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E30 - Seçil Yıldız, Sustainability and Impact Leader, Development and Investment Bank of Türkiye,
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What does it take to finance a country's transition to a more sustainable economy? In this episode, Seçil Yıldız, Sustainability and Impact Leader at the Development and Investment Bank of Türkiye, speaks about the role development finance can play in accelerating environmental and social progress. Seçil shares how her team works at the intersection of finance, policy, and impact and how they help channel capital into renewable energy, circular economy initiatives, water resilience projects, and businesses that are creating better opportunities for women. We also explore why development banks are often the first institutions willing to finance emerging technologies and ideas before they become mainstream. Most importantly, Seçil reminds us that sustainability is not simply about reducing harm. It is about creating long-term prosperity for people, communities, and future generations.
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- Visit our website: womenchangingfinance.org
- Follow Seçil on LinkedIn
Women Changing Finance is part of the Impact Alpha Podcast Network.
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Transcript
Introduction to 'Women Changing Finance'
00:00:05
Speaker
Hi, welcome to the podcast Women Changing Finance, where you will discover amazing women from all around the world who are making finance become a force for good.
00:00:21
Speaker
Welcome to the podcast Women Changing
Guest Introduction: Sitcho Yoldis
00:00:23
Speaker
Finance. I'm Cristina Tora and I'm welcoming today Sitcho Yoldis, sustainability and impact leader at the Development and Investment Bank of Turkey. I met Sitcho a few years ago and I have been really impressed by her passion and energy to create positive social and environmental impact in Turkey.
00:00:40
Speaker
I'm thrilled to have her on the show today. Welcome Sitcho.
The Impact Ecosystem in Turkey
00:00:44
Speaker
Hi. So as we begin, I would like for you to give us a picture of the landscape in Turkey, of the impact ecosystem.
00:00:53
Speaker
Thank you very much for your kind invitation. It's very, actually, I'm very much honored to be part of this very impactful event. And you are doing a great job in terms of like, I mean, touching the ecosystem and telling what impact is to the the entire impact ecosystem.
00:01:12
Speaker
So let me start with the history of impact and ESG sustainability within the
Turkey's Green Transition History
00:01:18
Speaker
country. Actually, as the Development Finance Corporation of the country, we are trying to support the country's green transition for many years because this is our mandate.
00:01:30
Speaker
We have to do it. But in terms of the history, actually, where we started with 2023, two thousand twenty three It was very much accelerated within the country. I mean, compared to European Union, it is they started the emission trading system in 2005 and they were the part to the paris climate agreement and in two thousand twenty three actually we were ah very much like, I mean, accelerated the process. Of course, as the country, we are the signatory to the Paris Climate Agreement. And after that in 2023, we did the sustainability reporting mandatory ah for the entire ecosystem, which very much helped to discipline the ecosystem and increase
Green Energy and Decarbonization Goals
00:02:17
Speaker
the awareness. And of course,
00:02:19
Speaker
accelerating the capacity building within the country. After then, we issued our climate law in 2025. And then of course, emission the regulation regulations related to emission trading system ah is in like force.
00:02:35
Speaker
Now for the time being, currently we are working on the a green taxonomy for the country and they will be in force within a couple of months. but we expect.
00:02:46
Speaker
So ah this is the situation within the country. And in terms of ESG, actually, as I mentioned, we did a lot. And in terms of green transition, actually, in the last 20 years, we increased our green energy capacity Four times.
00:03:05
Speaker
I mean, for the time being, 61% of the entire installed cap capacity, installed energy capacity is growing out of green energy assets. And in the next 10 years, in 2035, we are aiming to make it like 71%.
Circular Economy and Social Aspects
00:03:23
Speaker
Of course, you know, in all over the world, actually, the transition started on the environmental side. So we tried to first, I mean, to, of course, decarbonize the entire economy.
