Solar Solution to Lack of Electricity in Africa

 

Electricity is critical to improving human development and living standards. Yet, for many in the global South, electricity is either non-existent or its provision is patchy, erratic, unreliable or expensive.

Just as Africa has been able to jump a generation ahead when it comes to communications through the mass adoption of mobile phones – a much cheaper option than trying to provide telephone wires and cables across the continent – so it could also bypass the burdensome costs of providing electricity mains to everyone by turning to smaller electricity generation technologies such as solar power. This is called “off-grid” electricity.

The UN has set the goal of universal access to modern energy services by 2030. A report issued in April 2010 by United Nations Secretary-General Ban Ki-moon’s Advisory Group on Energy and Climate Change (AGECC) calls for expanding energy access to more than 2 billion people (http://www.unido.org/fileadmin/user_media/Publications/download/AGECCsummaryreport.pdf).

The report found that a lack of access to modern energy services represents a significant barrier to development. Some 1.6 billion people still lack access to electricity.

A reliable, affordable energy supply, the report says, is the key to economic growth and the achievement of the anti-poverty targets contained in the Millennium Development Goals.

When a person has electricity and the lighting it powers, it is possible to do business and study late into the night. Electric lighting also makes streets and living areas safer. Electricity can power a plethora of labour-saving and life-enhancing consumer goods: televisions, refrigerators, vacuum cleaners, air conditioners and fans, washing machines, clothes dryers, computers. And electricity recharges that most essential item, the mobile phone, on which millions rely to do their daily business.

After witnessing the struggle African health clinics have to access electricity, a Nairobi, Kenya-based company has developed a simple solution to ensure a steady supply of solar electricity. One Degree Solar’s (http://onedegreesolar.com/) founder, Gaurav Manchanda, developed and sells the BrightBox solar-charging system for lights, mobile phones, tablet computers and radios.

He first gained experience working in the West African nation of Liberia with the Clinton Health Access Initiative (http://www.clintonfoundation.org/main/our-work/by-initiative/clinton-health-access-initiative/about.html). Working at the country’s Ministry of Health, he found most health clinics operated without electricity.

He identified solar power as the only viable energy source. Trying to deliver fuel to power generators by the road network had two impediments: the diesel fuel was expensive and the road conditions were poor.

After seeing that large solar-power systems required significant maintenance and upkeep, he started to explore the possibility of low-cost, and simple-to-use solar electricity products that would be useful to community healthcare workers.

This became the beginning of One Degree Solar and its mission.

The company’s main product is the BrightBox, a cleverly designed solar charger. A bright orange box with a folding, aluminum handle at the top for easy carrying, it switches on and off simply with a bright red button. It has a waterproof solar panel. The BrightBox has USB (universal service bus) (http://en.wikipedia.org/wiki/Universal_Serial_Bus) ports so that mobile phones and radios can be plugged in. It is also possible to plug in four lights at once with the four outports on the side of the box.

It meets the standards set by the Lighting Africa initiative (http://lightingafrica.org/specs/one-degree-brightbox-2-.html) of the International Finance Corporation and the World Bank.

One Degree Solar claim it is possible to set up a BrightBox in 10 minutes. When the indicator light has turned green, the box is fully charged and capable of providing 40 hours of light.

A full charge can power two light bulbs for 20 hours. Manchanda told How We Made It In Africa (http://www.howwemadeitinafrica.com/) that he has sold 4,000 units of the BrightBox since its launch in October 2012.

According to The Nation, the BrightBox is currently retailing in Kenya for Kenyan shillings 7,000 (US $82).

One Degree Solar’s product range is sold to local resellers and distributors. The products are designed to be repaired using locally sourced parts and can be fixed by local electricians.

Most of the sales so far have been in Kenya but the firm has also sold units to other countries.

Testimonials on the BrightBox website tell of the transformation to people’s lives the clean energy source makes: “BrightBox has helped us in so many ways! We used to spend 800 Shillings (US $9.50) a month for two paraffin lanterns. The fumes smelled and always made us feel sick.”

