Author: Denise Alves

Terms of Reference (ToRs) Consulting Services for Conducting a Study on the Landscape of Inclusive Insurance in Mozambique

1. BACKGROUND The Financial Sector Deepening-Mozambique (FSDMoç) is funded by the Foreign, Commonwealth & Development Office (FCDO) and the Swedish International Development Cooperation Agency (SIDA). FSDMoç’s three core objectives are to (i) improve access to financial services for Small and Medium Enterprises (SMEs), (ii) improve access to finance for smallholder farmers and households, and (iii) create an enabling environment for financial inclusion by supporting knowledge sharing and capacity building. In partnership with the Insurance Supervisory Institute of Mozambique (ISSM), the Mozambican insurers’ association (AMS) and the Munich Re Foundation, FSDMoç will support the

Financial Inclusion Week 2019

The Financial Sector Deepening Mozambique (FSDMoç) in partnership with the Center for Financial Inclusion (CFI) – ACCION, promoted for the 3rd consecutive year the Financial Inclusion Week (FIW), that was officially from October 21 to 25 but specifically for Mozambique we extended the celebrations until October 31st so it will end with the celebrations of the International Savings Day. The FIW is a week reserved for global conversations about the most important steps for advancing financial inclusion. The objective of the week was to build a momentum around how to address the most


By Vania Matola – FSDMoç Investment Analyst In partnership with Epsilon Energia Solar and SolarWorks! FSDMoç is promoting access to energy to low-income households through Pay-as-you-go (PAYGO) technology. The PAYGO technology combines a solar home system (SHS) with the mobile money platform. The solar companies are offering a 3, 6, 12 and 18 months payment plans to rural communities in Maputo, Gaza, Inhambane, Sofala and Manica provinces allowing them to gain access to solar energy and the benefits of increased safety, added study time, extended business hours. Solar household kits are not only


By Almeira Paruque – FSDMoç Investment Analyst  This article aims to highlight the role played by women in the dynamization of the agency banking model, implemented by BancABC and Letshego, with the support of FSDMoç, whose objective is to expand the network of banks’ agents, through the development of products and marketing strategies for the rural areas, as well as training of agents and financial education of clients. To promote the participation and reduction of the obstacles faced by women, these projects have sought to boost their participation, which currently represent about 20%

Can FSDMoç support the housing finance sector in Mozambique?

Can FSDMoç support the housing finance sector in Mozambique? Some highlights from the Housing Finance Panel during the FSD Network Conference, December 2018 By: Benedito Murambire, Jr. FSDMoç Investment Manager. Housing has a significant impact on any economy, which is not the subject of this paper. Obviously, in Mozambique, like in any other country, there are strong linkages between housing and economy. Additionally, housing has strong linkages with financial sector development.  This paper intends to highlight the efforts from FSDMoç in addressing the housing finance challenges. It will highlight “what we have learned”, “what we


By: Almeira Paruque, FSDMoç Analyst. A dynamic capital market is very important for the economic growth of countries and it has been the highlight of discussions around the globe, described as the link in facilitating the flow of funding from savers to investors. The most known markets internationally include the capital markets of London and New York, which are very electrifying trading places and it is not unusual to hear people referring to stocks or other securities that have risen or fallen overnight. However, do people really understand what the capital market is

Financial advisory: Opportunities and risks for the Bottom of the Pyramid

By Hélder Buvana, FSDMoç Investment Manager and Anne-Marie Chidzero, FSDMoç Advisor   It may sound secondary to argue for the need of financial advisory services for people living in countries with extreme levels of poverty. It can also sound unimportant even when we have the same argument for those who are in developing countries, but still face many challenges to live a decent life, with minimum access to food and health services. Therefore, should we spend time debating the role of a financial advisor for people at the bottom of the pyramid (BoP)?


The Financial Sector Deepening Mozambique (FSDMoç), a program funded by the UK Department for International Development (DFID) and the Swedish Agency for International Development Cooperation (SIDA), supports the development of the financial sector with a focus on expanding the levels financial inclusion. FSDMoç entered into a partnership with a BANK to support its rural expansion strategy. The partnership has been formalized through the signing of an Non-Disclosure Agreement (NDA) and a Memorandum of Understanding (MOU) between FSDMoç and the BANK which main objective is to cooperate and seek innovative solutions for offering adequate


FSDMoç has partnered with the Insurance Supervisory Institute of Mozambique, ISSM (Instituto de Supervisão de Seguros de Moçambique), to promote the development of a broad and sustainable micro-insurance ecosystem in Mozambique. The content of this partnership is in line with the discussions on the challenges around the implementation of micro-insurance in Mozambique held during the Workshop on Micro-Insurance (co-organised by ISSM, AMS – Associação Moçambicana de Seguradoras, and the World Bank), on the 27th July 2017. The mentioned partnership has been officialised through the signing of an NDA (Non-Disclosure Agreement) and MOU (Memorandum


BACKGROUND The Financial Sector Deepening Mozambique – FSDMoç a program funded by the United Kingdom Department for International Development (DFID) and the Swedish Agency for International Development Cooperation (SIDA), supports the development of the financial sector with a focus on financial inclusion. The PME + Academy was conceived and implemented as part of an integrated strategy that a local bank developed and began implementing in September 2015, aiming to strengthen the bank’s position within the SME segment as a true value-added partner and to ensure medium to long-term sustainable market growth in this
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