00:03:35
Speaker
And we very much like, I mean, give facilities, loan facilities to the companies who are doing their green transition. for building their ah green energy assets.
00:03:47
Speaker
So this is the reason why, how how we could increase our green energy capacity as the country. our energy plans were very much successful in terms of this green transition.
00:04:00
Speaker
So for the time being, actually in the last couple of years, we are working on the circular economy. We are very much working on water because as the country is in the Mediterranean basin, water stress is one of the most important issue for the entire Mediterranean basin as well as ourselves. So we are working on a vote And circular economy is very much important compared to the linear as for the time being, the entire world needs like five to $10 trillion per annum for green transition to make our net zero targets possible.
00:04:36
Speaker
as the world.
Mainstreaming Impact in Banking
00:04:37
Speaker
And what we can get from circular economies, I mean, in case the entire economy within the globe transfers to the circular from linear, the amount that will be created will be like $4.5 trillion per annum.
00:04:55
Speaker
This is a huge amount. So circular amount economy is very much crucial. I mean, we need to, as the resources are declining a lot, we need to use the wastes to further create economy, reuse them, and use them very, like, I mean, very, like, I mean, we we really need to, like, sensitive on the resources.
00:05:16
Speaker
So the focus is, for the time being, of course, very much on the social aspects as well. We do not think that decarbonization is something, like, I mean, very much different from biodiversity, for example, or the social, like, I mean,
00:05:36
Speaker
prosperity, human prosperity. So we are currently working on like, I mean, equity, of course, maybe like, I mean, we are trying to make everything equitable between men and women.
00:05:50
Speaker
So women employment is very much crucial. And of course, on the social side, i mean, reducing inequalities is very much crucial. So we we are focusing on all 17 SDGs as well as art as well, because we very much believe in the creative education economies as well.
00:06:10
Speaker
So they are a very much, I mean, cultural issue and a part of, indispensable part of the entire human prosperity. So we focused on those ones as well.
00:06:22
Speaker
But coming to the impact itself, actually impact is not mainstream within the country for the time being. is It is not all that the case all around the world actually.
00:06:34
Speaker
We are very much trying to make it the mainstream, but it our initial purpose all around the world is like i mean to mitigate the negative effects we did on the earth in terms of environment and social aspects.
00:06:52
Speaker
up until now. So creating further impact is like a luxury for the
Development vs. Commercial Banks
00:06:59
Speaker
time being. so But as the bank, of course, we are the first signatory to the IFC principles, open principles, and we are on the advisory board of Global Impact Investing Network.
00:07:13
Speaker
And we are trying, we be already committed that we are we they are going to do each and every operation we are doing, be it loan or advisory services or any banking services, we will create further impact on the earth, on the society or environment. This is our commitment and we are doing it great good actually.
00:07:35
Speaker
For the time being, like almost all of the, like 78% of the entire loan portfolio is very much linked to the SDGs, 15 out of 17 SDGs.
00:07:47
Speaker
And what we are, and and I mean, we are actually the only bank within the country which uses OECD gender duck marker. So we are giving scores to the companies in terms of whether they are human friendly or not.
00:08:03
Speaker
And in case they are, then we do provide further incentives to the clients. Like, I mean, Women employment isn does not mean that a company is women friendly.
00:08:16
Speaker
So what we are trying to do is actually we are like, I'm creating anonymous previous mechanisms, which makes further comfortable for the women, the workplaces.
00:08:27
Speaker
We are trying to actually initiate the daycare centers for women because That's very much crucial to make the women employment sustainability within years.
00:08:39
Speaker
So we are doing a great job in terms of that. And for the time being, actually 13 out of the entire portfolio it did get a score.
00:08:50
Speaker
So we we put some KPIs, we are doing it for the last three years. we We are putting some KPIs to the companies and for the projects as well. and Then we are reviewing, we are closely pursuing them and in case they do it, we get further good scores and they are getting the benefits of it.
