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  • Crowdfunding Technology Start-up Success in Africa

    Crowdfunding Technology Start-up Success in Africa

    By David South, Development Challenges, South-South Solutions

    SOUTH-SOUTH CASE STUDY

    Technology is the future for the South, and South African start-up culture is trying to get a foothold on the African continent and forge a more supportive environment for entrepreneurs and innovators.

    Modelled on the successful approaches pioneered in U.S. high-technology centres like California’s Silicon Valley (http://en.wikipedia.org/wiki/Silicon_Valley) , Crowdfund (http://www.crowdfunding.co.za) aims to connect start-up technology companies with cash, experience and contacts, helping them get to the crucial prototype stage so that they can go big and go global.

    It works like this: in order to build up a fund of cash to invest in start-ups, 1,000 people get together and invest R1,000 (US $128) into a Crowdfund – a pool of investment cash. A board is set up and uses the pooled cash to invest in between 10 and 20 of the best start-up ideas submitted. The ideas are funded and developed into working prototypes in return for a stake in the business. Once the working prototype is up and running, traditional venture capitalists are approached for further funding and usually Crowdfund will then cash in its equity.

    The concept of crowdfunding allows groups of people to use the internet to pool their money together to help support a person or a cause (http://en.wikipedia.org/wiki/Crowd_funding) . There are now many variations on the concept, with online services providing crowdfunding for artists, designers, film-makers, causes, scientists and technology pioneers.

    As a model for raising funds for small businesses, the concept has a long history in poor communities across the South. Often, it can be a group of poor women pooling their resources to help each other start small businesses. Technology in the form of the internet and mobile phones has helped the concept jump to the next level, and expanded the pool of people who can support a crowdfunded idea around the world.

    It is an answer to the need for so-called “angel funding” (http://en.wikipedia.org/wiki/Angel_investor) : somebody with lots of cash who is willing to help a start-up entrepreneur. Crowdfund’s founders felt South Africa lacked enough angel funders to meet the needs of the country’s technology start-ups. This can be a big problem in countries where there is no history or culture of angel funding and searching far and wide for the “next big idea.”

    In April of this year, Crowdfund was able to raise R1 million (over US $128,000) from 229 investors.

    Venture capitalists (http://en.wikipedia.org/wiki/Venture_capital) – people or investment groups looking for high-growth start-ups to invest in – usually prefer to put their money into proven ideas for big, fast returns. They often lack interest in smaller ideas that may grow more slowly. It is a classic dilemma: how can an entrepreneur know if their idea will work if nobody will give them the cash to prove it?

    This is a critical problem in the information age. As broadband technology spreads across Africa, the opportunities for online businesses will just grow and grow. But few will be able to benefit and African start-ups will not stand a chance against global competition if funding is not available to nurture new businesses.

    Crowdfund assesses ideas and identifies skill shortfalls. The cash is used to help with the skills shortage, provide office space, bandwidth, hosting and mentorship. The funded team will also have access to legal, marketing and management experts to get through the development stage and avoid costly mistakes. The development process in stage one takes three months. The Crowdfund Board will then search for potential investors to take the start-up to stage two and a working prototype.

    By this stage negotiations will take place to set the start-up off on the path to global success. They are helped with the tricky negotiation process with investors.

    Apart from the start-up cash, the powerful idea behind Crowdfund is the network of support and advice that comes with it. Two of the board members are South Africans based in San Francisco, USA, and can make that crucial connection with the buzzing U.S. technology scene. Investors are asked to mentor the start-up concepts, meaning start-ups are accessing normally costly business advice.

    Crowdfund tries to get a response back to potential start-ups within 48 hours (http://digitalgarage.co.za/2010/04/12/filtering-the-applications-for-funding/) , so, if you have a great idea, get submitting!

