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Recent Innovations in Money Mobile: Moving Past the M-PESA Model

Photo Credit: TechCentral

Within the last month, there have been multiple new examples of mobile phones being leveraged to expand financial services in developing nations. With the popularity and quick success of M-PESA in Kenya, there was a push to copy the model in other developing countries. But it has been realized that the M-PESA model cannot be simply duplicated. The new mobile money products and services need to focus on solving a customer’s pain (or perceived pain) within the regional context (competition, policy environment, culture, infrastructure, etc). The examples below show how innovation in the market is occurring to meet the needs of customers. Mobile Network Operators (MNOs) are seeing the benefits of providing an expanded set of value-added services to differentiate themselves in the market. In a recent TECHTalk at USAID with Pamela Riley from Abt Associates, she explained that MNOs are most focused on increasing and keeping their customers. With greater competition in the mobile network market, the ability to create more value to a MNO’s service keeps the customers from jumping from one provider to another (usually easier because one MNO’s SIM card can be easily switched out for another’s). The MNOs’ desire to increase revenue creates an incentive for them to implement innovative solutions based on the needs of their customers but also within the region’s entire context.

Below are a few recent examples of innovation in the mobile money space:

Mobile Banking

RedCloud Technology recently completed Bolivia’s first mobile money platform. The product, Nube Roja, was created from a $1.2 million investment from BlueOrchard, CONFIE (Corporación de Fomento a Iniciativas Económicas S.L.), PROFIN (Fundación para el Desarrollo Productivo y Financiero), Iceni Mobile, and RedCloud. The goal of the product is to provide access to financial services to roughly 6.5 million people in Bolivia who do not have a bank account. A pilot of the service will begin in the near future with customers being able to cash in, cash out, top up their airtime, transfer money person-to-person, and send remittances.

A newly formed partnership between First National Bank (FNB) and retail store PEP allows customers in South Africa to use FNB’s eWallet for banking services at the retail store. As long as the individual has a bar-coded South African ID, he/she can deposit, withdraw, send, make payments, and purchase goods at any PEP store in South Africa. In the past, only FNB customers could use the product. But with this partnership, FNB is looking to reach the unbanked in the country. Partnering with PEP expands FNB financial services to 1,200 stores and gives greater access to those who have a mobile phone.

As a part of a strategy to expand financial services further into the rural areas of Mexico, the National Savings Bank and Financial Services (Bansefi) is going to use mobile technologies through the implementation of the Program of Technical Assistance to Rural Microfinance (Patmir). Their goal is to have over 15% of their new partners and customers be served with low-cost mobile technology. Bansefi will be hiring a consulting firm to provide technical assistance with the implementation of new technologies, innovations, and best practices.

Money Transfer Services

In partnership with one of the leading MNOs in India (BSNL), the Indian Post Office has begun its own mobile money service. The service allows money be transferred via text message and utilizes the physical post offices to act as cash in/cash out locations. It works by the sender providing the post office with the receiver’s information (number and address) along with the amount to be sent. Once the cash is deposited, both the sender and receiver are text messaged a unique code by the Post Office. In order to withdraw the money, the receiver shows the code to the Post Office. There is a service charge of 5% and is available to individuals across all networks.

Airtel has plans to establish mobile money transfer services in Kenya and Tanzania as it has already done in Uganda. The goal of the new services, as stated by Michael Okwiri, Vice President of Corporate Communivation at Airtel Africa, is eventually create a cross-border money transfer service between the three countries.

Western Union and Telma, a Malagasy telecomm company, have partnered to start an international mobile money transfer service. The new service allows citizens to transfer money via their mobile phones by using Western Union’s international transfer service. By combining Telma’s mobile money service (MVola) and Western Union’s service, individuals can receive money transfers from abroad via their mobile phone. The transfer will go directly into their MVola account. At this point, it is only a one-way service as Malagasy citizens can not send transfers outside the country. MVola, like other mobile money services, allows customers to purchase goods, make payments, and deposit/withdraw money.

ATM

As a part of Airtel’s new mobile money platform in Uganda, customers will be able to process transactions at ATMs. This includes paying bills, accessing their bank accounts, and withdrawing Airtel money using ATMs located country-wide. This service was made possible via partnerships with banks which include Standard Chartered, Post Bank, KCB, and Diamond Trust Centenary Bank.

