉVELOPPEMENT IMMOBILIER BLOCKCHAIN LIMITÉ.

- KINDRED FARMS LIMITÉE.

- ZELLA+ HÔTELS LIMITÉE.

Ces entreprises reflètent ses divers intérêts et son engagement en faveur de l'innovation, de la durabilité et de l'impact social. En tant que défenseur passionné de la jeunesse et du développement communautaire, Engr. Ononiwu se consacre à donner aux individus et aux communautés les moyens de construire un avenir meilleur. Grâce à son travail et à ses efforts philanthropiques, il vise à créer un héritage durable d'innovation, de durabilité et d'impact positif.

Unlocking the Power of Social Capital for Youth and Community Development | #social Capital

Unlocking the Power of Social Capital for Youth and Community Development

By Engr. Chigozie Chukwuemeka Ononiwu

Social capital, a vital resource for building stronger, more resilient communities, is the backbone of youth and community development.

It's the glue that holds people together, fosters collaboration, and enables individuals and groups to access resources, support, and opportunities.

In this article, we'll delve into the significance of social capital, its benefits, and practical strategies for cultivating and leveraging it to empower youth and communities.

1. Bonding social capital: Refers to the relationships and networks within a community or group that are built on shared identity, trust, and reciprocity.

2. Bridging social capital: Refers to the relationships and networks that connect individuals and groups from different backgrounds, cultures, and identities.

3. Linking social capital: Refers to the relationships and networks that connect individuals and groups to resources, institutions, and power structures.

4. Trust social capital: Refers to the trust and confidence that individuals have in each other and in institutions.

5. Reciprocity social capital: Refers to the exchange of resources, support, and favors within a community or network.

6. Information social capital: Refers to the access to and sharing of information within a community or network.

7. Influence social capital: Refers to the ability to influence decisions and outcomes within a community or network.

8. Social support social capital: Refers to the emotional, financial, and practical support provided by a community or network.

9. Cultural social capital: Refers to the shared values, norms, and practices within a community or group.

10. Cognitive social capital: Refers to the shared knowledge, attitudes, and beliefs within a community or group.

These types of social capital can help individuals and communities build stronger relationships, access resources and support, and achieve their goals.

The Power of Social Capital:
Why It Matters.

- Strengthens social bonds and community cohesion.

- Unlocks access to resources, mentorship, and opportunities.

- Fosters a sense of belonging and identity.

- Develops social skills and emotional intelligence.

- Supports vulnerable populations and promotes inclusivity.

- Ignites collective action and drives positive change.

- Empowers marginalized voices and promotes social mobility.

- Drives economic growth and development.

Cultivating Social Capital: Strategies for Success

- Build trust through community-based initiatives and inclusive spaces.

- Establish mentorship programs and peer support networks.

- Foster collaboration among community organizations and stakeholders.

- Develop programs promoting social-emotional learning and skills development.

- Support community-led projects and initiatives.

- Encourage active citizenship and volunteerism.

- Leverage technology to connect and mobilize communities.

By recognizing the transformative potential of social capital, we can create a ripple effect of positive change that resonates throughout our communities. Let's work together to build stronger, more resilient communities where youth and individuals can thrive, grow, and
reach their full potential.


Author Bio:

Engr. Chigozie Chukwuemeka Ononiwu is a multifaceted professional with a passion for driving innovation and positive change.

As an ICT + Renewable Energy Engineer and Consultant, he has expertise in harnessing technology and sustainable energy solutions to empower communities.

He is one of the first Africans to become a Member of the European Energy Center (M.E.E.C.), a testament to his commitment to excellence in the field of renewable energy.

Beyond his technical expertise, Engr. Ononiwu is a philanthropist and serial entrepreneur with a diverse portfolio of ventures in FinTech, CleanTech, DeepTech, AgriTech, Music, and more. He is the Founder, President, and Chief Innovation Officer (CInO) of various companies based in Europe, UK, Canada, Nigeria, and Cameroon, including:

- SUREBANQA CORP.

- ALEERRO TECHNOLOGIES LIMITED.

- AFRINODE LTD.

