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Five ways Nigeria can realize mobile technology's potential for the unbanked

Leora Klapper's picture

Although it’s Africa's largest economy, Nigeria is missing out on the region’s most exciting financial innovation: mobile money.
Twenty-one percent of adults in Sub-Saharan Africa have a mobile money account, nearly double the share from 2014, according to the latest Global Findex report.
By contrast, Nigeria lags behind: just 6% of adults have a mobile money account, a number virtually unchanged from 2014.

Deux stratégies simples et efficaces pour les demandeurs d’emploi

Eliana Carranza's picture
Cette page en : English

Entreprise complexe par essence, la recherche d’emploi peut se révéler particulièrement difficile et éprouvante pour les jeunes et ceux qui entrent sur le marché du travail pour la première fois. En Afrique subsaharienne, les taux de chômage des jeunes sont deux fois supérieurs à ceux des adultes, pour les hommes comme pour les femmes (OIT, 2013a). Dans cette région, 11 millions de jeunes vont se présenter sur le marché du travail chaque année au cours des dix prochaines années. Cette dynamique pourrait réduire considérablement la pauvreté si les jeunes parvenaient à accéder à des emplois productifs générateurs de croissance économique (Chakravarty et al., 2017). D’où l’intérêt des deux stratégies simples et efficaces que nous présentons dans ce billet pour aider les demandeurs d’emploi.

Financial inclusion in Ethiopia: 10 takeaways from the latest Findex

Mengistu Bessir's picture
In Ethiopia, women account for a disproportionate share of the unbanked, and the gap is widening. Photo: Binyam Teshome/World Bank

The World Bank Group (WBG), with private and public sector partners, set an ambitious target to achieve Universal Financial Access (UFA) by 2020. The UFA goal envisions that, by 2020, adults globally will be able to have access to a transaction account or electronic instrument to store money, send and receive payments. The WBG has committed to enabling one billion people to gain access to a transaction account through targeted interventions. Ethiopia is one of the 25 priority countries for UFA initiative.

A Smart Economic Investment: Ending Child Marriage of Girls

Christina Malmberg Calvo's picture

Despite much progress over the last two decades, girls still have lower levels of educational attainment on average than boys at the secondary school level in Uganda. In part this is because many girls are married or have children before the age of 18—often before they are physically and emotionally ready to become wives and mothers. Educating girls, ending child marriage, and preventing early childbearing is essential for girls to have agency, as future wives and mothers, and for Uganda to reach its full development potential.

A better way to train small business owners: using psychology to teach personal initiative

David McKenzie's picture
Also available in: Français

Billions of US dollars have been spent—by governments, microfinance organizations, and NGOs—on training the owners of small businesses. Traditional programs typically aim to teach practices such as record-keeping, stock control, and simple marketing. But while these do seem to improve the performance of small businesses, most result in little real change, making the impact hard to detect.

Optimiser la formation des petits entrepreneurs, ou comment la psychologie peut développer le sens de l’initiative

David McKenzie's picture
Also available in: English

Gouvernements, institutions de microfinance, ONG ont dépensé des milliards de dollars pour former les petits entrepreneurs. Les programmes de formation classiques visent en général à améliorer les pratiques professionnelles des chefs d’entreprise, en privilégiant la tenue des registres, le contrôle des stocks ou la commercialisation des produits. Mais si le recours plus systématique à ces outils semble améliorer la performance des entreprises (a), la plupart des tentatives de formation des entrepreneurs n’induisent qu’une évolution marginale des pratiques (a), ce qui empêche d’apprécier leur impact véritable sur les résultats commerciaux. Lorsque nous avons été sollicités, fin 2012, pour mettre au point une évaluation de l’impact d’un programme de formation déployé au Togo dans le cadre d’un prêt de la Banque mondiale, nous avons donc suggéré de comparer l’efficacité du programme envisagé (le Business Edge (a) de la Société financière internationale [IFC]) à une approche alternative.

More than a short-term escape: Sustainable empowerment solutions for girls and women in Zambia

Sarah Haddock's picture
In rural Zambia, women who live in poverty struggle every day to make ends meet and feed their families. In the words of one woman, “to tell the truth we are poor. Any money I make from piece work goes to buying relish, washing soap and bathing soap, I hardly have anything left for anything else...My husband doesn’t work apart from doing a little here and there in our farm, also (my) boy goes to school, so there are school fees to think of.”

The work of women in Nigeria

Sara Johansson de Silva's picture

In Nigeria, Africa’s largest and most populous country, more women are engaging in work than ever before. By 2011, more than half (57%) of women 15-64 years old were in some form of employment. The increase in women working has been driven by women with the least amount of schooling finding work –these are the women who are more likely to be out of work than those who have had access to more schooling.

Africa’s big gender gap in agriculture #AfricaBigIdeas

Michael O’Sullivan's picture
Also available in: Français

Women are less productive farmers than men in Sub-Saharan Africa. A new evidence-based policy report from the World Bank and the ONE Campaign, Leveling the Field: Improving Opportunities for Women Farmers in Africa, shows just how large these gender gaps are. In Ethiopia, for example, women produce 23% less per hectare than men. While this finding might not be a “big” counter-intuitive idea (or a particularly new one), it’s a costly reality that has big implications for women and their children, households, and national economies.

The policy prescription for Africa’s gender gap has seemed straightforward: help women access the same amounts of productive resources (including farm inputs) as men and they will achieve similar farm yields. Numerous flagship reports and academic papers have made this very argument.