Tag Archives: mama biashara

Financial Patterns at the Last Mile of the Farm to Fork Value Chain

This value web illustrates the last mile of the farm to fork agricultural value chain in the state of Maharashtra, India. We’d mapped it during our project/s for the Dutch government back in mid 2013, where we’d introduced human centered design thinking for sustainable agricultural value chain development. Subsequently, I led a multidisciplinary team conducting […]

Posted in African Consumer Market, Analysis, Biashara Economics, Business Models, Consumer Behaviour, Ecosystem, Emerging Markets, Frameworks, India, Perspective, Prepaid Economy & Informal Sector, Research, Rural Economy, South Asia, Strategy, Sub Saharan Africa, Systems, User research | Also tagged , , , , , , | Leave a comment

Competitive Advantage & Customer Relationships: Lessons from Market Mummies of Ghana

How would you differentiate yourself in this informal retail market? Ghanaian market research guru Gerry van Dyke took a closer look at the market ‘mummies’ – Mama Biashara, as we call her – and their consumer marketing techniques in the “non-label environment”. His findings form an excellent foundation for understanding marketing and customer relationships in […]

Posted in African Consumer Market, Biashara Economics, Business, Consumer Behaviour, Culture, Ghana, Indigenous & Traditional, Informal & Flexible, Mama Biashara, Marketing, Perspective, Prepaid Economy & Informal Sector, urban, User research | Also tagged , , , , , , , | Leave a comment

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 […]

Posted in Africa, African Consumer Market, Analysis, Assumption filter, Base of the Pyramid, Biashara Economics, Business Models, Consumer Behaviour, East African Community, Economy, Ecosystem, Emerging Markets, Frameworks, global, Indigenous & Traditional, Informal & Flexible, Innovation Planning, Mama Biashara, Marchés africains, Perspective, Platforms, Prepaid Economy & Informal Sector, Projects and Reports, Research, Rural Economy, Sub Saharan Africa, Systems, UCSD, User research, Value | Also tagged , , , , , , , , , | Leave a comment

Voices from the Pacific: Mirroring the Challenges of Informal Market Women Everywhere

ABOUT 80 per cent of all market vendors in the Pacific are women, and these earnings make up a significant portion of incomes of many poor households. In spite of their contribution to the local economy and to markets, women are often excluded from market governance and decision-making. ~ The Fiji Times Following up from […]

Posted in Assumption filter, Biashara Economics, global, Indigenous & Traditional, Informal & Flexible, Perspective, Prepaid Economy & Informal Sector, Systems | Also 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 […]

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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 […]

Posted in Africa, Alternative currency, Cashless transactions, Cattle, Kenya, Loans, Mama Biashara, rural, Savings, Uganda | Also tagged , , , , , , , , | Leave a comment

Bedrock of trade

A general merchant in Karatina market, Kenya. Photo credit: Niti Bhan

Posted in Africa, African Consumer Market, Indigenous & Traditional, Kenya, Mama Biashara, Marchés africains, Perspective, rural, User research | Also tagged , , | Leave a comment