Women's World Banking Blog

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Explore the latest global and regional insights from Women’s World Banking’s work in policy, leadership, women’s entrepreneurship, gender lens investing, and more.

Latest Posts

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Making Finance Work for Women for 45 Years | Ela Bhatt

To celebrate Women’s World Banking’s 45th anniversary, we are showcasing the voices of individuals from around the world who have shaped and touched Women’s World Banking journey since its inception in 1979 at Commission on the Status of Women to today!   These are stories from across Women’s World Banking’s reach

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Making Finance Work for Women for 45 Years | Rajesh Bansal

To celebrate Women’s World Banking’s 45th anniversary, we are showcasing the voices of individuals from around the world who have shaped and touched Women’s World Banking journey since its inception in 1979 at Commission on the Status of Women to today!   These are stories from across Women’s World Banking’s reach

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Making Finance Work for Women for 45 Years | Ibu Lenny Rosalin

To celebrate Women’s World Banking’s 45th anniversary, we are showcasing the voices of individuals from around the world who have shaped and touched the Women’s World Banking journey since its inception in 1979 at Commission on the Status of Women till today.   These are stories from across Women’s World Banking’s

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A Vital Response to Climate Change: Financial Inclusion for Women 

Climate Change is hitting hard, and women are bearing the brunt of it, facing increased economic hardship, health crisis, and displacement.   Worse still, an increased number of women – 880 million – don’t have any way of receiving emergency relief payments in case of a climate crisis because they

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Making Finance Work for Women for 45 Years | Mats Granryd

To celebrate Women’s World Banking’s 45th anniversary, we are showcasing the voices of individuals from around the world who have shaped and touched Women’s World Banking journey since its inception in 1979 at Commission on the Status of Women to today!  These are stories from across Women’s World Banking’s reach

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Making Finance Work for Women for 45 Years | Ganga

To celebrate Women’s World Banking’s 45th anniversary, we are showcasing the voices of individuals from around the world who have shaped and touched Women’s World Banking journey since its inception in 1979 at Commission on the Status of Women to today!  These are stories from across Women’s World Banking’s reach

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Making Finance Work for Women for 45 Years | Allen

To celebrate Women’s World Banking’s 45th anniversary, we are showcasing the voices of individuals from around the world who have shaped and touched Women’s World Banking’s journey since its inception in 1979 at Commission on the Status of Women to today! These are stories from across Women’s World Banking’s reach from

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Making Finance Work for Women for 45 Years | Sarah Mwanthi

To celebrate Women’s World Banking’s 45th anniversary, we are showcasing the voices of individuals from around the world who have shaped and touched the Women’s World Banking journey since its inception in 1979 at Commission on the Status of Women till today.  These are stories from across Women’s World Banking’s

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Making Finance Work for Women for 45 Years | Janet Truncale 

In celebration of Women’s World Banking’s 45th anniversary, we are highlighting the voices of individuals from across the globe who have significantly contributed to and influenced the organization’s journey since its inception at the 1979 Commission on the Status of Women.  Meet Janet Truncale. In a world where women’s empowerment

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Juneteenth: A Vision for Modern Liberation and Equality

As we commemorate Juneteenth, reflecting on the hard-fought eradication of slavery in the United States, it reminds us of what civil rights activist Coretta Scott King said: “Freedom is never really won. You earn it and win it in every generation.” Remembering Coretta’s vision of freedom, we must acknowledge the

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Manal, a woman entrepreneur in Egypt highlighted during our Making Finance Work for Women for 45 Years series
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Making Finance Work for Women for 45 Years | Manal

To celebrate Women’s World Banking’s 45th anniversary, we are showcasing the voices of individuals from around the world who have shaped and touched Women’s World Banking journey. These are stories from across Women’s World Banking’s reach from the women we serve and our customers, to allies and women in leadership

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Making Finance Work for Women for 45 Years | Gyanwati

To celebrate Women’s World Banking’s 45th anniversary, we are showcasing the voices of individuals from around the world who have shaped and touched Women’s World Banking journey. These are stories from across Women’s World Banking’s reach from the women we serve and our customers, to allies and women in leadership

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Making Finance Work for Women for 45 Years | Esther Ocloo