Credit-Worthiness

A Cambridge start-up has created software in order to help determine an individual’s credit risk by looking at how the person uses their mobile phone. Cignifi has received $2 million in funding after piloting the product last year in Brazil. The software looks at multiple data points in order to further understand one’s lifestyle. It creates a score similar to the FICO score used in the United States. Since many developing countries do not have credit bureaus or limited ones, it is more difficult to calculate the credit risk of an individual person. This is innovative way to understand the riskiness of an potential borrower.

February 8, 2012/by actualize

Civil Society, Democracy & Governance, Originally posted on the GBI Portal

Digital mapping and governance: the stories behind the maps

This is a guest post from Jamie Lundine, who has been collaborating with Plan Kenya to support digital mapping and governance programming in Kwale and Mathare.

Throughout October and November 2011, Plan Kwale worked through Map Kibera Trust with Jamie Lundine and Primoz Kovacic, and 4 young people from Kibera and Mathare, to conduct digital mapping exercises to support ongoing youth-led development processes in Kwale county. One of the important lessons learned through the Trust’s work in Kibera and Mathare is that the stories behind the mapping work are important for understanding the processes that contribute to a situation as represented on a map. To tell these stories and to complement the data collection and mapping work done by the youth in Kwale, the Map Kibera Trust team worked with the Kwale youth to set up platforms to share this information nationally and internationally. Sharing the important work being done in Kwale will hopefully bring greater visibility to the issues which may in the longer term lead to greater impact.

Sharing stories of local governance

To support their work on social accountability, the Kwale Youth and Governance Consortium (KYGC) mapped over 100 publicly and privately funded community-based projects. The projects were supported by the Constituency Development Fund (CDF), Local Area Development Fund (LATF), NGOs and private donors. As one channel of sharing this information, the Consortium set up a blog called Nuru ya Kwale (Light of Kwale). According to KYGC the blog “features and addresses issues concerning promotion of demystified participatory community involvement in the governance processes towards sustainable development. We therefore expect interactivity on issues accruing around social accountability.” This involves sharing evidence about various projects and stories from the community.

One example is the documentation of the Jorori Water project in Kwale; through the mapping work, the Governance team collected details of the constituency development fund (CDF) project. The funding allocated to upgrade the water supply for the community was 6,182,960 ksh (approximately 73,000.00 USD). From their research the KYGC identified that the Kenya Open Data site reported that the full funding amount has been spent.

A field visit to the site however revealed that project was incomplete and the community is still without a stable water supply, despite the fact that the funding has been “spent.”

Jorori Water Project, built using approximately 6.2 million shillings (73, 000.00 USD)

Read more about the questions the team raised in terms of the governance of CDF projects, including the detailed the project implementation process and some reflections on why the project stalled. This is information on community experiences (tacit information) that is well-known in a localized context but has not been documented and shared widely. New media tools, a blog in this case, provide free (if you have access to a computer and the internet) platforms for sharing this information with national and international audiences.

Addressing violence against children and child protection

Another blog was set up by the Kwale Young Journalists. The Young Journalists, registered in 2009, have been working with Plan Kwale on various projects, including Violence against Children campaigns. The group has been working to set up a community radio station in Kwale to report on children’s issues. Thus far, their application for a community radio frequency has encountered several challenges. New media provides an interim solution and will allow the team to share their stories and network with partners on a national and internal stage.

The Kwale Young Journalists worked with Jeff Mohammed, a young award-winning filmmaker from Mathare Valley. The YETAM project not only equips young people with skills, but through peer-learning establishes connections between young people working on community issues throughout Kenya. The programme also provides young people with life skills through experiential learning – Jeff reflects on his experience in Kwale and says:

Jeff and the Kwale Young Journalists shooting a scene from “The Enemy Within”

“My knowledge didn’t come from books and lecturers it came from interest, determination and persistence to know about filmmaking and this is what I was seeing in these Kwale youths. They numbered 12 and they were me. They are all in their twenties and all looking very energetic, they had the same spirit as mine and it was like looking at a mirror. I had to do the best I could to make sure that they grasp whatever I taught.”

Jeff worked with the Young Journalists on a short film called “the Enemy Within.” The film, shot with flip-cameras, tells the story of 12-year-old girl who is sold into indentured labour by her parents to earn money for her family. During the time she spends working, the young girl “falls prey of her employer (Mr.Mtie) who impregnates her when she is only 12 years old.” Jeff reflects that “early pregnancies are a norm in the rural Kwale area and what the young filmmakers wanted to do is to raise awareness to the people that its morally unacceptable to impregnate a very young girl, in Enemy Within the case didn’t go as far because the village chairman was bribed into silence and didn’t report the matter to higher authorities.” This is a common scenario in Kwale, and the young journalists plan to use the film in public screenings and debates as part of their advocacy work in the coming months.

