Think and act for entrepreneurship in Africa

Perspectives

A selection of committed articles, open for debate!

Investing in the exceptional African creativity

Africa intrigues and inspires the world. Some recent examples prove it: the Gucci Summer 2019 collection; the Dior cruise 2019 collection, inspired by African fashion with some fabrics printed in…

Africa intrigues and inspires the world. Some recent examples prove it: the Gucci Summer 2019 collection; the Dior cruise 2019 collection, inspired by African fashion with some fabrics printed in Côte d’Ivoire; the Milan fashion week 2021 opened by the Fab Five, five designers from Africa. And so on.

No Comments on Investing in the exceptional African creativity

Why the creation of the African Medicines Agency is an urgent and compelling requirement for Africa?

With 17% of the world’s population, Africa (55 countries, 1.3 billion people) bears a disproportionate burden of disease: it accounts for a quarter of the world’s disease burden, 60% of…

With 17% of the world’s population, Africa (55 countries, 1.3 billion people) bears a disproportionate burden of disease: it accounts for a quarter of the world’s disease burden, 60% of people living with HIV/AIDS, and more than 90% of the world’s annual malaria cases, but only 6% of the world’s health care spending and less than 1% of the world’s pharmaceutical market.

No Comments on Why the creation of the African Medicines Agency is an urgent and compelling requirement for Africa?

Supporting private firms in Africa: Why and how?

Beyond the declarations of intent regularly renewed at international summits, we must finally scale up to massively finance SMEs in Africa, to spur private sector development and thus meet the…

Beyond the declarations of intent regularly renewed at international summits, we must finally scale up to massively finance SMEs in Africa, to spur private sector development and thus meet the challenge of better development of the continent.

No Comments on Supporting private firms in Africa: Why and how?

The case for informal bonds

This article argues for the implementation of an alternative financing mechanism for informal small and very small businesses in Africa that would allow them to benefit from other formal financing…

This article argues for the implementation of an alternative financing mechanism for informal small and very small businesses in Africa that would allow them to benefit from other formal financing opportunities under better conditions than those offered to them today.

 

A review of current funding mechanisms

African economies today are still predominantly financed by the banking sector, which carries the disadvantage of elevating the banker to the status of a sort of multi-sector specialist who groups entrepreneurs in various sectors such as the agri-food, energy, consulting, and even new technology sectors, into the same single portfolio.

Private equity investors focus almost exclusively on large deals in order to ensure the monitoring of their investments (although fortunately some of them have oriented their investment strategies towards small and medium-sized businesses).

Microfinance institutions, whose success is due to a financing model adapted to small-size loans and small companies, but unfortunately carries some significant drawbacks, including the application of high interest rates.

We could also mention meso-finance, which is quite new and essentially functions as an intermediary between traditional banking and micro-bank financing. Nano-credits, which are generally below 100,000 FCFA, are offered by some Fintechs but are still quite rare.

Finally, an informal and parallel financing system has been created which is a sort of “street financing”
system that applies predatory interest rates and abusive loan terms and requires, among other things, the borrower’s debit card as a guarantee.

This overview of existing financing mechanisms makes one thing clear: the informal sector, which according to the International Labor Organization represents more than 85% of jobs on the African continent, has been completely left behind. It is therefore necessary to develop an alternative financing mechanism to cater to this vital segment of our economy.

The overview of existing financing mechanisms makes one thing clear: the informal sector, which represents more than 85% of jobs on the African continent, has been completely left behind.

 

The informal sector as a life raft

The informal economy constitutes a veritable life raft for the vast majority of Africans. In the case of Europe, this life raft is characterized by each state’s social welfare model, and each country has defined a minimum wage that allows every worker to provide for the basic needs of his or her family.

In Africa, this life raft is characterized by one’s informal activities. The public administration employee who earns 65,000 CFA francs per month (100 €) and who has 6 children to support, will need to develop an additional activity in the informal sector in order to make ends meet and feed his or her family.

Financing our informal sector, therefore, amounts to financing our social welfare network. The informal sector simply cannot remain the forgotten or poorly equipped part of our economy that it is today.

Today, the African financial market should represent hope, an option, through the inclusion of informal entrepreneurship. Each player in our economic network should be able to access an opportunity through this financial market.

This is why we are calling for the implementation of a new product, which we could refer to as “informal bonds”.

Each player in our economic network should be able to access an opportunity through this financial market.

 

What are informal bonds?

According to the International Monetary Fund (2017), the informal sector represents between 20% (South Africa) and 65% (Benin, Nigeria) of the GDP of African countries. Contrary to popular belief, informal does not necessarily mean poorly organized.  In fact, some informal businesses such as planting or motorbike taxi driving, for example, organize as Cooperatives or Groups.