Esther Afua Ocloo, a young woman who transformed a mere sixpence into 12 jars of marmalade, marking the genesis of her entrepreneurial journey, eventually emerged as one of Ghana’s foremost business leaders and a staunch advocate for women’s economic participation. As Women’s World Banking’s inaugural chairwoman, she etched her name

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Making Finance Work for Women for 45 Years | Dr. Jennifer Riria

To celebrate Women’s World Banking’s 45th anniversary, we are showcasing the voices of individuals from around the world who have shaped and touched Women’s World Banking journey. These are stories from across Women’s World Banking’s reach from the women we serve and our customers, to allies and women in leadership

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Making Finance Work for Women for 45 Years | Sylvia Chin

To celebrate Women’s World Banking’s (WWB) 45th anniversary, we are showcasing the voices of individuals from around the world who have shaped and touched Women’s World Banking journey. These are stories from across Women’s World Banking’s reach from the women we serve and our customers, to allies and women in

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Southeast Asian woman using financial services on her smartphone, highlighting the importance of inclusive fintechs
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Five Insights to Drive Digital Inclusion of Women

By Dr. Sonja Kelly, Global Vice President, Research & Advocacy, Women’s World Banking The early release of the GSMA Mobile Gender Gap 2024 headlines, the World Bank Global Digital Summit, and the preparations for Brazil’s G20 focus on digital identity and data governance converged this past week, with important insights

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Making Finance Work for Women for 45 Years | Blanca Estela Olvera

To celebrate Women’s World Banking’s 45th anniversary, we are showcasing the voices of individuals from around the world who have shaped and touched Women’s World Banking journey since its inception in 1979 at Commission on the Status of Women till today! These are stories from across Women’s World Banking’s reach

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Making Finance Work for Women for 45 Years | Michaela Walsh

An unchartered path always held an allure for her.   While it was unusual for a girl from Kansas City to go to college on the East Coast in the 50’s, she took the risk anyway.   After her freshman year at Manhattanville College in 1952, she jumpstarted her career and secured

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What is Economic Violence Against Women and Why Does it Matter?

By Tayler Nelson (Graduate Research Intern, Doctoral Candidate in Sociology at the University of Minnesota), Megan Dwyer Baumann (Regional Research Lead, Latin America, Women’s World Banking), Soraya Husain-Talero (Research Director, Fundación WWB Colombia) Despite gains in women’s rights and agency throughout the past century, violence against women remains a prevalent

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Africa
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Building Local Presence for Scale & Impact in Africa

By Ade Ashaye, Regional Head for Africa, Women’s World Banking If you ever find yourself in Lagos, particularly Marina, you’ll encounter a bustling financial hub. Picture a towering 30-story marble tower, which serves as the headquarters for one of the largest banks in Africa. Right next door is an open

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Southeast Asian woman using financial services on her smartphone, highlighting the importance of inclusive fintechs
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Bridging the Gender Gap: How Fintechs Drive Financial Inclusion

Fintech companies are reshaping the way we interact with money and financial services, and their impact goes beyond just convenience and efficiency. A fintech, or financial technology company, is an innovative organization that leverages digital technology to provide a wide range of financial services, including digital banking, mobile payments and

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Charting the Path to Universal Financial Inclusion

Read Part 1, From Exclusion to Empowerment: The Meaning of Financial Inclusion The Cost of Financial Exclusion of Women Despite women’s increasing influence in the global economy and their significant contribution to consumer spending, the fact remains that nearly a billion women worldwide are unbanked and lack access to essential

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A woman entrepreneur using digital financial services, showing the use case for financial inclusion
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From Exclusion to Empowerment: The Meaning of Financial Inclusion

“Although three-quarters of a billion women are still excluded from the formal financial system, we remain steadfast in the mission to usher in universal financial inclusion to unlock the potential of women worldwide.” – Mary Ellen Iskenderian, President and CEO of Women’s World Banking What is Financial Inclusion? Our world

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ما وراء الشمول المالي، تعلم عن الحياة

Original post date of Beyond Financial Inclusion, Learning About Life ٢٨ فبراير ٢٠١٧ تدعى فاطمة، وبمجرد أن خطت أخيراً إلى الحجرة التي نعقد فيها جلسات المناقشات البؤرية الجماعية عن التأمين على الصحة في المغرب، كان من الواضح أنها الأكبر بين الخمس نساء الجالسات حول الطاولة، ترتدي فاطمة الزي التقليدي الفضفاض المزين بالتطريز،

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كيف تحول منتج التأمين الأصغر إلى قصة نجاح

Original Post Date for How to Turn Your Microinsurance Product Into a Success Story: ٣ فبراير ٢٠١٦ بقلم مازن ايهم نمري، نائب المدير العام بقسم التأمين الصحي والتأمين على الحياة بالشركة الأردنية للتأمين عندما تواصل “صندوق المرأة” في الأردن مع فريق عمل “شركة التأمين الأردنية”، بهدف التعاون معاً لأجل منتج

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See you on April 28th!

