And the award for Clients at the Centre Prize US$150,000 goes to… Jumo

This year’s Symposium on Financial Inclusion was held in Accra, Ghana and as usual the deliberations were as exciting and insightful as  many had anticipated. The event hosted by the Mastercard Foundation, happened at the Kempinski Accra hotel brought together key players in the world of financial inclusion numbering over 400 from over 50 countries.

As is always the case with similar Mastercard events, the interactive sessions are always very exciting. Sometimes it is the surveys or the debates that get almost everyone following keenly and eager to be part of the conversation.

During each of the symposia, Mastercard Foundation awards the Client at the Centre Prize  worth $150,000 to recognise the organisation that is most focused on client centricity to enable poor people in developing countries to access formal financial products and services.

The finalists for this cherished prize present their business models to the audience of over 400 industry professionals who are then tasked to vote for the winner. Each organisation has only a few minutes to present its case and win hearts and a fat cheque.

The inaugural award in 2015 went to the Swedish mobile microinsurance firm BIMA. Last year, the Prize was presented to the South African international remittance company, Hello Paisa. Every year more than 100 organisations send in application and you can imagine the Herculean task of cutting that number down to only three .

This year the three finalists were:
● Jumo, a large-scale, low-cost financial services marketplace that uses behavioral data from mobile usage to create financial identities for micro, small, and medium-sized enterprises;
● ftCash, one of India’s fastest growing financial technology ventures which aims to empower micro-merchants and small businesses with the power of digital payments and loans; and
● Destacame, a free online platform that empowers users by giving them control over their data to build their financial capabilities and to access financial products.

The aim of the prize is always to highlight the best practices that appeal to client satisfaction. In other words for one to win, the audience ought to be convinced that the client’s needs are not only met but are at the centre of the design of the financial service being offered.

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After all was  said and done, Jumo, the South African-based company as a large-scale, low-cost financial services marketplace, were the lucky winners of that evening in Accra. After being awarded the Prize, Buhle Goslar, Director of Customer Intelligence at Jumo said “For anybody in a customer function, this is probably the most exciting prize to win because of the people who are voting for it. They really know about customer centricity; for them to vote for us is a great acknowledgement of the work that we’ve been doing.”

The Mastercard Foundation believes that banks and other financial service providers in developing countries should focus more on the needs and expectations of people living in poverty. Putting poor clients at the centre of the design of new financial products and services helps bring them into the formal banking system, improving their livelihoods and their ability to plan for the future.

“The Symposium on Financial Inclusion (SoFI) has focused on client centricity for the past five years,” said Ann Miles, Director of Financial Inclusion at the Mastercard Foundation. “We are thrilled to award this year’s prize to Jumo for its exemplary work of putting clients at the centre of its business model. As we reflect on the past five years of SoFI, it is more important now than ever before to recognize companies such as Jumo and encourage them to continue providing access to financial products for those who need it most.”

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The other two Prize finalists were ftcash, one of India’s fastest-growing financial technology ventures which aims to empower micro-merchants and small businesses with the power of digital payments and loans, and Destacame, a free online platform in Latin America that empowers users by giving them control over their data to build their financial capabilities and to access financial products.

About the Mastercard Foundation

The Mastercard Foundation works with visionary organizations to provide greater access to education, skills training and financial services for people living in poverty, primarily in Africa. As one of the largest private foundations, its work is guided by its mission to advance learning and promote financial inclusion to create an inclusive and equitable world. Based in Toronto, its independence was established by Mastercard when the Foundation was created in 2006.

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Will clients remain at the centre of financial inclusion going forward

At the beginning of November, the humid but beautiful city of Accra in Ghana played host to what has grown to become one of most significant conversations around financial inclusion. The MasterCard Foundation Symposium on Financial Inclusion brought together financial inclusion professionals from across the globe to keep pace with developments and share ideas and experiences around the core theme of “Clients at the Centre.”

The Accra event was the fifth annual dialogue that sought to tickle and direct the next generation of financial services providers not keep the client at the centre of all the processes and designs that cover financial inclusion as a whole. Over the years consensus has been built to the fact that understanding the client is key to achieving meaningful financial inclusion especially for the poor.