Jeff and the Kwale Young Journalists shot the film in four days – they travelled to Penzamwenye, Kikoneni and also to Shimba Hills national park to shoot 7 scenes for the movie. Read more about Jeff’s reflections on working with the Kwale Young Journalists on his blog.

Sharing ecotourism resources

The Dzilaz ecotourism team – a group that encourages eco-cultural tourism in Samburu region of Kwale county — also integrated social media into their work. During the last week (November 8th-12th) the group set up a blog to market the community resources, services and products. They also plan to document eco-culture sites and the impact that eco-tourism can have on the community. As of November 10th, 2011 the Dzilaz team had already directed potential clients to their website and thus secured a booking through the information they had posted.

The importance of telling the stories behind the maps

One important component to mapping work is to tell the stories behind the map. The three groups in Kwale are working to build platforms to amplify their grassroots level work in order to share stories and lessons learned. The information documented on the various platforms will develop over time and contribute to a greater understanding of the processes at a local level where youth as young leaders can intervene to begin to change the dynamics of community development.

January 31, 2012/by actualize

Humanitarian Assistance, Originally posted on the GBI Portal

Tweets update on Kenya-led anti-Al-Shabaab operations

Today, anyone with a Twitter account can receive updates on Kenyan military operations in Somalia aimed at reducing the threat posed by the Al-Qaeda-affiliated militant group: Al-Shabaab.

According to the Washington Post, Kenya sent troops into Somalia earlier in October in response to a series of cross-border kidnappings and grenade blasts in its capital Nairobi alleged to have been carried out by the Somali Islamist group, which controls most of southern Somalia.

Major Emmanuel Chirchir, Kenya’s military spokesman, offers updates, via Twitter, on military operations targeting Al-Shabaab. Twitter users can also ask questions, send their message of support to Kenyan troops, and offer feedback on events on the ground, via the #operationlindanchi hashtag.

“The strategy remains to reduce Al-Shabaab effectiveness and restore the Transitional Federal Government (TFG) authority,” Maj Chirchir said on his official Twitter account.

Kenyan Defense Forces (KDF) “engaged Al-Shabaab in their camp in the Busar area, exchanged fire and 12 Al Shabaab players [were] killed”, he added.

Earlier in the month, the KDF sank a boat killing 18 Al-Shabaab fighters and footage of the operation is available on YouTube.

“The boat was challenged to stop for identification but continued to approach the Kenya Navy at high speed -fired at”, Maj. Chirchir tweeted.

Maj. Chirchir has also used Twitter to ask people with relatives and friends of civilians located in Al-Shabaab controlled towns of to warn them of imminent KDF attacks on the militant group. Since Al-Shabaab has resorted to using donkeys to transport their weapons, Maj. Chirchir warned that any large concentration and movement of loaded donkeys will be considered as Al-Shabaab activity.

Decades of civil conflict allows war lords, pirate gangs, and militant groups to control parts of the country and challenge the authority of the internationally-backed Transitional Federal Government (TFG). Kenyan troops add to Ugandan and Burundian contingencies already present. With the abduction of aid workers, killings of civilians in Uganda and Kenya, Al-Shabab is fast becoming a regional security issue.

January 4, 2012/by actualize

Agriculture, Health, Originally posted on the GBI Portal

Weaving eHealth Into the Fabric of the African Health System

The 4th Afrihealth Conference, held in Nairobi, Kenya on Nov. 30 and Dec. 1, broadened the debate on the adoption of Telemedicine, mHealth and eHealth in Africa, and brought attention to the need to integrate and mainstream eHealth into the continent’s health system.

The theme of the conference was “consolidating the gains of technological innovation in healthcare through effective management,” and some debate sparked on what direction to take eHealth in Africa.

According to Science and Development Network reporter Maina Waruru, experts attending the conference argued that “a focus on high-tech healthcare solutions could come at the expense of basic prevention such as access to clean water and sanitation, good nutrition and hygiene, and health education.” Since 80 percent of illnesses in Africa stem from preventable infectious diseases, this focus on high-tech is a move in the “wrong direction.”

But the potential for using ICTs to continue to improve basic healthcare in Africa is great, and a focus should be on ensuring that appropriate technology is utilized and effectively delivered.

One concern attendees brought up was the lack of a legal framework to determine what qualifies a person to work as an “e-health” professional. E-health is often practiced by non-professionals such as ICT technicians and nurses, and many countries have not established what qualifications are needed to be certified as a professional.