Thank you for registering for the “Financial Performance of Insurance Products” webinar on Thursday, April 28th at 7:30 AM EDT. Your confirmation should be in your inbox within the next ten minutes.

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Inscripción en la 16a Reunión Global

La fecha límite para inscribirse en la Reunión Global es el 8 de agosto de 2015. Si tenga cualquier duda, por favor comuníquese con  Meghan Flaherty. [[formassembly formid=278576 server=”https://womensworldbanking.tfaforms.net” ]] La fecha límite para inscribirse en la Reunión Global es el 8 de agosto de 2015. Si tenga cualquier duda,

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Gracias por inscribirse en la 16a Reunión Global

Estimado/a Miembro de la red, Muchas gracias por inscribirse en la 16a Reunión Global. Este mensaje confirma su inscripción. El equipo de Women’s World Banking le contactará pronto con información sobre los siguientes pasos que Usted debería tomar, incluso cómo obtener una visa alemana. Si tenga cualquier duda, por favor comuníquese

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Register for the 16th Global Meeting

If you have any questions please contact Meghan Flaherty [[formassembly formid=278574 server=”https://womensworldbanking.tfaforms.net” ]] If you have any questions please contact Meghan Flaherty

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Thank You For Registering for 16th Global Meeting

Dear Network Member, Thank you for registering for the 16th Global Meeting. This is message is a confirmation of your registration. The Women’s World Banking team will be in touch in in regards to next steps including visa letters. If you have any questions, please contact Meghan Flaherty mjf@womensworldbanking.org We look

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Understanding what they want: Using Research to Reach Women

In-depth market research is the foundation for a financial product that meets the needs of women. Properly conducting and applying market research enables financial institutions to understand customer needs and develop appropriate, responsive solutions. This practitioner-driven learning community will convene mid-level managers who are interested in learning how they can

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Liberation (France): Une banquière qui prend les émergentes en compte

December 23, 2014 Link:http://www.liberation.fr/monde/2014/12/23/une-banquiere-qui-prend-les-emergentes-en-compte_1169449 Elle a le look corporate et efficace. Mary Ellen Iskenderian est présidente et directrice générale de Women’s World Banking, une banque différente. Ses profits sont exclusivement réinvestis dans des actions visant à émanciper et assurer la sécurité des femmes dans les pays émergents. «Nous nous attachons

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The idea and the opportunity that helped Mirjana thrive

By MI-BOSPO Before the Bosnian war, Mirjana Parhomov  was a safety engineer living quietly in the town of Bijeljina, Bosnia. During the war’s aftermath however, she was one of many who were left without a job, an income and a home. “It”s hard when you are left without a home

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RFEI: Technology for Program Monitoring Consultancy

Women’s World Banking is seeking an experienced firm or individual to develop a technology-based solution for monitoring and evaluating the success of the new Leadership and Diversity for Innovation Program (the Program), including recommendations on an optimal technology platform and build-out of the platform. The consultancy would be on a contract basis.

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Cathleen Tobin to speak at financial inclusion seminar hosted by The Guardian

Product Research, Marketing and Financial Education Manager Cathleen Tobin will be participating at The Guardian Global Development Professionals Network’s morning seminar, in association with Visa. The panel will be held on Friday, October 10 from 8-11AM in Washington DC. A panel of speakers will cover the following topics: New models for reaching

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Mary Ellen Iskenderian to speak at Chatham House in London

Women’s World Banking President and CEO Mary Ellen Iskenderian is speaking at an event at Chatham House in London on June 12, 2014 entitled “Unlocking the Potential: Promoting Women’s Financial Inclusion in Africa.” She will be joined by Craig Churchill, Chief of Social Finance Programme, International Labour Organization (ILO). Register Event

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Happy Mother’s Day

Support Women’s World Banking in honor of Mother’s Day and help low-income mothers worldwide build a better future for themselves, their families and communities.