For the duration of the conference, delegates reflected on the journey that financial service providers and clients go through  and how it influences how they relate with each other. Addressing the issue of whether it remains a win win situation for both the service providers and the clients and whether this can remain the case with all the changes in technology advancements and increased collaboration among the industry actors remained a key talking point.

The over 400 participants from more than 50 countries that gathered at the Kempinski Hotel in Accra spent quite some time mulling over whether indeed the client can keep a hold on to their central position at a time when some of the service providers are growing into worrying monoliths with so much power, data in their hands.

The rise of mobile platforms as major playground for service providers has not only proved to be a worrying to traditional players like banks but also a growing concern to clients who give up so much personal information that big players can use for their own ends. Client centricity can be compromised where big tech players choose to use all the data they mine from clients to meet their own selfish objectives especially where there is no consent from the clients or it is hidden is small print terms and conditions that poor people may not be made aware of.

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This calls for stricter regulatory frameworks and client sensitisation in order to protect the clients’ position from being abused. Much as there is clear evidence of growing financial inclusion and the benefits that have improved the lives of so many, it is important to keep an eye on emerging challenges lest the poor lose out from irresponsible service providers.

More so, the symposium provided a good opportunity for delegates to understand the intricacies of the financial inclusion journeys happening particularly in West Africa. Great insights into how in Nigeria Jumia has grown into a key e-commerce platform and how cognizant they are of the threat from bigger players like Alibaba that are keen to also take a bite at the African e-commerce pie.

For the banks the clarion call remains that they have to partner with fintechs if they are to survive the onslaught of digital platforms eating into their business model. Some have even gone ahead and created their own digital platforms so as to keep apace.

About the Mastercard Foundation
The Mastercard Foundation works with visionary organizations to provide greater access to education, skills training and financial services for people living in poverty, primarily in Africa. As one of the largest private foundations, its work is guided by its mission to advance learning and promote financial inclusion to create an inclusive and equitable world. Based in Toronto, its independence was established by Mastercard when the Foundation was created in 2006. For more information, please visit http://www.mastercardfdn.org.

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AIF takes the food conversation to a nutritious level

When it comes to food I am a bit conservative eater, I rarely surprise my taste buds. What my mum taught me as nice food is what I still consider to be nice food. Even the greens that I disliked back then now make it to the table thanks to worries to about my health. Like me, many of us think much about what we eat. For us food food cures hunger and that is good enough. But is it?

When you think about food beyond being a cure for hunger, you start to think of what is inside the food we consume and what that means. In other words the conversation moves from quantity to quality. From a full plate to a plate full of nutrients. This is a very crucial discussion to engage in especially when it hits you that around here those who are vulnerable when it comes to food security are often dealt a band hand as far as nutrition is concerned.

This therefore leaves us with a double dilemma of a hungry and also malnourished population. Realising the gravity of this concern, the Government of Rwanda joined hands with Africa Improved Foods Ltd (AIF) with the objective of improving the nutritional status of its population and the East African region in general. AIF is a consortium of four international partners; Royal DSM, Dutch development bank-FMO, CDC Group plc (the UK government’s Development Finance Institution) and IFC.

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Agriculture Minister Dr Mukeshimana cuts the ribbon to officially launch the AIF factory as AIF CEO Amar Ali (L) and DSM CEO Feike Sijbesma (R) look on. /Faustin Niyigena (The NewTimes)

AIF set up a factory in Rwanda in 2016 to produce nutritious foods for vulnerable groups while at  the same time boosting local farmers whose produce is used at the factory. The factory located in the Kigali Special Economic Zone uses local raw materials like maize and soya from local and regional suppliers with a current output of about 35,000 tonnes. the plan is to eventually produce 45,000 tonnes annually.

“The concept is that the staple food (maize and soya) should come from Rwanda and that we manufacture it here and sell it via the Government, World Food Programme and other partners.” – Fike Sijbesma, chief executive of Royal DSM.

