Tag Archives: biashara economics

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 […]

Posted in African Consumer Market, Airtime, Alternative currency, Analysis, 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 | Also 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 […]

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

A Comprehensive Analysis of the Literature on Informal Cross Border Trade in East Africa

Download the comprehensive literature review (PDF) on informal cross border trade, in the context of the informal economy of the East African Community, the Democratic Republic of Congo, and South Sudan. This paper was supported by TradeMark East Africa during the period November 2015 to January 2016. A short extract from the preamble is given […]

Posted in Africa, Analysis, Base of the Pyramid, Biashara Economics, Design, East African Community, Economy, Ecosystem, Informal & Flexible, Kenya, Literature review, Prepaid Economy & Informal Sector, Projects and Reports, Research, Rural Economy, Sub Saharan Africa, Tanzania, Uganda | Also tagged , , , , , , , | Leave a comment

On the relationship between economics and design

This is an extract from the Introduction to John Heskett’s seminal paper, “Creating Economic Value by Design” The work of Herbert Simon, Nobel Laureate in Economics in 1978, is a rare exception of design being considered as a factor in economic theory. His starting point was acknowledging that the world we inhabit is increasingly artificial, […]

Posted in Biashara Economics, Design, Economy, Ecosystem, Emerging Markets, Flexibility, Frameworks, Informal & Flexible, Perspective, Prepaid Economy & Informal Sector, Research, UCSD, User research | Also tagged , , , , , , | Leave a comment

Prepaid Mobile: The Business Model that Empowers

It feels like a long time since I last pondered the nuances of the prepaid business model, until I came across some words written by Indian social media researcher Swati Janu. She documented her observations on the infrastructure of insecurity from the tenements of New Delhi.  There’s value in reflecting on how our understanding only […]

Posted in Airtime, Base of the Pyramid, Biashara Economics, Business Models, Consumer Behaviour, Economy, Emerging Markets, Flexibility, Income, India, Marketing, Mobile platform, Perspective, Prepaid Economy & Informal Sector, Research, User research, Value | Also 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 […]

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, Mama Biashara, 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 | Also tagged , , , , , , , , , , , , , , , , | Leave a comment

Livestock as movable assets and financial collateral: Collected insights

Following in the footsteps of Zimbabwe, Kenya has just passed a law on the use of movable assets as collateral for loans. President Uhuru Kenyatta has signed into law a Bill allowing borrowers to use household goods, crops, live animals and even intellectual property to secure commercial loans in a move aimed at boosting access […]

Posted in Africa, Alternative currency, Assumption filter, Base of the Pyramid, Biashara Economics, Cashless transactions, Cattle, Collection, East African Community, Economy, Ecosystem, Indigenous & Traditional, Informal & Flexible, Kenya, Literature review, Livestock, Perspective, Prepaid Economy & Informal Sector, Research, rural, Rural Economy, Sub Saharan Africa, Tanzania, User research, Value | Also 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 […]

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, Mama Biashara, Marchés africains, Mobile platform, Perspective, Prepaid Economy & Informal Sector, Retail in Africa, Strategy, Sub Saharan Africa, UCSD, User research | Also tagged , , , , , , , , , , , | Leave a comment

The importance of user agency for good design in the humanitarian and development context

This is a topic that has come up so often on Twitter that I thought to write it out once and for all. A link would be ever so much easier to argue with than to make the case for recognizing the agency of the end user – whether an intended customer or beneficiary – […]

Posted in Biashara Economics, Design, Frameworks, Innovation Planning, Perspective, Process, Strategy, UCSD, User research | 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 […]

Posted in Biashara Economics, global, Mama Biashara, Prepaid Economy & Informal Sector, Research, Rural Economy | Also tagged , | Leave a comment