Munro, Ingrid
Jamii Bora
B w4e AFm |
How the epicentre of banking for the poor moved from
Jamii Bora was the world's first major microcredit to be
launched with digital -mobile record-keeping. The arrival in Nairobi of the
greatest banking model for ending slums in 1999 was pivotal to what became
the decade that kenya became a world leader in mobile bankng (mpesa) and
then the leading lab for
MobileWomen4Empowerment and Ihub youth open tech wizards networking. Ingrid
was and is a lifetime friend of Muhammad Yunus. She was the one who did most
to ensure that financial regulators in
Curiouser and Curiouser- From 1996 Mobile Village phones gamechanged
the world's partnering possibilities for the poorest out of bangladesh with
grameen phone thanks in large part to the quadir family who also run the
legatum entrepreneur school at MIT. The tech wizard behind
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model innovations of jamii bora:
first to capture all record keeping on mobile
first model targeting youth in slums as well as mothers- made one-off offers to whole gangs of youth- eg thise who looted kibera market - lets rebuild it and you can be the security guards
almost all employees were former members during first 10 years of growth
innovated ladder model- prove you can earn something and then you can take loan doubling your earnings
developed some mass work schemes including buildiing ecovillage kaputei
identified early that due to large families (with someone at health risk) health insurance needed for all members families- bought massive contract with missionary hospitals -ultimatley one of the most efficient health insurances plans ever purchased
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