    Published: June 2010

    Resources

    • TechMasai: Pan-African start-up news and reviews. Website: www.techmasai.com
    • Kickstarter: This new site allows US artists, journalists, entrepreneurs, explorers and others to raise the funds for their next big idea. Anyone with an idea for a new endeavour can post a description of their project on Kickstarter along with a deadline, a funding goal and incentives to encourage others to pledge financial support. Website: http://www.kickstarter.com/
    • AfricaUnsigned: This African alternative way of producing African music started this year. Unsigned artists record their music, funded by fans. Music fans from all over the world listen to the selection of artists, pick their favorite(s) and chip in a minimum of $1 dollar to the recording of a professional EP. The music is then distributed to the fans who backed the artist and sold on all major online stores (incl. Amazon & iTunes). Website: www.AfricaUnsigned.com
    • Afrinnovator: Is about telling the stories of African start-ups, African innovation, African made technology, African tech entrepreneurship and entrepreneurs. Their mission is to ‘Put Africa on the Map’ by covering these kinds of stories from all over Africa. As their website says, “if we don’t tell our own story, who will tell it for us?” Website: http://afrinnovator.com

    Development Challenges, South-South Solutions was launched as an e-newsletter in 2006 by UNDP’s South-South Cooperation Unit (now the United Nations Office for South-South Cooperation) based in New York, USA. It led on profiling the rise of the global South as an economic powerhouse and was one of the first regular publications to champion the global South’s innovators, entrepreneurs, and pioneers. It tracked the key trends that are now so profoundly reshaping how development is seen and done. This includes the rapid take-up of mobile phones and information technology in the global South (as profiled in the first issue of magazine Southern Innovator), the move to becoming a majority urban world, a growing global innovator culture, and the plethora of solutions being developed in the global South to tackle its problems and improve living conditions and boost human development. The success of the e-newsletter led to the launch of the magazine Southern Innovator. 

    Creative Commons License

    This work is licensed under a
    Creative Commons Attribution-Noncommercial-No Derivative Works 3.0 License.

    ORCID iD: https://orcid.org/0000-0001-5311-1052.

    © David South Consulting 2022

  • Mobile Applications Market: Opportunities for South

    Mobile Applications Market: Opportunities for South

    By David South, Development Challenges, South-South Solutions

    SOUTH-SOUTH CASE STUDY

    As the number of mobile phone users around the world mushrooms, so does the mobile phone applications market. Revenue from downloads of applications, or apps, topped US $10 billion in 2009, according to market analyst firm Juniper (http://juniperresearch.com).

    Applications have two distinct advantages for the poor in the South. Apps targeted at the poor can boost incomes and increase health and education. And they are an emerging way to make money.

    Somebody who develops an application can expect to make up to 70 percent of the download cost. Apple (http://www.apple.com/iphone/apps-for-iphone) – owner of the iPhone application store – claims it has already given developers over US $1 billion in revenues.

    It is a growing industry. The market-leading Apple App Store now boasts more than 225,000 applications for download and sale. It says they have been downloaded an impressive 5 billion times.

    Android Market (http://www.android.com/market/#app=com.com2us.HG), run by the search engine Google, has more than 60,000 apps on offer. GetJar (www.getjar.com), an independent mobile phone application store from Sweden, says it has 72,000 apps available and has had 1 billion downloads.

    Now that the apps economy has been running for a couple years, it is possible to divine what increases a developer’s success. Some believe the apps marketplace mimics the dynamics of the music business, rather than the traditional software business.

    GetJar chief executive Ilja Laurs told the Economist that it takes as long to write an app as a song. Apps on average cost about the same as a music download: US $1.90. And just like the pop music charts, a few become big hits but most never make it. Apps are also a quick hit: even after becoming successful they can quickly fade back to obscurity again. In short, they are fad and trend driven and are very much about the moment and a current need.

    That means they are wide open to newcomers from the South.

    With mobile phones now the main channel for information in East Africa, for example, and mobile penetration exceeding 40 percent of the population there, vast markets have opened for apps. East Africa has more than 120 million citizens, with a large majority living in rural areas: many needing poverty-fighting apps to change their lives.

    Various new applications show the creative thinking already coming out of the South. South Africa’s Afridoctor (www.afridoctor.com) is Africa’s first personal mobile health clinic. Users submit photos of ailments and receive advice from a panel of professionals, or use the mapping feature to find doctors, clinics and all health industry related services nearby. The emergency feature notifies next of kin of your distress and location. Features include symptom checkers, first-aid information, health calculators and quizzes. Afridoctor hopes to make health care affordable and accessible to Africans. It is made by 24.com (http://store.ovi.com/publisher/24.com), South Africa’s largest digital brands group.

    In Mexico, the tragedy of migrants dying as they try to cross the border to the United States is being addressed by Mexican professor Ricardo Dominguez, with funding from charities. He has developed an app tool to help people who cross the US-Mexico border find drinking water in the desert, churches with shelter, and human right groups offering them help. Immigrants download the app – being called a “platform for Migrant Border” – onto their mobile phones.

