Business View Caribbean - December 2024

VOLUME 11, ISSUE 12 | DEC 2024 UNICOMER GROUP POWERING CARIBBEAN RETAIL WITH LOCAL INSIGHT AND GLOBAL REACH Errol Le Blanc, Managing Director

WWW.BUSINESSVIEWMAGAZINE.COM Email for all inquiries: info@businessviewmagazine.com 2422 Palm Ridge Road, Suite 820 Sanibel FL, 33957 239.220.5554 CONTACT US TITLE SPONSORS GREAT NEWS! Business View Publishing was named to the 2020 Inc. 5000 list of America’s Fastest-Growing Private Companies! Read the press release Editor in Chief Karen Surca Research Directors Mike Luchetta Andrew Alleyne Contributing Writers Dan Macharia Director of Production Jared Ali Director of Marketing Nora Saliken Director of Administration Michelle Siewah Digital Strategist Jon Bartlow Art Director Renée Yearwood Managing Director Alexander Wynne-Jones COO Matthew Mitchell Executive Publisher / CEO Marcus VandenBrink 1 BUSINESS VIEW CARIBBEAN VOLUME 11, ISSUE 12

EDITOR’S NOTES November has been a buoyant month for the Beautiful Caribbean region. Business growth is tangible and the housing sector is booming. As we quickly march towards 2025, the skies remain clear for this region as it rides an economic wave. Karen Surca Editor in Chief Dear Readers, 2 BUSINESS VIEW CARIBBEAN VOLUME 11, ISSUE 12

VOLUME 11, ISSUE 12 15 UNICOMER GROUP Powering Caribbean Retail with Local Insight and Global Reach COVER UNICOMER GROUP 2 EDITOR’S NOTES 7 OPENING LINES BEST PRACTICES IN BUSINESS AND ECONOMIC DEVELOPMENT UNICOMER GROUP 15 3 BUSINESS VIEW CARIBBEAN VOLUME 11, ISSUE 12

The articles in this publication are for information purposes only. Business View Publishing assumes no liability or responsibility for any inaccurate, delayed, or incomplete information, nor for any actions taken in reliance thereon. The information contained about each individual or organization has been provided by such individual or organization without verification by us. The opinion expressed in each article is that of its author and does not necessarily reflect the opinion of Business View Publishing. UNICOMER GROUP 15 4 BUSINESS VIEW CARIBBEAN VOLUME 11, ISSUE 12

Business View Caribbean provides media coverage for organizations operating within select industries. Our publication satisfies the need for industry-specific information and intel on key businesses across the Caribbean! Get BVC delivered straight to your inbox. Get updates on the latest business news. 100% FREE to subscribe! We respect your privacy, now & always. Click below to sign up for a FREE SUBSCRIPTION to Business View Caribbean and get each new issue sent directly to your inbox! SUBSCRIBE STAY INFORMED WITH CORE BUSINESSES FROM THE CARIBBEAN

INTERNATIONAL AIRPORT SET TO TRANSFORM DOMINICA HOLISTICALLY Source: https://thecaribbeannewsnow.com/, Caribbean New Editor, First Publichsed Nov 09th, 2024 Fidel Grant, Parliamentary Representative for the Wesley Constituency, has emphasized the holistic, transformative potential of Dominica’s International Airport project. Opening Lines 7 BUSINESS VIEW CARIBBEAN VOLUME 11, ISSUE 12

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Source: https://thecaribbeannewsnow.com/, Caribbean New Editor, First Publichsed Nov 08th, 2024 The centre of Dominica’s Kalinago territory, Kalinago Barana Aute, is about to change significantly. Recently, the Ministry of Tourism contracted with Alixon Laronde for XCD 275,668.30 to repair the roof of the administration building. DOMINICA TOURISM MINISTRY SIGNS CONTRACT FOR KALINAGO BARANA AUTE REVIVAL OPENING LINES 9 BUSINESS VIEW CARIBBEAN VOLUME 11, ISSUE 12

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Source: https://thecaribbeannewsnow.com/, Caribbean New Editor, First Publichsed Nov 01st, 2024 Barbados has again excelled in the tourist industry, having been voted one of the 25 Best Places in the World to Visit by National Geographic in 2025. BARBADOS ON OF NAT GEO’S 25 BEST PLACES IN THE WORLD TO VISIT IN 2025 OPENING LINES 11 BUSINESS VIEW CARIBBEAN VOLUME 11, ISSUE 12

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UNICOMER GROUP POWERING CARIBBEAN RETAIL WITH LOCAL INSIGHT AND GLOBAL REACH best practices IN BUSINESS AND ECONOMIC DEVELOPMENT 13 BUSINESS VIEW CARIBBEAN VOLUME 11, ISSUE 12

