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Clap for our carers? I only heard it once; I was working the rest of the time

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In many ways, March 23, 2020, can be looked back on as a date that shifted the tectonic plates of all our lives irreparably. After weeks of reports of a new strand of virus flooding in from all different corners of the globe, the UK implemented its most draconian laws since World War II in a bid to keep us safe.

The coming days saw Brits watch on anxiously at the likes of Italy and France as the two nations began to record both cases and deaths in their droves. Most were under no illusion as to who would be next, and low and behold, April was arguably one of the darkest months in British history, as Covid claimed the lives of 900 people in just one day.

Throughout lockdown, images intended to inspire were plastered on national news via the living room windows of homes up and down the country. Artwork thanking the NHS for their efforts as they strived to not buckle under the weight of hospital admissions were stuck on people's windows and doors. For ten weeks, the country would gather at 8 pm for a two-minute clap in honour of the hero's battling a virus with little more than their washed hands and an apron.

Fast forward to September, the sound of the claps all but drowned out as the pursuit of normality hastens - restaurants have fired up the ovens, pubs are pouring pints at familiar rates whilst clothing shops have opened their doors once again. To many, the horrors witnessed in March and April feel like a lifetime ago.

However, the drastic lifestyle changes forcefully implemented all the way back in March are all they have grown to know. When asked to discuss the effects the pandemic has had on adults with disabilities that require supported living, one care worker - who wishes to remain anonymous, gave a damning account of negligence from those at the top.

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"Most care homes of adults with disabilities are still in full lockdown. Nobody gave supported living workers any advice."We were never considered for hazard pay; it was never a thought that care workers should get hazard pay. We are on minimum wage - all we got told was how much we were helping the economy; we were all dropping like flies we were forced to work so much.

"Some may argue that with such a low quality of working life, why bother to stick around? Why risk infection mixing with others for such little reward? One does not support adults with learning disabilities without an abnormal amount of compassion, devotion, and care. "Some of us were paying double the amount of tax that we normally would because of how much we were working; we didn't see any more money.

To call us 'low-skilled workers', while most of the country has been at home as we work 12-hour shifts, is an insult. Clap for our carers? I only actually heard it once. I was working the rest of the time."The debate surrounding PPE, or lack of it, has been one that will rage on long after the turn of the year. How a nation as advanced as the United Kingdom let its frontline staff in hospitals go to war with a virus so lethal with so little in their armoury will remain a blemish on this government's tenure. Sadly, the story remains the same for those working in care homes.

"We were only given four items of PPE each; shoe covers, aprons, gloves, and a disposable mask. All of them were delivered apart from the masks; we didn't get our first set of masks until someone had already tested positive." A tragic but fitting anecdote that ironically typifies the actions of a country that has, throughout this pandemic, opted to wait until the worst-case scenario strikes rather than seek to gain an advantage over the virus and its transmission.

The impact of the virus itself and the implementation of lockdown cannot be overstated enough.

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"Trying to tell an autistic person that they can't go and do their usual routine - it damages them. I used to think about how I was going into work, dealing with even more challenging behaviour physically and mentally from residents all day due to the lockdown preventing them from what they know as normal, and they don't understand that. A lot of them don't have an understanding of what Covid is.

"With lockdowns so strictly enforced, you are undoing so many years of work. Support workers and psychologists have worked so hard to make life better for them, and lockdown has sent it back to stage one."

The fact so little has been heard from a community that has dealt with the virus in trickier conditions the most is perhaps a testament to how many in society view adults with learning disabilities such as Autism & Down Syndrome as if they are expendable, cast aside as little more than an afterthought to anyone who needn't trouble themselves with the thought of a group of support workers embarking on grueling 14-hour shifts every day to provide a basic level of care.

Many adults who occupy these supported living facilities have varying secondary health conditions alongside their disability. Something that posed a larger threat than usual in recent months, with some doctors reluctant to see patients at the height of the pandemic.

"We tried to make doctor's appointments for our residents during covid, and we couldn't. They weren't seeing people. Even for those who needed it most, regular essential check-ups were rescheduled for whenever.

"Trying to do a phone consultation with a doctor and a resident who is non-verbal, it's probably not going to work."