- JIFFYMOBILE LIMITED.

- EMBEDDED FINANCE RAILS LTD.

- ZARACHELLIE HOTELS LIMITED.

- BLOCKCHAIN ESTATE DEVELOP LIMITED.

- KINDRED FARMS LIMITED.

- ZELLA+ HOTELS LIMITED.

These companies reflect his diverse interests and commitment to innovation, sustainability, and social impact. As a passionate advocate for youth and community development, Engr. Ononiwu is dedicated to empowering individuals and communities to build a brighter future. Through his work and philanthropic efforts, he aims to create a lasting legacy of innovation, sustainability, and positive impact.

There is no better way to understand the transformation of financial services (FS) than to look at how #lending has - and is still being – redefined.
Juxtapose a traditional mortgage or small business lending flow used to take weeks to decide and months to disburse vs the almost instant time-to-cash via an online platform and you have the epitome of the disruption that lending has gone through. This is where #surebanqa, one of the light years ahead disruptive financial inclusion ecosystem comes in with omnichannel platform like #qikqik+.
The main elements are:
— A complete transformation of the end-to-end customer journey (from paper to digital and from an all-in to no human interaction).
— From a stand-alone, vertical set-up handled exclusively by banks, lending nowadays finds itself at the convergence between platform models and cross-industry verticals managed by a plethora of players that can simultaneously act as both competitors and partners.
— The addition of an entire level onto the front-end bringing non-traditional players into the game via what we call embedded omnichannel #finance: the art of adding FS flows in non-FS customer journeys: QikQik.
— Lending is about risk management and risk management is about #data.
Most of the innovation that has changed lending from the ground up evolves around the (right) handling of data:
1) Real-time, big data analytics
2) Algorithmic trading
3) Customer segmentation
4) Predictive analytics for fraud detection and lately
5) GenAI as a decision-making engine.
At the same time:
a) access to data has been democratized via open banking
b) rich, actionable data has replaced passive data
c) alternative data has redefined credit models.
— The drive for hyper-personalized experiences via social commerce and the influence of algorithms and #ai.
— The re-packaging of existing financing flows into new business models via the help of technology. BNPL(Buy Now, Pay Later) is a primary example.
My highlights include 2 conclusions to draw and 2 opportunities to consider.
Conclusions:
1. As more roles are concentrated under less layers, the dividing lines among lending, payments, e-commerce, social commerce #fintech and banking are becoming less clear.
2. Lending remains at the epicenter of FS even for new players challenging the status quo. It is not by accident that the pivot of challenger banks to a mature 2.0. play goes through lending.
Opportunities:
1. Despite the digitization of the financing value chain, most new processes have been built around existing set-ups replicating models of a value chain that has dramatically changed. There is a significant opportunity in creating digital-native structures that can match new business models.
2. SME lending remains still one of the biggest, untapped opportunities in FS. Various approaches (from revenue-based financing to invoice discounting and to B2B PayLater) from different sides of the market (supply, operations, sales) are facing the same challenge: how to balance the inherent SME complexity with a higher degree of customization.
3. Fractional Real Estates Ownership (FREO) is becoming the best way to access property, thanks to RWAT( Real World Asset Token), people can own a piece or portion of home, with a possibility to sell, transfer it at anytime anywhere.
Source: Panagiotis Kriaris’ LinkedIn Post, my own opinions, Graphic sources: Brankas, Experfy

Can Stablecoins hold the answer to one of the biggest challenges – and at the same time opportunities – in #financialservices today? Let’s take a look.

According to IFC 65 million firms, or 40% of formal micro, small and medium enterprises (MSMEs) in developing countries, have an unmet financing need of $5.2 trillion every year, which is equivalent to 1.4 times the current level of the global MSME lending!

One of the main reasons that this huge #financing gap still exists, even though everyone acknowledges the untapped potential and opportunity has to do with the structure of the modern financial system:

Funding is mainly funneled via banks and a very large portion of small businesses do not meet their risk criteria due to:

1. The inherent complexity of SMEs

2. A lack of understanding of their needs from formal lenders, which is a direct result of limited credit modeling sophistication (i.e. granular segmentation) that makes it very costly to service them

3. Unavailability of formal data points based on which banks build their credit models

Supply chain financing (SCF) has long been heralded as a solution for covering part of the gap, however it has not managed to address suppliers across the entire value chain and particularly those at its lower end.

