Will cashless credits sow the seeds of success for Mexican farmers?
CategoriesSustainable News

Will cashless credits sow the seeds of success for Mexican farmers?

Spotted: Mexico is one of the world’s leading food producers, but more than 90 per cent of farmers lack access to formal financing, limiting their opportunities to invest properly in their fields. But Mexican agri-fintech Verqor is hoping to change that with its digital solutions for farmers. 

The startup is working to make credit accessible to every farmer in Mexico by using a financing process that takes into account the sector’s specific characteristics. Verqor analyses the actual paying capacity of a farmer by considering various data points, including normalised difference vegetation index (NDVI) factors (the greenness and density of crops), supply chain trends, weather patterns, and changes in crop prices. Unlike most traditional financial providers, Verqor also reviews information like a farm’s sales history, any contracts for selling their crops, and past inputs. This gives a more comprehensive view of a farm so Verqor can better assess credit viability.  

Verqor provides cashless credit quickly, so farmers can access the inputs they need to grow crops, including fertilisers, agrochemicals, organic products, trailers, and macrotunnels. Farmers repay the credit with their produce sales at the end of the crop cycle. This financing covers up to 90 per cent of a farmer’s initial costs, allowing them to invest in essential inputs that can help to improve produce quality and yields every cycle. 

The startup recently raised $7.5 million (around €6.9 million), including $4 million (around €3.7 million) in a pre-series A round led by Yara Growth Ventures. The funding will allow Verqor to expand its operations in Mexico and broaden its network. Verqor is also further developing its technology so that its approval process can be seven times faster than normal financing options. 

Springwise has spotted many innovations looking to digitise and reshape various industries, including an all-in-one digital health clinic for women, as well as a digital platform for energy retailers.

Written By: Anam Alam

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The Unsung Success Story of Increased Efficiency (And Why We All Need More of It)
CategoriesSustainable News Zero Energy Homes

The Unsung Success Story of Increased Efficiency (And Why We All Need More of It)

A number of organizations have charted a path to a decarbonized world by 2050 and broken down required action in four areas or “pathways.” The third pathway is often the unsung hero of our climate successes to date: efficiency.

Simply put, efficiency means using less of a resource to achieve the same result. The 1970s oil embargo and energy crisis inspired the modern energy efficiency movement in the United States, which led to a $360 billion energy efficiency industry. This industry managed to keep both energy and electricity usage flat over the past 20 years, despite the fact that the population has grown by 10% from 301 million to 331 million over the same period.

According to the American Council for an Energy Efficient Economy, over a 25 year period from 1980 to 2014, efficiency investments resulted in a 50% improvement in US energy intensity. This means that while energy use increased by 26%, overall gross domestic product (GDP) far outpaced energy use, increasing by 149%.

These decades of unsung progress have significantly reduced energy use in buildings, industry, and transportation and thus lowered demand for more fossil fueled power. Amidst the doom and gloom of the climate crisis, it’s important to remember to celebrate and amplify what we humans are doing right. Efficiency falls on the bright side of the “best of times, worst of times” dichotomy, so let’s make sure to give ourselves credit for our successes.

We might call efficiency the low hanging fruit on the pathway to decarbonization. There’s so much more to be picked.

Efficiency sometimes gets a bad rap because it so often includes messages of scarcity like “reduce” and “limit,” and can feel like doing less bad rather than more good. This narrative suggests that people have to sacrifice or change their lifestyle, which few of us want to hear. But this is largely a communication problem.

Amazing advances in technology mean that our homes and vehicles can use less energy without anyone noticing, and without sacrificing our quality of life. For example, refrigerators use 75% less energy now than they did a couple decades ago, and they perform better and cost less. Light bulbs have followed the same trend, accounting for 10% of an average home’s electricity consumption in 2015 and only 4% in 2021, thanks to LEDs. A decarbonized life has many advantages and thus offers a narrative of abundance rather than scarcity. Denmark uses about 40% of the energy that the US uses and yet it’s recognized for the second highest quality of life in the world.

Taking efficiency to the next level

While we celebrate all these society-wide gains in efficiency, in our family we find it easy to take efficiency to the next level. We believe the climate crisis asks this of us. For us, being efficient and wasting less involves both:

  1. Technologies—the products, appliances and fixtures in our home that reduce energy use through their operations. Think efficient appliances, insulation, LED lighting, etc. (shower heads are a personal favorite), along with what we call the “big moves” of heat pumps for space and water heating, which cut home energy use by a whopping 50% to 75%.
  2. Behaviors—the routines, habits, and practices we form that have a measurable impact on carbon reduction. Think hang-drying laundry and eating less meat.

Combining both strategies will supercharge energy savings and make it easier for utilities, or rooftop solar panels, to provide all the clean power our household needs.