In addition, physicians in many countries are of an older generation and received their degrees before the ICT explosion. Many are not comfortable with situations where they consult with patients remotely, without actually being in the room with them.

Image from Dr. Kwankam's powerpoint presentation at Afrihealth conference

From Dr. Kwankam's presentation at Afrihealth 2011 conference

To address some of these issues, Shariq Khoja, the coordinator of the e-health program at Aga Khan University, has suggested that laws should be put into place to “accommodate and mainstream [e-health].” According to Dr. Yunkap Kwankam of the International Society for Telemedicine and eHealth, “for eHealth to take root and thrive…it must itself be transformed…we must weave eHealth into the fabric of the health system.”

Dr. Kwankam claims that Africans can benefit from technology changes by effectively managing it and charting a course for ICT in health through an organized eHealth profession, national eHealth policies and strategies, and addressing large eHealth challenges, such as scaling up eHealth interventions.

Dr. Kwankam and other experts’ presentations from the conference are now available.

December 7, 2011/by actualize

Health, Humanitarian Assistance, Originally posted on the GBI Portal

Using ICTs to Address HIV/AIDS in Humanitarian Emergencies

Responding to humanitarian emergencies poses a complex set of challenges that is exacerbated in areas where high rates of HIV/AIDS exist. The number of people living with HIV/AIDS hovers around 33 million and the vast majority live in sub-Saharan Africa, bringing to the forefront the complex interactions between HIV/AIDS, food security, livelihoods, and humanitarian action. This unique set of issues leads to the question of whether ICTs can be leveraged to address HIV/AIDS challenges in humanitarian crises, and if so, which groups are already doing so.

ICTs have been a used as a means for addressing HIV/AIDS issues in humanitarian situations by global aid agencies. The United Nations (UN) has recognized the impacts on HIV/AIDS on food security and is responding by integrating HIV into humanitarian responses. A priority for the UN Office for the Coordination of Humanitarian Affairs (OCHA) has been to “ensure a sustained flow of information and analysis on AIDS and [HIV] needs of populations in humanitarian situations” by producing reports, web specials, audio reports, fact files, etc. on the Integrated Regional Information Networks (IRIN) website. For example, IRIN radio produced a weekly 10-episode radio drama on HIV and AIDS for Somalis to listen to in the crisis country. The drama started on October 15^th and can be heard on the IRIN website.

FilmAid screening film at Kenyan refugee camp

Photo credit: FilmAid

Nongovernmental organizations are also using ICTs to address HIV/AIDS in humanitarian situations. FilmAid provides knowledge and empowerment to people suffering the effects of war, poverty, displacement or disaster through informational films. The organization works with communities to create films that are appropriate to the local context and relevant to community issues. One of the issue areas that FilmAid focuses on is Health & Safety, including HIV/AIDS. The organization has created various films relating to HIV/AIDS issues, such as a series of PEPFAR films that were shown in a Dadaab refugee camp in Kenya. The PEPFAR films were developed with the communities in Dadaab and promoted the prevention of mother-to-child HIV transmission, the uptake of voluntary counseling and testing (VCT), and abstinence.

The human rights organization WITNESS has created a video that tells the story of people living with HIV/AIDS in the war-torn Eastern region of the DRC, shown below. The film advocates for the provision of free testing, increased access to medical care, and prevention outreach in an area that desperately needs it.

These cases show that ICTs can be leveraged to address HIV/AIDS issues in humanitarian emergencies on many different levels, such as information flow, education, and advocacy. There is vast potential for increased ICT to more effectively and quickly address HIV/AIDS issues in humanitarian crises.

December 1, 2011/by actualize

Economic Growth & Trade, MicroEnterprise Development, Originally posted on the GBI Portal

Did you make the shortlist? Kenya’s Tandaa Digital Grants Doubles

Nearly 150 companies and individual submissions made the shortlist for Kenya’s Tandaa Digital Content Grant. The Tandaa Digital Content Grant, a competitive campaign to unearth and finance web and mobile-phone apps developers, was unveiled last year by the Ministry of Information and Communication, through the Kenya ICT Board.

At its inception 15 grantees benefited—companies, individuals and groups of varying sizes. But this year the Kenyan government will double direct funding through grants.

The renewal of this successful initiative will see 30 awards being doled out to shortlisted candidates in varied categories. The Ministry of Information and Communication says the highly attractive Tandaa Digital Content Grant is worth up to US$50, 000 for companies, US$10, 000 for individuals and teams, plus a matching grant of US$150, 000 for established companies.

