Always Moving Always Sharing Somaliland

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Promotion for the Zaad Shortcode. We used it often, but believe that it will take off more broadly once shillingsbased mobile wallets are introduced. It currently does not support fractional dollar transactions. HARGEYSA - TELESOM MAIN OFFICE “Without Zaad, our lives would go backwards.” - Name, M/F, Description LOCATION
HOW TO SEND MONEY II The recently-introduced short code for using Zaad creates a locally unprecedented affordance, allowing a transaction to happen with only two commands. The interplay between the sender and receiver is interesting, especially in a retail setting. A seller indicates the price for an item intended for purchase. The buyer finds or asks for the seller’s posted Zaad number. The buyer enters a short code, the seller’s Zaad, and the item cost. Since this shorthand does not support fractions of a dollar, the buyer typically rounds up. In contrast to the purest form of short code, he does not yet enter his PIN—he first wants to confirm the seller. He receives feedback of the seller’s identity and the amount to be transferred. If correct, he enters his PIN. The seller receives a confirmation of transfer, including the buyer’s name and phone/Zaad number. As no US change is available in <strong>Somaliland</strong>, change is then given in shillings. B&MG - SOMALILAND MOBILE MONEY STUDIO D RADIODURANS MAY 2015 55
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 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: HOW TO SEND MONEY There are two way
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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