00:09:09
Speaker
Yeah, that's really amazing. You touched on so many issues, like from the energy transition to circular economy, to kind of gender equality and and how gender equality can be implemented in businesses.
00:09:22
Speaker
My question is for the audience who may not know what a public development bank is and how it's different from a commercial bank. Can you explain and perhaps explain Highlight with one, I don't know, achievement or one specific example of investment where sustainability has been a a key factor of decision.
00:09:43
Speaker
Yeah, kind of illustrate with an example how you balance the sustainability and development objectives with the financial
Funding Sustainable Technologies
00:09:50
Speaker
ones. yeah Thank you very much for the question. Actually, up until now or up until a couple of years ago, development finance corporations were only the pioneers and like, I mean, the only instrumental organizations who made this sustainable transition possible.
00:10:08
Speaker
But the paradigm has changed. do You know, I mean, we are all in general as the world trying to cope with this, like, I mean, climate change. So what the commercial banks are doing is they are providing, they are trying to provide further sustainability linked loans or green loans to the companies for green transitions because and they are getting the funds with their green transition commitments as well.
00:10:34
Speaker
So this is a very much, I mean, accelerating process for the timing. A development bank differs from a commercial bank like this. I mean, development bank does not get any money from the individuals, but the funding resources are the multilaterals, development banks all around the world or ESG funds. So, or of course, euro bonds or those kinds of capital markets products and they get money from them and they provide to the companies, the local ones, local development banks provided to the companies within the country for their green or sustainable transition.
00:11:12
Speaker
But a commercial bank up until now again they get money from individuals as well of course they have some several diversified kind of funding resources and they get money and they do provide to individuals to companies to projects everything and the sustainability was not in the very like i'm a middle of their agenda up until now but as the paradigm changed all around the world Actually, the commercial banks very much focused on the sustainability-linked loans as well.
00:11:45
Speaker
And the second thing regarding the development finance institutions is actually we finance the projects when the project or when the technology is not commodity yet. So, for example, we finance the solar power plants when per megawatt, a capex amount was, capital expenditure amount was like $1.5 million. dollars We started it there and we financed for longer terms.
00:12:12
Speaker
And we tried to make it spread all around the country. And after that, for the time being, per megawatt capex is like $400,000, $500,000. because the technology is improving.
00:12:27
Speaker
So every each and every commercial banks can finance it easily before five, six years. We are still doing, we are still financing, but we we start as the development banks.
00:12:38
Speaker
We started when it is not a commodity as well for carbon capture mechanisms, for hydrogen, for the upcoming technologies. What the development bank is doing is they are pioneering technological development, green technological development, by financing the structures which are so-called not bankable.
00:12:57
Speaker
When it is bankable, of course, everybody can finance it. But for me, the definition of bank and bankable has changed as well. by the change of the paradigm. You know, I mean, in the initially actually as a development bank, we were very much, of course, different than the other commercial banks. We were doing it like this.
00:13:19
Speaker
So we were providing loans to the companies by analyzing the risks the ESG risks together with the financial risks. I mean, when we are analyzing a project, for example, a capital expenditure project and investment projects, we are doing the ESG angle as well. We are giving ratings in terms of ESG scores.
00:13:42
Speaker
So whether the company has any effect on the world, negative effect, in case there is any, then it's an issue for us. And we are trying to make it like very much aligned with the taxonomy. It's not
Assessing ESG Risks
00:13:57
Speaker
enforced yet, but we are doing it for many years, as I mentioned. ah The company has to affect the world in one way, in one good way. I mean, be it environmental or social.
00:14:07
Speaker
So this is very much crucial for us. First of all, they will not have any harm on the environment or society. And then should have a positive effect.
00:14:19
Speaker
And we are giving scores to the companies and projects as well. We are giving ratings as the other commercial banks are giving ratings to only financials. We are, of course, giving ratings to the financials as well, scores as well.