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A Rookie’s Guide to Women’s World Banking

When I tell people that I work at Women’s World Banking, I often get a curious look followed by strings of questions:  “Is it a bank for women?” “Is it a CIA front?”, or my favorite, “Can I get a loan from you?” The truth is, besides reciting the standard

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Ryan Newton to moderate panel during Mobile Money Americas 2014

Savings Specialist Ryan Newton will be moderating a panel at this year’s Mobile Money Americas 2014 conference in Mexico City. Mobile money and the battle for consumer adoption Hear the panelists’ views on the most effective method of driving consider adoption – is it building trust, consumer education, product development

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Mary Ellen Iskenderian to preside over meeting with OECD Secretary-General at the Council on Foreign Relations

Women’s World Banking President and CEO Mary Ellen Iskenderian will preside over a meeting with the OECD Secretary General at the office of the Council on Foreign Relations. Tackling Inequality: Getting the Policy Challenges Right José Ángel Gurría Secretary-General, Organization for Economic Cooperation and Development Please join Secretary-General Gurría as

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We look forward to keeping you updated!

We’re glad you decided to keep hearing from us. Women’s World Banking is undertaking an exciting new strategy that will see us going into markets where we can make the biggest difference in affecting the gender gap in financial inclusion, partnering with the local innovators and amplifying that impact across the world.

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Around the Country in 11 Days: A Visit to Our Microfinance Partners in India

Last November, I had the great privilege of joining Women’s World Banking’s closest supporters on a trip to India. Our agenda was ambitious: four financial institutions; five cities; eleven days. Throughout the trip, we met the inspiring women entrepreneurs who are at the heart of every product introduction, piece of research, and leadership training led by Women’s World Banking.

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Hemos recibido su formulario de registro para el Programa Mujeres en el Liderazgo, México

Por favor, envíe un mensaje por correo electrónico a LeadershipAdmissions@womensworldbanking.org si tiene alguna pregunta. See how Women’s World Banking has impacted the lives of millions of women worldwide. Visit our News & Media page, read our blog and follow us on social media for the latest news about Women’s World Banking and our work: Facebook Twitter LinkedIn YouTube Pinterest

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Anna Gincherman speaking at MetLife and Microinsurance Network Reception

Chief Product Development Officer Anna Gincherman will be speaking at a cocktail reception hosted by MetLife and the Microinsurance Network: “Distribution in Microinsurance: Why the Right Partnerships Matter.” January 23, 2014 4:00-5:30 pm Vanderbilt Suites, MetLife Building Grand Central Terminal, 200 Park Ave. at E. 44th St. & Vanderbilt Ave.

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Happy Holidays!

Women’s World Banking has been looking back on the past year as 2013 draws to a close—and what an incredible year it has been! Exciting new research on low-income garment employees in India and how to integrate financial education Launched the Gender Performance Initiative to help the industry prioritize and

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Great Shot: A woman photographer builds her business in Jordan

Sameera got a loan from MFW to start her business (the first one for 1,000 dinar, approximately US$ 1,400). The beginning was especially tough, as she was the first woman to open a storefront business in the Sahab neighborhood, and the male shop owners didn’t approve of her presence. It took all her perseverance and strength to endure this harassment, but finally, she managed to gain acceptance and her business started to thrive.

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TEST FORM

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Hemos recibido su solicitud para asistir al Programa Mujeres en el Liderazgo, México

El Comité de admisiones revisará todas las solicitudes y notificará sus decisiones a los solicitantes. Por favor, envíe un mensaje por correo electrónico a LeadershipAdmissions@womensworldbanking.org si tiene alguna pregunta. See how Women’s World Banking has impacted the lives of millions of women worldwide. Visit our News & Media page, read our blog and follow us on social

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Morocco October 26-31, 2014 – Payment Form

Thank you for your interest in joining Women’s World Banking in Morocco! You can join the trip by becoming a 2014 sponsor of Women’s World Banking at one of the following levels: Ambassador – $15,000 donation Benefactor – $10,000 donation Advocate – $5,000 donation There will be an additional estimated*

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Anna Gincherman to speak at the 2013 AFMIN Annual Conference

Chief Product Development Officer Anna Gincherman is a panelist at the  12th Annual AFMIN Conference and General Assembly on October 15-18, 2013. This year’s theme is “Inclusive Finance for Inclusive Growth and Transformation in Africa” at the Africa Union Conference Center, Addis-Ababa, Ethiopia. The overall objective of the conference is to bring together

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Fundación delamujer Rural Credit Product Launch

Fundación delamjuer, our network member in Colombia and one of the institutions with whom Women’s World Banking developed rural credit products, is hosting a launch event of their rural credit product to the rest of their branches in the country.