The grant is further evidence of Kenya’s bold and thoughtful ICT policy framework, which is increasingly backed by solid initiatives. It will further stimulate ICT innovation and could spur greater economic growth. ICT already account for five cents in every dollar of Kenya’s annual income. The policy is solid to the extent that it tackles the key hindrance to the expansion of Kenya’s ICT sector: financing. Companies, particularly start-ups, that specialize in web and mobile solutions face major hurdles in their quest to access funding. The risky nature of their ventures, getting innovation to market successfully, also heightens the perception of risk in financial circles.

However, the challenge of financing mobile-innovation must be tackled in a more meaningful way: a sustainable solution, not simply grants. A mixture of subsidized loans, and targeted finance for micro and medium size technology firms is necessary for a potent long-term strategy to find a toehold. Grants have a place in the overall strategy, but they are not central to the long-term financing challenge.

For further information, please go here.

November 21, 2011/by actualize

Agriculture, Health, Originally posted on the GBI Portal

Mobile Health App Launched in Kenya Will Increase Access to Healthcare Information

MedAfrica, the Nairobi-launched mobile health app that makes basic health information more readily available through phones, is generating buzz in mHealth for Africa.

The app was developed by the start-up tech firm, Shimba Technologies, and boasts a sustainable, innovative business model. Shimba CEO Steve Mutinda says the tech company “aims to achieve by creating platforms that facilitate dissemination of information and build communities around the different issues and conditions [in health] while at the same time converging all stakeholders and amplifying their efforts.”

The platform provides information such as doctor and hospital listings, drug authenticators, and lists of symptoms with suggestions for self-diagnosis. This sort of symptom checking could be very useful in countries like Kenya, where as little as 14 physicians exist for every 100,000 people. Members of MedAfrica explain that because the app is providing such valuable information to clients, as well as recommending good doctors and dependable, lab-tested drugs, users are willing to pay for the service.

Originally meant to provide health information solely in Kenya, MedKenya was the overall winner for the East African mobile tech event Pivot25 competition. Changing the name to broaden the app’s potential scope, MedAfrica presented at Demo Fall 2011; in video below, VentureBeat interviews Mutinda and a colleague.

The best news about the launch of the app is its potential scalability. The organization wants to use its launch in Kenya as a road map to scale the product to other African countries. MedAfrica’s mission is to reach every household in Africa.

The content for the app will come from partners such as the Nairobi Hospital and open data from the Kenyan government. During the launch, Kenya’s ICT Board Chairwoman Catherine Ngahu called on other medical institutions, physicians, and health providers to supply content for the app as well.

Given Kenya’s track record in developing some of the most innovative apps in Africa, if not the world, it’s no surprise that MedAfrica has garnered so much attention and holds so much hope for expansion.

November 9, 2011/by actualize

Agriculture, Agriculture Markets, Education, Extension Service, Food Security, Mobile, Originally posted on the GBI Portal

Reforming Ag. Extension, One ICT at a Time!

Photo Credit: M-Kilimo Project

Two recent case studies on some ICTs for agricultural development projects supported through the GSMA Development Fund – mAgri Program reveal an emerging trend within the broader Agricultural Extension Services (AES) and specifically in the developing nations, that worth commenting on. The revealing trend I’ve noticed, is that, either drastic policies and actions be taken to restructure the current educational systems of agricultural extension agents/officers or nations be prepared to seed-off their agricultural advisory services to the private sector (full privatization).

The projects are M-Kilimo in Kenya which has been developed as a result of cooperation between Rockefeller Foundation and KenCall the largest BPO Company in East Africa. The second project is IFFCO Kisan Sanchar Limited (IKSL), which is also a tri-lateral venture between Indian Farmers Fertilizer Cooperative Ltd (IFFCO), Airtel, and Star Global Resources Ltd.

The following two stories tell the kind of impact these two ICT4Ag projects are having on the lives of rural farmers in the respective countries.

Sanjay Mondal, a farmer from India had his cucumber farm infested with necrotic leaf lesions. After discussing his problem with IKSL staff remotely, the disease was diagnosed and a topical spray of Sectin fungicide in the ratio of 2mg per litre of water was prescribed. The total cost of the treatment was 500 Indian rupees. The yield increased by 50% as a result, and income also went up by 50% (India – IKSL).

Nahomi, a chicken farmer in Kenya had problem with thin weak egg shells that did not allow her to sell or store the eggs in that quality. She called M-Kilimo and the livestock expert on the other end of the line suggested that she gives the chicken a feed rich in calcium. By using a calcium rich poultry feed or adding fishmeal to the feeds will increase the calcium content of her feed, the expert explained. Now, Nahomi’s chickens are laying good quality eggs and she can sell more eggs as a result of the advice and availability of M-Kilimo experts (Kenya – M-Kilimo).