Manchanda is a strong believer in Africa’s potential and its future and dismisses those who are negative about the continent.

“That was not a holistic assessment, but rather, an unnecessary and damaging generalization,” he told How We Made It In Africa. “Fortunately, most news outlets in Africa are now available online and offer a wider range of perspectives. The middle class is booming in certain countries. We have seen the success of mobile phones in enabling people to access other services. I think hope and progress come with innovation. Technology access has helped create entirely new markets and reach populations that otherwise could have taken decades to service with traditional approaches.

“India was in a similar space 15 years ago before the Internet boom, and today parts of Nairobi (Kenya) are just like Delhi (India): people have a cell phone or two, there are large shopping malls, a booming middle class, and new construction everywhere.”

By David South, Development Challenges, South-South Solutions

Published: June 2013

Development Challenges, South-South Solutions was launched as an e-newsletter in 2006 by UNDP's South-South Cooperation Unit (now the United Nations Office for South-South Cooperation) based in New York, USA. It led on profiling the rise of the global South as an economic powerhouse and was one of the first regular publications to champion the global South's innovators, entrepreneurs, and pioneers. It tracked the key trends that are now so profoundly reshaping how development is seen and done. This includes the rapid take-up of mobile phones and information technology in the global South (as profiled in the first issue of magazine Southern Innovator), the move to becoming a majority urban world, a growing global innovator culture, and the plethora of solutions being developed in the global South to tackle its problems and improve living conditions and boost human development. The success of the e-newsletter led to the launch of the magazine Southern Innovator.  

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Time-Tested Iranian Solutions to Cool and Refrigerate

Keeping food cool is critical for human health. No matter what the climate, a cool environment will prolong food preservation, stave off spoilage and lower the risk of food poisoning. This is crucial for the poor because it means they can reduce food waste and avoid illnesses caused by food poisoning. Diarrhea is a common problem when people do not have access to refrigeration for their food.

Food security is also enhanced, as more can be stored and less thrown away as waste. Keeping food cool also means less need for preservation techniques, such as using salt, spices or smoke. Salt and smoke both can have adverse affects on human health. Salt increases sodium in the diet, which leads to high blood pressure, and smoke is a carcinogen which can lead to various forms of cancer.

It is healthier to keep food in its natural state – and keep it cool.

While the invention of the electric refrigerator was a major breakthrough, it requires a steady supply of electricity, which is expensive and difficult for many people.

Various pre-electric refrigeration technologies have been developed over the centuries. Among them was a pioneering technology used in Persia (modern-day Iran) as far back as the 11th century (http://en.wikipedia.org/wiki/Avicenna). And now, it is being looked to once again today as a sustainable refrigeration solution that does not damage the environment.

Iran’s solution involves creating a domed ice house made from earth bricks. Many ancient ice houses have been discovered on the edge of deserts, where ice was scarce and supplies remote. The solution was to create a dugout channel at the rear of a domed house and then flood the channel with water. When the temperature dropped at night in the desert, the water would freeze into ice.

Rising early in the morning, the resident would break up the ice into blocks and store them inside the ice house. This was repeated night after night until there was enough ice in the house that it could last the summer months.

The water was drawn from elaborate irrigation systems used for farming.

The ice houses were cone and dome-shaped and included some with underground structures. To date, a project headed by Dr. Hemming Jorgensen has documented 129 centuries-old ice houses at the fringe areas of large deserts in Iran. Jorgensen, from the University of Copenhagen in Denmark, has documented the use of these structures on his “Ice Houses of Iran” website (http://www.hemmingjorgensen.com/).

In 18th and 19th century England, ice houses were also common place in country estates to keep food cool in kitchens. Today, there are growing numbers of people around the world who are turning to technologies such as ice houses to find sustainable, non-electric, low-carbon alternatives to electric refrigeration.

Another environmentally friendly cooling solution from Iran involves using wind catchers to circulate air during the hotter months. Called bagdir wind towers, or windcatchers (http://en.wikipedia.org/wiki/Windcatcher), they have been used in Yadz, Iran since the 19th century.