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Microfinance CEOs: Smart Campaign Certification is a “Clear Step” Toward Responsible Microfinance

Since we began meeting in early 2011, many of the Working Group’s discussions have focused on the fundamental question of what the microfinance industry requires to flourish in the future. We believe that client protection is central to the answer. It is common sense – and good business practice – that a fair and respectful relationship with clients is required to develop trust, reduce risk, and serve them appropriately.

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Mary Ellen Iskenderian speaking at Institute of International Education event on women’s role in economic growth

Women’s World Banking President and CEO Mary Ellen Iskenderian will be speaking at the Institute of International Education’s book launch event on Tuesday, May 7 at 5:30pm. The event will be held at the IIE’s offices at 809 United Nations Plaza. Mary Ellen contributed to the book, “Women in the Global Economy: Leading Social Change.” The book explores the landscape of women’s participation in the economy and the key role that women play in fueling economic growth by creating stable societies.

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Mary Ellen Iskenderian speaks to Forbes about her recent NPR interview on gender diversity in corporate governance

“…I first heard Mary Ellen Iskenderian, president and CEO of Women’s World Banking, in action while listening to NPR’s coverage of the recent controversy that has erupted over reports that the presence of women in senior roles was a contributing factor to the banking crash. Iskenderian was giving The Takeaway hosts Celeste Headlee and John Hockenberry an earful on what’s wrong with the media spin on new research by Germany’s central bank on the impact women directors are having on previously all-male boards of financial institutions…”

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Microfinance Helps Women Help Society

“…But the lesson that I’ve learned, and what I really, I sort of regret having missed so many years of my life not knowing this, was just how absolutely central the role of women is to financial stability, to household stability. If kids are going to get to school and stay in school and have food to eat while they’re there and remain healthy while they’re there, it’s because the women are going to make that happen. And I had not made that connection before coming to Women’s World Banking. Directed / Produced by Jonathan Fowler & Elizabeth Rodd”

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WWB Hosts Women in Leadership Exchange in Morocco

WWB hosted its fourth Women in Leadership Exchange from February 20 to 23, 2012. Nine graduates of WWB’s Women in Leadership Program from seven institutions in seven countries participated in the four-day Exchange in Rabat and Casablanca, Morocco. Al Amana microfinance, a leading Moroccan microfinance institution and member of the WWB network, acted as local co-host and was one of the sites visited during the Exchange.

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Notes from the President: Girls’ Savings, the Dominican Republic, and Women’s History Month

Dear friends,

One of my favorite parts about being the CEO of a global microfinance network is the opportunity to travel the world, visiting WWB network members and observing, first-hand, the impact that access to financial services can have on the lives of women and girls. I recently had the pleasure of leading a field visit to Banco ADOPEM in the Dominican Republic with four members of the WWB Board.

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ARS and Women’s World Banking to Participate in UN Commission on the Status of Women Gathering

On Friday, March 2 from 11:30 a.m. to 12:45 p.m., the ARS has organized a high-level panel event with the Armenia’s Permanent Mission to the UN and Ambassador Garen Nazarian. Along with Mary Ellen Iskenderian, the CEO of Women’s World Banking, and Meryl Frank, president and CEO of Makeda Global, Nazarian will discuss “From Empowerment to Sustainability: Financing, Health, and Participation for Rural Women.” Killian will represent the ARS and present the organization’s decades-long efforts in advancing rural women in Armenia and the diaspora.

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Year of the Cooperative, a Year for Localization

“The year 2012 is the UN year of cooperatives. After a roller-coaster year for microfinance—where markets were a solution, then markets created a problem, a state reigning in the markets while being a player—it is a good time to reflect on where it started and where it thrives. We have three examples and a few thoughts. These institutions did not exist for profits, not scale, just relevance to their customers.