But it’s also clear that efficiency isn’t a silver bullet, and we can’t collectively “efficiency our way out” of the climate crisis. Many of the efficiency solutions of recent decades included enhanced methane and petroleum burning technologies, but no matter how efficient your gas furnace or gas car is, it’s still burning fossil fuels that emit the greenhouse gases that are changing the climate. This is why efficiency and the electrification pathway go hand in hand. It’s much easier to electrify everything and run our lives on clean electricity if we first reduce our energy needs.

At the same time, while some proponents of electrification believe we can decarbonize without worrying much about efficiency, a commitment to efficiency is undoubtedly the best way to make electrification work. Efficiency lowers how much new renewable electricity we’ll need in the coming decades.

Household efficiency strategies

Our family’s efficiency strategies (which mostly now feel old school) include blowing in extra cellulose insulation into our attic, to increase home comfort, and air sealing all the penetrations so conditioned air doesn’t sneak out. Other strategies include installing low-flow shower heads and faucet aerators to reduce both water use and the energy needed to heat the water.

Over the past decade, we also replaced most of our old appliances with ENERGY STAR–certified, all-electric, super-efficient ones, and opted for heat pumps to heat our home and water and to dry our clothes, because heat pumps are the most efficient way to create heat. We also practice easy passive cooling techniques during our increasingly hot summers, which most of the time means we don’t need air-conditioning. Finally, we bought our home in a neighborhood with a high walk score so that we can move efficiently and walk, bike, and ride transit whenever possible. All these efficiency measures make it easier for our family’s 28 solar panels to meet most of our home and transportation energy needs.

All in all, efficiency is a crucial pathway to both personal and societal decarbonization. And whether you sing it’s praises or not, we’ve all gotten a lot more efficient in how we use energy over the past decades. It’s time to build on this success and continue to find ways to use electric, renewable energy better.

This article is part of a series by Naomi Cole and Joe Wachunas, first published in CleanTechnica. Through “Decarbonize Your Life,” they share their experience, lessons learned, and recommendations for how to reduce household emissions, building a decarbonization roadmap for individuals.

The authors:

Joe Wachunas and Naomi Cole both work professionally to address climate change—Naomi in urban sustainability and energy efficiency and Joe in the electrification of buildings and transportation. A passion for debarbonization, and their commitment to walk the walk, has led them to ductless heat pumps, heat pump water heaters, induction cooking, solar in multiple forms, hang-drying laundry (including cloth diapers), no cars to electric cars and charging without a garage or driveway, a reforestation grant from the US Department of Agriculture, and more. They live in Portland, OR, with two young children.

 

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Free Webinar: How to Estimate Fees (An Architect’s Guide to Success)
CategoriesArchitecture

Free Webinar: How to Estimate Fees (An Architect’s Guide to Success)

Architects: Ready to start mastering fees and better understand what they mean for your bottom line? We’re excited to be joined by Douglas Teiger, FAIA, founder of Teiger Consulting, for an insightful new webinar that will demystify the process and help you (and your firm) become more profitable.

As a bonus, architects can receive 1 AIA Continuing Education Credit for this event, courtesy of BQE! Hit the button below to sign up for the talk, which will take place at 1pm EST on Wednesday, February 8th:

Register for Event →

In this free live session, you will learn how to define your project scope, develop a Rough Order of Magnitude of construction cost, and estimate your project hours. We’ll finish off with how fees are broken down and explore a simple system to improve your overall project profitability.

By the end of the session, you will learn how to:

  • Identify the correlation between project scope, estimated cost of project, and fee.
  • Develop a Rough Order of Magnitude (ROM) of construction cost in a simple way.
  • Create a top-down approach to fee estimation based on a percentage of costs as a guideline.
  • Estimate fees whether hourly or fixed fee projects.
  • Define how many hours you have in each phase and how to manage those hours.

Join Douglas and Paul for what promises to be an engaging presentation — there will also be an opportunity to ask Douglas any questions you may have around estimating fees, improving your profitability and more. You can register for the talk here — we hope to see you there!

About Douglas

Douglas Teiger, FAIA, graduated from Cornell University, in 1982 with a BARCH. He opened his own firm in 1989 and grew from a solo practitioner to become managing partner of his 32-person firm. In 2009, Douglas received a Master’s in Spiritual Psychology from USM, where he learned tools and skills he is sharing with his staff and clients. His ability to effectively streamline the operations allowed for more time to be spent on design and project research while creating a culture that fosters a holistic approach to a work life balance.

In 2017, he served as President of the AIA Los Angeles Chapter and previously served on the AIA National Strategic Council. In 2019 Douglas transitioned out of his firm elevating three associates to partners, sold his shares and started his next venture, Teiger Consulting. Douglas’s mission is to “live an inspiring balanced life” whether it involves family, coaching, consulting, painting, or sports.