A closer look at the design and operational models of IKSL and M-Kilimo predicts the future demise of most National Agricultural Extension Services (NAES) if the necessary reforms of the current educational systems delay. I will attempt to explain my argument from two perspectives – the human resources level of extension staffs and the medium of delivery of the information to the end users (which is also a factor of ICT human resource development).

Human Resource – Agricultural Extension and Education

The traditional agricultural extension service as the main platform for delivery of new innovations, technologies and information to farmers, has its strength in the extension staffs. The extension agent/officer/worker is seen as a “Change Agent”. These officers are mostly public servants trained and equipped to be, most of the time, in direct contact with their clients, the farmers. Even though the service has been engulfed with a host of problems, its human interaction capability is still strong which helps not only to deliver new innovations but also train users how to use these technologies through field demonstrations. However, my personal experience tells me of the poor quality of extension staffs currently on the field in most developing countries due to a number of issues.

A recent study I conducted with over 30 agricultural extension officers from three agricultural districts in Ghana shows that only 39% did receive some form of undergraduate degree in agriculture. The remaining 61% is made up of either certificate in agriculture or diploma in agriculture obtained in the late 70s and early 80s.

The IKSL and M-Kilimo projects have tended to improve upon this traditional human resource development in extension. For example the IKSL project acknowledged that the quality of its experts is critical for their success since these experts decide the content of the messages that are being delivered to the users. As a result, they have a minimum qualification of first degree in agriculture for their first line of staffs that are in direct contact with the users; highly experienced academics and specialists in agriculture for second line experts; and the third line of 10 specialists who regularly convene to vet and validate contents being delivered to the users.

M-Kilimo also has similar model with emphasis on trustworthy and effective system to deliver appropriate information to the end user. The project also requires the experts to have a minimum of bachelor’s degree in agriculture and at least 2 years of relevant field experience. This first line of experts is supported by Subject Matter Experts (SME) to help provide quality assurance service for content and delivery. Also the contents are obtained from the Ministry of Food and Agriculture, National Weather Station, and other Research Institutes within and outside the country.

Photo Credit: IKSL

Medium of Delivery – Timely and Remote Access to Information

Even though the traditional medium for agricultural extension has improved over the years including the mass communication technologies such as radios and televisions; and recently with mobile phones, the face-to-face interaction still dominates most NAES. Extension officers are expected to visit individual farmers’ field and other farmers groups to deliver new information. This continues in the wake of high extension officer-farmer ratios (1:3000 and over), one of the primary indicators used to measure the intensity of extension coverage in a country. Ironically, most of the public extension officers who have access to the new ICT facilities through public telecenters, and other community information centers are not well trained and equipped to use them to facilitate their work.

The result is the deplorable condition of information or knowledge gap as seen in the stories of the two farmers above prior to the intervention of M-Kilimo and IKSL in Kenya and India respectively. But how many rural farmers have access to M-Kilimo and IKSL and similar projects across the developing nations?

With the IKSL and M-Kilimo projects, a critical part as seen in the stories above is ‘remote delivery of information to users’ – either through their mobile phones or SMS messages. The use of these tools facilitates timely delivery of information to users. Apart from the information communication systems that are put in place, ICT human resources development of the helpline experts is important. These features of the emerging information communication systems are helping to ensure more accurate, appropriate, timely and remotely accessible information to end users such as rural farmers whose farming success are previously determined by extension agents/officers.

Implications for National Agricultural Extension Services (NAES)

ICTs are not here to replace the rich human interactions between rural agricultural farmers and extension agents. It should be recognized that the social capital created through face-to-face interactions during extension visits are irreplaceable. ICTs are “technologies” that can enable social behaviors. But without some drastic reforms of the existing extension system, especially the educational standard of the extension staffs, I see the gradual downfall of the public agricultural extension system in most developing countries. Could this be a journey towards a kind of partnership/collaboration in the future where research and development will remain in the public domain while extension and advisory services go to the private sector? With the general acceptance of “Agribusiness Models” across the world within smallholder agricultural production, I do expect to see changes within agricultural extension and advisory services in the next few years – I do expect to see more private sector involvement in extension delivery.

November 1, 2011/by actualize

Agriculture, Environment, Originally posted on the GBI Portal

Animal poaching: Is there an app for stopping that?

