Archive for the ‘Sub-Saharan Africa’ Category

Teaming up with Kiva to Empower the Poor

November 19, 2012

Community Knowledge Worker

We’re proud to announce that Kiva lenders can now support our high-impact Community Knowledge Worker (CKW) program!

Through our AppLab initiative, we’ve spent more than a decade successfully exploring ways to use mobile phones to improve people’s lives through information sharing about such areas as healthcare, business opportunities, finances and agriculture. In Uganda, where we’re focusing on agriculture, we do this through a network of “farmer leaders” nominated by their local communities to become Community Knowledge Workers. (more…)

Are You Really Getting Your Share? Revenue Protection in Mobile Money

September 13, 2012

Ali Ndiwalana is Research Lead for Grameen Foundation’s AppLab Money Incubator and Lee-Anne Pitcaithly is Program Director for Grameen Foundation’s Mobile Financial Services Accelerator initiative. Both are based in our Uganda office. This blog post originally appeared on the CGAP Technology Blog. We’ve included an excerpt here with a link to the full post below.

Mobile money has had bad press lately for fraud-related cases. Most of the reported cases were either the result of internal employees misusing the system to cause operator losses or fraudsters trying to scam unsuspecting users. There is another angle that rarely gets any press—when users or agents abuse the platform and use it in rogue ways that it was never intended.

Across East Africa, most mobile money transactions are primarily between registered users. Registered users get free cash-in (convert cash into mobile money, steps 1), pay fees to make transfers to other registered users (step 2) and registered recipients pay fees to cash-out (convert mobile money into cash, step 3). Most transactions are single loop (from sender to receiver and then converted into cash) and the operator automatically deducts and shares fees with agents as summarized in the standard scenario.

Agents are critical for success of any mobile money platform, but they may also offer its weakest link. Let us consider a few examples. Agents may charge additional fees to customers, they may bypass the platform for withdrawals, they may perform over the counter transfers for customers to other agents if they have ability for P2P amongst agents or they may split transactions to take advantage of the pricing model. I am sure others can easily add to this list.

Continue reading the full post >>

Things Move More Slowly in Africa

June 27, 2012

Shannon Maynard is Director of Bankers without Borders® (BwB), Grameen Foundation’s skilled-volunteer initiative. Maynard has more than 15 years of experience in nonprofit management and volunteer mobilization. Before joining Grameen Foundation, she served as Executive Director of the President’s Council on Service and Civic Participation, and managed strategic initiatives for the Corporation for National and Community Service, a federal agency. This post is the third in a four-part series; you can read her first post here, and her second post here.

“Things move more slowly in Africa” – this is a common refrain for many of us at Grameen Foundation when we find ourselves experiencing hurdles with our work in places like Nigeria and Ethiopia. In fact, African countries and the organizations we work with do often lack the infrastructure – particularly the Internet connectivity – that contributes to the fast-paced, rapid-response world that those of us based in the United States have grown so accustomed to. Slower is also a word I’d use to describe Bankers without Borders’ own presence in Sub-Saharan Africa.

Joining Grameen Foundation after primarily working with US-based NGOs, I remember my own first experiences arranging a call with a microfinance institution (MFI) leader in Sub-Saharan Africa – fumbling around with Skype to enter the correct phone number, then getting a voicemail message in a language I couldn’t understand. It might take a few weeks of trying to connect at a time convenient for us both. In those early days, Grameen Foundation did not have local offices or staff in places like Nairobi, Accra or Kampala. Cultivating relationships and managing projects is difficult to do from a different continent, which is why I am amazed we were actually able to do any work in places like Ghana and Nigeria in those first few years of BwB.

Over the past year, however, BwB has been able to gain some traction in the region, thanks to the regional leadership of Erin Conner and Steve Wardle, and BwB Regional Program Officer Martin Gitari, all based in Nairobi.

David Washer (right) spent a week meeting clients and lending his skills in finance to Eshet, an Ethiopian microfinance institution, as part of Bankers without Borders' FiDavid Washer (right) spent a week meeting clients and lending his skills in finance to Eshet, an Ethiopian microfinance institution, as part of BwB's Financial Modeling Reserve Corps.nancial Modeling Reserve Corps.

David Washer (right) spent a week meeting clients and lending his skills in finance to Eshet, an Ethiopian microfinance institution, as part of BwB’s Financial Modeling Reserve Corps.

Grameen Foundation’s own programs, particularly our MOTECH work in Ghana and Community Knowledge Worker (CKW) program in Uganda, are BwB’s biggest clients. In our early days, we had a hard time convincing Grameen Foundation’s own technology teams of the services we could provide, because Grameen Foundation’s own employees assumed BwB was only focused on connecting bankers with microfinance institutions (a fair assumption, given our name). Thanks to some education on our part and the willingness of these programs’ leaders to give us a try, we’ve been able to place volunteers such as Chris Smith and Gillian Evans (a husband-and-wife team) with CKW and Roche employee Lynda Barton with MOTECH, in year-long placements. We’ve worked with CKW to establish a local collaboration with Makere University to provide interns to our Uganda office each semester. And we’ve just finalized arrangements to engage a Glaxo Smith Kline employee with the CKW team on a six-month assignment, starting this month.

(more…)