 

During the launch of the factory the Minister for Agriculture and Animal Resources, Dr Geraldine Mukeshimana, pointed out the importance of sensitising the farmers on the significance of this factory and how they stand to benefit from its presence. This will certainly go a long way in getting more people to know the value of nutrition as far as food is concerned, the value of manufacturing and how it boosts the economy of Rwanda in terms of jobs, skills development  and revenue

Malnutrition is indeed a huge concern in Rwanda particularly among children under five. Some studies have put chronic malnutrition at 38% and resulting in stunting among children. AIF Rwanda’s response to this is to produce highly nutritious porridge flour with added milk, vitamins and minerals targeting pregnant and breast-feeding mothers, older infants and young children.

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Prosper Ndayiragije, country director of AIF – Rwanda. / Faustin Niyigena

AIF produces a commercial product “Nootri” as well as Shisha Kibondo and Super cereal Plus. The products are for both the mother and the child in order to ensure a holistic solution to the nutrition challenges faced by infants. Since exclusive breastfeeding is recommended, the breastfeeding mothers must be in good health as well.

AIF also works with the World Food Programme to produce quality relief food products that are distributed in places like Somalia and South Sudan. The commercial products are exported to Uganda and the Democratic Republic of Congo among other regional markets.

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Workers at AIF factory /Faustin Niyigena 

When all is said and done, this is an initiative that already works with close to 10,000 local farmers, employs 230 people directly while at the same time elevating the food talk to a nutritious level for children and mothers in Rwanda and East Africa in general. If that does not taste nice then I don’t know what does.

“Our progress has been made possible by the favourable business environment in Rwanda and strong support from the government,” – AIF Rwanda CEO Amar Ali.

 

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Wakanow brings travel solutions to East Africa

In the past few years something has been happening around Africa. There is a wave of change in perception and lifestyle. Africans are embracing travel and tourism a lot more. According to the United Nations Conference on Trade and Development (UNCTAD), 2 of the 3 visitors to Sub Saharan African Countries are now other Africans.

Contrary to common perception, it’s Africans that are increasingly driving tourism demand in Africa. Many tourism boards are waking up to this reality and luring Africans to visit other African countries and their own countries. What is not in doubt is that travelling remains a cumbersome endeavour when one thinks about the nightmares caused by visa processes and the damage it sometimes does to one’s pockets.

Enter www.wakanow.co.ke

Wakanow, Africa’s leading online travel portal recently opened shop in Nairobi, Kenya as its base for the wider East African travel market. These guys have obviously noted the travel potential in this region and want to be part of this amazing story going forward. Aware of the challenges faced by travellers, they came with goodies in form of travel solutions to ease the life of those suffering from wanderlust.

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The Co-ordinator of the East African Tourism Platform, Carmen Nibigira speaking during the launch of Wakanow Kenya

 

Solutions like “Pay Small Small” an installment payment system that allows one to pay a down payment for a trip then make the rest of the payments in installments. The service has been a huge hit in other markets and the East African market will be pleased to have it here as well. Many of us give up on our travel dreams soon after looking at the cost but with PSS the burden is spread out and therefore eased. It also makes planning smoother especially for the big holidays like at the end of the year. One can start making payments early and that way your pocket doesn’t suffer a major shock when that time comes around.

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The Wakanow Team

Wakanow has also been crucial as far as driving travel traffic from Nigeria and Ghana to East Africa and Kenya in particular. As a region, a good number of the visitors we target are from West Africa. Many West Africans are starting to learn that East Africa is a dream destination after spending years only thinking of Dubai and South Africa among others.

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Mr. Obinna Ekezie the Founder and Group Managing Director of Wakanow Ltd

Intra-Africa travel is now the in-thing. The fact that Nigeria alone has a population of over 180 million should be music to the ears of those at the different East African tourism boards. They also have an office in Dubai and another in UK to tap into the high numbers of African Diaspora always willing to visit the motherland. Wakanow will certainly serve as a strong link between East and West. Working together with tour operators, airlines and tourism boards will only lead to growth in numbers and comfort in the travel industry.

Karibuni to East Africa, Wakanow!

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AIMS to build Rwanda’s STEM capacity

The African Institute for Mathematical Sciences is a Pan African Network of Centres of Excellence that offers quality postgraduate education, research innovation and public engagement for the advancement of STEM in Africa’s transformation journey.