    “The purpose is to provide a platform to travel safely through the desert,” said Dominguez, who led the design team.

    App action has heated up in India, where Spice Mobiles (http://www.spiceglobal.com/SpiceMobiles/SpiceMobiles.aspx) – a wing of the Spice Group – is launching an application store with 250 content providers. India’s Bharti Airtel launched its first home-grown mobile application store in February of this year – Airtel App Central (http://www.airtel.in/apps). It clocked up over 13 million downloads in four months.

    India’s Reliance Communications (http://www.rcom.co.in/Rcom/personal/home/index.html) also launched an application called Socially. It has been designed to enable users to follow the recent activity of friends, and also allows the user to update their status on different social networks like Facebook, Twitter and LinkedIn through a single client.

    Jon Gosier, from Appfrica Labs (http://appfrica.net/blog) – behind the highly successful crisis crowdsourcing Ushahidi application (http://www.ushahidi.com) – explained the thinking behind apps in Africa:

    “Our goal is to show the world that Africa is capable of solving some of its own problems,” he told CP-Africa.com. “Too often Africans aren’t even considered as a resource when discussing how to improve their own quality of life.”

    He has the following advice for would-be app developers: “Think global. Too many entrepreneurs here (Africa) think of themselves as competing with peers within their school or country. That’s not true. You’re competing in the global market now. If your website or web app doesn’t look as flashy or polished as the stuff from 37 Signals (www.37signals.com) or Carsonified (www.carsonified.com), you’ve still got work to do.

    “You don’t get a pass on the web because you’re African. You get the challenge of working harder.”

    NEW: Apps4Africa Competition: Apps 4 Africa is a regional competition with the goal of promoting local technology entrepreneurs as they build tools to serve the needs of NGOs and the local community. This unprecedented partnership meshes civil society with developers and designers to create technical solutions to local challenges. The competition will ask civil society and citizens throughout the region to submit local community challenges on issues like transparency and better governance, health, education and more where technology can be a part of the solution. The burgeoning ranks of innovative techies in the region will then use this list of community challenges as the basis of their work, thus creating “an app for that.” Website:www.apps4africa.org

    Published: August 2010

    Deadline: August 31, 2010

    Resources

    Development Challenges, South-South Solutions was launched as an e-newsletter in 2006 by UNDP’s South-South Cooperation Unit (now the United Nations Office for South-South Cooperation) based in New York, USA. It led on profiling the rise of the global South as an economic powerhouse and was one of the first regular publications to champion the global South’s innovators, entrepreneurs, and pioneers. It tracked the key trends that are now so profoundly reshaping how development is seen and done. This includes the rapid take-up of mobile phones and information technology in the global South (as profiled in the first issue of magazine Southern Innovator), the move to becoming a majority urban world, a growing global innovator culture, and the plethora of solutions being developed in the global South to tackle its problems and improve living conditions and boost human development. The success of the e-newsletter led to the launch of the magazine Southern Innovator.  

    Creative Commons License

    This work is licensed under a
    Creative Commons Attribution-Noncommercial-No Derivative Works 3.0 License.

    ORCID iD: https://orcid.org/0000-0001-5311-1052.

    © David South Consulting 2022

  • Burgeoning African E-commerce Industry Full of Opportunity

    Burgeoning African E-commerce Industry Full of Opportunity

    By David South, Development Challenges, South-South Solutions

    SOUTH-SOUTH CASE STUDY

    Africa has seen huge change since 2000 in the way people access information and do business electronically. The most championed accomplishment has been the widespread take-up of mobile phones. This has given birth to countless entrepreneurs and innovators who are using  phones to help people, do business and sell goods and services.

    Not as quick to spread, mostly because of high cost and poor infrastructure, is access to the Internet. While Web access is taken for granted in many wealthy countries and is increasingly commonplace in many developing nations, Africa as a whole still suffers from poor infrastructure for access to the Internet. But this is changing by the month as  more undersea cables connect countries and bandwidth is increased (http://www.submarinecablemap.com/).

    Africa’s population can be expected to at least double from 1.1 billion to about 2.3 billion by 2050 – and most will live in urban areas (Population Reference Bureau).

