ower ment , ▁and ▁is ▁a ▁frequent ▁speaker ▁at ▁events ▁and ▁con ferences ▁across ▁the ▁UK . ▁ ▁U Y DO ▁In ▁ 2 0 0 8 , ▁Esp en ▁founded ▁the ▁United ▁Youth ▁Development ▁Organ ization , ▁a ▁char ity ▁that ▁focus es ▁on ▁util izing ▁the ▁skills ▁and ▁tal ents ▁of ▁young ▁people ▁glob ally ▁to ▁raise ▁funds ▁and ▁capacity ▁to ▁invest ▁in ▁micro ▁lo ans ▁to ▁dis adv ant aged ▁youth ▁entrepr ene urs . ▁In ▁ 2 0 1 0 ▁U Y DO ▁was ▁dis cont in ued ▁due ▁to ▁fund ing ▁challeng es . ▁ ▁Esp en ' s ▁view ▁on ▁youth ▁and ▁micro fin ance ▁Esp en ▁arg ues ▁that ▁it ▁is ▁a ▁market ▁failure ▁that ▁young ▁people ▁have ▁more ▁difficulties ▁in ▁accessing ▁micro fin ance ▁services ▁than ▁their ▁‘ ad ult ’ ▁counter parts . ▁He ▁arg ues ▁that ▁young ▁people ▁are ▁just ▁as ▁capable ▁of ▁maintain ing ▁and ▁successfully ▁rep ay ing ▁a ▁loan ▁as ▁adult s . ▁Furthermore , ▁he ▁arg ues ▁that ▁the ▁development ▁return ▁of ▁invest ing ▁in ▁young ▁people ▁is ▁very ▁high , ▁and ▁that ▁young ▁people ▁have ▁important ▁characteristics ▁and ▁attributes ▁that ▁can ▁add ▁value ▁to ▁the ▁development ▁process . ▁He ▁arg ues ▁that ▁as ▁a ▁consequence , ▁the ▁development ▁community ▁needs ▁to ▁ensure ▁that ▁young ▁people ▁and ▁their ▁needs ▁are ▁being ▁included ▁in ▁any ▁development ▁programs ▁in ▁order ▁to ▁alle vi ate ▁the ▁market ▁failure ▁and ▁thus ▁optimize ▁the ▁positive ▁impact ▁that ▁young ▁people ▁can ▁have ▁on ▁economic ▁and