Profiled in Green Building Magazine (http://www.greenbuildingpress.co.uk/product_details.php?category_id=10&item_id=235), the wind towers are made of stone, and channel wind down into a shaft to cool or heat the rooms below. It is an air circulation solution that does not take any energy – because it uses the wind – and is carbon neutral. In summer, the wind is drawn down into a stone chimney by low air pressure zones in the ventilation system. It is cooled, and then is circulated through the dwelling, rising as it warms up through the house. This is combined with a strategy of moving rooms depending on how hot or cool they are, adjusting clothing based on the temperature, or even placing water on the floor to cool the air.

In Nigeria in West Africa, a cooler called the zeer (http://practicalaction.org/zeer-pots) has been developed. It works like this: two ceramic earthenware pots of different sizes are arranged one inside the other. The space between the pots is filled with wet sand and kept moist. The user then places drinks or vegetables inside and covers it with a damp cloth. As the water from the moist sand evaporates (http://en.wikipedia.org/wiki/Evaporation), the air inside the centre pot is cooled several degrees, enough to preserve some foods and drinks.

By David South, Development Challenges, South-South Solutions

Published: June 2013

Development Challenges, South-South Solutions was launched as an e-newsletter in 2006 by UNDP's South-South Cooperation Unit (now the United Nations Office for South-South Cooperation) based in New York, USA. It led on profiling the rise of the global South as an economic powerhouse and was one of the first regular publications to champion the global South's innovators, entrepreneurs, and pioneers. It tracked the key trends that are now so profoundly reshaping how development is seen and done. This includes the rapid take-up of mobile phones and information technology in the global South (as profiled in the first issue of magazine Southern Innovator), the move to becoming a majority urban world, a growing global innovator culture, and the plethora of solutions being developed in the global South to tackle its problems and improve living conditions and boost human development. The success of the e-newsletter led to the launch of the magazine Southern Innovator.  

Follow @SouthSouth1

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Ambitious Schemes Hope to Advance Economic Development

Sometimes it takes a bold, fresh start to speed up economic and human development goals. Taking a large-scale approach has been used around the world, either establishing new trade zones or even a new city.

Two recent examples in Nigeria and Afghanistan are attempting to speed economic development in their respective countries, with both receiving help from experienced Asian practitioners of rapid economic development.

The role models for this approach are the so-called “Asian Tigers”: they include Taiwan, Hong Kong, Singapore and South Korea. They are admired because each country rose from extreme poverty to become some of the Earth’s richest nations. Importantly, what they did stands as proof that extreme poverty can be escaped from; people can become much wealthier in just a decade or two.

The pioneer of using trade zones to speed development is the Asian city state of Singapore (http://www.gov.sg/government/web/content/govsg/classic/home)..Fifty years ago it was one of Asia’s poorest countries. With its port (http://www.mpa.gov.sg/) it had a way to turn things around but it also realized in the early 1960s it could not just compete by having cheap labour, something that was plentiful across the developing world (http://www.mti.gov.sg/MTIInsights/Pages/Economic-History-and-Milestones.aspx). It needed unique technical skills that could not be found elsewhere.

The country was unable to create products and services that it could export and compete in global markets because of a lack of skills, the Government determined. Authorities employed a mix of measures to make the country attractive to foreign companies to boost skills. These included fair enforcement of local laws, tax incentives and upgraded infrastructure, much of it paid for with an infrastructure tax, rather than borrowing. With the influx of new thinking and high-quality skills, new technologies and new ways of doing things, in time, a culture of innovation became hardwired into the way things were done in Singapore.

Beginning in 1961 with the Jurong Industrial Estate (http://infopedia.nl.sg/articles/SIP_246_2004-12-16.html), the Singapore government set aside land to develop the economy by attracting international businesses and boosting its existing port facilities. It also established the Economic Development Board (EDB) in 1961 and the Singapore Tourism Promotion Board (STPB) in 1964.

By creating favorable conditions for international businesses to come in and operate, Singapore quickly developed to become one of Asia’s wealthiest trading and manufacturing centres.