    And incomes are rising. Africa is richer than India on the basis of gross national income (GNI) per capita, and a dozen African countries have a higher GNI per capita than China (Africa Rising).

    According to the McKinsey Global Institute, “The incomes of these new consuming classes are rising even faster than the number of individuals in the consuming classes. This means that many products and services are hitting take-off points at which their consumption rises swiftly and steeply. By 2025 urban consumers are likely to inject around (US) $20 trillion a year in additional spending into the world economy.”

    Research firm Jana (jana.com) – which specializes in emerging markets – studied the consumer preferences of people in Nigeria, Kenya and South Africa. They surveyed 600 consumers in each country, seeking to unearth what their preferences were when it came to using e-commerce services (https://en.wikipedia.org/wiki/E-commerce). E-commerce is the buying and selling of products and services over electronic systems such as the Internet and other computer-enabled systems. This is still a young industry in Africa and one ripe with opportunity for hardworking and innovative players. Many are starting to realize they had better move fast because this is a market that still has much up for grabs and is not – yet – dominated by mature players such as eBay or Amazon.

    The survey uncovered five trends driving e-commerce in Africa. These trends address the unique conditions present in Africa and what challenges need to be met.

    The first trend the firm identified is cash on delivery. This has become the main way people do e-commerce in Africa because of the lack of trust in the security of online payments. Cash is still king in the region. The second trend is having a proprietary logistics network. This comes in response to the poor infrastructure present in much of Africa. This has meant e-commerce companies need to take charge of the whole process of getting a good to the customer’s home. This is, of course, costly and places a big restraint on any new company in the e-commerce market.

    The third big trend is one that reflects the reality of how people communicate electronically in Africa. Mobile phones are king, and this means e-commerce needs to be mobile phone-friendly or lose out on reaching many customers. The fourth trend is related to the fact Africa is still off the logistics route for much world trade. This means e-commerce companies need to set aside space for large warehouses to store the goods so that they are on hand when the customer wants them.

    And, finally, the fifth trend is the importance of good customer service as the clincher for success in the marketplace. Word of mouth gets around if a company is not able to deliver on what is promised so it is important to have high-quality customer service to build trust, keep engaged with consumers and let them know problems are being resolved.

    South Africa has emerged as the continent’s powerhouse when it comes to e-commerce, according to Jana. Successful players in that country include Zando (http://www.zando.co.za/) an online fashion store by Rocket Internet, MIH Internet Africa’s Kalahari online store (http://www.kalahari.com/) and entertainment and consumer electronics online store Takealot.com supported by Tiger Global. Research firm World Wide Worx (http://www.worldwideworx.com/) calculated that online retail in South Africa is growing by 30 per cent a year.

    But South Africa cannot rest on its laurels: the survey found Nigeria is fast overtaking South Africa as its large population takes to the Internet. Impressively, Nigeria’s Government has pledged to expand broadband Internet access to 80 per cent of the country over the next five years.

    In East Africa, Kenya’s Rocket Internet’s service Jumia (http://www.jumia.co.ke/) is now one of the top 100 online destinations in the country.

    Jana also found there were various key areas for improvement for the e-commerce industry in Africa. One, was the importance of explaining to African consumers the basics of online shopping. Many respondents to the survey seemed confused about making purchases on the Internet and through e-commerce. They also showed low levels of understanding about payment methods and available financial products. And finally, one of the big obstacles to expanding the industry is improving delivery reliability.

    But all these problems and challenges spell opportunity for innovators who can solve them and make some money too!

    Published: July 2013

    Resources
     
    1) E-commerce: The latest news from The Guardian newspaper. Website: http://www.guardian.co.uk/technology/efinance

    2) E-commerce Expo: From 2 to 3 October 2013 in London, UK, the eCommerce Expo is the industry event for the UK and, increasingly, Europe. It ranks as one of the largest gatherings of e-commerce professionals in Europe and boasts over 180 exhibiting companies plus a comprehensive conference programme. Website: http://www.ecommerceexpo.co.uk/page.cfm/newSection=Yes

    3) Mashable e-commerce: E-commerce (or electric commerce) refers to the buying and selling of goods and services via electronic channels, primarily the Internet. Online retail is decidedly convenient due to its 24-hour availability, global reach and generally efficient customer service. Website: http://mashable.com/category/e-commerce/