Given Rwanda’s commitment to developing a knowledge-based economy, setting up an AIMS centre was an inevitable reward. Rwanda has invested a lot in this direction by laying fibre optics across the width of the country to enable the citizens to utilise state of the art technology in their quest to achieve a knowledge-based economy.

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Still on education, the government’s commitment has seen the country attracting some of the world’s best institutions like US based Carnegie Mellon University among others who all want to be a part of the country’s success story. Rwanda epitomises a continent on the move and anyone with some momentum would love to set base in Rwanda.

AIMS is therefore another forward looking institution that is determined to work together with Rwanda in ensuring that Africa as a continent is not left behind as far as the specialty of Mathematical Sciences is concerned.

On April 3, 2017 the African Institute for Mathematical Sciences (AIMS) launched its Rwandan campus that will also serve as its headquarters, at a colourful ceremony held at the Kigali Convention Centre. The event was graced by the president of Rwanda, H.E Paul Kagame.

A year ago the Rwandan Government signed a partnership agreement with the African Institute for Mathematical Sciences – Next Einstein Initiative (AIMS-NEI) which culminated in the setting up of the centre here in Kigali. The aim here is to build Science, Technology, Engineering and Mathematics (STEM) expertise in Rwanda in particular and Africa in general.

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By having an AIMS centre, it means that Rwanda can now have access to some of the world’s best scientists including Nobel Prize winners and other distinguished academics who regularly visit to teach at AIMS Rwanda. The centre is also home to some of Africa’s brightest young brains who are ready to take on the mantle of transforming this continent by providing solutions to the problems that we face as Africans.

“We have to move ‘beyond potential’ and create a workforce that will lead this real transformation for Africa. It will only be done through innovative scientific training, technical advances and breakthrough discoveries. And there is not going to be a short cut,” Kagame said.

Young Africans trained in African will be best placed to remain cognizant of the challenges the continent faces and the urgency required in finding solutions to them. This is why the decision by AIMS to set up in Rwanda is timely, this being a nation rising from a tragedy and embarking on a steady path to development with so many lessons to offer and share with the rest of the continent and the world in general.

“To achieve this, we are collaborating to develop an ecosystem of pan-African institutions with a transformative agenda. As part of the ecosystem of transformation, the Next Einstein Forum continues to catalyse action, to translate these scientific advances into human benefit, and to showcase the progress that Africa is making in science,” Kagame said.

 

At the launch, it was also revealed that the second edition of the Next Einstein Forum Global Gathering will take place in Kigali in March 2018 with focus on establishing a clear roadmap on how Africa intends to transform by leveraging science, technology and innovation.

Neil Turok, the founder of the institution said, in its operations, AIMS would strive to attract top talent and skills into the country and beyond in order to achieve its desired objectives.

The institution has so far established partnerships with 15 African universities and graduated over 1200 students from 42 countries since its inception in 2003.

Rwanda joins five other African countries where AIMS is operational, including South Africa, Senegal, Ghana, Cameroon and Tanzania. The first AIMS centre of excellence was opened in Cape Town, South Africa, founded by Professor Neil Turok in 2003.

 

 

 

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Rwanda making the Quantum Leap to find the next Einstein

A wise man once said, no country can be more developed than its education system. Truer words have never been said given that the fruits of a country’s education system soon than later take charge of a country’s development process. Their levels of competence will ultimately determine how far the country goes in its quest for development.

Many African countries have been lagging behind on this journey for a myriad of reasons and for a long time. Things are however starting to look up with the continent no longer viewed through hopeless lenses as was the case before. The continent is now seen to be on the rise thanks in part to technological changes that have made it possible for us to take a leap where we were trotting.

It is important to note that these developments do not happen at the same pace after all, we long agreed that Africa is not a country. Some countries will move at faster speeds than others. Some have more distance to cover than others on this journey to development.

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Rwanda is one of those that have a long distance to cover but has been moving at a terrific speed that it would be sheer blindness for one not to take note of the incredible progress that the country has made since the devastating 1994 Genocide against the Tutsi which left all institutions nearly non existent.