Normally we write on less glamorous (but crucial) subjects like telecoms operators, fiber cables, or ICT policy. Now, we turn our attention to an urgent cause in need of technology: the protection of African wildlife.

Technology has yet to effectively reduce the number of illegal wildlife killings in areas like South Africa and Kenya. In fact, rhino poaching has increased in South Africa this year, with 324 white rhinos lost so far this year. By comparison, poachers killed at least 333 rhinos last year, and only 13 officially in 2007. Prior years saw 15-100 rhino deaths in South Africa – not nearly as severe as the past couple of years. One possibility is that official statistics don’t accurately reflect the actual number of taken animals. However, the demand for rhino horns, for example, has increased due to a variety of sources.

The white rhino – more valuable to the tourism industry than to the black market.

As domestic pressure to illegally kill these animals diminishes, however, the void is rapidly filling with Asian demand for rhinoceros horns. For one, the supply chain has shortened with the growing number of economic collaborations between China and nations like Kenya. Even if African governments no longer condone poaching, foreign crime channels will find a way through the backdoor. In 2009, Yolan Friedmann, CEO of the Endangered Wildlife Trust, commented on how poaching is becoming more hi-tech. Along those lines, why can’t poaching prevention counter the advances in poachers’ organization, weaponry, and transportation?

At this stage, the Internet serves to raise global awareness of wildlife issues. WildlifeDirect, a non-profit registered in both the United States and in Kenya, hosts dozens of wildlife conservation blogs which are updated regularly by specialists who are on the ground in Africa. Best yet, the blogs are grouped by region (with most hailing from Eastern Africa).

Blogging is a great start to raising awareness. The next logical step would be to add crowd-sourcing efforts to spot poaching (Ushahidi is a potential platform). However, monitoring the vast open spaces of Africa is not as simple as monitoring election violence. Very few people live in proximity to rhinos or elephants. Plus, mobile Internet is not ready available in remote areas, meaning that mobile apps are currently out of the question.

Another solution would be to install remote cameras to monitor clandestine activity. Presumably, real-time video could be transmitted via WiMAX to a fibre node which then would relay the signal to a monitoring station. Again, such a task is made difficult by tens of thousands of acres of open land (and the ability of helicopters to circumvent roads).

We’ve created a Twitter list (@oafrica/african-animal-activism) to follow the online efforts to encourage animal conservation, prevent the slaughter of endangered species, and protect their habitats. Fifteen of the twenty accounts on the list have Klout scores of 40 or greater.

October 25, 2011/by actualize

Agriculture, Food Security, Originally posted on the GBI Portal

The Magic of ICTs: Rural Women in Agriculture

Photo Credit: OpenIdeo

Let’s imagine the state of the global food security in the next 3-5 years, if rural women decide to back out of agriculture and food production today? Secondly, let’s visualize how access to information and communication technologies (ICTs) by rural women could reverse the negative impacts that this could make on the globe – that is the magic!

Rural women in most of the developing world play an indispensable role in improving the quality of life through agriculture, food production, processing and decisions concerning nutrition and diet. According to the United Nations Food and Agriculture Organization (FAO), over two thirds of all women in Africa are employed in the agriculture sector and produce nearly 90% of food on the continent. As the world recognizes the importance of rural women on the International Day of Rural Women (2011), I would like to highlight some of the key roles that rural women play across the globe in sustaining life. The piece concludes with the ‘envisioning’ of ICTs to improve the current deplorable conditions of these rural women. While each of these cases highlights the “role” of rural women in agriculture, they also inform the public (in general) and our policy makers (in particular) about the plight of this hardworking social group within our society.

In Bangladesh, rural women are known for their traditional role in a wide range of agricultural activities including post-harvesting, cow fattening and milking, goat farming, backyard poultry rearing, horticulture, and food processing. Women, almost equal to the contribution of male family labor, carry out some 40-50% of field irrigation and non-farm water management.

Depending on the geographic location in Bhutan, rural women may dominate agricultural production. The population consists of 49% women, and 62% of them work in agriculture. Agriculture remains the primary economic activity in the rural areas of Bhutan in addition to other dominant activities as kitchen garden and livestock. Women considerably contribute to household income through farm and non-farm activities.

The situation is not different in India where the national rural female work participation rate is around 22%. While agriculture is a household enterprise, social norms demarcate the division of labor based on sex and age. Activities like transplanting and weeding are regarded as women’s jobs, whereas both men and women perform activities like harvesting and post-harvesting.

