Tag Archives: kenya

Introduction to rural household energy consumption behaviour in East Africa (1 of 3 parts)

The following is extracted from a six month study during 2012 on household energy consumption behaviour in rural Kenya and Rwanda among the lower income demographic, that led to an understanding of some of barriers hampering the sales of client’s solar products in this market. This first part is an overview of household financial management […]

Posted in Africa, African Consumer Market, Analysis, Biashara Economics, Business Models, Consumer Behaviour, Culture, Design, East African Community, Frugality, Informal & Flexible, Innovation Planning, jua kali, Kenya, Marketing, Mobile platform, Perspective, Platforms, Prepaid Economy & Informal Sector, Projects and Reports, Research, Retail in Africa, rural, Rural Economy, Scarcity, Strategy, Sub Saharan Africa, Systems, Technology, UCSD, User research | Also tagged , , , , , , , , , , , | 1 Response

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

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 […]

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

Innovation, Ingenuity and Opportunity under Conditions of Scarcity (Download PDF)

In July 2009, I was inspired by working in the Research wing of the Aalto University’s Design Factory in Espoo, Finland, to launch a group blog called REculture: Exploring the post-consumption economy of repair, reuse, repurpose and recycle by informal businesses at the Base of the Pyramid*. Within a year, this research interest evolved into […]

Posted in Africa, Design, Innovation Planning, jua kali, Kenya, Perspective, Photography, Prepaid Economy & Informal Sector, Projects and Reports, Research, Scarcity, Sub Saharan Africa, Systems, Technology, UCSD, User research | Also tagged , , , , , , , , | Leave a comment

Signs of Interdependency between the Formal and the Informal Economy

There is a lot to be unpacked here – I made a mindmap of the urban African entrepreneur who is the backbone of the visible emergence of a consumer class. I’m drawing from my experience of the Kenyan context. I started this in response to Michael Kimani’s Storify recently on the mythical “middle class” and […]

Posted in Africa, African Consumer Market, Analysis, Assumption filter, Biashara Economics, Consumer Behaviour, East African Community, Economy, Ecosystem, Emerging Markets, Income, Informal & Flexible, Kenya, Marchés africains, Marketing, Perspective, Prepaid Economy & Informal Sector, Retail in Africa, Strategy, Sub Saharan Africa, urban, User research | Also 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 […]

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

African Youth find Opportunities in Informal Sector Biashara

Biashara in Africa’s emerging economies – Nigeria, Kenya, Zimbabwe- are at loggerheads with the state.  An ever bulging young demographic  and a failure to absorb them into the formal economy has resulted in increased biashara.  The informal sector’s low barrier to entry, appeals to the young Africans’ aspirations, like Simon Danda from Zimbabwe. Rather than […]

Posted in Africa, African Consumer Market, Base of the Pyramid, Biashara Economics, Informal & Flexible, jua kali, Kenya, Mama Biashara, Prepaid Economy & Informal Sector | 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

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