This is a strategy China successfully implemented in the 1980s and 1990s and in turn generated the largest and quickest population shift out of poverty in human history, turning the country into an economic powerhouse.

The secrets to making this strategy work include understanding what modern infrastructure requirements are necessary for international businesses. These days, this means speedy and generous bandwidth for the Internet, modern airports, roads, security, and quality housing and food.

One of the biggest contemporary challenges is competition. Whereas Singapore was a pioneer in its day, now, many countries across the global South are pursuing this strategy to spur growth. An international company has many options to consider, and will more than likely gravitate towards the country that makes the best offer with the least risk.

Trade zones are places ripe with opportunity for innovators. New places tend to be seeking the latest in information and communication technologies, the latest in transportation options, modern housing and office facilities. All of these changes require innovators with fresh thinking to make them work. It is also often easier to introduce new ways of doing things to places that are not coping with legacy infrastructure and old habits and ways.

Billing itself as a “new model city,” the Lekki Free Zone Lagos, Nigeria (lekkizone.com) in West Africa is trying to bring a fresh start to the city and the region. It is a joint partnership between investors from China and Nigeria.

Its goal is to better connect regional markets to the global economy. The free trade zone hopes to remove barriers to growth and to attract international investment, becoming the top destination for inward investment in Africa. The project is being run by the Lagos State Government but funded with private capital investment.

Nigeria has been looking into Free Zones since 1982, as it sought additional ways to earn income apart from oil exports. The Export Processing Zone Act 63 was passed in 1992 and the Calabar Export Processing Zone was eventually set up in 1999 (http://www.nepza.gov.ng/index.php?option=com_content&task=view&id=18&Itemid=34). Since then, a slew of Free Zones have been set up, or are in the works.

The Lekki Free Zone is envisioned as a high-tech zone that will eventually lead to the creation of 2 million jobs. The Zone’s investors are targeting businesses working in oil and gas, petrochemicals, electronics, light and heavy equipment, machinery and automobiles, pharmaceuticals, textiles, shopping and banking and financial services.

Lagos State is home to 21 million people, and the current city of Lagos is on course to become the third-largest megacity in the world. Officials claim the area has an economic growth rate of 16.8 per cent per year.

The 16,500 hectare Lekki Free Zone, to the southeast of the city, is divided into two parts: an industrial zone and a residential zone. The residential zone will include apartments and villas, shopping malls and plazas, hospitals and clinics, schools and research and development centres and a hotel, tour and recreational centres, golf courses, gyms and water sports facilities.

Located on the southern coast of Nigeria with connections to the Atlantic Ocean and the Gulf of Guinea, the Lekki Free Zone says it will give companies access to the largest consumer market in Africa, with a potential reach of 500 million people.

The companies will also be able to draw on Nigeria’s natural resources, including oil, natural gas, timber, rubber, cocoa, Arabic gum and sesame seeds as examples.

Another new beginning is being sought in war-torn Afghanistan, which is working on building a new city close to the capital, Kabul.

Kabul New City started construction in 2013 and is planned to be a city of canals, parks and villas. It will be home to 1.5 million people, cost US $33 billion and take 15 years to complete. It is being partly funded by Japan.

It is a very ambitious scheme for a country that has been mired in conflict for decades. It is hoped the initial seed capital invested by Japan will attract other investors to fully fund the project. Japan got the project going with a commitment to contribute US $106 million between 2009 and 2015.

The site of Kabul New City is 19 kilometres from the existing Kabul, near the Bagram airbase used by NATO forces in the country.

Foreign military forces are looking to leave Afghanistan in 2014 and the new city offers a fresh start for the country after years of conflict.

Located in an area surrounded by the Marko mountains, it is in “one of the safest areas of Afghanistan,” Abdul Habib Zadran, Chief Financial Officer of the Dehsabz-Barikab City Development Authority (http://www.dcda.gov.af/), the agency in charge of the project, told The Sunday Times.

