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Mobile money: A foundation for food security

“Food security exists when all people, at all times, have physical and economic access to sufficient, safe and nutritious food to meet their dietary needs and food preferences for an active and healthy life.” (FAO, 1996) Let me begin by explaining that I am not a food security expert but ...

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Creating value for all: Strategies for doing business with the poor

The Growing Inclusive Markets Initiative responds to a need for better understanding of how the private sector can contribute to human development and to the Millennium Development Goals. Led by UNDP, the initiative was conceived in 2006 after the success of Unleashing Entrepreneurship: Making Business Work for the Poor—the 2004 ...

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Dialing for development

Microfinance institutions have recognized that poor people lack the capital and financial services that are necessary for economic growth and job creation. And so these organizations have started offering these services to the world's poorest people, unlocking new economic opportunities for borrowers and lenders. Yet until recently, most organizations ...

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Talking back! Empowerment and mobile phones in rural Bangladesh: A study of the Village Phone Scheme of Grameen Bank

The study assesses the efficacy of the Village Phone (VP) scheme in ameliorating the ‘information poverty’ of the villages that have obtained access to mobile phones in Bangladesh. More specifically, the study has sought to describe the ways in which the VP is operated, how the service is utilised and ...

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Mobile 2.0: M-money for the BoP in the Philippines

This paper explores the reach and use of m-money among the bottom of the pyramid (BoP) in the Philippines using survey data from LIRNEasia’s 2008 Mobile 2.0 surveys. It looks at m-money’s potential and actual use for remittance among internal and external migrant workers and their families. The results are ...

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Designing mobile money services: Lessons from M-Pesa

M-PESA, the Kenyan mobile money service, has seen exceptional growth since its introduction in March 2007. Six million customers have registered with the service, which represents nearly half the customer base of Safaricom, the mobile operator that launched M-PESA. This is a level of penetration in the mobile base that ...

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Understanding key factors in social enterprise development of the BOP: a systems approach applied to case studies in the Philippines

Purpose - The purpose of this paper is to provide a comprehensive perspective on social enterprise development, leading to enhanced understanding of the bottom of the pyramid (BOP) marketplace. Design/methodology/approach - General systems theory is applied to case studies drawn from the Philippines, enabling the authors delineate system actors and ...

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At the Bottom of the Pyramid: Responsible design for responsible business

Thoughtfully responding to the needs and aspirations of the four billion poor living at the margins of the global economy is both wise strategy and pressing obligation for businesses, argues Nimal Sethia. In this context, he identifies key stakeholders and posits knowledge, empathy, networking, and a value-frame as central to ...

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The potential of mobile remittances for the bottom of the pyramid: Findings from emerging Asia

Purpose – This paper aims to explore the extent to which low-income migrant workers in emerging Asia are aware of and are likely to use mobile phones for remitting money to family members at home. Design/methodology/approach – Data were obtained through a survey of 1,500+ local and overseas migrant workers ...

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Who’s got the phone? Gender and the use of the telephone at the bottom of the pyramid

Many studies conclude that a significant gender divide in access to the telephone exists, particularly in developing countries. Furthermore, women are also said to use telephones in a different manner from men – making and receiving more calls, spending more time on calls and using telephones primarily for ‘relationship maintenance’ ...

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Aid is not the answer

There is an inherent paradox in the debate about poverty alleviation that escapes even the most sophisticated observers in the West. Consider the conventional thinking about China and India: They are seen as a threat to the West. The fear is not only about "exporting well paying U.S. jobs" but ...

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Serving the world’s poor, profitably

Improving the lives of the billions of people at the bottom of the economic pyramid is a noble endeavour. It can also be a lucrative one. ...

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The great leap: Driving innovation from the Base of the Pyramid

Billions of poor people aspire to join the world's economy. Disruptive innovation can pave the way, helping companies combine sustainable corporate growth with social responsibility. ...

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The next four billion: market size and business strategy at the base of the pyramid

Four billion low-income consumers, a majority of the world’s population, constitute the base of the economic pyramid. New empirical measures of their aggregate purchasing power and their behavior as consumers suggest significant opportunities for market-based approaches to better meet their needs, increase their productivity and incomes, and empower their entry ...