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Redbook Magazine features Women’s World Banking in “7 Easy Ways to Save a Whole Family from Poverty”

“…Learn how microfinance creates miracles. “When women are economically empowered, they’re more likely than men to put money back into the family and spend on things like education for their kids, health care for the whole family, and improving their housing,” says Mary Ellen Iskenderian, the president of Women’s World Banking, an organization that helps low-income women entrepreneurs in 27 countries. Microfinance gives these women access to capital they’d never qualify for at traditional banks…”

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Women’s World Banking Partners with ACLEDA Training Center to Enhance Management Quality in Microfinance

27 participants from 15 institutions in 5 countries in the Asia Pacific region came together in Cambodia from January 16 to 21, 2012 for Women’s World Banking’s (WWB) Center for Microfinance Leadership Management Development Program and Training of Trainers (MDP TOT), a 6-day course aiming to develop transformational skills for managers of microfinance institutions (MFIs).
 
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Road Map for the Microfinance Industry: Focusing on Responsible and Client-Centered Microfinance

In less than 40 years, microfinance has spread around the world, today providing access to credit and other financial services to more than 205 million poor clients,1 most of whom were previously ignored by mainstream financial institutions. From modest roots, microfinance has built a global network of institutions dedicated to serving low-income people. It has transformed our understanding about the power of opportunity.

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Mary Ellen Iskenderian blogs for Financial Access Initiative (FAI) on “The Year in Microfinance”

 

“As CEO of a global microfinance network I spent much of 2010 answering questions about the crisis in India and advocating for the continued relevance of microfinance as a model. This year’s challenges, however, gave me an opportunity to talk about the essential role of transparency and good governance and the importance of building on a deep understanding of client needs to tailoring products to fit those needs.

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VIP Corner: Mary Ellen Iskenderian on being a smart philanthropist for Big Think

“…A strong philanthropist leader in her own right, Mary Ellen Iskenderian, president and CEO of Women’s World Banking, said she believes that individual leaders can affect not only the lives of others, but also the world at large.

“In coming to Women’s World Banking, I’d say, the greatest privilege is that I meet — literally, daily — women who are clients, who are leaders of our institutions, founders of our organizations, whose lives, if left to their own devices, would have gone in a very, very different path,” Iskenderian said…”

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Happy Holidays From Women’s World Banking!

WWB has a vision that one day all women will have access to a secure financial future for themselves and their families. We work with our 39 network member institutions, including CECM in Burundi, to help them create sustainable financial solutions for women and girls. Microfinance is about much more than credit, and has the capacity to help more than entrepreneurs. Our network reaches more than 26 million clients, 80 percent of whom are women. The key economic priorities for poor women continue to be health care, the education of their children, and housing.

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WWB Global Dinner 2011

On March 21, 2011, Women’s World Banking held its annual Global Dinner Celebration at Capitale in New York City. We were delighted by the confluence of over 400 men and women from different corners of the world who came together to celebrate women entrepreneurs and to support financial inclusion for the poor.


WWB’s annual dinner honors women who have championed and advanced the cause of empowering women.

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Who Should Get What and Why? Financing Economic Justice for the World’s Poor

While world poverty has decreased over recent years, we still live in a world where economic justice has not been achieved. Almost two thirds of the world’s people live without the security of knowing that they can earn enough to sustain themselves and their families.

This means they are unable to do the things we take for granted – like sending their kids to school, being able to go to a doctor, having a job, or even having access to land to grow food. The poorest of the poor (just under 1 billion) don’t even know where their next meal is coming from.

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Microfinance: Why does it matter? Where can you take it?

A topical discussion with leading experts on the development and impacts of microfinance around the world. Chaired by Lori Bittner, a director in Deloitte Consulting LLP focused on emerging markets, the event will feature a panel discussion among experts from both the commercial and non-profit sectors.

Microfinance is an area of considerable research and attention in the economic development community. The Deloitte Northeast International Business Resource Group (IBRG) hopes to deepen understanding of microfinance and engage Deloitte professionals and guests by offering:

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WWB Network Member Enda Continues Operations Amid Tunisian Political Upheaval

WWB network member enda in Tunisia, which has 60 offices nationally, continues to operate amid a change in government that has left the country in an uneasy limbo. Michael Cracknell, co-director of enda, wrote “We are naturally concerned for our operations and our staff, and especially our clients. I learned yesterday that at least three have died. But we are trying to keep our operations working since the clients need us more now than before, especially some whose businesses have been damaged.

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