The idea of the informal bond is simply to allow business groups that have historically demonstrated good organization and governance to seek financing for their members through the financial market by issuing what would be called an “informal bond”, a bond dedicated to financing informal business activities.

A group’s leadership would select, thanks to their knowledge of the sector and of their members, the beneficiaries as well as the loan amounts granted to them.

Assuming that the group has previously demonstrated moral probity, it would be possible for all or part of the bond to be guaranteed by a bank or a state guarantee fund.

For security and transparency reasons, loans and repayments would be made directly via “mobile money” transfer between the custodian bank of the operation and the informal entrepreneurs.

 

This concept could encourage the progressive structuring and formalization of informal actors, who would have specific guidelines to follow in order to qualify for this financing mechanism (group membership, record keeping, opening of a mobile money account, etc.) For their part, the States would benefit from an increase in tax revenues.

No Comments on The case for informal bonds

Improving financial inclusion: adopting a pragmatic approach

According to the World Bank’s definition, financial inclusion is the ability for individuals and businesses typically excluded from traditional financial services to enjoy affordable access to financial products and services…

According to the World Bank’s definition, financial inclusion is the ability for individuals and businesses typically excluded from traditional financial services to enjoy affordable access to financial products and services that meet their needs.

Every year, numerous conferences are held by the Bretton Woods Institutions to explore strategies on how to improve financial inclusion and develop financial literacy in Africa. Two years ago, the Central Bank of West African States (BCEAO) initiated a program to promote financial education and even set up a central department dedicated to financial inclusion issues. In addition, several countries such as Cameroon, Senegal, and Togo are working on their own inclusive finance strategies.

All of this suggests that there is a real lack of financial inclusion in most Sub-Saharan African countries, largely due to a lack of financial education. This could be resolved by encouraging African individuals and businesses to save through the formal channels of our respective local economies.

 

What we have learned from recent financial scandals

Many of us today would argue that it is difficult to get ahold of savings from African households. How then are we to understand the success of financiers who have obtained large sums of money through Ponsi schemes in recent financial scandals such as the MonHévéa case in Côte d’Ivoire or the MIDA phenomenon in Cameroon (as well as of other scandals that are probably yet to be exposed)?

These are organizations that guarantee 300%-400% profits in a number of months and that have continued to grow over the years in plain view of the authorities (sometimes even thanks to ads broadcast on national channels.)

There are at least two things we can learn from these financial scams.

First of all, in light of the large number of victims and the monetary amounts involved, we can see that savings do exist in African households. These savings consist principally of small sums (also called household savings) of all segments of the population.

It is also clear that these scammers possess persuasion techniques that enable them to obtain the savings that are so highly coveted by our numerous international development programs and that continue to escape local and legal financial institutions today.

 

Leveraging traditional administration

Financial education is clearly necessary for our African leaders and officials, who in some countries have been involved in the bad practices mentioned above, often due to a lack of knowledge on these subjects. To educate also means to raise awareness, and this could be done by explaining that savings rates of 20% or 30% do not exist (to say less of rates of 200%, unless we’re projecting savings for our great, great grandchildren!). We can only hope, then, that well-thought-out financial education strategies aim to educate officials and politicians as well as their constituents…

Financial education should not only be done at the civic level (sub-prefects, mayors, etc.), but also at the level of traditional administrators (e.g., traditional chiefs, neighborhood chiefs) who are the most effective agents for raising awareness in their communities.

African nation states could go even further by creating postal bank agencies within certain large chiefdoms in order to exploit close relationships of trust and respect that persist today between villagers and their traditional authorities

 

Integrating pragmatic solutions

The goal is not to point the finger at these voluntary initiatives designed to improve the social conditions of our populations, but rather to emphasize the need to incorporate the socio-economic and cultural fundamentals that guide/dictate our societies.

Grand plans are not necessarily effective agents of change. The approaches on this matter should be as pragmatic as possible. While a National Financial Inclusion Program sets a 5-, 10-, or 15-year goal for improvement, a pragmatic approach must set a goal for the near future, while working to immediately improve financial literacy, so that:

  • When the next harmful initiative emerges, it will not have anywhere near the same impact.
  • Civil society, especially the informal sector, can let go of the inferiority complex they nurture vis-a-vis the banks, for various reasons: low income, language barrier (for the illiterate…)

How can we understand that these same people had no trouble giving their savings over to illegal practices. The main reason was these scam artists’ promises to multiply their money.

African banks should communicate more with all these small savers, in a language that is relevant to them, promising them growth on their savings based on an interest rate.