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“Making Markets Work for the Poor”: An objective and an approach for governments and development agencies

Governments and development agencies’ efforts at promoting economic growth and poverty reduction have achieved mixed results. Different approaches have been tried – some have aimed at major regulatory reform and others intervened to deliver products and services directly and "get things done" – with great achievements in some countries countered ...

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The Slow Race: Making technology work for the poor

Citizen engagement is vital to ensure that science and technology respond to the challenges of international development. ...

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New Media practices in India: Bridging past and future, markets and development

This article provides a review of the academic and popular literature on new media practices in India, focusing on the country’s youth's use of mobile phones and the Internet, as well as new media prosumption. One particular feature of the Indian case is the confluence of commercial exploitation of new ...

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‘A living lab’: Corporate delivery of ICTs in rural India

Information and Communication technologies (ICTs) are increasingly seen as essential tools in development projects that can create new sources of income, make governments more transparent and accessible, improve education and health care, and overcome social exclusion and discrimination. To harness these potentials, multinational hi-tech corporations are forming public–private partnerships with ...

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The fortune at the Bottom of the Pyramid

Low-income markets present a prodigious opportunity for the world's wealthiest companies - to seek their fortunes and bring prosperity to the aspiring poor. ...

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Reinventing strategies for emerging markets: beyond the transnational model

With established markets becoming saturated, multinational corporations (MNCs) have turned increasingly to emerging markets (EMs) in the developing world. Such EM strategies have been targeted almost exclusively at the wealthy elite at the top of the economic pyramid. Recently, however, a number of MNCs have launched new initiatives that explore ...

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The market for wireless electricity: The case of India

A wireless revolution has transformed telecoms in India and in other emerging markets. The electricity market, on the other hand, remains underdeveloped. We define Wireless Electricity as renewable energy produced within a few hundred meters of the point of consumption. A wireless revolution in electricity would solve the problem of ...

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Solar electrification and social change in Kenya

Market-based rural electrification with solar energy is increasingly common in developing countries. This article revolves around three main claims about solar electrification in Kenya’s unsubsidized market: (1) The benefits of solar electrification are captured primarily by the rural middle class. (2) Solar electricity plays a modest role in supporting economically ...

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Lessons for successful BOP marketing from Caracas’ slums

Purpose - The purpose of this paper is to explain how leading firms can profitably serve poor consumers by targeting the urban bottom of the pyramid (BOP) with appropriate marketing practices. Design/methodology/approach - The approach taken is an integrative analysis of existing literature and new cases. Findings - The urban ...

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The problematics of the “Bottom of the Pyramid” approach to international development: The case of micro-entrepreneurs’ use of mobile phones in Morocco

Over the past decade a significant philosophical shift has taken place in the development world, emphasizing privatization, market participation, microfinance, and other approaches to poverty alleviation over top-down, statist interventions. At the same time, some of the claims and results associated with such programs have met with pointed critiques. This ...

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Selling to the Poor

Searching for new customers eager to buy your products? Forget Tokyo’s schoolgirls and Milan’s fashionistas. Instead, try the world’s 4 billion poor people, the largest untapped consumer market on Earth. To reach them, CEOs must shed old concepts of marketing, distribution, and research. Getting it right can both generate big ...

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Innovation blowback: Disruptive management practices from Asia

Western companies think too narrowly about the emerging world. If they aren’t careful, they may end up as defenders, not attackers. ...

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Good business makes poor customers good customers

Would your company like to add thousands, if not millions, of new customers? Jamie Anderson, Martin Kupp and Sandra Vandermerwe believe that serving the world’s poorest people in developing markets can be both profitable and socially rewarding — if it’s done right. As it turns out, what’s good for business ...

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Serving the world’s poor: innovation at the base of the economic pyramid

The market for products and services delivered to the poor people of the world is huge. Consumers at the very bottom of the economic pyramid – those with per capita incomes of less than $1,500 – number more than 4 billion. For more than a billion people – roughly one-sixth ...

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