The project could be a significant leap ahead in modernization from the current conditions in Kabul, where the streets are in poor condition and buildings in disrepair. Kabul was originally built for 800,000 people, according to The Sunday Times, but now has over 4 million residents. Projections forecast the city growing to 6.5 million people by 2025. Kabul will experience extreme pressure to handle this growing population and find the resources to serve it.

The homes would receive electricity from solar panels and renewable energy sources. Kabul New City will need to tackle the problem of access to enough water to service the growing new city’s population. Plans are afoot to provide water from rivers north of the city.

The master plan for the new city has been designed by Zahra Breshna (breshna-consulting.com), an Afghan-German company which has also built the new Kabul Bank headquarters. The company calls the project “a new beginning for Kabul.”

By David South, Development Challenges, South-South Solutions

Published: May 2013

Development Challenges, South-South Solutions was launched as an e-newsletter in 2006 by UNDP's South-South Cooperation Unit (now the United Nations Office for South-South Cooperation) based in New York, USA. It led on profiling the rise of the global South as an economic powerhouse and was one of the first regular publications to champion the global South's innovators, entrepreneurs, and pioneers. It tracked the key trends that are now so profoundly reshaping how development is seen and done. This includes the rapid take-up of mobile phones and information technology in the global South (as profiled in the first issue of magazine Southern Innovator), the move to becoming a majority urban world, a growing global innovator culture, and the plethora of solutions being developed in the global South to tackle its problems and improve living conditions and boost human development. The success of the e-newsletter led to the launch of the magazine Southern Innovator.  

Follow @SouthSouth1

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Indian Initiatives to Make Travel Safer for Women

Shocking assaults on women traveling in India have galvanized innovators to find solutions. One solution that is proving successful is to establish specialist taxi services for women. As a happy additional benefit, these taxi innovators are transforming the taxi experience, introducing more ethical practices such as honest fares, professional and safe driving habits and clean, hygienic and comfortable taxis.

With sexual harassment levels high and several shocking assaults and rapes of women in Indian cities grabbing global media attention, Indian women are now being offered a variety of women-driver-only taxi services to ensure they get to work and home again safely.

As well as offering their passengers security, these companies are also redefining the taxi experience with innovation. As travelers know, the taxi experience in many cities can be frustrating, fraught with scams, rip-offs, disputes over fares, unhygienic taxi interiors and poor driving skills. These pioneering women-only taxi companies are trying to show there is another way: that taxis can be clean, meters honest and driving safe and sound.

Security for women has come into the media spotlight in India after a series of high-profile attacks and sexual assaults. The country is undergoing major economic and social change as it modernizes and urbanizes. Women are seeing their incomes and their role in the economy increase.

This brings both opportunities and risks. Women who would have only lived and worked in a small geographical area, and generally associated only with their family or a small village, are now mobile and in contact with the busy urban environments of megacities awash with strangers.

One woman is raped every 20 minutes in India, according to the National Crime Records Bureau. But police estimate only four out of 10 rapes are reported, largely due to victims’ fear of being shamed by their families and communities. At the beginning of March 2013, a campaign to raise awareness on women’s safety was launched in Delhi to chime with International Women’s Day. The UN also confirmed in March 2013 a global strategy to combat violence against women (http://www.un.org/womenwatch/daw/csw/57sess.htm).

One champion of safer transport for women in India is Revathi Roy, a rally car driver and entrepreneur. She started a women-only taxi company in Mumbai called Forsche in 2007 out of raw economic need, and to solve a problem.

“I am a very fussy passenger and I would get upset that the seat was not comfortable, or the driver was driving too rashly for my liking,” Roy told BBC News.

“I would also find it irritating that some drivers would stare at me from their rear-view mirror and one day, I just decided I had had enough.”

Forsche – pronounced “for she” – a play on the German car maker Porsche’s name – was one of the pioneers in bringing all-women taxi services to India. Their drivers’ uniform came in pink and purple with a purple scarf worn around the neck.

However, Roy parted ways with her previous business partner and set up Viira Cabs (viiracabs.com/) in 2011. Viira means ‘courageous woman’ according to Roy.