This communication could also be led by the States, through the technological means of communication that 90% of Africans are now using. Mobile technology can be used to offer financial services, as is the case today (mobile banking), and as a means of increasing education and awareness on banking and financial concepts. This education could be transmitted not only through written text messages, for those who can read, but also through voice messages spoken in the local dialect, thus enabling illiterate or less-educated people to access this knowledge.

 

Financial education and, above all, greater financial inclusion, could only strengthen the development capacities and profitability of local entrepreneurship, which overwhelmingly operates in the informal sector, and whose members face numerous financial and organizational management challenges.

No Comments on Improving financial inclusion: adopting a pragmatic approach

Support Education in Africa: Towards a New Partnership Approach

Faced with the many challenges of education in Africa, a boiling entrepreneurial dynamic is emerging and provides innovative solutions. Impact investors, characterized by their intention to generate a positive social…

Faced with the many challenges of education in Africa, a boiling entrepreneurial dynamic is emerging and provides innovative solutions. Impact investors, characterized by their intention to generate a positive social and/or environmental impact, can give decisive support to this dynamic. But it seems necessary to develop specific tools and a real partnership approach with the other stakeholders in the sector in order to bring out a new generation of private schools and education businesses that are responsible and fully oriented towards the continent’s development challenges.

 

From Education to Employment: the numerous challenges of the African continent

Despite tremendous progress since the early 2000s, African education systems are in a critical situation and are struggling to ensure successful learning and employment opportunities for young Africans. Primary school enrolment in Africa is gradually reaching generalization thanks to the massive effort made by African governments and their partners under the framework of Millennium then Sustainable Development Goals. Yet 34 million children are still not in primary school[1], particularly in fragile countries or in conflict situations[2]. In addition, many national and international evaluations have shown that the majority of African students do not acquire basic knowledge and skills after completing primary school education[3]. Schools face many human, material and pedagogical resource deficits and the large size of cohorts of pupils in many public schools produce more frustration than effective learning[4].

While a minority of the population accesses higher education and vocational training, these training courses are often considered too theoretical and disconnected from the needs of local or international employers[5]. While youth unemployment rates in Africa are not higher than in other regions of the world, rates of informal employment and working poverty remain critical and constitute an increasing risk of social and political destabilization[6].

 

The Private Sector is Growing in the African education systems

The private education sector, in all its diversity, is gradually emerging as an important player in addressing these challenges. It is now estimated that about one in five students in Africa is enrolled in a private school[7]. But this figure covers a very diverse sector, made up of religious schools, for-profit institutions, informal structures or schools directly managed by philanthropic organizations. We observe however a common dynamic across African countries: private operators are gaining ground and are increasing the range of training available in most educational cycles.

 This gradual expansion of the private education sector represents both an opportunity and a considerable challenge for all actors in the education chain. States and their partners must strengthen their capacity to regulate these private operators and ensure that no educational institution, whether public or private, can break the needed trust between the school, the learner and society.

A new wave of African entrepreneurs is emerging, bringing promising solutions to educational challenges across the continent. From e-learning solutions to SMS-based course platforms and teacher coaching sessions, entrepreneurs have plenty of ideas to experiment with new pedagogical models and to overcome the material constraints that have long hampered the entire education system. With the boom of promising solutions to build the African school of tomorrow, the role of research and impact evaluation becomes key to select the most relevant and effective models for enhancing learning and inclusion for all. The role of education technology education is also becoming an important element of debate for all stakeholders in the education system (governments, entrepreneurs, teachers, parents and learners).

A new wave of African entrepreneurs is emerging, bringing promising solutions to educational challenges across the continent.

But ed-tech leaders are not alone in demonstrating innovation and dynamism, quite the contrary. Hundreds of creative entrepreneurs overcome complex logistical and institutional challenges to provide schools with textbooks, furniture and equipment that are key inputs for the ecosystem as can be digital tablets. In Niger, for example, Editions Afrique Lecture[8] is the first company to provide high school students with preparatory textbooks for their baccalaureate. For these entrepreneurs, the strategic relationship with governments and other stakeholders in the education system is at least as important as the use of technology to provide services that are truly useful to local schools and students.

 

What role for Impact Investors?