    4) Actinic: An online software system for setting up an online e-commerce website. Website: actinic.co.uk/

    Development Challenges, South-South Solutions was launched as an e-newsletter in 2006 by UNDP’s South-South Cooperation Unit (now the United Nations Office for South-South Cooperation) based in New York, USA. It led on profiling the rise of the global South as an economic powerhouse and was one of the first regular publications to champion the global South’s innovators, entrepreneurs, and pioneers. It tracked the key trends that are now so profoundly reshaping how development is seen and done. This includes the rapid take-up of mobile phones and information technology in the global South (as profiled in the first issue of magazine Southern Innovator), the move to becoming a majority urban world, a growing global innovator culture, and the plethora of solutions being developed in the global South to tackle its problems and improve living conditions and boost human development. The success of the e-newsletter led to the launch of the magazine Southern Innovator.  

    Creative Commons License

    This work is licensed under a
    Creative Commons Attribution-Noncommercial-No Derivative Works 3.0 License.

    ORCID iD: https://orcid.org/0000-0001-5311-1052.

    © David South Consulting 2023

  • A Solution to Stop Garbage Destroying Tourism

    A Solution to Stop Garbage Destroying Tourism

    By David South, Development Challenges, South-South Solutions

    SOUTH-SOUTH CASE STUDY

    Tourism is an essential source of income for countries across the South. But many put that livelihood in jeopardy when they lose control of garbage collection. A popular tourist spot can represent a ‘paradise’ to visitors, but when it becomes too popular and local garbage collection systems collapse under the burden, ‘paradise’ can soon turn to an environmental hell.

    The small, tourist-friendly Indonesian island of Bali (http://en.wikipedia.org/wiki/Bali) – known for its idyllic pleasures of spas, surf and serenity – is being overwhelmed by garbage. A survey of tourists found two-thirds would not return to the island because of the problem.

    Tourism took off on the island in the 1970s. The economic benefits are clear: the island went from being economically marginal to ranking second only to the country’s capital, Jakarta, in wealth creation. The island received more than 2.38 million tourists in 2009, up 14.5 percent compared with 2008, according to Ida Komang Wisnu, head of the provincial statistics office. But tourism produces on average five kilograms of waste a day per tourist – 10 times what the average Indonesian produces (Bali Fokus).

    In the past, the traditional way of serving food in Indonesia was to wrap it in, or serve it on, a palm leaf: a biodegradable approach. But with the huge expansion in use of plastics and non-biodegradable packaging, the waste disposal problem is out of control.

    In Indonesia, government garbage disposal services tend to collect between 30 and 40 percent of solid waste, most of this from high income communities. The majority poor population are left to fend for themselves when it comes to waste disposal.

    A solution by Yuyun Ismawati, an environmental engineer and consultant, has since 1996 focused on helping poor communities find ways to safely dispose of waste. In 2000, she started her own NGO – Bali Fokus (http://balifokus.asia/balifokus/) – and opened a waste management facility in the Bali village of Temesi. The recycling plant employs 40 people from the village, who sort garbage into recyclables, compost and residual waste. Income from the recycled waste and compost goes to helping local farmers.

    She then expanded her concept to include households around Bali and elsewhere in Indonesia. She concentrated on housewives and targeted reducing the amount of household waste going to dump sites. A core team trains housewives in daily habits that separate waste and compost organic matter like vegetable and fruit scraps. Bali Fokus claims it has been able to reduce waste created by 50 percent in 500 homes. Some of the women sell their compost in local markets; recyclables are turned into sellable items.

    From 2001 to 2003, Ismawati turned this approach into a replicable template called SANIMAS. By 2008, the SANIMAS template was being used in hundreds of communities across Indonesia.

    Her solution to the deluge of tourist waste can be seen in the luxury Jimbaran Bay area of Bali. Traditionally, the area’s hotels would sell their waste to pig farmers. While the pigs feasted on the fancy scraps, the rest of the waste was put in plastic bags and thrown away in mangrove forests.

    “I told hotels: Your job is to sell rooms, not to sell garbage,” Ismawati recalls. “We have to protect Bali or else tourists won’t want to come here anymore.”

    Ismawati cleverly turned the relationship around: rather than a pig farmer paying for scraps, she convinced one of them there was money to be made recycling and sorting garbage. For this, the hotels would pay the farmer.

