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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

FSDMOÇ AND THE CAPITAL MARKET

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)?

TERMS OF REFERENCE REGIONAL COORDINATOR RURAL BANKING PROJECT

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

TERMS OF REFERENCE DEDICATED MICRO-INSURANCE ADVISOR (DIA)

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

Mobile money a vehicle to financial inclusion in Mozambique

Mobile money a vehicle to financial inclusion in Mozambique   Access to financial services in Mozambique is still limited, exacerbated by existing low literacy levels, especially in rural areas. Twenty percent (20%) of the country’s adult population have access to banking and financial services made up of 40% of people living in urban areas and 10% of people living in rural areas (FINSCOPE Study, 2014)1. The government of Mozambique has sought to address financial exclusion through the National Financial Inclusion Strategy (2016-2022)2, which aims to increase the accessibility of financial services to the

Financial Inclusion Week 2018

The Financial Sector Deepening Mozambique – FSDMoç, a program funded by the United Kingdom Department for International Development (DFID) and the Swedish Department for International Development (SIDA) in partnership with the Financial Inclusion Center (CFI), will promote the Financial Inclusion Week (FIW), which will run from October 29 to November 2, 2018. This is a week of global conversations about the most important steps for advancing financial inclusion. The Week of Financial Inclusion aims to build a momentum around how to address the most significant obstacles to financial inclusion through a week of

TERMS OF REFERENCE: PME+ ACADEMY EVALUATION

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

TERMS OF REFERENCE: DEDICATED INSURANCE ADVISOR (DIA)

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. FSDMoç has partnered with the Mozambique Insurance Supervisory Institute (ISSM) to promote the development of a comprehensive and sustainable micro insurance ecosystem in Mozambique. The content of this partnership is in line with discussions on the challenges surrounding the implementation of micro insurance in Mozambique during the Workshop on Micro insurance,

A day as an M-Pesa promoter

By: Almeira Paruque, FSDMoç Analyst A new day begins in Mozambique and different groups of young people gather around markets, mall entrances, crowded squares and streets around the country to perform the duties of an M-Pesa promoter. They must convince the next customer to open an M-Pesa account and, through it, start using new or additional financial services. The 16th of August of 2018 would represent a normal workday for the M-Pesa promoters assigned to Xiquelene market, Aeroporto A neighborhood and Adelina market (all in Maputo city), if not for the visit of a