00:14:33
Speaker
We are a looking at the project and the company with a holistic approach. Means The ESG risks are very much in the middle of the assessment process. So in case there are some risks, we are treating it accordingly. And we are like, I mean, ah preparing some roadmaps for the companies.
00:14:55
Speaker
And then we are putting some KPIs for the years, for the first year, for the second year, third year. And we are closely following up with them, whether they achieved or not. In case they do not achieve it, we revise the roadmap. Of course, there are some like, I mean, many force majeures or those kinds of events growing out of climate or the other force majeure effects. And we are revising the roadmap. We are, again, I mean, like their friends, we are doing it together with the companies.
00:15:27
Speaker
And once they are there, then we all are very happy with the financing we are doing. So the main difference was this, I mean with the development banks, they cannot get money from individuals, they do get it from the funding resources, other funding resources and providing it to the clients, to the country for the sustainable transition.
00:15:48
Speaker
The second difference was whether it is not bankable in terms of finance, the development banks still finances some crucial investments to make it further spread within the ecosystem.
00:16:00
Speaker
This is the second thing. They are the pioneers of the transition. But as the is it development banks cannot get money from individuals themselves, the sources, fund of sources are limited.
00:16:14
Speaker
So the if effect is not that huge. The leverage is huge, by the way. I mean, we did, we are like, I mean, approximately 2% of the entire banking ecosystem within the country in terms of assets.
00:16:27
Speaker
But what we are doing is, I mean, we are like preventing 4% of the entire carbon emissions within the country. This is a huge leverage.
00:16:38
Speaker
In terms of ESG impact, we are doing it, but still it's not enough. I mean, so the other ecosystem should do it as well. And for the time being, a lot of commercial banks are very much like into the ESG issues and they prepared their frameworks, ESG frameworks, and they are providing sustainability-linked loans.
00:16:58
Speaker
And for the time being, our regulatory authority in terms of banking, banking regulatory and supervisory authority has issued a green ratio for the banks. There is no threshold, but still, I mean, it disciplines the ecosystem. What I am trying to tell is actually the entire ecosystem, the stakeholders are very much aware of the climate change and green transition, and they are all into the agenda
Collaboration for Green Transition
00:17:26
Speaker
altogether. And this is this collaboration and cooperation is crucial. And you know what, I mean, Turkey is going great.
00:17:32
Speaker
in terms of green transition because of this collaboration and cooperation. That's truly fantastic. And can you would say more about this collaboration, actually, between the public development bank and the commercial banks?
00:17:47
Speaker
Because from what you were saying, you are the first comer and you are here to, in a way, de-risk and kind of prove some maybe early concepts, some new innovations or things like that.
00:17:59
Speaker
And then you're kind of passing it on to the commercial banks or other commercial investors. Yeah. Can you say more about this collaboration? Sure. Actually, you summarized it very well.
00:18:12
Speaker
The development banks are not the only, like I mean, players or pioneers. Of course, the ecosystem itself, for example, for the time being, 42% of our entire export market is ah European Union.
00:18:29
Speaker
So exports go to European Union and it's a very crucial market for us. and they issued a carbon border adjustment mechanism for the six pilot sectors for the time, and including cement, aluminum, and iron and steel, and that hydrogen as well.
00:18:46
Speaker
So these are crucial sectors for us. And in case the sectors cannot like complete their transformation, then it's an issue. And the capex amounts for these sectors to be completed is not that small development can finance. So the other commercial banks adjust themselves to the ecosystem and they are providing loans for the transformation of the companies.
00:19:14
Speaker
This is like, I mean, a chicken egg issue. I mean, in case there is a demand, then the banks provide those kinds of loans to the companies themselves. So of course we are the pioneers. We are trying to find the best bankable waste structures and the commercial banks replicate it.