A year ago the Government of Rwanda signed a partnership agreement with the African Institute for Mathematical Sciences – Next Einstein Initiative (AIMS-NEI) clearing the way for the launch of AIMS Rwanda, a pan-African centre of Excellence in Mathematical Science. The establishment of an AIMS Centre in Rwanda is aimed at supporting to build Science, Technology, Engineering and Mathematics (STEM) expertise in Rwanda in particular and Africa in general.

Rwanda now has access to world class scientists including Nobel Prize winners and other distinguished academics who regularly visit to teach at AIMS Rwanda. The centre is home to some of Africa’s brightest young brains who are ready to flourish as independent thinkers and problem solvers. 

At the invitation of President Paul Kagame, AIMS will join the science and innovation ecosystem that the government is building with the goal of being a continental hub in technology. AIMS sees Rwanda as a conducive environment for its initiatives and we look forward to collaborating and supporting the local and regional research community,” – Thierry Zomahoun, President and CEO of AIMS-NEI

 Last week the centre held a Quantum Leap Africa Scientific Planning Workshop  here in Kigali. It was a discussion on that attracted renowned international scientists who engaged in the “Discussion on Big Data Science in Africa” as part of efforts to launch Quantum Leap Africa, an information science & quantum technology core created by AIMS. 

Quantum Leap Africa, will be the first research centre in quantum sciences on the African continent. This will go a long way is enabling Rwanda to realise its vision of becoming a knowledge based economy. Some of the topics discussed during the workshop included, “What can Data Science offer in Africa?”

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Big Data Analytics is a field of great relevance to economic growth. Quantum Leap Africa seeks to assemble expertise in big data and analytics, focused on improving the lives of urban and rural citizens. Big Data is not just a buzzword but a revolution that is currently reshaping society and business.

“Education is key to our development and it is the only way. There’s NO Shortcut,” – Bubacarr Bah, German Research Chair of Mathematics

The African Institute for Mathematical Sciences is a Pan African Network of Centres of Excellence that offers quality postgraduate education, research innovation and public engagement for the advancement of STEM in Africa’s transformation journey. AIMS Rwanda is the 6th Centre of Excellence in Africa.

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Towards a new era of digital education in Rwanda

We are living in a world where the way teaching and learning happens has to sync with the latest technological advancements if education is to remain relevant. Proper education is now considered a strategic sector with every society doing its best to harness future opportunities.

Rwanda being very cognizant of these new realities has invested a lot of time and money in ICT infrastructure and more so as to anchor its education system on a solid foundation. Scores of Rwandan teachers and students can now access technology through the Education Ministry’s SMART Classroom programme. The Ministry has made significant strides towards digital transformation in education over 10 years ago with Microsoft through the implementation of its Partners in Learning, Education Transformation programme.

The strategy here is use to digital technology to change the way teaching and learning happening in a bid to improve on the quality of education as per the expectations of the current times. These interventions are already bearing some visible fruits although more still needs to be done.

Currently, over 130 000 Positivo devices have been manufactured, with 60 000 electronic devices allocated to Rwanda Education Board for distribution to different schools around the country.

Through the Partners in Learning programme in partnership with Microsoft, the Ministry also successfully upgraded 80 000 of these electronic devices to Windows 10 and installed and activated MS Office Professional Plus on them. These were shipped to schools in January.

The programme seeks to improve learners’ tech skills and eventually spur innovation among the learners. Through the programme, teachers and students have access to Windows 10, which delivers the ideal computing environment for education, providing users with more personalised user experiences. Windows 10 coupled with Office applications and services enables students and teachers to browse the web safely and even experience the fun side of learning with Xbox games.

In Partnership with Microsoft, the Microsoft Innovative Educator (MIE) Trainer Academy is now available in Rwanda and is designed for teacher trainers and those who are responsible for training educators on the integration of technology in the classroom. The first group of 21 MIE Master Trainers have been trained, over 60 000 teachers have received certification and 3.2 million students have access to free Office 365 which will not only help in staying organized and getting their work done today, but also develop valuable skills that will benefit them when they enter the work force. With Office 365 ProPlus they can access applications like Word, PowerPoint, OneNote as well as 1 TB of Cloud storage.

