Always Moving Always Sharing Somaliland

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The cloud of GRAND GRAND FATHER MOTHER family capital UNCLE AUNT UNCLE AUNT FATHER MOTHER UNCLE AUNT UNCLE AUNT UNCLE AUNT The fluidity of money within a family, enabled by Zaad, is unprecedented. AUNT SON DAUGHTER SON DAUGHTER SON SON DAUGHTER SON While internationally, money is still sent through hawala (namely Dahabshiil, though we also heard examples of people using World Remit and other services), within <strong>Somaliland</strong> and greater Somalia, mobile money is changing how money moves within a family. As many DAUGHTER families SONare distributed DAUGHTERacross SONthe region, DAUGHTER the interoperability between DAUGHTER Zaad SONand Telesom’s local affiliates in Somalia and Puntland makes it the go-to service for sending money to loved ones. SON SON SON SON SON DAUGHTER SON SON SON DAUGHTER DAUGHTER SON SON DAUGHTER DAUGHTER DAUGHTER Of note: we experienced first hand (and more than once) Zaad being used as a tool to send money back and forth between team members, to pay for a lunch, or when someone needed a bit of cash. SON DAUGHTER SON DAUGHTER SON DAUGHTER DAUGHTER SON SON DAUGHTER SON DAUGHTER “I used to send money to relatives via the big buses. DAUGHTER DAUGHTER Now I use Zaad.” SON DAUGHTER DAUGHTER - Deqa, Female, Grocery Shop Owner DAUGHTER BERBERA DAUGHTER B&MG - SOMALILAND MOBILE MONEY STUDIO D RADIODURANS MAY 2015 26
The widespread use of khat can create strong economic dependencies within a family. A bushel (which lasts a day) costs around US$25. HARGEYSAHARGEYSA “My brothers in the UK used to send me money when my kids were in school. Now they send money to my uncle who is sick.” - Hido, Female, Grocery Seller BERBERA B&MG - SOMALILAND MOBILE MONEY STUDIO D RADIODURANS MAY 2015 27
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 and 22: IN SUMMARY: Somaliland provides a u
Page 23 and 24: FOR CONTEXT: A TYPICAL “WESTERN
Page 25: FRICTIONLESS FINANCIAL INTERDEPENDE
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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