00:19:33
Speaker
that We help them for capacity building as well in terms of capacity building, but we are not the sole, like, I mean, a player, which makes it possible. we are an important player, but the other stakeholders are doing great as well. I mean,
00:19:48
Speaker
There are three stakeholders in terms of transformation of the industries. The regulator, the investor, and the financier. In terms of regulator, actually, regulator should do everything properly, issue the legislation accordingly, incentives as well. I will come to that.
00:20:07
Speaker
And then investors can make the investments possible, but all should put their hands under the stone. I mean, the investors should expect the lower IRR, but the sustainable IRR, because that higher IRRs or profits are not possible in the long run, considering the climate change. So What we are trying to do is make it sustainable for the entire stakeholders. And then in case the investor does it because the regulations are there, the financiers provide the loan. Of course, the development banks are the first runners, but the others come afterwards in case there is any demand. This is how we concluded the the ah green energy transformation within the country.
00:20:55
Speaker
It was really, I mean, like become four times of the initial one. The regulator issued feed-in tariffs for the green renewable assets. The banks provided like 10 years loans in terms of maturity and the investors did it because the feed-in tariff was there, the finance was there, and they did it and the country achieved it. This is a important cooperation, but you know, we know a lot of like experiences in terms of like, for example, circular economy models, right? I mean, in Europe, for example, one of the companies did it very properly on the technology side, but in case the demand side is not secured, then no, the project can be feasible in terms of technical aspects.
00:21:44
Speaker
But if it is not feasible in terms of finance, then it can not continue in a sustainable way. So we need to secure the demand side as well. To secure the demand side, for example, in case the government gives further incentives tax or other kind of incentives for the production in circular way, then the demand to the output they produce will be higher. right so This collaboration and cooperation is very much important. and
00:22:17
Speaker
Starting from the very beginning, the design should be done by the three stakeholders. so that the technologies can be if possible. Transformation from linear economy to circular economy cannot be achieved only by investor or financier.
00:22:33
Speaker
The regulator should be there as well. So we did it by bringing together, coming together with all the stakeholders and we could achieve it. That's really amazing. And I love how you explain this collaboration between the different stakeholders and how important is also to bring in the the government as the regulator and in
Technological and Social Inclusion Projects
00:22:53
Speaker
the mix.
00:22:53
Speaker
Look, this is also an opportunity to celebrate and to think about your achievements. So can you tell us about something that you achieved that you're really proud of Yeah, tell us about maybe a project or an investment that you made that was really successful.
00:23:10
Speaker
Sure, as the bank, right? I mean, what we are trying to achieve is actually, as I mentioned, I mean, sustainability is very much crucial. It's in the on the very top of the agenda. So what we did is there is one project, the largest ah solar farm in the Europe and in Turkey as well. We financed it.
00:23:31
Speaker
The donor was an European investment bank. and we did it fit together with other like ECAs as well. Initially, the area was a desert in the country. It's like semi-desert.
00:23:44
Speaker
and There was no plants, nothing there. There were only some homes for, I don't can't remember the name of the animal, but let me check it just a second.
00:23:55
Speaker
There was homes for securals and the donor which provided the money to our bank ask to relocate their homes because in case they are not there, then the the ecosystem will change, unfortunately.
00:24:13
Speaker
We did it. We prepared, constructed homes for them as well. And I went and sold it. Initially, when we were financing and when the construction was being done, as I mentioned, it was a desert and we used tracker system there for the panels.
00:24:30
Speaker
Panels are usually, I mean, doing like, I mean, on a horizontal base and they don't move. But the tracker system, they are moving across the sunlight, according to the sunlight, to use the sunlight further, to make it further efficient in terms of using the sunlight.
00:24:49
Speaker
So in two, three years period, and Actually, it let me of course specify another thing regarding the project. The donor very much insisted on using tracker system and they said that they would provide grants, some part of grant for the project in case the investor uses tracker system, solar panels.