Looking ahead

Plans are underway to develop a School Broadband connectivity plan using modern affordable access technologies like TV White Spaces, to enable access to other Microsoft Education and Open Education resources, creating opportunities for students to focus on STEM (Science, Technology, Engineering and Mathematics) and enable a paradigm shift in education in Rwanda.

Going forward, it is important to concede that digital transformation opens up so many opportunities in the education sector including aspects like data mining and analytics that  can be use to monitor the progress of learners.  Such data once well analysed forms the basis for solutions to students’ educational challenges. Another important area that digital transformation opens up is things like artificial intelligence that are now a huge buzz in the tech world.

There is no doubt that digital transformation and tech solutions accruing from Rwanda’s relations hip with Microsoft will lead to a clear improvement in skills development and an overhaul of the education sector.

Microsoft’s partnerships are not only in Rwanda or only in education as the article below shows.

AFRICAN LEADERS GATHER TO DISCUSS DIGITAL TRANSFORMATION IN THE PUBLIC SECTOR

Featured image: Salwa Smaouvi- Middle East & Africa Government Business  Leader, Microsoft Makes her presentation at the Digital Transformation Workshop in Nairobi

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The need for a fundamental shift on Youth Employment Training strategies

Day two at the Young Africa Works Summit held at the Kigali Marriott Hotel was kicked off with the release of a rather insightful research report titled, INVISIBLE LIVES: UNDERSTANDING YOUTH LIVELIHOODS IN GHANA AND UGANDA.

The report basically looked into the lives of young people in the two countries with the aim of better understanding the dynamics they face and how this new knowledge can be harnessed in addressed the challenges they face in finding employment or creating employment for others.

According to the report, international development programs are guilty of favouring skills training for the formal sector careers over training that can be applied to multiple jobs in the informal sector. This approach ignores the millions of youth on the African continent who are engaged in mixed livelihoods. In other words  the current approaches to skills training are not holistic enough as a solution.

The Invisible Lives research used a diaries method methodology to document the working lives of 246 youth aged between 18 – 24 from Ghana and Uganda over a period of one year. Areas covered were on behaviour, income, economic activities and time management. The report offers deep insight into what young people today have to do so as to achieve sustainable livelihoods and although two countries were sampled, it is considered that there emerging trends can be recognised across the continent.

In brief it was established that young people do diversify  their livelihoods by taking on a mix of informal sector employment, self employment, and agriculture-related activities to sustain their livelihood. Support networks are also crucial for young people as they serve to address issues of business guidance, financial support, skills development and general tips on where to find employment.

Both formal and informal wage employment are not easy to come by in Africa. However informal employment accounts for over 80% of the available opportunities for Uganda people. Although agricultural production is central to young people’s livelihoods  the incomes remain meagre. Even here the young people diversify their agricultural activities. Even with all this, young people remain largely invisible to both development organizations and their own governments which makes it difficult for them to access support services, training or finance capital.

‘Invisible Youth’—those who are mostly invisible to development organisations and their own governments— can become engaged as drivers of agricultural transformation.

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Day two had more in store like the session on engaging the private sector in a bid to understand the barriers to the creation of employment  and self-employment opportunities. There was a deep need to understand what companies are doing to harness youth potential in driving the transformation of the agricultural sector.

Thereafter a plenary session with panelists delved into the issue of unlocking agrifinance for youth. Issues around risk, access and the perception that youths have no collateral, savings, or the credit scores implying that  they will most likely default on their loans.

As is now the trend, the debate sessions were the most exciting with the proposition being that  off-farm activities will yield more opportunities for the youth. This was followed by the breakout sessions on climate change, breaking down gender barriers and use of mechanization or ICT to transform agriculture.

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“Agriculture doesn’t have to be sexy…it has to make sense” – Prof Oniang’o at #YAW2017

Professor Ruth Oniang’o, the Board Chair of Sasakawa Africa Association and Sasakawa Africa Fund for Extension Education spoke passionately about understanding the gender obstacles women continue to endure in this line of work as the summit drew to a satisfying close.