About Paul

Paul Keskeys is Editor in Chief at Architizer. A registered UK architect, Paul graduated from UCL and the University of Edinburgh, gaining an MArch in Architectural Design with distinction. Paul has spoken about the art of architecture and storytelling at many national industry events, including AIANY, NeoCon, KBIS, the Future NOW Symposium, the Young Architect Conference and NYCxDesign. As well as hundreds of editorial publications on Architizer, Paul has also had features published in Architectural Digest, PIN—UP Magazine, Archinect, Aesthetica Magazine and PUBLIC Journal.

Register for Event →

Reference

“The Architecture of Motherhood”: A Guide to Success as an Architect and a Mom
CategoriesArchitecture

“The Architecture of Motherhood”: A Guide to Success as an Architect and a Mom

Send us a photo. Tell us a story. Win $2,500! Architizer’s 3rd Annual One Photo Challenge is underway with an Early Entry Deadline on May 27, 2022! Start your entry for architecture’s biggest photography competition here.

If you were to name the hardest occupations in the world, being an architect would undoubtedly be up there — but being a mother might the most challenging job of all! It is understandable, then, that the prospect of being both an architect and a mom simultaneously might feel like an insurmountable task. Juggling parental duties with professional responsibilities is undeniably daunting for many, no matter how great your support network may be.

Thankfully, it’s possible not only to cope with this challenge, but to thrive — and Gloria Kloter is here to tell us how. Now available for pre-order, her book The Architecture of Motherhood: Your Blueprint to Glow as a Business Woman and Mom details a multitude of ways in which women can be both a top professional and a stellar mother, without the need for compromise.

Gloria Kloter is the founder and CEO of Glow Architects, a successful architecture and interior design firm based in Florida. She has been working in the architecture field since 2004 and is an inspirational keynote speaker advocating for subjects like leadership, women in architecture, foreign architects, and motherhood. She’s a multi-award-winning architect who has been featured in major publications, news, and architecture magazines in the United States, the Dominican Republic, and worldwide.

In her preface, Kloter highlights a key disparity in numbers: “In its 2020 annual report, the National Architectural Accrediting Board (NAAB) revealed that 50% of the 26,977 students enrolled in NAAB-accredited architecture programs – B. Arch, M. Arch, and D. Arch– were female. This is a number that has been improving since the 1970s, yet the percentage of women who obtained their architect license, achieve upper management positions, become partners and own architectural firms have not increased at the same rate as men have. To date, data from the National Council of Architectural Registration Boards (NCARB) 2021 NCARB by the Numbers report shows that only 24% of the 121,997 registered architects in the United States are female.”

Data like this risks planting seeds of doubt in the minds of women starting out in the profession, and Kloter was no different in this respect. “Based on these facts, I was worried that if I started to grow my family, then it would be the death of my career,” she writes. “On top of it – and like most women experience – I was continuously pressured with unsolicited advice and opinions on how I needed to start having kids early and how as a woman, I should have a family or a career, not both. Many conversations around me implied an unspoken shame and a sense of guilt in wanting to still have a professional career after having kids.”

“Why would you want to keep working?! Aren’t you planning to have kids?!” – Someone once asked me, horrified after hearing about my professional aspirations when I got married. I was also once told that if I would try to take these two roles at the same time, I was going to fail at one of the two, or at both. It was important to choose between one role and the other, and focus on being successful at that single one. Period. Yet, there was a part of me that couldn’t accept this theory entirely. There had to be a better way.”

Kloter’s book contains a wealth of practical advice to balance home and work life, as well as powerful motivational tools to instill belief in women, encouraging them to embrace their capabilities to be renowned architects and incredible mothers. The following quotes provide a teaser for the words of wisdom that you can find throughout the book:

1. “Architecture is an interdisciplinary, collaborative, and creative world. The same can be said for motherhood.”

2. “Your support system can make or break you. It’s an essential piece of the puzzle to find the balance between motherhood
and business.”

3. “When thinking of tools to ease your professional life and motherhood, the first thing that comes to my mind is delegate,
delegate, delegate.”

4. “A thriving environment is where your weaknesses are balanced out by others’ strengths. This can be said in business and motherhood as well.”

5. “Don’t let other people’s limitations limit you.”

For a complete guide to success as both an architect and a mother, pre-order Gloria’s book today by clicking here.

Send us a photo. Tell us a story. Win $2,500! Architizer’s 3rd Annual One Photo Challenge is underway with an Early Entry Deadline on May 27, 2022! Start your entry for architecture’s biggest photography competition here.

Reference