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POWERING CARIBBE LOCAL INSIGHT AND UNICOMER GROUP AT A GLANCE UNICOMER GROUP WHAT: L eading Caribbean and Latin American retail and financial services provider WHERE: O perating in 21 countries across the Caribbean, Central America, and South America WEBSITE: www.unicomergroup.com REIMAGINING THE RETAIL EXPERIENCE ACROSS THE CARIBBEAN, BLENDING BRICK-AND-MORTAR ROOTS WITH A MODERN DIGITAL EDGE. 15 BUSINESS VIEW CARIBBEAN VOLUME 11, ISSUE 12

EAN RETAIL WITH D GLOBAL REACH Established in 2000, Unicomer Group has grown into a powerhouse in the Caribbean and Latin America, making an impact across diverse sectors, from household goods and electronics to financial services and optics. Known for its signature brand, Courts, Unicomer is more than just a retailer—it’s a lifeline for customers who rely on credit options to improve their quality of life. With operations in 21 countries and a workforce of over 13,800, Unicomer is a dominant player in the region. 16 BUSINESS VIEW CARIBBEAN VOLUME 11, ISSUE 12

“Our purpose is to bring well-being and opportunity to our customers, whether that’s through the products we offer or the financial services we provide,” says Errol Le Blanc,Vice President of Unicomer Caribbean. He explains that Unicomer’s financial services are particularly significant. The company helps customers who might not qualify for traditional banking loans by offering credit for household items, business equipment, and even motorcycles. “We’re especially focused on supporting micro and small entrepreneurs, giving them access to credit they might not otherwise have,” she says, describing this service as a critical component of Unicomer’s mission. The group’s footprint in the Caribbean began with the acquisition of Courts, a well-established brand in the region.“When we bought the Courts operation in 2006, it was a big step for us,” Le Blanc recalls. This acquisition marked the start of Unicomer’s expansion across the Caribbean. This journey continued with a significant move in 2014 when the company acquired several well-known brands in Aruba, including AMC, Unicorn, and Price Hacker.These strategic purchases allowed Unicomer to solidify its presence in the English- and Dutch-speaking Caribbean. Le Blanc, describes the company’s growth since entering the Caribbean market. Originally focused on furniture and appliances with credit sales, Unicomer has diversified to include optical stores and financial services like cash loans. “We introduced optical stores and now offer a variety of financial services, including cash loans,” he says. Unicomer now offers loans for in-store purchases and personal use, which has become a key part of its business. Felix Siman, Caribbean Vice President & Managing Director, highlights Courts’ longstanding presence in the region.“Courts has become a staple and a strong brand,” he notes, customers using its credit services for over 30 years. Unicomer has also launched store and credit cards in markets like Guatemala and Costa Rica.Another major milestone was Unicomer’s acquisition of RadioShack, initially in Latin America and recently expanded to the U.S. market; the company also operates Ashley Homestore franchises, supporting its strategy to serve diverse income levels and market needs. EXPANDING IN TRINIDAD With a solid foundation in the Caribbean, Unicomer is doubling down on its investment in Trinidad and Tobago, focusing on expanding its retail presence, developing real estate projects, and growing its consumer finance offerings.The company has a new Courts megastore under construction in Port of Spain, a 40,000-square-foot retail space designed to elevate 17 BUSINESS VIEW CARIBBEAN VOLUME 11, ISSUE 12 UNICOMER GROUP

the shopping experience with expanded categories in gaming, electronics, and home furnishings. The new Courts megastore is part of a broader mixed-use development strategy that Unicomer is implementing in Trinidad. The project includes additional retail spaces that Unicomer will lease to well-known fast-food and coffee franchises, creating a comprehensive shopping and leisure destination. “We’re building a retail experience that goes beyond Courts,” Siman notes, describing plans to feature other popular brands operated by third parties. In tandem with its retail and real estate projects, Unicomer is also scaling up its consumer finance operations in Trinidad. As demand for quick, accessible loans grows, Unicomer’s financial services have found a niche, especially among customers who may struggle to access traditional banking products. “The credit business is very cash-intensive, and we’ve been able to grow our portfolios significantly,” Siman says. For many Trinidadian consumers, applying for a bank loan can be a slow, complex, and sometimes discouraging process. Unicomer, by contrast, offers a streamlined, efficient loan option that allows customers to access funds quickly and at competitive rates. MARKET KNOWLEDGE AND ADAPTABILITY Unicomer’s success in the Caribbean hinges on its deep understanding of the local market and its ability to adapt to the specific needs of its customers. “When Unicomer came to the Caribbean, we saw there was no structured way for consumers to get credit for household durables,” recalls Le Blanc. At the time, people often relied on layaway systems or personal relationships with shop owners to make large purchases. By offering flexible credit, Unicomer provided a new way for everyday consumers to afford the essentials for their homes. Today, Unicomer’s customer base has grown beyond its original demographic, with an increasingly diverse range of offerings to appeal to different segments. “We still serve the ordinary working-class person, but we also cater to aspirational young professionals,” says Le Blanc. This shift is partly driven by rigorous market research. Every year, Unicomer conducts extensive market studies, gathering insights across categories like furniture, appliances, credit, and optical services. This data informs a tiered retail strategy, where stores in smaller towns carry a more limited selection, while flagship stores in larger cities offer a full range of high-end products, from top-of-the-line refrigerators to premium televisions. Unicomer’s decentralized structure allows local 18 BUSINESS VIEW CARIBBEAN VOLUME 11, ISSUE 12