About The MasterCard Foundation

The MasterCard Foundation works with visionary organizations to provide greater access to education, skill straining, and financial services for people living in poverty , primarily in Africa. As one of the largest private foundations, its work is guided by its mission to advance learning and promote financial inclusion to create an inclusive and equitable world.

About The MasterCard  Foundation’s Youth Livelihoods Program

The Youth Livelihoods Program seeks to improve the capacity of young men and women to transition to jobs or create businesses through a holistic approach which combines market-relevant skills training, mentorship, and appropriate financial services. Through our partnerships, our program is supporting innovative models that help young people transition out of poverty  and into stable livelihoods. Since 2010, the foundation has committed $402 million to 37 multi-year projects across 19 countries in Africa.. More than 1.8 million young people have been reached through the Youth Livelihoods Program.

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The green revolution is for the youth to deliver

A few days ago, something major happened in Kigali Rwanda. More than 300 global and African thought leaders and youth agripreneurs (yes Agripreneurs!) came together for The MasterCard Foundation’s second Young Africa Works Summit. Another 50 young but enthusiastic Africans from different parts of the continent also joined this congregation to generate relevant ideas and solutions.

This being the continent with the youngest population and yet faced with employment challenges, the summit sought to look into the issues that need to ironed out in order to ensure that  young people not only take charge of feeding the continent but also do so in a meaningful and profitable way.

“Africa is home to the world’s youngest population with enormous potential to improve agricultural productivity and make the sector a viable source of employment for youth across the continent,” says Ann Miles, Director of Financial Inclusion and Youth Livelihoods, The MasterCard Foundation. Highlighting the contributions being made by young people to turn around what is largely a sector of subsistence farming to a competitive, modern and sustainable one was one of the key goals of the summit.

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A youth delegate talks to CNBC about her agriprenuership journey

The continent not only has a challenge to feed a bulging population, it also urgently needs to address the fact that 11 million young people enter the job market annually. A market that is often not keen at embracing them either for sheer lack of opportunities or the absence of skills required.  Young people are therefore finding themselves in the middle of efforts to modernise agriculture through innovative technologies and production systems.

These interventions can no longer wait now that the threat of climate change is now a reality. The  youth are the ones heading for a painful future if nothing is done to change the situation for better. Stress on water resources and food security is no longer a myth but a worrying reality that compromises the actual security of communities.

It is projected that by 2020, the agricultural sector will create eight million jobs by 2020 even though it is already y far the largest source of employment in Africa. The sector offers tremendous prospects for creating sustainable livelihoods for young people and speeding up their prosperity as well as that of their societies.

“Agricultural transformation is a clarion call for us, the youth of Africa,” says Pilirani Khoza, Founder of Bunda Female Students Organisation at Lilongwe University of Agriculture and Natural Resources.

“For decades, agriculture has continued to operate using the same static methods and technologies adopted by our forefathers. We must adopt the new technologies that are available to us. Youth are technological doers and thinkers, they are energetic and hungry for knowledge and they should be actively involved in transforming Africa.”

Jean Bosco  Nzeyimana moved the audience with his inspiring story on how he created a solution to the dependence on firewood which places a lot of pressure on the environment as trees are seen only as fuel for cooking. He started a company called Habona Ltd. that collects organic waste and turns into briquettes, biogas and fertilizer. Talk of putting waste to use in more than one way. His efforts also seek to replace inorganic fertilizers with organic fertilizer that keeps the soil fertile in a more natural way.

Jean Bosco hopes that young people can embrace agriculture instead of always dreaming of white collar jobs.

I hope to make it a platform for building a community of like-minded people, so we can eventually create a network where we can share ideas and exchange best practices.

During the 2016 Rwanda National Dialogue Day, an old man stood and solemnly affirmed that “No farmer, no food, no future”. I believe that young people must have the same mentality and take the lead in securing our future through farming.

 

From the summit it was obvious that the key message on day one was that young Africans have to wake up to the reality that the transformation of the agricultural sector is not their burden but their responsibility and opportunity. It is a revolution only them can deliver.

About The MasterCard Foundation

The MasterCard Foundation works with visionary organizations to provide greater access to education, skill straining, and financial services for people living in poverty , primarily in Africa. As one of the largest private foundations, its work is guided by its mission to advance learning and promote financial inclusion to create an inclusive and equitable world.

