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What it the future of Savings Groups in Mozambique?

By: Katia Agostinho(FSDMoç Market Development Analyst) According to the National survey on financial inclusion – Finscope 2014, the number of people with access to formal banking services has increased from 11.8% to 19.7% and the number of people served by other formal institutions (such as non-bank microfinance institutions And insurance companies) increased from 3.6% to 9.8%. The largest increase was among people using “informal financial services”, having almost doubled from 14.7% to 26.7%. Is within the informal financial services category that savings groups fit. So, among all available alternatives of financial services, family,

Why Fintech is an important subject for financial inclusion?

By: Katia Agostinho(FSDMoç Market Development Analyst) Now-a-days more and more people are looking for convenience and flexibility when using financial services, especially the low income population which also look for accessible services in terms of price and physical access. Globally, technology is playing an important role in making that happen, by supporting financial service providers with innovation and expansion options. The use of technology in the financial sector is globally known as Fintech. In Mozambique, were only 40% of the adult population is financial included but more than two thirds (68.8%) of the
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Why is it important for Parents to Teach Children to save at a Younger Age?

By: Belmiro Miguel Nhamithambo (FSDMoç Knowledge, Monitoring and Learning Analyst) ‘’You have the chance to start learning about money . We didn’t have the same chance as you, to learn at an early age in order to minimize committing wrong decisions that can affect your life in the future’’ Mozambique Stock Exchange (BVM) CEO opening speech during 2017 Global Money Week Mozambique main ceremony. Mozambique celebrated Global Money Week for the second time in a row this year, an event that was held jointly in more than 120 countries. This is an event

Policy Memo: Advocating for appropriate financial solutions for saving groups to cope with emergencies

By Esselina Macome Policy Advisor, FSDMoç (Financial Sector Deepening Moçambique) Professor, Eduardo Mondlane University Executive Summary Mozambique has made a significant progress toward developing and strengthening the financial sector through the implementation of a comprehensive Financial Sector reform program. However, the majority of the population and businesses still do not have access to financial services – especially in rural areas where the majority of the population resides (BM, 2015). The main objective of the Mozambique Financial Sector Development Strategy 2013 – 2022 is to improve the lives of all Mozambicans. More precisely to
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Portfólio Institucional/FSDMoç at a Glance Brochure

Link para download abaixo: Download link below: FSD_BROCHURA_INST__FINAL02
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Stock exchange’s “Segundo Mercado”

Co-authors: Belmiro Miguel Nhamithambo (FSDMoç Knowledge, Monitoring and Learning Analyst) and Dércio de Celestino Pedro (FSDMoç Investment Analyst). Why SMEs Are Not Listing on Mozambique Stock Exchange?  Why are the 95 out of the 100 SME’s on the KPMG 100 Biggest Companies list, which are actually eligible, are still not listed in the Stock Exchange’s primary market? Mozambique Stock Exchange (BVM) is the entity responsible for the management of the centralized primary and secondary market for debt and equity titles and is operating for 17 years.  Since its inception only four companies were
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Women key roles as farmers and caregivers: What do we know?

By Katia Agostinho, FSDMoç Market Analyst In the following blog, Katia Agostinho, looks back at International Women’s Day 2016 and provides us with a call to reflect on a deep-seated issue that confronts women smallholder farmers in Mozambique, a significant proportion of the labour force in the country. Women key roles as farmers and caregivers: What do we know? “When you invest in women and girls, you invest in everyone” Melinda Gates posted on Facebook.   Did you know that agriculture in Mozambique employs 62% of the women labour force which represents the
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1O things To Know about Access to Finance by Women

By Katia Agostinho, FSDMoç Market Analyst In the following blog, the Financial Sector Deepening Mozambique (FSDMoç), looks at the Mozambican Women’s Day 2016 and provides us with key factors about Access to Finance by Women, based on the results of the Financial Survey, FinScope consumer 2009 and 2014, and the Small and Medium Enterprises Micro (MSMEs) in 2012. 1O things To Know about Access to Finance by Women Fact: the gap is increasing; women formal inclusion is increasing at a lower rate than men (55% vs 74% increase) from 2009 to 2014. On
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Can mobile technology drive financial inclusion in rural Mozambique?

By Anabela Mabota, FSDMoç Knowledge, Monitoring and Learning (KM&L) Manager While mobile phones are used by millions of people in Mozambique, the development of digital financial services to improve access to finance in rural areas is still very topical. A recent workshop organised by FSDMoç and CGAP to disseminate the findings of a survey on the financial needs of rural populations in Mozambique,Tanzania and Pakistan highlighted that rural households are using a variety of financial services from which digital payments platforms could be built on. But key elements of the digital ecosystem need to
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Can we digitize in-kind consumption in rural Mozambique? It’s not easy!!!

By Benedito Murambire Jr, FSDMoç Investiment Manager Understanding agricultural income poses a challenge for policymakers and financial service providers, but new data can help overcome this challenge. Going digital, we are told, is the solution to everything these days. Mobile money is already transforming the lives of people living in Mozambique’s cities and suburbs. But is managing money only a challenge for families living in urban areas? No. Managing money is still one of the biggest challenges for smallholder farmers in Mozambique. For a long time, key financial service providers have misunderstood how