Always Moving Always Sharing Somaliland

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2 A Strong Culture of <strong>Sharing</strong> Compared to global norms, in <strong>Somaliland</strong> there are relatively few social barriers to sharing money and other resources between family members, sub-clans, clans and tribes. Money moves freely from those who have to those who need. B&MG - SOMALILAND MOBILE MONEY STUDIO D RADIODURANS MAY 2015 22
FOR CONTEXT: A TYPICAL “WESTERN” FAMILY To understand the flow of money between different families, sub-clans, clans and tribes, lets first consider a typical “western” nuclear family. GRAND FATHER GRAND MOTHER FATHER MOTHER UNCLE AUNT SON DAUGHTER DAUGHTER SON Movement of money within the socially tight family unit as needed, for example for a car loan. DAUGHTER Limited or no financial ties between different branches of the same family. The social family unit remains fairly discrete. B&MG - SOMALILAND MOBILE MONEY STUDIO D RADIODURANS MAY 2015 23
Page 1 and 2: Always Moving, Always Sharing Mobi
Page 3 and 4: Executive Summary A lack of interna
Page 5 and 6: SUGGESTED READING These three artic
Page 7 and 8: SOMALILAND FINANCIAL TERMS GLOSSARY
Page 9 and 10: An Experiment in Democracy In Somal
Page 11 and 12: TRADE FLOWS YEMEN, KSA CHINA / UAE
Page 13 and 14: SOMALILAND POWER STRUCTURE: TRIBAL
Page 15 and 16: STRONG COMMERCIAL FORCES Telesom do
Page 17 and 18: TWO DOMINANT PLAYERS, AND THE REST
Page 19 and 20: As a comparison… Somaliland Myanm
Page 21: IN SUMMARY: Somaliland provides a u
Page 25 and 26: FRICTIONLESS FINANCIAL INTERDEPENDE
Page 27 and 28: The widespread use of khat can crea
Page 29 and 30: MARRIAGE - EXAMPLE OF MONEY FLOWS 1
Page 31 and 32: IN SUMMARY: Circumstance, tradition
Page 33 and 34: DUAL-CURRENCY COMPLEXITY The Somali
Page 35 and 36: EVERYDAY PRICES As an example Aroun
Page 37 and 38: SAVINGS MECHANISMS Depending on inc
Page 39 and 40: “I have a secret SIM my kids don
Page 41 and 42: WHO MAKES THE MONEY MOVE Livestock,
Page 43 and 44: ZAAD USE ACROSS VENDORS Due to the
Page 45 and 46: REPORTED VS. ACTUAL TRANSACTIONS Be
Page 47 and 48: ZAAD AND THE RURAL POPULATION Zaad
Page 49 and 50: TRANSACTIONS & CUSTOMERS OF A SMALL
Page 51 and 52: IN SUMMARY: Blurred lines between c
Page 53 and 54: HOW TO SEND MONEY There are two way
Page 55 and 56: HOW TO SEND MONEY II The recently-i
Page 57 and 58: THE LENGTH OF TRANSACTION In a high
Page 59 and 60: “Without Zaad, our lives would go
Page 61 and 62: NUMBERS & LIMITED LITERACY Literacy
Page 63 and 64: CASE STUDY: SCHOOL TEACHER Jamal, 2
Page 65 and 66: 5 What’s Missing, & What’s to C
Page 67 and 68: SHILLING REMITTANCE TO CURB INFLATI
Page 70 and 71: TOWARDS FINANCIAL INCLUSION By supp
Page 72 and 73:
RECOGNITION, INFRASTRUCTURE & ECONO
Page 74 and 75:
ZAAD, REDUCING BARRIERS TO FINANCIA
Page 76 and 77:
6 Methodology & Approach B&MG - SOM
Page 78:
PARTICIPANTS \ We conducted: • 35
Page 81 and 82:
F-SCALE RATING Studio D assigns a F
Page 83 and 84:
About Studio D Studio D Radiodurans
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Always Moving Always Sharing Somaliland

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