Can mobile money transform women's lives? The digital revolution has spread in many developing countries and mobile telephony is readily available and has penetrated areas not yet reached by other prior inventions. In Africa for example, the mobile adaption has grown in recent years and in 2017 overall subscriber penetration was recorded at 44% . However, women still face a challenge or ‘triple divide’ –that is digital, rural and gender divide ( FAO, 2018:5 ). The Mobile Gender Gap Report of 2018 established that mobile connectivity is not spreading its gains equally across gender. Some...
A review of research on how information services based on mobile phone technology can improve the lives of smallholder farmers has found only patchy evidence of success. The study conducted through an exploratory literature review focused on the impact of mobile phone-enabled services on farmers. They looked at 23 studies of such services in Africa, Asia and Latin America. The study was conducted against a commonly held notion that these services hold a promise for developing world farmers and that these mobile services can improve their yields. Mobile phone services for farmers covered...
Highlights Blockchain and ICT4D Blockchain use cases in ICT4D Opportunities for blockchain In the past month within the ICT4D, blockchain is probably the most popular topic. The question that l feel resonates with many colleagues in the agricultural sector (and ICT4D) is that, what is this technology, and does it offer any value in international development work? It is with this self-inquisitiveness that l read the GSMA report entitled, ‘ Blockchain for Development: Emerging Opportunities for Mobile, Identity and Aid ”. My initial interest was to get practical applications and use cases of...
This article surmises that in Africa technology can help farmers not lose income by knowing ahead when to sell their produce. Technology can connect farmers to the markets; market failure is an outcome of a communication failure between farmers and markets. The solution of 2KUZE , is a commercial system designed by MasterCard which links farmers and trading in a virtual market place, using text messages on basic mobile phones. This is an example of the many simple technological innovations that can transform agriculture in African countries, and improve income of smallholder farmers. The...
mFarmer is an app developed by EcoHub that aims to provide free information such as access to market information, training and education to improve their productivity and yields and mobile money in order to enable farmers to be part of the formal financial system. mFarmer provides farmers with information such as weather data, optimal uses of fertilizers and inputs, sustainability best practices, and other content improves their profitability and their livelihoods. Watch the mFarmer pilot video: Credits: mFarmer The great majority of the world’s farmers have limited access to broadband data...
Esoko is a communication tool created with a view to building connection between businesses, projects, NGOs, governments and smallholder farmers. Esoko started as a price information service but the team soon realized that farmers needed much more than market information and added weather alerts, crop advice, and linking buyers with sellers. Various research finds such services can improve incomes for farmers by roughly 10%. Watch this introductory video on Esoko: Credits: Esoko Over the years, Esoko developed two products: Tulaa and Insyt . Tulaa is a mobile money solution that allows...
M-Pesa (M is for mobile, “pesa” is Swahili for “money”) was launched by Safaricom, Vodafone’s Kenyan associate, on March 6, 2007. The service is designed to safely send receive and store money via a simple mobile phone. The service also allows customers to make bill payments and top-up airtime. In order to use M-Pesa, customers have to register for the service at an authorised agent and deposit cash in exchange for electronic money which they can send to their family or friends. All transactions are secured by entering a PIN number and both parties receive an SMS confirming the transferred...
Over 90% of sub-Saharan Africa’s 48 million smallholder farmers lack access to formal credit. Although agriculture accounts for around 65% of employment and 32% of gross domestic product, less than 6% of commercial loan recipients are smallholder farmers. The problem is on both sides: on the one hand, farmers cannot purchase quality inputs to improve their production, on the other hand, financial institutions cannot provide loans without an accurate assessment of the farmers’ financial viability. Farmers are therefore left with little access to credit, and financial institutions with a hole...
