Always Moving Always Sharing Somaliland

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“We can directly receive money from the UK through Zaad.” - Tawfiiq, Male, entrepreneur BORAMA Over the course of a single week, currency fluctuations impacted the value of our camel investment by ~11%. HARGEYSA B&MG - SOMALILAND MOBILE MONEY STUDIO D RADIODURANS MAY 2015 68
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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
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SOMALILAND POWER STRUCTURE: TRIBAL
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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 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: SHILLING REMITTANCE TO CURB INFLATI
Page 71 and 72: DISRUPTING THE SHADOW CENTRAL BANK
Page 73 and 74: REMITTANCE AND THE RETURNING DIASPO
Page 75 and 76: “We want independence, but the So
Page 77 and 78: METHODOLOGY The team used qualitati
Page 80 and 81: WHAT WE DIDN’T COVER While the te
Page 82 and 83: TEAM Ahmed Fixer+ Muse Fixer+ Laure
Page 84: S T U D I O D R A D I O D U R A N S
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Always Moving Always Sharing Somaliland

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