Roy hopes passengers from young girls to senior citizens will feel safer and more confident knowing a woman is the driver.

“The attitude of Indian mothers is changing,” she said. “Now they know their daughters go out and drink. They realize they may as well keep them safe by putting them in the hands of a woman who at all times is playing the role of a mother or a sister.  A man can’t be a woman. And just because a woman is sitting at the wheel she doesn’t become a man.”

The company has 20 taxis and 25 drivers. It uses a fleet of Maruti Eecos (http://marutisuzukieeco.in/), a mini van made by Suzuki capable of carrying four adult passengers and their luggage. Viira also seeks to improve driving standards on Mumbai’s roads by setting a good example with safe, defensive driving techniques.

A pioneer of female taxi drivers in India, Roy is now the Mentor and Chief Driving Officer for Viira Cabs. According to the company’s website, she is looking to train thousands of women to be able to make their livelihood as a taxi driver.

“Driving is still very male dominated and in Mumbai where most people travel by public transport, there are very few women with driving licenses,” she explained.

“Viira is a very powerful platform for poor, urban women who are now able to earn up to Rs 12,000 a month (US $222),” Roy told CNN.

Viira’s drivers wear a professional uniform of a peaked cap, white short sleeved shirt with blue trim, and a plastic identification badge on a blue lanyard. This makes it clear from the start to passengers who is driving them.

The service runs 24 hours a day, seven day a week, and journeys are dispatched from the company’s call centre. To keep the service safe as can be, all vehicles are monitored by GPS (global positioning system) and a panic alert system. The drivers receive self-defence and defensive-driving training so they can elude any dangers while on the road. They also know how to handle roadside emergencies and are backed up by 24/7 support from the call centre.

The taxis follow the standard charges set down by the Mumbai region. By using mini-vans, passengers are able to enjoy a comfortable and roomy ride in air conditioned comfort – a big plus in a hot country. The vans run on CNG (compressed natural gas) (http://en.wikipedia.org/wiki/Compressed_natural_gas), reducing pollution.

To add even more value to the journey experience, the taxis feature live television and Internet web surfing using something called Tabbie TM (Tablet in a Cab), a 10-inch-wide computer tablet.

In addition to the taxi service, the Viira Motor Training School offers driver training to women with low incomes. Its 12-week program covers all the main areas of taxi-driving skills – driving theory, mechanics, customer service, health and safety and self-defence – but also goes to the next level and gives the students training on a vehicle-driving simulator donated by the Suzuki company.

Roy said she hopes to expand the business from Mumbai to smaller urban areas “where Indian women are most starved of opportunities.”

Long-term, she wants to become “India’s premier chauffeur and fleet service.”

Roy’s success with these companies led to the founding of the social enterprise Sakh Consulting Wings (http://sakhaconsultingwings.com/about-us.php) to support establishing similar services in other Indian cities.

Sakha Consulting Wings is partnered with the Azad Foundation to promote taxi driving as a viable career for women from poor backgrounds.

Super Cabz in Delhi (http://www.supercabz.com/women-friendly-cab-service-delhi-ncr.php) is another service aimed at women. It has innovations such as panic buttons in the back seats of the cabs and mobilizers to allow the central call centre to shut the cab’s engine down in an emergency. There is also a GPS monitoring and tracking system to keep tabs on the cabs as they go about the city.

By David South, Development Challenges, South-South Solutions

Published: May 2013

Development Challenges, South-South Solutions was launched as an e-newsletter in 2006 by UNDP's South-South Cooperation Unit (now the United Nations Office for South-South Cooperation) based in New York, USA. It led on profiling the rise of the global South as an economic powerhouse and was one of the first regular publications to champion the global South's innovators, entrepreneurs, and pioneers. It tracked the key trends that are now so profoundly reshaping how development is seen and done. This includes the rapid take-up of mobile phones and information technology in the global South (as profiled in the first issue of magazine Southern Innovator), the move to becoming a majority urban world, a growing global innovator culture, and the plethora of solutions being developed in the global South to tackle its problems and improve living conditions and boost human development. The success of the e-newsletter led to the launch of the magazine Southern Innovator.  