An ambitious project called #surebanqa(#qikqik+ #xenn, #loop,...) is trying to turn the problem on its core by using #blockchain, #ai, combined to other cutting edge technologies to address the main challenge of the traditional SFC flow: trust. Lack of trust is the main reason why all these intermediaries (basically banks) exist in the flow in the first place. They make sure that payment is made only when all conditions are met.

Here’s is the new approach:

— Digital Trade Tokens (DTTs) - basically stablecoins like #x€nn minted on native Blockchain or Ethereum public blockchain - become the means of payment.

— Funds behind the DTTs are ringfenced in the sense that they are only converted to cash when conditions are met (i.e. delivery of goods).

— Conditions are coded on smart contracts on blockchain and #payments are automatically executed once the pre-set conditions are fulfilled.

— The buyer sends the DTTs to the supplier, but until proof of delivery is there the supplier doesn’t have access to real money but has a number of options 1) keep DTTs and wait until proof of delivery 2) Use DTTs (i.e. sell them) as a means to get funding (factoring mechanism).

— The process works exactly the same if suppliers further down the value chain end up with the tokens. They have the same (sell or hold) options and DTTs are converted to cash once the set conditions are met.

— Given that each shipment is unique, DTTs are non-fungible, meaning that they are non-interchangeable and can't be replaced.

Although the project involved several drawbacks (i.e. regulation, privacy, integration costs, fluctuating gas fees) that need to be addressed, the idea of connecting programmable payments with trade finance is very promising.

Source: Panagiotis Kriaris’ LinkedIn Post, my opinion, Graphics and source: BIS Innovation Hub

Although APIs are a rather old #technology, they have played such an instrumental role in financial services’ transitioning from a structure of vertical silos to an open ecosystem that today no #innovation is conceivable without them. Let’s take a look.

APIs are a software intermediary that allows two applications to talk to each other, the same way as a translator would help two people who don’t speak each other’s language to communicate. They have existed almost as long as computing, but modern web APIs appeared in the early 2000s.

Financial services are not even the first business model that APIs have disrupted. Think of Netflix vs Blockbuster, Amazon Web Services vs Dell and HP, Expedia vs Thomas Cook, Salesforce vs Siebel or Uber.

As a result of the increased involvement of APIs in every aspect of our financial lives, we are talking today about the APIsation of financial services or the APIsed #economy, to indicate exactly their being indispensable in this new reality.

To understand how APIs have gradually but steadily come to dominate the entire #finance infrastructure, we don’t have to look beyond how offerings of any kind and not just finance, are being delivered today. The consuming of services has become synonymous with one particular term: applications (or better apps). We have an app almost for everything: from staying in touch with our friends online to dating to reading the news to calling a taxi, and of course when it comes to our financial lives, to accessing our bank accounts and to making payments.

As apps have therefore become the dominant way of accessing all kinds of services, APIs have become the indispensable tool that serves two main purposes:

— Enabling connectivity among the thousands of applications that we are using in our day-to-day. The interconnectedness that we take for granted would not have been possible without the fast and easy set-up of modern APIs

— Being the rails that carry probably the most important element of all: data in the form of bank transactions, account balances, payments or investments

APIs are the core facilitator behind some of the most powerful innovation triggers, driving the next wave of the #fintech revolution:

— APIs are behind Open Banking allowing product features and functionalities to be easily pulled out from a variety of applications and to be combined into processes that users with the right authorization can access from anywhere

— In turn, the power to integrate these products and services into different commercial environments is the concept of embedded finance behind the Banking-as-a-Service concept

We have long been transitioning into a reality where banking or payments apps will have a number of third-party APIs and developer services running in the background enabling what we call the platform economy. APIs are everywhere, forming the backbone of the modern economy.

Source: Panagiotis Kriaris LinkedIn's Post, Graphic sources: Cagmenini, Mulesoft