    A network of 25 hotels now pays to have their garbage taken away and sorted by hand: an important source of full-time jobs.

    The workers sort through paper, plastics, glass, aluminium, food scraps and vegetables. Each week, 140 trucks deliver waste to the facility. Only 10 leave with waste that has to go to a dump site.

    Food leftovers are bought by local pig farmers and grass clippings and other organic matter is composted (http://www.recyclenow.com/home_composting/), and eventually makes its way back to the hotels and is distributed in the flower beds.

    This system has created 400 jobs where the pig farmer once only employed 10 people.

    “If you want a hi-tech solution in a developing country you will wait and wait and wait until you get the money, or big donors to fund it,” Ismawati told the Telegraph newspaper. “And even then it may not work.”

    A graphic example of this is a donated waste recycling machine given by the local government. It can’t be used because the electricity to power it costs too much. Human labour is a cheaper option.

    Bali Fokus’ successful approach has now been replicated in six other sites on the nearby island of Java. And the government of Indonesia has promised to help create 15 more each year.

    In 2009 Ismawati won the Goldman Award (http://www.goldmanprize.org/), which honors grassroots environmental heroes from the six inhabited continental regions: Africa, Asia, Europe, Islands and Island Nations, North America, and South and Central America.

    She is also working on using decentralized grassroots approaches to bringing sewage disposal and clean water to communities.

    Published: March 2010

    Resources

    https://davidsouthconsulting.org/2022/11/19/african-culture-as-big-business/

    https://davidsouthconsulting.org/2022/10/20/african-tourism-leads-the-world-and-brings-new-opportunities/

    https://davidsouthconsulting.org/2022/10/20/africas-tourism-sector-can-learn-from-asian-experience/

    https://davidsouthconsulting.org/2022/11/18/bolivia-grabs-world-media-attention-with-salt-hotel/

    https://davidsouthconsulting.org/2022/02/07/boosting-tourism-in-india-with-surfing-culture/

    https://davidsouthconsulting.org/2022/09/27/caribbean-island-st-kitts-goes-green-for-tourism/

    https://davidsouthconsulting.org/2022/11/20/ecotourism-to-heal-the-scars-of-the-past/

    https://davidsouthconsulting.org/2022/11/21/from-warriors-to-tour-guides/

    https://davidsouthconsulting.org/2022/11/11/havanas-restaurant-boom-augers-in-new-age-of-entrepreneurs/

    https://davidsouthconsulting.org/2022/11/15/indonesia-best-for-entrepreneurs/

    https://davidsouthconsulting.org/2022/11/01/indonesian-food-company-helps-itself-by-making-farmers-more-efficient/

    https://davidsouthconsulting.org/2022/11/15/indonesian-middle-class-recycle-wealth-back-into-domestic-economy/

    https://davidsouthconsulting.org/2021/06/11/indonesian-wooden-radio-succeeds-with-good-design/

    https://davidsouthconsulting.org/2022/11/23/kenyan-safari-begins-minutes-from-airport/

    https://davidsouthconsulting.org/2022/10/26/south-gets-reading-bug-with-more-festivals/

    https://davidsouthconsulting.org/2021/03/05/southern-innovator-issue-2/

    https://davidsouthconsulting.org/2021/03/05/southern-innovator-issue-5/

    https://davidsouthconsulting.org/2022/11/18/tourist-passion-for-quirky-holidays-helps-south/

    Development Challenges, South-South Solutions was launched as an e-newsletter in 2006 by UNDP’s South-South Cooperation Unit (now the United Nations Office for South-South Cooperation) based in New York, USA. It led on profiling the rise of the global South as an economic powerhouse and was one of the first regular publications to champion the global South’s innovators, entrepreneurs, and pioneers. It tracked the key trends that are now so profoundly reshaping how development is seen and done. This includes the rapid take-up of mobile phones and information technology in the global South (as profiled in the first issue of magazine Southern Innovator), the move to becoming a majority urban world, a growing global innovator culture, and the plethora of solutions being developed in the global South to tackle its problems and improve living conditions and boost human development. The success of the e-newsletter led to the launch of the magazine Southern Innovator.  

    Creative Commons License

    This work is licensed under a
    Creative Commons Attribution-Noncommercial-No Derivative Works 3.0 License.

    ORCID iD: https://orcid.org/0000-0001-5311-1052.

    © David South Consulting 2023