00:25:10
Speaker
We couldn't understand it at that time. and After that, in two, three years after the construction was made, we went and visited the site. And what we saw is there were plants on the desert, a lot of plants, including endemics as well.
00:25:26
Speaker
We were very much surprised. The microclimate under the solar panels made it possible to grow further plants. you know I mean, actually, the tracker system is a technological improvement, of course, but which we couldn't understand initially.
00:25:43
Speaker
But after a while, we understand that it is crucial to create further plant resource with the technological improvements.
00:25:53
Speaker
I mean, we always say that the, like, I mean, green transition, like making further solar farms or wind farms will help the world to decarbonize, to transition to a lower carbon economy.
00:26:06
Speaker
But when green transition is not enough, I mean, the resources are very much limited. The technological improvement will help us like this one.
00:26:17
Speaker
The human population on the earth is growing for the time being is 8.2 billion and it will go up to 10 point something in 2050. So the people will increase, the drains will increase unfortunately because the global warming, the food will be further limited.
00:26:36
Speaker
But this technological improvement progress very much shows us that with the technological improvements, the people are going to have further can have further foot with these improvements. This is like a very good example of trend transition. And in terms of like, I mean, inclusion, it's crucial for us as well.
00:26:58
Speaker
I will not give an example from this project, but from some other parts of the sub-Sahara region, for example, I will come to the social aspect. You know, the people, most of the people, not most, but approximately half of the people cannot reach the clean water, right? So they are migrating to other parts of the world, to the northern part.
00:27:19
Speaker
So in case in northern part, the energy transition is very much like I mean successful. After the migration, this will not be like enough for the entire community, right? So we need to further include the people all around the world inclusion is very much important. Leaving no one behind means this to us and it it is social part, social impact of the, like, I mean, ESG process.
00:27:48
Speaker
So while we are doing our work, projects. We did it in this project as well. I mean, we very much focused on the farmers which are feeding their ships under the panels.
00:28:02
Speaker
So we are trying to include entire stakeholders and as the world we need to include all stakeholders, all human beings, individuals, plants, animals as well, to make it further possible in case we leave anybody behind.
00:28:17
Speaker
We are very much aware that we are not going to sort out the climate change ah issues properly. So this is one project which we are very much proud of.
00:28:29
Speaker
Of course, we are doing a lot of projects. I mean, we are like providing loans to companies who are like hiring women, let me check again, just a second. i can't remember the English versions.
00:28:42
Speaker
Women truck drivers. I mean, a company, for example, has a lot of women truck drivers and we are like providing loans to them so for increasing women employment. This is not an actually romantic, not without romantic purpose. It was a need at that time. And so how we are looking at the project is in case, I mean,
00:29:04
Speaker
You know, the ESG issues are not that romantic issues. It's not about loving animals or plants. It's a need and we need to find a way to live with the nature friendly.
00:29:16
Speaker
And we need to have prosperity for all, for ordinary people, ordinary, every individual. So what we are trying to do is we very much focus on prosperity issue as well, because it's not about breathing good air, right? I mean,
00:29:33
Speaker
it's ah or feeding ourselves or drinking water. It's about having a life who is like i'm mean prioritizing the human prosperity. So ah we very much focus on that when we are doing all our operations.
00:29:48
Speaker
Thank you. I really love these examples because they're very concrete and you have really explained from the start how they developed and what was both the environmental and also the social
Women's Role in Finance
00:29:58
Speaker
impact.
00:29:58
Speaker
I mean, I want to move to a question that is more personal, but I asked this question out of all of my guests. How does it feel to be a woman doing this job?
00:30:10
Speaker
It's great. Actually, for me, my personality is totally different. It doesn't affect me, whether being woman or a man. I mean, I'm very happy that I'm a woman and I would like to do something for the world I'm living on, I mean, for the earth.
00:30:27
Speaker
So I would do the same if I was a man as well, but I'm doing a lot of good things for women because I can understand better the women, how they feel.
