1. Can you share an example of where including / not including grassroots or frontline voices has impacted the effectiveness of strategies and programmes?
At Youth Business International (YBI), we are dedicated to driving economic growth and job creation through supporting and scaling youth-led businesses globally. We do this by combining global influence with local knowledge and experience. All our work supporting young entrepreneurs is delivered by and designed in consultation with local enterprise support organisations (ESOs) – our members - enabling us to successfully deliver global programmes with bespoke solutions in varied contexts.
Our members are rooted in local communities and provide direct support to the young people operating businesses in those communities. This means that they have a first-hand understanding of the challenges these young people face and the structural barriers that are holding them back. We know that the barriers young entrepreneurs face vary greatly across different countries and regions and that a one-size-fits-all approach would fail to address the different barriers effectively.
This is why our local members lead the design and delivery of their projects as part of our global programmes with YBI acting in a supporting and capacity-building role. Our experience with the Revolving Loan Fund developed in partnership with Somo, one of our members in Kenya, is a powerful example of how including grassroots and frontline voices leads to more effective and inclusive programme design.
The programme was launched in 2023 as part of the Futuremakers initative, funded by Standard Chartered Foundation, to address a critical gap: young women entrepreneurs in the informal sector were systematically excluded from formal finance due to a lack of collateral, credit history, and financial literacy.
By working closely with Somo — an organisation deeply embedded in local communities — we were able to co-design a financing solution that directly addressed these on-the-ground realities. The programme offers low-interest loans (US$1,000–$25,000) and uses an alternative credit scoring tool called the Somo Scorecard, which incorporates peer and business data rather than formal credit histories. This innovation emerged specifically from listening to and working with frontline stakeholders who understood the limitations of traditional financial systems in these contexts.
The impact has been significant: in its first year, the fund supported 77 women-led businesses, resulting in 28% monthly revenue growth and the creation of 326 new jobs—with zero loan defaults. Entrepreneurs also received holistic support, including financial literacy coaching and access to digital reporting tools. These were added because grassroots voices emphasised the need not just for capital, but also for support in managing it effectively.
This case highlights that when grassroots voices are not included, we risk designing interventions that are disconnected from real-world challenges. But when they are centred, we create pathways to genuine, scalable impact.
2. How are you (or others you’ve seen) co-creating solutions with people directly impacted by the issues being addressed?
At Youth Business International (YBI), we prioritise co-creating solutions with those directly impacted by the challenges we aim to address. Our Green and Social Entrepreneurship Toolkit exemplifies this approach. Developed collaboratively with nine of our global member organisations across Africa, Asia, Europe, and the Caribbean, the toolkit underwent real-world testing with approximately 700 young entrepreneurs. Their feedback informed iterative improvements, ensuring the toolkit’s effectiveness and adaptability across diverse contexts.
This participatory process led to significant outcomes:
- 100% of participants would recommend the toolkit to others
- 97% are now operating social or environmental businesses
- 89% reported increased confidence in managing such enterprises
- 88% noted improved capabilities in achieving social and environmental goals
By engaging directly with young entrepreneurs and our member organisations, we ensure our solutions are grounded in real experiences and needs, fostering more impactful and sustainable outcomes.
3. What practices or platforms help ensure listening and accountability to communities or workers on the ground?
1. Communities of Practice (CoPs):
YBI has established global and regional CoPs that bring together our member organisations to share insights, co-create solutions, and refine support programmes. For instance, our High Flyers Community of Practice involves YBI members from seven countries collaborating to design and deliver effective support for young entrepreneurs aiming to grow and scale their businesses. This collaborative approach is informed by the feedback our members get directly from the young entrepreneurs they support and ensures that programmes are tailored to the real needs of the communities they serve.
2. Co-creation of Resources:
We engage directly with our member organisations to develop tools and resources that address the specific challenges of the young entrepreneurs they support. An example of this is our Sustainability Toolkit, co-developed with YBI members across five countries, which provides guidance on integrating sustainability practices into existing micro and small enterprises. Through testing the toolkit with young entrepreneurs, gathering their feedback and experiences, and then refining the tools, we ensure that the voices of underserved young entrepreneurs are heard and considered in programme development.
Through these practices, YBI ensures that its programmes are not only effective but also grounded in the lived experiences and needs of the communities and individuals we aim to support.