Category Archives: Analysis

East African Imports in rural Rwanda?

This highway ‘storefront’ in rural Rwanda made me wonder if the trader had imported his goods rather than purchased them locally. And, further, if they were imports from Kenya. First, unlike the majority of such roadside shops, he is dealing with multiple products – while all are related to home decor, they are made of […]

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Trading economics: a new theoretical system

From the Financial Times, a snippet from a guest post by Wang Zhenying, director-general of the research and statistics department at the PBoC’s Shanghai head office and vice chairman of the Shanghai Financial Studies Association, summarising the arguments in his new Chinese-language textbook on economics. “Trading economics” is one new theory emerging against this backdrop. […]

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Household energy consumption behaviour in East Africa: Lighting & Conclusion (3 of 3 Parts)

  The following is extracted from a six month study during 2012 on household energy consumption behaviour in rural Kenya and Rwanda among the lower income demographic, that led to an understanding of some of barriers hampering the sales of client’s solar products in this market. This 3rd and final part will focus on fuel […]

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Introduction to rural household energy consumption behaviour in East Africa (1 of 3 parts)

The following is extracted from a six month study during 2012 on household energy consumption behaviour in rural Kenya and Rwanda among the lower income demographic, that led to an understanding of some of barriers hampering the sales of client’s solar products in this market. This first part is an overview of household financial management […]

Also posted in Africa, African Consumer Market, Biashara Economics, Business Models, Consumer Behaviour, Culture, Design, East African Community, Frugality, Informal & Flexible, Innovation Planning, jua kali, Kenya, Marketing, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, Projects and Reports, Research, Retail in Africa, rural, Rural Economy, Scarcity, Strategy, Sub Saharan Africa, Systems, Technology, UCSD, User research | Tagged , , , , , , , , , , , , | 1 Response

TEDTalk video: Recognizing the value creation and economic contribution of the informal economy

My talk given at the TEDGlobal conference in Arusha, this August, went live on Ted.com at some point during the night a couple of days ago. At that very moment, I was on a Finnair flight from SIN to HEL, so with a wee bit of delay, here’s the link to the video of the […]

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Savings Groups : Observations on Economic Cooperation and Collaboration in Rural and Informal Conditions

Recently, I was interviewed on communal rural economic behaviour, particularly socially cooperative ones  such as informal savings and lending groups. The questions posed were: How has your opinion of savings group changed over time? Why in your opinion, are people in Africa and Latin America countries (developing countries) predisposed to forming savings groups? What is […]

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Is Your Product Ready for Africa? Why Kigali’s “Smart” Project Faces an Unforeseen Challenge

However, KTRN boss agreed that they share responsibility since they never conducted a profound market research to determine whether the gadgets are compatible with African weather. “We sincerely didn’t realize that the weather would affect the gadgets”~ Public Buses Wi-fi: Harsh Weather, Incompatible Gadgets Interrupt Kigali’s ‘Smart’ Project, KT Press, 16th October 2017 This isn’t […]

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Fundamental Elements of Informal Sector Commercial Activity

There are two key elements which underpin the dynamics of any business or commercial enterprise in the informal sector. These are Time and Money. A generalized framework can be diagrammed, as shown above, where the dotted line denotes the degree of uncertainty and volatility of an individual’s cash flow patterns – whether from a variety […]

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Work in Progress: An Introduction to the Informal Economy’s Commercial Environment

This topic is being shared in the form of a collection of essays on the following themes, each becoming hyperlinked on completion. Do bookmark this page for regular updates. Introduction to Background and Context, some caveats apply Fundamental Elements of Informal Sector Commercial Activity Rural household financial management as a foundation Linkages and Networks span […]

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Financial Behaviour Patterns Observed Among Households in Rural Informal Economy in Asia

This is the original working paper of the research conducted on rural household financial management, in developing country conditions, pioneering the use of methods from human centered design for discovery, during Nov 2008 to March 2009, aka the Prepaid Economy Project. It was peer reviewed by Brett Hudson Matthews, and I have incorporated his comments into […]

Also posted in African Consumer Market, Airtime, Alternative currency, ASEAN, Assumption filter, Banking, Base of the Pyramid, Biashara Economics, Business Models, Cashless transactions, Cattle, Consumer Behaviour, Design, Economy, Ecosystem, Emerging Markets, Flexibility, Frameworks, global, Income, India, Indigenous & Traditional, Informal & Flexible, Innovation Planning, Livestock, Marchés africains, Marketing, Migrant worker, Mobile platform, Philipines, Platforms, Prepaid Economy & Informal Sector, Process, Produits de grande consommation (FMCG), Projects and Reports, Research, Retail in Africa, Risk, rural, Rural Economy, Savings, Scarcity, South Asia, Strategy, Sub Saharan Africa, Systems, User research | Tagged , , , , , , , , , , , , , , , , , , | Leave a comment