00:30:38
Speaker
It's good. I mean, I'm very happy. I'm honored, proud to be a woman. That's brilliant. Thank you so much. And I have three quick questions also as we finish.
00:30:49
Speaker
What is keeping you optimistic?
Optimism for Human Adaptability
00:30:51
Speaker
But just keeping me optimistic, I very much ah believe in the adaptation habits of the human being, you know? I mean, this made us, this made the life possible for the entire, like, I mean, ah hundreds of years. So this adaptation suggests that will help us. And even sometimes we do not make it properly.
00:31:16
Speaker
Once the problem is there, I'm sure the people will collaborate further and do it possible. So I'm sure we will find a way. I'm always optimistic, by the way. I'm i'm realistic.
00:31:27
Speaker
I'm not that optimistic. I am realistic, but I believe in the adaptation skills and the, let's say, that the intention on the making the life sustainable on the earth.
00:31:42
Speaker
Super, thank you. And who or what is inspiring you?
Finding Inspiration in Everyday Life
00:31:47
Speaker
Everything is inspiring me actually. at flower A like I'm a cat, a person, everything.
00:31:54
Speaker
Each and every day I'm inspired by everybody. I mean, with my from my colleagues, from news, from an actor, from a flower, everything can inspire me.
00:32:08
Speaker
That's brilliant. Just finding the inspiration and the positivity in different things around us. That's really profound. Thank you. And are you reading anything that you would recommend to the audience?
00:32:21
Speaker
I'm reading, actually, I'm very much on the social media and I am trying to like follow all news. Of course, i'm and I am trying to select what is correct, but it's not.
00:32:33
Speaker
I am following up the science people. what they are telling in terms of Earth. I like astrophysics a lot. I could not give any specific name, but I am following a lot of like sites. sides I like it so much, as I mentioned. i am watching ah TVs, the documentations.
00:32:54
Speaker
I like them so much. I very much recommend, I mean, people like, they they like different things. So whatever they like, I would very much recommend to align with their, like, I mean, interests.
00:33:08
Speaker
In case they are interested in any art, for example, that would be more interesting for them. But everything is crucial. I don't think that anything I'm doing is more important than the others are doing. So The only thing I would recommend is have like appetite for the life, have interest in the life and do whatever you do, but have like, I mean, how can i tell it?
Call to Action for Sustainable Living
00:33:36
Speaker
Excitement for the thing you are doing. That's so beautiful. And that's a really great call to action. That was also my last question. Do you have any final thoughts or asks of the listeners as we close this call?
00:33:51
Speaker
Actually, what I would say is I would very much recommend to understand that, I mean, what we need is we need to find ways to make the life sustainable on this planet.
00:34:06
Speaker
This is the only planet for the time being which we think that life is going on. So we need to understand and think in all our steps that we need to make it further possible for our child, for the upcoming generations.
00:34:21
Speaker
And in case we do so, each and every impact is very much crucial. I mean, don't think that it is small or big. Do whatever you can make.
00:34:32
Speaker
Even loving a cat is a big impact on the world. I would very much recommend to be friendly with the nature, with the ecosystem, with all individuals all around the world.
00:34:44
Speaker
Yes, that's beautiful. Reconnecting with each other and reconnecting with nature. Thank you, Sechia.
Conclusion and Listener Engagement
00:34:50
Speaker
This has been a really great conversation. Thank you so much for your time today. it was really wonderful to have you. Thank you.
00:34:57
Speaker
Thank you very much. It was great. actually for me as well. And you are doing really a great job. And i will listen all other podcasts starting from Navanya. You are really moderating great. Thanks a lot.
00:35:10
Speaker
Thank you.
00:35:14
Speaker
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00:35:26
Speaker
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00:35:37
Speaker
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00:35:52
Speaker
Women Changing Finance is part of the Impact Alpha podcast network. Smart conversations by and for impact investing professionals.