Category Archives: Rural

Mapping global seasonality: national times of abundance and scarcity?

Connecting some dots made me think of this exercise. If national governments are increasingly looking at ways to bridge the informal economy with the formal, in order to provide more inclusive benefits to their citizens and at the same time … Continue reading

Posted in Africa, ASEAN, Assumption filter, Banking, Bottom of the Pyramid, Business Models, Buyer Behaviour, Cashless transactions, China, Culture, Economy, global, Income, India, Indigenous & Traditional, Informal & Flexible, Kenya, Migrant worker, Philipines, Rural, Senegal, South Africa, South Asia, Strategy, Sub Saharan Africa, 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

Some concerns about ‘pay as you go’ lighting solutions in rural markets

Having just got back yesterday after immersion in an arid part of rural Kenya, it struck me after coming across yet another solar lighting solution with a pay as you go or prepaid business model that this may become a … Continue reading

Posted in Africa, Airtime, Alternative currency, Assumption filter, Bottom of the Pyramid, Business Models, Buyer Behaviour, Cashless transactions, India, Informal & Flexible, Kenya, Mobile platform, Rural, Sub Saharan Africa, User research, Value | Tagged , , , , , ,

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 , , , , , ,

Pondering a new prepaid research focus

Ever since I completed the first Prepaid Economy study which looked at how those on irregular income streams managed their household finances – focusing on rural Philippines and India – I’ve been curious about rural Kenya. I’ve long wanted to … Continue reading

Posted in About, Africa, Airtime, Alternative currency, Banking, Bottom of the Pyramid, Business Models, Buyer Behaviour, Cashless transactions, Informal & Flexible, Kenya, Mobile platform, Rural, Sub Saharan Africa, User research | Tagged , , , , , ,

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

Prepaid pricing plans and the financially savvy BoP buyer: A discussion

Rural grocery shop, South Africa January 2008 While putting together my post on demanding BoP customers today, I came across this snippet from an article titled "Getting to know the sophisticated prepaid user" from The Philippines (one of the field … Continue reading

Posted in Africa, Airtime, ASEAN, Bottom of the Pyramid, Business Models, Buyer Behaviour, Expenses, Income, India, Mobile platform, Philipines, Rural, Strategy, Sub Saharan Africa, Urban, User research

Traditional moneylending – informal, flexible, trust based and changing fast

Sawai Madhopur, December 30th 2008 As Microfinance Grows in India, So Do Its Rivals is the title of a recent WSJ article by Ketaki Gokhale which begins so, The practice of making tiny loans to poor people, or microfinance, was … Continue reading

Posted in Banking, Bottom of the Pyramid, India, Indigenous & Traditional, Informal & Flexible, Loans, Rural | 1 Comment