Always Moving Always Sharing Somaliland

TRANSACTIONS & CUSTOMERS OF A SMALL GROCERY STALL
The following data is taken from an interview with the female owner of a small
grocery stall in Hargeysa. We consider this representative of what we learned
elsewhere.
65% TRANSACTIONS IN CASH SHILLINGS
Due to lack of refrigeration, many buy groceries on a daily basis.
Clients who buy daily groceries are more likely to be women.
35% TRANSACTIONS IN ZAAD
Of which most are monthly grocery purchases made by men,
either at the store or in payment for accumulated credit at the
end of the month (of note, women may have been the people
going to purchase monthly groceries, though husbands typically
pay the tab).
“I have to have a Zaad account. If somebody
wants to pay in Zaad, I need to support it.”
DAILY COST OF GROCERIES/PER HOUSEHOLD
Upper class US$10
-Market Vendor
Of the women who visit the shop, 20% of them having Zaad the
remaining 80% do not.
Middle class
Lower class
US$5
US$2.5
WOMEN HAVING ZAAD
We have met women who use Zaad. However most are either
employed/paid salary via Zaad or work in an ecosystem in which
having a Zaad account is necessary (i.e., a market).
B&MG - SOMALILAND MOBILE MONEY STUDIO D RADIODURANS
MAY 2015
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