About The MasterCard  Foundation’s Youth Livelihoods Program

The Youth Livelihoods Program seeks to improve the capacity of young men and women to transition to jobs or create businesses through a holistic approach which combines market-relevant skills training, mentorship, and appropriate financial services. Through our partnerships, our program is supporting innovative models that help young people transition out of poverty  and into stable livelihoods. Since 2010, the foundation has committed $402 million to 37 multi-year projects across 19 countries in Africa.. More than 1.8 million young people have been reached through the Youth Livelihoods Program.

 

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At Lake Kivu Serena having fun is not a suggestion but the plan

Every country has its secrets but Rwanda doesn’t seem to have many. The only secret I know of about Rwanda are the street names that even locals have failed to learn since you only see things like KN 3 Av and not the usual Moi avenue or Luwum street. Nothing much else is a secret.

Gorillas cannot have family secrets since at some point in the year we are told which gorilla gave birth to which baby and on which date complete with all the names of the gorillas involved? The recently introduced lions also have names. Imagine being a wild animal but not being able to live anonymously. That must suck, right?

It is also not a secret that if you are trying to Google the “Rwanda + Fun” then you are better off just heading straight to the lake resort town of Rubavu. While in Rubavu you may wonder what to do with your time and money. Simple, the folks at Lake Kivu Serena Resort have had to answer this question so many times that their answers are no longer mere suggestions but plans as well.

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Even in Rubavu the Maasai can be seen doing their thing

Lake Kivu Serena is one place where your ‘what-to-do’ questions have detailed answers that are part and parcel of the hotel’s mission. While here, time will be your only enemy. You will wish it can be frozen for you to enjoy some more. You will want the sun to set in slow motion making the golden hour more like a golden evening.

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At your service

After an amazing breakfast at Kiyaga restaurant you can embark on a bike excursion around the town on the serene tree lined roads as the lake breeze makes its way to where you are. You can make stopovers at the two border posts with the Democratic Republic of Congo and marvel at the cross-border activity that happens here. Other places to stop at may include the market or the stadium.

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Biking on these roads is not exercise but therapy

You can also do the same tour in a car if biking is not your thing. Make it a point to visit the nearby hot springs and let the locals give you a foot massage with the warm water and some herbs to give you back that spring in your step. If you remembered to carry some raw eggs at the hot springs you can be sure to have them as a quick snack. Nature at its finest!

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A visit to the nearby  hot spring comes with being treated like royalty

In case you have had a heavy lunch because your eyes got greedy as you selected what to have on your plate then a game of beach football or volleyball could be enough to ease up the digestion. If the game turns into a disturbing reminder of how unfit you are then maybe you needed it or what you actually need is a relaxing massage before a boat ride.

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Play in the sand until you can’t see the ball

There is this cool dude called Eric at Lake Kivu Serena who is the go to guy for anything to do with water. No he is not a plumber. He is the guy with a call boat in case you want a boat ride on the Kivu or if you want to do some kayaking. Eric’s boat even has a music system which you are more likely to enjoy when he switches off the boat engine to explain something about the lake.

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Captain Eric on his glamourous boat

But who really gets on a boat for the music? Sit back in the leather seats and enjoy the breeze, the stunning views of Rwandan hills or the surreal view of Mt Nyiragongo in DRC as it goes about ignoring the ‘No Smoking in Public’ calls. This active volcano will smoke away without a bother in the world.

Mt Nyirangongo in DRC can be seen clearly while in Rubavu Photo Allan Brian Ssenyonga.JPG

No smoking in public! Says who? 

If mountain climbing is your thing then you can add it to your itinerary. There are also other options like gorilla trekking and embarking on the Congo-Nile rail. Whatever it is you have on your mind, Lake Kivu Serena delivers in being the place to go to or set off from. The beauty of it all is that they will do all the planning for you.

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Make the water your play space

You know I didn’t even have to write all this…I could have just summarised it all into the conversation below.
Me: I am looking for fun things to do in Rubavu

Lake Kivu Serena: Say no more!

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