Follow @SouthSouth1

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Kenya Reaches Mobile Phone Banking Landmark

 

Financial transactions and banking with mobile phones have been a Kenyan success story.

Now, one service, M-Shwari, has reached a significant milestone in the history of m-banking (mobile phone banking): it was able to record a billion Kenyan shillings (US $11,926,100) in savings deposits in a month after its launch in November 2012 and reached deposits of Kenyan shillings 2.8 billion (US $33 million) by February of 2013. This outstripped the Kenyan shillings 378 million (US $4 million) in loans lent by the service, reports Daily Nation.

M-Shwari is a mobile phone banking product that allows people to save and borrow money by phone and earn some interest too. The service offers small emergency loans to customers, offering a financial lifeline to people who would have been frozen out of financial services in the past.

There is no need to have any contact with a bank or bother with paperwork. And loans are instant because they are small.

Safaricom Chief Executive Officer Bob Collymore told the Daily Nation “Trends show that it has become more of a savings service than a lending service. This is what we intended since the beginning.”

As of February 1.6 million customers had used the service.

On top of this success, the pioneering M-PESA (http://www.safaricom.co.ke/personal/m-pesa/m-pesa-services-tariffs/relax-you-have-got-m-pesa) mobile phone banking platform developed in Kenya by Safaricom is set to roll out across India and help bring banking services to the country’s 700 million “unbanked.”

Both these developments are solid proof that innovation aimed at drawing in the poor into the mainstream economy not only works, it is profitable and exportable.

M-Shwari (http://www.safaricom.co.ke/personal/m-pesa/m-shwari/m-shwari-faqs) works like this: a customer can save as little as one Kenyan shilling to receive an interest rate of up to 5 per cent. If they want a loan, then they can borrow from 100 Kenyan shillings (US $1.19) to a maximum of 20,000 Kenyan shillings (US $238) for a processing fee of 7.5 per cent which will need to be paid back after 30 days.

By offering greater access to loans, M-Shwari s increasing competition in the banking sector and giving customers a choice.

It joins an ongoing revolution in access to credit for the poor. Powerful mobile phones enable individual depositors and businesspeople to organize their financial affairs and business needs on the phone. This is a revolutionary development in many places where people previously had to contend with poor access to financial services – or no access at all.

M-Shwari and products like it allow people to borrow, save and conduct transactions with family, friends, business partners and customers over their mobile phones.

M-Shwari is a collaboration between Kenyan telecoms company Safaricom and the Commercial Bank of Africa. It is being hailed as an example of how banks and telecommunications companies can cooperate to offer innovative financial products to the country.

For the unbanked in India, the initiative between Vodafone India (https://www.vodafone.in/pages/index.aspx) and ICICI Bank, India’s largest private bank, has started to roll out the Kenyan M-PESA mobile phone banking platform in India as of April 2013. They are hoping to open up access to banking to 700 million Indians who currently do not have bank accounts or access to banking facilities. The rollout starts in the country’s eastern regions of Kolkata and West Bengal (CNN).

It looks like access to banking services for the poor in the global South will soon undergo radical change with these large-scale initiatives.

By David South, Development Challenges, South-South Solutions

Published: May 2013

Development Challenges, South-South Solutions was launched as an e-newsletter in 2006 by UNDP's South-South Cooperation Unit (now the United Nations Office for South-South Cooperation) based in New York, USA. It led on profiling the rise of the global South as an economic powerhouse and was one of the first regular publications to champion the global South's innovators, entrepreneurs, and pioneers. It tracked the key trends that are now so profoundly reshaping how development is seen and done. This includes the rapid take-up of mobile phones and information technology in the global South (as profiled in the first issue of magazine Southern Innovator), the move to becoming a majority urban world, a growing global innovator culture, and the plethora of solutions being developed in the global South to tackle its problems and improve living conditions and boost human development. The success of the e-newsletter led to the launch of the magazine Southern Innovator.  

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