Author: Denise Alves


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

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

How FSDMoç is addressing financial sector regulation challenges: The Regulatory Sandbox Story!

By: Kátia Agostinho, FSDMoç Analyst Digital tools are making access to financial products and services possible around the world, and Mozambique should be able to learn from other countries that are more advanced in this journey and provide the same opportunities for the Mozambicans, while at the same time takes advantage from the great ideas being introduced by Mozambicans. This country is 2515km coast long and has a low population density with 30.1hab/km2[1] on a 799,380km2 area. Providing financial services via the traditional “brick and mortar” branches is proven to be inefficient and exclusionist

Light (Life) after Sunset: Enabled by Digital Financial Services

By: Belmiro Nhamithambo, FSDMoç Knowledge, Monitoring and Learning Analyst and Vânia Matola, FSDMoç Analyst Access to electricity can transform lives and well-being of men and women living in rural areas. Mozambique needs to invest in renewable energies to support the expansion of the electricity grid.  While the grid only covers 29% of the country’s 28.8 million population, and expansion of the grid is slow and constrained by large infrastructure required, investments are needed in affordable and accessible alternative clean energy sources. Mr. It can be used by men with sexual problems but is
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