Always Moving Always Sharing Somaliland

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ZAAD, REDUCING BARRIERS TO FINANCIAL INCLUSION Telesom’s efforts to bring mobile and financial literacy to the market with Zaad lower the cost of entry for Dahabshiil. Does Dahabshiil’s consolidated, banking-lead approach provides a value proposition to an increasingly savvy consumer base? With increasing advances in their ecosystem, we see Dahabshiil and Somtel with their e-Dahab and financial ecosystem of banking and remittance as likely to take a bite out of Telesom’s B2B market share. However, we believe that the unique dependence on cellular voice services (due to a largely pastoral and highly oral society) will provide Telesom with a standing value proposition through its integration between its widely used mobile offerings and Zaad. We believe that Zaad’s growth to date, based partially on Telesom’s intense awareness of customer needs and the local market, will maintain their standing as an important transitive platform as the market matures. Chai house, where the cost of a sweet brew and container seat is SLSH 1000. HARGEYSA B&MG - SOMALILAND MOBILE MONEY STUDIO D RADIODURANS MAY 2015 74
“We want independence, but the South will never let us go.” - Ismail, Male, Shop owner HARGEYSA
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Always Moving, Always Sharing Mobi
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Executive Summary A lack of interna
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SUGGESTED READING These three artic
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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
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As a comparison… Somaliland Myanm
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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 and 68: SHILLING REMITTANCE TO CURB INFLATI
Page 70 and 71: TOWARDS FINANCIAL INCLUSION By supp
Page 72 and 73: RECOGNITION, INFRASTRUCTURE & ECONO
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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