For many adults with a learning disability, the chance to tell their story has been cruelly taken from them. Too many obstacles, too many things deemed a bigger 'priority', it requires first-hand accounts of those brave enough to share them on behalf of those voices so often ignored.

Stories such as this paint a picture that shows how little empathy and understanding have been shown towards this community when they needed it most.

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Women founders continue to come up against common challenges and biases

Written by Kelly Devine, Division President UK & Ireland, Mastercard

Starting a business may have historically been perceived as a man’s game, but this couldn’t be further from reality. Research shows women are actually more likely than men to actively choose to start their own business – often motivated by the desire to be their own boss or to have a better work-life balance and spend more time with their family.

The recently published Mastercard Index of Women Entrepreneurship 2021 found that in the category of 'Aspiration Driven Entrepreneurship’ – capturing those who actively choose to start their own business – women in the UK surpass men: 60% vs 56%. And Mastercard research from February 2022 found 10% of female business owners started their business in the past two years compared to 6% of men – meaning women were 67% more likely to have started a business during the pandemic.

Yet, there are common challenges that women founders continue to come up against - not least the gender imbalance in the household and long-held biases which are still prevalent.

In the UK, women are almost three times more likely to be balancing care and home commitments than men, and this was exacerbated during the pandemic as the additional barriers of school closures and lockdowns meant that the care time of dependents rose significantly on a day-to-day level for women. In addition, women were less likely to have access to a home office, greatly impacting the work they were able to accomplish when working from home was the only option.

It's also widely known that female business owners are still more likely to struggle to access funding for their business ideas. According to Dealroom, all-women founding teams received just 1.4% of the €23.7bn invested into UK start-ups in 2021, while all-male leadership teams have taken almost 90% of the available capital.

Without financial support, and when juggling significant time pressures both at home and at work, how can women grow their companies and #BreaktheBias (as this year’s International Women’s Day termed it)? What tools or support can save them time and money, and give them the headspace they need to focus on building their business?

With female owned businesses collectively estimating revenue growth of £120 billion over the next five years, solving this problem is bigger than supporting women – it’s about supporting the national economy.

Using tech to level the playing field

There are clearly societal issues at play that need to be resolved. But when we look at the rise in technology businesses during the pandemic, we can plainly see an alternative source of support critical for business growth: digital tools.

A third of female business owners say new technologies will be crucial to the success of their business in the future and one in five say it is the most important thing for business growth.

With new technology comes new ways to pay, create, and work. And yet there are barriers that prevent business owners accessing this technology. Women are significantly more likely to say they want to use more digital tools but don’t know what is best for their business and also more concerned about the security of digital tools.

When technology is adopted by businesses – whether using online accounting solutions or messenger services for communicating with staff – it saves them time, allows them to maintain and grow their customer base, and ultimately increases cost savings and profit.

By drastically improving the training and support that is available to women-owned business to access and utilise technology we will allow these businesses to grow and succeed. And we know there is demand for it.

Research done by the IFC and Dalberg shows that female entrepreneurs are more likely to invest time and money in business development. This includes product development, customer base expansion, and digital tools and training and there are plenty of services available offering this type of support – many of them for free.

One such programme is Strive UK – an initiative of the Mastercard Center for Inclusive Growth – which aims to reach 650,000 micro and small business owners across the UK and empower them with the tools they need to thrive in the digital economy through free guidance, helpful tools and one-to-one mentoring.

Working together with small business experts – Enterprise Nation, Be the Business and Digital Boost – we hope to ensure hundreds of thousands of UK female business owners have the tools they need to succeed and reach their ambitious goals. Because this ambition remains strong in the UK, with female business owners largely optimistic about the future despite the multitude of challenges they are facing. Four in ten say they will grow their business in the next five years – compared to only a third of male business owners – and they’re also 35% less likely than men to say they plan to downsize or close the business.

But if we do not empower female entrepreneurs to access the tools and technology they need to grow, there is a risk this optimism could be misplaced. Support programmes that provide business owners with guidance and mentorship can help ensure this isn’t the case, allowing female entrepreneurs to not only survive but thrive in the months and years ahead.