Category Archives: Income

The underlying principle of flexibility

The Economist writes about the proliferation of mobile money across the African continent, high lighting some aspects of its rapid adoption by the local population – 96% of whom are on prepaid or pay as you go mobile subscriptions.  A … Continue reading

Posted in Africa, Assumption filter, Bottom of the Pyramid, Business Models, Buyer Behaviour, Cashless transactions, Expenses, Income, Informal & Flexible, Strategy, User research, Value | Tagged , , , , , , ,

Price cuts in the prepaid economy

Sunil Bharti Mittal recently referred to a pattern of consumer behaviour that came as a surprise to Airtel Africa, leading to a rethink of their near future pricing strategy for this market. The Indian telecom company told participants at the … Continue reading

Posted in Africa, Airtime, Assumption filter, Bottom of the Pyramid, Business Models, Buyer Behaviour, Expenses, Income, Kenya, Mobile platform, Urban, User research

Informal payment plans offer flexibility and convenience

Rural electronics shops in the North Meru region of Kenya are full of colour television sets, home stereos and DVD players as increasing electrification of smaller and smaller market towns takes place. How do aspiring customers pay for these high … Continue reading

Posted in Africa, Bottom of the Pyramid, Business Models, Economy, Income, Informal & Flexible, Rural, Strategy, Sub Saharan Africa, User research, Value | Tagged , , , , , , | 2 Comments

The multifunctionality of livestock in rural Kenya

This is an interesting research paper from Purdue’s Agricultural Economics department published in 2008. Titled Traits Affecting Household Livestock Marketing Decisions in Rural Kenya (pdf), it’s abstract informs us that: While many contemporary development programs with regard to Sub-Saharan Africa’s … Continue reading

Posted in Africa, Assumption filter, Buyer Behaviour, Cashless transactions, Cattle, Culture, Economy, Income, Indigenous & Traditional, Informal & Flexible, Kenya, Livestock, Rural, Rural Economy, Savings, User research, Value | Tagged , , , , , , , ,

Rise of tricycle pushcarts in Mexico

ClubOrlov has a guest post from a small Mayan fishing village in Mexico by a writer only known as Albert, who observes this informal economic activity and its players closely: What struck me is that I cannot recall a time … Continue reading

Posted in Bottom of the Pyramid, Business Models, Buyer Behaviour, Culture, global, Income, Indigenous & Traditional, Informal & Flexible, Rural, User research | Tagged , , , , , ,

Senegalese research on innovation processes in their informal ICT sector

I came across some excellent research by Dr Almamy Konte and Mariama Ndong of Senegal. While I’m sure the original working paper in French must be far better than this drafted English translation, their key points are nonetheless something to … Continue reading

Posted in Africa, Bottom of the Pyramid, Business Models, Culture, Economy, Income, Indigenous & Traditional, Informal & Flexible, Literature review, Mobile platform, Senegal, Strategy, Sub Saharan Africa | Tagged , , , , , , , ,

Ever smaller and smaller: how household budgets deal with rising prices and inflation

It is only an eighth of a kilogramme packet of sugar, yet many Kenyans can barely afford it. This particular size of sugar has many references among residents of Nyanza Province, such as kobole, Kadogo and Sukari ndogo. In Kisian … Continue reading

Posted in Africa, Bottom of the Pyramid, Buyer Behaviour, Economy, Expenses, Income, Kenya, Sub Saharan Africa, User research, Value

The role of women in informal trade in Africa

Section extract from this ARIA chapter “Informal Trade in Africa”: Women play a prominent role in informal trade, and in informal business activities in particular. These few figures are proof enough: four to five million women in West Africa are … Continue reading

Posted in Africa, Bottom of the Pyramid, Culture, Economy, Income, Informal & Flexible, Literature review, Sub Saharan Africa

Reflecting on managing retail at the BoP

When I think about my time in the Filipino village last year, the most significant learnings from the field are the ones I never really wrote about or pondered deeply at that time. They were too specific to retail, I … Continue reading

Posted in ASEAN, Bottom of the Pyramid, Business Models, Buyer Behaviour, Income, Informal & Flexible, Philipines, Rural, Strategy, User research

Core values: business models meant to serve the BoP

(Republished from old Perspective 2.0 blog March 10th 2009) The biggest shock for me in the Phillippines was learning that airtime minutes purchased on a prepaid plan came with an expiry date. The smaller the amount the faster the expiration. … Continue reading

Posted in Airtime, Alternative currency, ASEAN, Assumption filter, Banking, Bottom of the Pyramid, Business Models, Buyer Behaviour, Cashless transactions, Design, Income, Informal & Flexible, Loans, Mobile platform, Philipines, Rural, Savings, Strategy, Sub Saharan Africa, User research