In a competitive and ever-evolving business landscape, having the right partners on your side can be critical to success. At Republic Bank, we understand that every company is unique. That’s why we make getting to know you and your business needs our priority. It’s also why we create tailored financial solutions with the aim of supporting your resilience, profitability and growth. From commercial loans to working capital, credit facilities to equipment financing, we provide the resources necessary for you to start up and scale up. Our Corporate RepublicOnline and RepublicMobile digital platforms have been enhanced to enable easy management of your finances anywhere and at anytime, giving you more time to focus on what matters most – growing your business. As part of our commitment to sustainability, we’re not only wholeheartedly supporting companies and industries seeking to create a better future, we’re dedicated to providing financial and nonfinancial guidance for the individual success of each and every business we serve. For us at Republic Bank, you are so much more than a customer. You’re our partner, and we’re fully invested in you. UNICOMER GROUP

teams to make market-specific decisions, enabling the company to adapt to regional differences across markets like Guyana, Trinidad, and Latin America. “We really try to drive decision-making from the bottom up,” says Siman, emphasizing this approach’s flexibility. A prime example is Unicomer’s optical division, which was introduced to the Caribbean after successful trials in Latin America. By allowing customers to finance eyewear, Unicomer extended its credit model to cover a new consumer need. STRATEGIC INVESTMENTS AND PARTNERSHIPS ACROSS KEY CARIBBEAN MARKETS The recent oil boom in Guyana has rapidly transformed the economy, drawing global attention and catalyzing unprecedented growth. Le Blanc points out that Unicomer has been operating in Guyana since 1993 when it was among the poorest nations in the Caribbean.“Now, Guyana is poised to be one of the wealthiest countries in the region,” he notes, highlighting Unicomer’s proactive approach to seizing the new economic potential.The company has secured land in an industrial area to build a large distribution center and logistics park. “The distribution center will serve our own needs, but the logistics park will offer services to third parties, supporting industries like energy and trade,” he says. Unicomer is investing heavily in Trinidad and Tobago, repurposing a mega-store site into a flagship retail space with facilities for third-party tenants. “We’re redeveloping several acres of land to create a new flagship store, with agreements already in place for outside tenants,”says Le Blanc.Additional commercial development at the Freeport campus, which houses Unicomer’s head office and distribution center, will transform the area into a commercial hub. Unicomer is also expanding in Jamaica, with projects in Montego Bay, Spanish Town, and Mandeville. “We’re also looking to build a new corporate headquarters in Jamaica,” he adds. Partnerships are central to Unicomer’s regional growth.“Our partnerships with regional banks have Errol Le Blanc Felix Siman 20 BUSINESS VIEW CARIBBEAN VOLUME 11, ISSUE 12

been essential,”says Siman,facilitating capital projects and expanding finance offerings. Collaborations with suppliers, like Ashley HomeStore and local mattress manufacturers, ensure product quality and cater to regional demand. Unicomer’s partnership with Spanish lens manufacturer Prats strengthens its offerings in optical services. Local contractors support logistics and technical services, enhancing customer service and creating jobs. Government partnerships are also key, streamlining development processes and aligning Unicomer’s investments with national goals across the Caribbean. SUSTAINABILITY AND SOCIAL RESPONSIBILITY Unicomer’s sustainability and social responsibility entails a comprehensive approach that spans environmental initiatives, employee welfare, and community engagement. The company has strategically invested in renewable energy solutions and energy-efficient products, recognizing the Caribbean’s high energy costs and outdated power infrastructure. Several years ago, Unicomer began installing photovoltaic systems across its stores, a move aimed at reducing costs and lowering its environmental footprint.“We’ve installed almost two megawatts of solar capacity across the Caribbean, focusing on markets like Jamaica, Guyana, Saint Lucia, and Barbados,” says Siman. Unicomer promotes energy efficiency by offering high C-rated inverter air conditioners and refrigerators and educating customers.“We educate our customers about the cost savings that come with replacing old appliances with more efficient models,” says Siman. The company has retrofitted stores with LED lighting and sells smart home products through RadioShack, including LED lights to enhance household energy efficiency. “Our goal is to integrate energy-saving technologies throughout our operations and product lines,” he adds. Employee welfare is another critical focus for Unicomer, which offers financial aid for personal challenges and a continuous learning platform, 21 BUSINESS VIEW CARIBBEAN VOLUME 11, ISSUE 12 UNICOMER GROUP

