Tag Archives: dynamic income

Can too much formalization be bad for poverty alleviation?

Earlier this year, there was an interesting article which pointed out the important role the informal sector plays in developing countries, particularly on the African continent. Apart from being over-financialised, which reduces the incentives to create “real jobs” the other structural problem facing the South African economy is its over-formalisation. The informal sector accounts for […]

Posted in Africa, Base of the Pyramid, Economy, Emerging Markets, Flexibility, Informal & Flexible, Migrant worker, Prepaid Economy & Informal Sector, Sub Saharan Africa, urban | Also tagged , , , | Leave a comment

Dynamic vs Static Metrics: Attributes for an African Measure of Competitiveness

For analysts everywhere, the challenge of considering each economy in its own right seems to be far too much trouble, and so they tend towards sweeping generalizations which lump all metrics under one label – “Africa”. Some find even that far too exhausting and aggregate Africa along with Europe and the Middle East. These regional […]

Posted in Africa, Analysis, Business, Emerging Markets, Flexibility, Frameworks, Informal & Flexible, Perspective, Prepaid Economy & Informal Sector, Strategy, Sub Saharan Africa | Also tagged , , , , , , , , , , | 1 Response

Risk is dynamic, not static

Exhibition Panel – Samsui Woman, National Museum of Singapore, March 2013 And investor, bankers and venture capitalists imagine they are taking risks that deem high interest rates when operating in Sub Saharan Africa. Come now, you do not gamble with your next meal, your risk is static. What every micro entrepreneur, in the informal economy […]

Posted in African Consumer Market, Analysis, Assumption filter, Banking, Base of the Pyramid, Cashless transactions, Consumer Behaviour, Economy, Ecosystem, Income, Informal & Flexible, Prepaid Economy & Informal Sector, Research, Savings, Strategy, Sub Saharan Africa, Systems, User research | Also tagged , , , , , | Leave a comment