Category Archives: Mama Biashara

A Very Nigerian Opinion on E-Commerce and Online Fashion Startups

Folake Shoga shares her opinion on the recent spate of tech startups and apps mean to serve Nigeria’s fashion and fabric industry. Two recent articles in Techpoint, the Nigerian online technology magazine, feature initiatives dealing with aspects of the clothing business. One is a startup letting studio space and equipment to makers, 360 Creative Hub; […]

Also posted in Africa, African Consumer Market, Biashara Economics, Business Models, Commerce en ligne (e-commerce), Consumer Behaviour, Ecosystem, Fashionomics, Indigenous & Traditional, Informal & Flexible, Innovation Planning, Marchés africains, Marketing, Mobile platform, Nigeria, Perspective, Technology | Tagged , , , , , , , | Leave a comment

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 […]

Also posted in Africa, Analysis, Assumption filter, Base of the Pyramid, Biashara Economics, Business Models, Cashless transactions, Collection, Consumer Behaviour, Economy, Ecosystem, Emerging Markets, Frameworks, global, Informal & Flexible, Marchés africains, Mobile platform, Prepaid Economy & Informal Sector, Projects and Reports, Research, Rural Economy, Savings, South Asia, Strategy, Sub Saharan Africa, Systems, UCSD, User research | Tagged , , , , , , , | Leave a comment

Deconstructing “Formalization” as Panacea for the Informal Economy

IGO definitions of the informal economy are crafted from a top down perspective (Global North*) of the operating environment prevalent in the economies of the developing world (Global South*). Further, they do not distinguish between the operating environment of the shadow economies of OECD nations, and those which encompass the unorganized sectors of trade and […]

Also posted in Africa, Analysis, Assumption filter, Biashara Economics, Business Models, Culture, Design, Economy, Ecosystem, Emerging Markets, Frameworks, Informal & Flexible, Perspective, Prepaid Economy & Informal Sector, Research, Strategy, Sub Saharan Africa, Systems | Tagged , , , , , | Leave a comment

How the African movable assets bill can unleash innovation opportunities for the rural economy

As Kenya joins Zambia and Zimbabwe in ratifying a Movable Property Security Rights Act, there’s a sense that the floodgates to innovation in access to finance might be taking place in rural Africa, south of the Sahara and north of South Africa. Kenya’s law also goes beyond the cows and goats and allows a borrower […]

Also posted in Africa, African Consumer Market, Alternative currency, Biashara Economics, Business, Business Models, Cashless transactions, Cattle, Consumer Behaviour, Design, East African Community, Ecosystem, Emerging Markets, Income, Innovation Planning, Kenya, Livestock, Loans, Marketing, Mobile platform, Perspective, Prepaid Economy & Informal Sector, Produits de grande consommation (FMCG), Research, Risk, Rural Economy, Scarcity, Strategy, Sub Saharan Africa, Systems, Tanzania, Technology, UCSD, Uganda, User research, Value | Tagged , , , , , , , , , , , , , , , , , | Leave a comment

It’s way past the time to consider the Informal Economy as a distinct commercial environment

Regardless of continent, it is now high time we accepted the informal economy (unformal or unrecognised or unorganized sectors) as a commercial operating environment in its own right. The continued oversight is rapidly coalescing into a gaping void of hiccups and failures, by large companies, non profit institutions, and startups, alike. This issue goes far […]

Also posted in African Consumer Market, Assumption filter, Base of the Pyramid, Biashara Economics, Economy, Ecosystem, Emerging Markets, Frameworks, global, Indigenous & Traditional, Informal & Flexible, Innovation Planning, Marchés africains, Mobile platform, Perspective, Prepaid Economy & Informal Sector, Retail in Africa, Strategy, Sub Saharan Africa, UCSD, User research | Tagged , , , , , , , , , , , , | Leave a comment

Launching Our Digital Documentation Project: Ibadan’s Tailors, Traders, and Textiles by Nigerian/British artist Folake Shoga

After months of hard work, I am very honoured and proud to announced our new digital documentation project by my friend Folake Shoga, a Nigerian/British multidisciplinary artist with more than three decades of experience. She went on a journey of discovery through the twists and turns of the informal value web that holds together West […]

Also posted in Africa, African Consumer Market, Biashara Economics, Business, Consommateurs, Consumer Behaviour, Culture, Design, Ecosystem, Emerging Markets, Fashionomics, Indigenous & Traditional, Informal & Flexible, Marchés africains, Marketing, Nigeria, Perspective, Photography, Prepaid Economy & Informal Sector, Projects and Reports, Research, Retail in Africa, Sub Saharan Africa, Systems, User research, Value | Tagged , , , , , , , , , , , , , | Leave a comment

Exploring the Scope of Biashara Economics

There’s a dearth of research on the economics of biashara – the everyday commerce that keeps daily life running. And this hampers the efficacy of the design of programmes and policies meant for operating environments where the informal economy may be providing employment for more than half the working age population, and often, as high […]

Also posted in Biashara Economics, global, Prepaid Economy & Informal Sector, Research, Rural Economy | Tagged , , | Leave a comment

Snapshot of the Dynamics of the Urban Informal Retail Trade in Nairobi, Kenya

Latiff Cherono quickly made up this diagram during a brainstorming session with Francis Hook and myself on the ways and means to further disaggregate the general category of “Informal wholesale and retail trade” that the Kenya National Statistics Board uses to lump together the second largest sector providing employment in Kenya after agriculture. In urban […]

Also posted in Africa, African Consumer Market, Analysis, Assumption filter, Biashara Economics, Consommateurs, Consumer Behaviour, Design, Ecosystem, Informal & Flexible, Kenya, Marchés africains, Marketing, Migrant worker, Perspective, Prepaid Economy & Informal Sector, Research, Retail in Africa, urban, User research | Tagged , , , , , , , | Leave a comment

Implicit Assumptions commonly held about Informal Markets

“Informal Economy” always means illegal, shadowy, gray. High volume of low value cash transactions imply poverty, ignorance, lack of sophisticated money management. Operating with a lack of infrastructure and institutions implies ignorance, lack of ambitions and aspirations, and motivation. Lack of cash implies lack of purchasing power – particularly in rural settings. Lack of formal […]

Also posted in African Consumer Market, Assumption filter, Biashara Economics, Business, Consumer Behaviour, Emerging Markets, Informal & Flexible, Marchés africains, Marketing, Perspective, Prepaid Economy & Informal Sector, Retail in Africa, Rural Economy, Strategy, Sub Saharan Africa | Tagged , , , , | Leave a comment

Bridging East Africa’ formal – informal financial services divide

Kenya’s formal inclusion looks pretty, the financial inclusion industry has been has been great at talking up its achievements over the past 10 years. Here, 75.3% of Kenyans are now formally included, a 50.3% increase from 19 years ago. Official statistics on mobile phone penetration is up to 80.5% of the population and there is general […]

Also posted in Africa, Alternative currency, Cashless transactions, Cattle, Kenya, Loans, rural, Savings, Uganda | Tagged , , , , , , , , , | Leave a comment