Always Moving Always Sharing Somaliland

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TEAM Ahmed Fixer+ Muse Fixer+ Lauren Design Director, Studio D Amal Guide Pascal Senior Strategist, Studio D Jan Founder, Studio D + City guides Fatima, Dek & Sayd. Illustrations by Hargeysa-based Hanad Arts, proofing Nils Down. + Thanks to Jake Kendall and Abed Mutemi at the Bill & Melinda Gates Foundation. B&MG - SOMALILAND MOBILE MONEY STUDIO D RADIODURANS MAY 2015 82
About Studio D Studio D Radiodurans is a research, design and strategy consultancy headquartered in San Francisco. We provide discreet services to an international client base and thrive in challenging environments. Contact us. B&MG - SOMALILAND MOBILE MONEY STUDIO D RADIODURANS MAY 2015 83
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 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: F-SCALE RATING Studio D assigns a F
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Always Moving Always Sharing Somaliland

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