Tag Archives: biashara economics

An economy of trust

Cash on credit is the caption given to this cartoon by the BBC. Neighbourhood groceries are offering their regular customers cash advances in addition to bread and milk. While the media is filled with a plethora of stories of heartbreak, my own suspicion is that we’ll discover the resilience of the cash intensive informal sector […]

Posted in Alternative currency, Banking, Base of the Pyramid, Cashless transactions, Consumer Behaviour, Economy, India, Indigenous & Traditional, Informal & Flexible, Perspective, Research, Risk, Systems, Value | Also tagged , , , | Leave a comment

Perspective on the Carpenter’s Problem

This is my favourite concept for describing how to cost effectively iterate complex systems solutions within a given set of constraints and conditions. That is, the ideal solution for best fit, can be said to lie in the shaded area as shown in the graph above. This approach to solution framing comes from operations research […]

Posted in Design, Perspective | Also tagged , | Leave a comment

Detailed breakdown of Uber’s business model in Kenya puts spotlight on weaknesses

Latiff Cherono has just published an indepth analysis of what exactly it takes for an Uber driver in Nairobi to cover the cost of doing business. Here’s a snippet, In this post, I try to understand the root cause of the disconnect between how the customer (who defines the value), Uber (the service that controls […]

Posted in Africa, African Consumer Market, Analysis, Business Models, Consumer Behaviour, Design, East African Community, Ecosystem, Emerging Markets, Income, Innovation Planning, Kenya, Marketing, Mobile platform, Perspective, Platforms, Strategy, Sub Saharan Africa, Technology, Uganda, urban | Also tagged , , , , , , , | Leave a comment

Analysis of the mobile phone’s impact on cash flows and transactions in the informal sector

As we saw, Mrs Chimphamba needs to juggle time and money as part of her household financial management in order to ensure that expenses can be met by income. We also saw that the mobile phone was made viable and feasible by the availability of the prepaid business model that gave her full control over […]

Posted in About, Airtime, Analysis, Banking, Base of the Pyramid, Biashara Economics, Business Models, Cashless transactions, Collection, Consumer Behaviour, Economy, Expenses, Flexibility, Frameworks, global, Income, Indigenous & Traditional, Informal & Flexible, Mobile platform, Prepaid Economy & Informal Sector, Research, Rural Economy, Savings, Scarcity, Value | Also tagged , , , , , , | Leave a comment

How to Spot Signals of Local Purchasing Patterns in the Market

This photograph is taken from a regular news item from a Liberian newspaper announcing the opening of a new petrol station in the town of Ganta. What caught my attention is the size of the LPG cylinders being promoted. On the left is the 6kg and on the right is an even smaller size that […]

Posted in Africa, African Consumer Market, Analysis, Base of the Pyramid, Biashara Economics, Consumer Behaviour, Economy, Frugality, Income, Marchés africains, Marketing, Prepaid Economy & Informal Sector, Research, Retail in Africa, Sub Saharan Africa, urban, User research | Also tagged , , , , , , | Leave a comment

Poverty is Dynamic and Flexible, Just like the Informal Economy: Evidence from India

…the concept of poverty today is fundamentally different from that of poverty three decades ago, and that safety nets need to be tailored to meet the needs of a society in transition.~ The Hindu, 2 Aug 2016 When quantitative data provided by the India Human Development Survey (the first large panel survey in India) provokes […]

Posted in Analysis, Assumption filter, Base of the Pyramid, Biashara Economics, Ecosystem, Frameworks, India, Informal & Flexible, Literature review, Perspective, Prepaid Economy & Informal Sector, Research, Rural Economy, User research | Also tagged , , , , , , | Leave a comment

Le commerce direct des produits fabriqués en Chine est-il susceptible de perturber le marché des consommateurs africains?

This article has been translated into the French by Yacine Bio-Tchané La première plateforme d’e-commerce spécialisée dans la vente directe des produits fabriqués en Chine vient d’être lancée au Togo, un pays de l’Afrique de l’Ouest. Coincé tout comme la République du Bénin entre deux grands pays davantage connus, le Nigeria et le Ghana,le Togo […]

Posted in Africa, Afrique francophone, Analysis, Attractivité, Business Models, Cashless transactions, CEMAC, China, Commerce en ligne (e-commerce), Compétitivité, Consommateurs, Emerging Markets, Marchés africains, Mobile platform, Perspective, Platforms, Produits de grande consommation (FMCG), Strategy, Sub Saharan Africa, Technologie, UEMOA | Also tagged , , , , , , | Leave a comment

Will Direct Access to China-made Goods Disrupt Trade in West Africa’s Consumer Market?

The first e-commerce platform for direct trade of China made products has just been launched in the West African country of Togo. Squeezed together with the Benin Republic between the larger, and better known countries of Nigeria and Ghana, Togo is a small francophone country of around 7 million people. Per the article: “We want […]

Posted in Africa, African Consumer Market, Afrique francophone, Analysis, Business, Business Models, Cashless transactions, China, Commerce en ligne (e-commerce), Consommateurs, Distribution, Emerging Markets, Ghana, Marchés africains, Marketing, Mobile platform, Perspective, Platforms, Strategy, Sub Saharan Africa, Technologie, Technology, UEMOA | Also tagged , , , , , , , , | Leave a comment

Borderland Biashara: Mapping the Cross Border, National and Regional Trade in the East African Informal Economy

And, we’re back! With apologies for the long delay in posting on the blog, we’d been busy wrapping up our groundbreaking design research for development programming project for Trade Mark East Africa this past month or so. As you can imagine, the last few weeks of any project suck all the bandwidth out and leave […]

Posted in Africa, Analysis, Base of the Pyramid, Business Models, Cashless transactions, Design, Economy, Ecosystem, Frameworks, Indigenous & Traditional, Informal & Flexible, Innovation Planning, Kenya, Literature review, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, Process, Projects and Reports, Research, Retail in Africa, Strategy, Sub Saharan Africa, Systems, User research | Also tagged , , , , , , , , , , , , , , , , , | Leave a comment

Trade is the network

Trade is not a verb or a noun. Trade is a living, breathing network of give and take. When Doc and gang wrote The Cluetrain Manifesto all so many years ago, the first chapter described teh “bazaar” – that markets are conversations was a revelation to the first world in the generations since the end […]

Posted in Biashara Economics, Perspective | Also tagged | Leave a comment