 My name is Nickie Armacost, I'm the Managing Director and Co-Founder of Arc Finance, which is an organisation that links microfinance, entities and energy enterprises for the benefit of poor people. In my view, the social capital movement is sort of born out of the idea of doing well by doing good. And we ran a conference at the organisation that I was part of before Fy haf, credu archfincGG, nad yna john an我在fwyr y wenn ond te Byz Hubble for Microfinesc. Ac that was really the underlying premise that you could bring together investors and you could bring together philanthropists and you could bring together a set of practitioners from around the world who together, using their different sets of expertise could find ways to do well by doing good. So ArchfincGG is an organisation that's focused on linking micro enterprise o'ch gwaith i gyd rai'r cyntaf. Rwy'n ddweud o'r pethon microfinance sy'n ddweud yw o'ch gwaith microfinance yn ei ddechrau gael ddweud o'r cystafol i gael wneud eich cyflugiau. Ieithio i'r bwysig, i'r gwasu, i'r gwasu, i'n i ddweud i'ch gwneud gyda'r gwaith i'r gwasu a'i gael. Ieithio i'r gwasu, i'r gwasu, i'r gwasu, i'r gwasu, i'r gwasu, a'r fwyllt o'r fachos maen nhw. So, rydyn ni'n ddweud o ddweud o gael. Yn ymgyrch yn ddweud y ffordd ymgyrch o ddweudol yn ymgyrch ymgyrch, a'r ddweud o ymgyrch yn ymgyrch. Wyddi'r ddweud o'r ddweud o ddweud o ddweud yn ei wneud ymgyrch eich cynnig a'u cyfnodol iawn ymgyrch ar amser hynny, mae hwn ymgyrch yn ddweud. A yng nghymru, y meddwl yn ymgyrch say we want your biogastigestor, we want your solar panels, or we want your micro-hydro system, but we need money for that, and so they want to link with viable micro finance or financing entities that will help their client's access funding to purchase those goods and services. So, where a marriage broker between these two sets of actors who don't really lle sydd y ddechrau yma, yw bod y maen nhw'n dwylo hwnnw, a byddwn ni'n fyddio'n gafodd sy'n dweud a ddodd iawn o bach gyda niol amser i gael unrhyw ymwneud. Y cilynodd yn gweithio'r cyfryffredd mewn cyfrifio ar y ddweud o'r ddymaru cyfeirio of different people in this spectrum because I think there are actually quite different views that are captured in this social capital space from people who are really interested in profit maximisation to people who are really interested in development and there needs to be generosity of spirit and there needs to be dialogue and there needs to be a willingness to understand and listen to one another's positions in order to move together effectively and that means reducing suspicion, reducing silos, reducing all of that kind of competitiveness that one sees in building partnerships and building collaboration. I think for me what made me get involved in this movement, in the microfinance movement in the beginning was because I realised that I actually could make a difference in other people's lives. I could actually play a role in changing the world and that was hugely, hugely exciting for me and to meet, to be in a situation where I'm meeting on a daily basis people who feel that way and who not only feel that way are actually doing it every day in their work that's incredibly inspiring to me. Meeting young people from universities where they are in very privileged positions wanting to go after they've had an MBA and changed the world, that makes me so excited, it makes me thrilled to see that people want to do that so that I think is what inspires me.