Republic Bank (Guyana) Limited has established itself as a cornerstone of financial stability and innovation in Guyana, catering to the evolving needs of individuals, businesses, and communities. The Bank also blends an impressive legacy with modern banking solutions, positioning itself as a leader in customer service, digital transformation, and community engagement. Over the years, it has been instrumental in promoting economic growth, particularly through supporting small and medium-sized enterprises (SMEs) and major infrastructural projects. As Guyana experiences unprecedented economic growth driven by its burgeoning oil and gas sector, Republic Bank remains an essential partner, adapting to the new landscape and supporting the country’s path to prosperity. Republic Bank’s commitment to corporate social responsibility shines through its Power to Make a Difference programme, which has made significant contributions to youth development, education, and environmental sustainability initiatives across Guyana.

Unicomer University, in partnership with Coursera. “Our employees can develop their skills and knowledge...for their overall career growth,” Siman notes. Mental health support includes regular health fairs and scholarships for employees’ children, emphasizing a supportive work environment. “We are creating a workplace with equal opportunities and a positive environment,” adds Alfaro. THE NEXT 18 MONTHS: ENHANCING CUSTOMER EXPERIENCE “Our top priority right now is completing the capital projects in Jamaica,Trinidad, and Guyana,” says Siman. He emphasizes that the brick-and-mortar experience remains crucial in the Caribbean while online shopping grows. “These new stores will deliver a revitalized shopping environment for our customers,” he adds, pointing to the importance of physical retail in markets where customers value the in-person shopping experience. Each new location is designed to elevate the customer journey, offering a blend of convenience, service, and product variety that meets local needs. Unicomer is also making significant investments to improve its e-commerce platform. Siman notes that online shopping in the Caribbean is rapidly evolving, with the company dedicating resources to create a faster, more user-friendly experience.“We’re revamping our online platform to provide a better, more agile shopping experience,” he says. This push towards digital aligns with broader consumer trends, as more Caribbean shoppers turn to online options for convenience. However, Siman remains clear that Unicomer’s approach is balanced—strengthening its digital channels while enhancing the in-store experience that Caribbean customers continue to value. Another top priority involves streamlining the import of high-quality goods into markets with unique regulatory and logistical challenges. “There are challenges with imports in the Caribbean, especially in Trinidad and Guyana,” Siman acknowledges.These challenges sometimes include ethics issues and PLACE HOLDER FOR GO MAX CUSTOMS Bronze Sponsor 23 BUSINESS VIEW CARIBBEAN VOLUME 11, ISSUE 12 UNICOMER GROUP

PREFERRED VENDOR/PARTNER n Republic Bank) www.republictt.com Founded in 1837, Republic Bank’s 187year history is testimony to growth through innovation as a leader in the Caribbean financial services industry. Operating in 15 territories in the Caribbean as well as Ghana, we offer personalised and competitive banking products and services, including credit and debit cards, leasing, trustee services, mutual fund and investment management, and merchant banking. n Republic Bank (Guyana) www.republicguyana.com Republic Bank (Guyana) Limited, a subsidiary of Republic Financial Holdings Limited, provides innovative banking solutions in Guyana. Committed to growth and community development, Republic Bank offers personal, business, and digital banking services, while prioritizing corporate social responsibility through initiatives that promote education, healthcare, and environmental sustainability across the nation. n Go Max Customs www.websitename.com regulatory hurdles, making securing the best brands in consumer electronics more difficult. However, Unicomer leverages its multinational structure and longstanding supplier relationships to deliver toptier products consistently. “We work hard to import the best brands for our customers, even under challenging market conditions,” he adds. The final pillar of Unicomer’s strategy over the next year and a half is employee engagement and development. Unicomer has implemented an eNPS (employee Net Promoter Score) system to measure satisfaction across its workforce and conducts indepth studies on employee engagement to ensure a positive workplace culture.“Investing in our people is essential,” Siman stresses. “Raising employee engagement levels is a critical part of our success.” By prioritizing its workforce, Unicomer seeks to build a loyal, motivated team that will continue to drive the company’s growth and maintain the high service standards that customers rely on. 24 BUSINESS VIEW CARIBBEAN VOLUME 11, ISSUE 12

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