About 79% of Kenya’s population lives in rural areas and relies on agriculture for most of its income. The rural economy depends mainly on smallholder subsistence agriculture, which produces 75% of total agricultural output. The poorest communities are found in the sparsely populated arid zones, mainly in the north and made up of households headed by women, herders, and farm laborers. Subsistence farming is primary – and often the only – source of livelihood for about 70% of these women.

In Rwanda, women account for about 54% of the population, and many households are headed by women and orphans. Agriculture remains the backbone of the economy contributing an average of 36% of total GDP, and employs more than 80% of the population. Rural livelihoods are based on agricultural production system that is characterized by small family farms, practicing mixed farming that combines rain-fed grain crops, traditional livestock rearing and some vegetable production and dominated by women.

A substantial proportion of Nepalese women (40%) are economically active. Most of these women are employed in the agriculture sector, the majority working as unpaid family laborers in subsistence agriculture characterized by low technology and primitive farming practices. As men increasingly move out of farming, agriculture is becoming increasingly feminized in Nepal.

In Pakistan, women are key players in the agriculture sector, which employs almost 12 million women in the production of crops, vegetables and livestock. The cotton crop, accounting for half of national export earnings, depends heavily on female labor. Women have the exclusive responsibility for cotton picking, exposing themselves in the process to health hazards emanating from the intensive use of pesticides.

In Sri Lanka, about 80% of the population lives in rural areas in which women play an important role in the agriculture sector. About 42% of the female labor force is engaged in agricultural activities. Gender roles in slash and burn cultivation, rice paddies and home gardens vary according to the cultivation practiced in these systems of production. Women take on activities related to transplanting, post-harvesting and household level processing of home garden produce.

The agriculture sector of Ghana contributes about 33.5% of GDP and remains the country’s major engine of economic growth. Over half the country’s population lives in rural areas. About six in ten small-scale farmers are poor, and many are women. Women bear heavy workloads. In addition to their domestic chores, they are responsible for about 60% of agricultural production. More than half the women who head households in rural areas are among the poorest 20% of the population.

In Côte d’Ivoire, most of the country’s poor people are small-scale farmers. They face problems of market access, low prices for export crops and inadequate basic social services. Rural women, who lead the sector, have limited or no decision-making power over the allocation of land, and they are dependent on men for access to land. Yet gaining access to land is crucial for these women because their livelihoods depend largely on the production of food crops.

In Indonesia, women represent the mainstay of rural households, providing family as well as farm labor. Agriculture accounts for the highest share of rural employment. Since most rural households control small amounts of land or have no land at all, rural women often seek to supplement household income and food security through off-farm employment in small and medium enterprises, some of which have links to agricultural production.

The East African country of Ethiopia, has about 12.7 million smallholders who produce about 95% of agricultural GDP under extremely vulnerable conditions such as drought and other natural disasters. Households headed by women are particularly vulnerable. Women are much less likely than men to receive an education or health benefits, or to have a voice in decisions affecting their lives.

Poverty in the Sudan is deeply entrenched and is largely rural. Poverty particularly affects farmers who practice rain-fed agriculture. It is more widespread and deeper in rural areas dominated by women and children and in areas affected by conflict, drought and famine. In general, small-scale farmers and herders in the traditional rain-fed farming and livestock sectors are poorer than those in the irrigated agricultural sector.

Tanzania has about 85% of its poor people living in rural areas and relies on agriculture as their main source of income and livelihood. Within the agriculture sector, food crop producers who are mainly women, are generally poorer than cash crop farmers, but both operate under cyclical and structural constraints and are subject to frequent natural calamities.

Despite all these contributions of women to agricultural sector under the aforementioned harsh conditions, their role has tended to be seen as secondary to that of men. Unfortunately, the opportunities offered by ICTs in the digital age, are not immediately available to the poorest of the poor – who are mostly ‘rural’ women. Rural women in most developing countries face important constraints with respect to ICTs. Some of these include the limited time availability to participate in training and use of ICTs due to the nature of their role at home, low literacy level, minimal access to technology such as mobile telephones or computers, and social and cultural stigma that goes with the social group.

Notwithstanding, there is an increasing body of evidence that shows how ICT is contributing positively to women’s socio-economic empowerment. A range of ICT models have been used to support the empowerment of women all over the world and there is evidence to show that ICTs have improved women’s access to information, and provided them with new employment opportunities.

While the Food and Agriculture Organization (FAO) estimates that giving women the same access as men to ‘agricultural resources’ could increase their farm production by 20-30%, I would like to state that giving women same access as men to “ICTs” could increase their farm productivity by 20-30%.

October 14, 2011/by actualize

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