Category Archives: Value

A design challenge for agric service innovation in rural Africa

Find a way to embed principles of sustainable good agriculture for the smallscale farmer in a socio-economically beneficial way. How would we do this? Where do we begin? The answers to these questions and more will be forthcoming on this … Continue reading

Posted in Africa, Business Models, Buyer Behaviour, Cashless transactions, Culture, Design, Flexibility, Frameworks, Indigenous & Traditional, Informal & Flexible, Mobile platform, Rural, Rural Economy, Strategy, Sub Saharan Africa, User research, Value | Tagged , , , , , , , | Comments Off on A design challenge for agric service innovation in rural Africa

Part 1: Why are we publishing our original research on rural economic behaviour in 5 parts online?

A recent article in The Economist on the economic value of owning cattle in rural India made me to realize just how little is understood about the rural economy.  Here’s a snippet: That is because most people find spending easier … Continue reading

Posted in Alternative currency, Assumption filter, Banking, Bottom of the Pyramid, Buyer Behaviour, Cashless transactions, Cattle, Culture, Economy, Expenses, Flexibility, Income, India, Indigenous & Traditional, Livestock, Project report, Rural, Rural Economy, South Asia, Strategy, User research, Value | Tagged , , , , , , | Comments Off on Part 1: Why are we publishing our original research on rural economic behaviour in 5 parts online?

The Role of Livestock Data in Rural Africa: The Tanzanian Case Study

The World Bank finally notices the humble goat, four of which will buy you a new Nokia featurephone in Malawi. Funded by Bill and Melinda, this report takes a closer look at the domesticated animal as a financial instrument and … Continue reading

Posted in Africa, Alternative currency, Bottom of the Pyramid, Cashless transactions, Culture, Indigenous & Traditional, Livestock, Rural, Rural Economy, Savings, Sub Saharan Africa, User research, Value | Tagged , , , , | Comments Off on The Role of Livestock Data in Rural Africa: The Tanzanian Case Study

India recognizes the economic contribution of street vendors

What Indian economic phenomenon is at once marginal, even illegal, and enormously independent and entrepreneurial? That would be the street vendor, the small capitalist of the poor, and reservoir of off-the-books penalties that grease the machine of every municipal authority … Continue reading

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Posted in Bottom of the Pyramid, Economy, Flexibility, Income, India, Indigenous & Traditional, Informal & Flexible, Migrant worker, South Asia, Urban, Value | Tagged , , , , , | Comments Off on India recognizes the economic contribution of street vendors

Reflecting on this blog’s genesis after 5 years

I started this blog in late December 2008, in earnest and every day during the first prototype fieldwork for The Prepaid Economy project, one of the iBoP Asia Project’s first batch of Small Grant winners from the ASEAN region. For … Continue reading

Posted in About, Africa, Airtime, ASEAN, Assumption filter, Bottom of the Pyramid, Business Models, Buyer Behaviour, Collection, Design, Economy, Flexibility, global, Income, India, Indigenous & Traditional, Informal & Flexible, Kenya, Migrant worker, Mobile platform, Philipines, Project report, South Asia, Strategy, Sub Saharan Africa, Urban, User research, Value | Tagged , , , , , , , , , , | Comments Off on Reflecting on this blog’s genesis after 5 years

Promoting Africa’s Informal Sector

Organising the informal sector and recognising its role as a profitable activity may contribute to economic development. This can also improve the capacity of informal workers to meet their basic needs by increasing their incomes and strengthening their legal status. … Continue reading

Posted in Africa, Airtime, Alternative currency, Assumption filter, Banking, Bottom of the Pyramid, Business Models, Buyer Behaviour, Cashless transactions, China, Economy, Flexibility, global, India, Indigenous & Traditional, Informal & Flexible, Kenya, Migrant worker, Mobile platform, Rural, Sub Saharan Africa, User research, Value | Tagged | Comments Off on Promoting Africa’s Informal Sector

In sum

Irregular income streams from a variety of sources pose their own challenges to both buyers and sellers but offer an opportunity through the flexibility designed into business models for the informal economies where this pattern of cash flow tends to … Continue reading

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Static income vs dynamic income

It was when attempting to clearly distinguish between patterns of cash flow in the formal vs the informal economy, using the concept of the degree of control granted to the end user over the variables of time (duration, frequency, periodicity) … Continue reading

Posted in Airtime, Alternative currency, Assumption filter, Banking, Bottom of the Pyramid, Buyer Behaviour, Cashless transactions, Flexibility, Income, Informal & Flexible, Rural, User research, Value | Comments Off on Static income vs dynamic income

Cashpower: prepaid electricity in Rwanda

Maarja Motus, an Estonian designer and my recent intern spent 3 weeks in Rwanda recently conducting some research on my behalf. Here’s an extract from her report on Cashpower, the Rwandese term for prepaid electricity. An electricity agent (Cashpower agent) … Continue reading

Posted in Africa, Airtime, Alternative currency, Assumption filter, Business Models, Buyer Behaviour, Economy, Expenses, Informal & Flexible, Mobile platform, Strategy, Urban, User research, Value | Tagged , , , , | Comments Off on Cashpower: prepaid electricity in Rwanda

Reflecting on The Informal Economy, October 2012

John Keith Hart, who first saw the economic activity of the “unemployed” in Accra, Ghana back in the beginning of the 1970’s, almost exactly 40 years ago, opened the symposium with the statement that the informal economy had gone mainstream. … Continue reading

Posted in Alternative currency, Assumption filter, Banking, Bottom of the Pyramid, Business Models, Cashless transactions, Economy, global, Indigenous & Traditional, Informal & Flexible, Kenya, Mobile platform, Strategy, User research, Value | Tagged , , , , | 1 Comment