Impact investors must support this entrepreneurial dynamism with appropriate return expectations depending on the maturity and size of the projects. Current research shows that most investors only support schools and universities that are already very well structured, and in many cases designed to provide educational services only to the wealthiest segments of the population. To a lesser extent, these investors have also supported innovative and more affordable educational projects, but these projects had to grow at a disproportionate speed to meet the investors’ profitability objectives. The well-known example of Bridge Academies[9] in East Africa highlighted how difficult it was for a network of low-cost schools to scale up without deteriorating the quality of teaching… and the company’s relations with public authorities. The needs for impact investing initiatives in the education sector is pressing, especially in French-speaking and Portuguese-speaking Africa. Impact funds must find ways to support less advanced projects, for example in the technical and vocational education cycles where public actors are less involved. These investors must therefore develop financial and non-financial instruments (coaching, technical assistance) suited to this specific social sector, with a particular focus on the inclusion of young women and vulnerable populations.

The needs for impact investing initiatives in the education sector is pressing, especially in French-speaking and Portuguese-speaking Africa.

To support the emergence of accessible and quality educational opportunities, impact investors will need to be innovative in building new partnerships with other stakeholders in the sector. Partnerships with foundations and other philanthropic donors will allow impact investors to reach young people from disadvantaged backgrounds. Scholarship or student loan schemes funded by these foundations could broaden access to quality private institutions whose social impact commitments will be guaranteed by the presence of an ethical investors as minority shareholder. In addition, partnerships between impact investment teams and philanthropic actors could be designed to support start-ups and other early-stage projects. The pioneering example of the Education Impact Fund in Côte d’Ivoire[10], resulting from a partnership between the Jacobs Foundation and the impact fund Comoé Capital, is a good illustration. This programme has benefited 6 promising start-ups and young companies in the Ivorian education sector, including a hospitality training centre located in the popular district of Yopougon[11] and the start-up Etudesk[12], recently selected as one of the 10 most prominent Ed-Tech companies on the continent[13]. The success of this investment programme relies on the targeted use of risk capital provided by a philanthropic donor and on a particularly committed investment team working alongside entrepreneurs. But there are many other strategies to explore. It would be relevant to partner with research institutions to measure and evaluate the long-term impacts of the education models supported by the investors. Thus, the development of blended finance instruments[14], mixing investments and grant funding support will be key to providing solutions adapted to the emergence of responsible and committed private education businesses.

 

To conclude

To meet the challenges of quality, access and relevance of education in Africa, impact investors will have to design and mobilize innovative strategies and methods, tailored to the needs of a crisis-stricken social sector and a fast-paced entrepreneurial ecosystem. The active support of bilateral and multilateral development organizations will ensure the credibility and sustainability of these new models of mixed funding and innovative partnerships. Through their governance and practices, impact investors should pursue the dialogue with public authorities to ensure that they are well integrated into local educational ecosystems. Associated with expert philanthropic players, these new initiatives will have to support the best models of schools and ancillary activities combining economic sustainability and impact performance. It is only with this attitude of innovation, cooperation and partnership that impact investors will be able to make a relevant contribution to the challenges of education in Africa.

 

References

[1] See the data collected by UNESCO (2018):  http://uis.unesco.org/sites/default/files/documents/fs48-one-five-children-adolescents-youth-out-school-2018-en.pdf

[2] See Page 10 (Fig. 6) of the above-mentioned: most of the countries severely affected by the non-enrolment of children in primary school are located in the Sahel or Central Africa.

[3] The World Bank’s World Development Report 2018 provides an in-depth analysis of this learning crisis: http://www.worldbank.org/en/publication/wdr2018

In French-speaking Africa, the performance of students during primary school is evaluated by PASEC about every 3-5 years. http://www.pasec.confemen.org/

[4] Many reports have highlighted these deficits in school materials and equipment, as well as the size of classes that can reach an average of 50 children in Burkina Faso or Mali and up to 90 in Malawi and the Central African Republic. http://uis.unesco.org/sites/default/files/school-resources-and-learning-environment-in-africa-2016-en/school-resources-and-learning-environment-in-africa-2016-en.pdf

[5] On the issue of the relevance of education and the lack of adequacy between education and employment, see World Bank’s report (2014) : http://www.worldbank.org/en/programs/africa-regional-studies/publication/youth-employment-in-sub-saharan-africa. This phenomenon is also sometimes reflected in a higher unemployment rate for graduate students than for non-graduates in several African countries. Because their training is poorly adapted to the labour market, graduates have difficulty finding employment in skilled positions.

[6] The average youth unemployment rate in Sub-Saharan Africa is 6%, the world average 5%. But this figure hides far more precarious realities, with self-employment rates reaching 70% in the Democratic Republic of Congo or Ghana. The rate of working poverty could reach 80%, according to the ILO. https://www.un.org/africarenewal/magazine/may-2013/africa%E2%80%99s-youth-%E2%80%9Cticking-time-bomb%E2%80%9D-or-opportunity

[7] This figure is estimated by the team of the Report “Business of Education in Africa” (2017)  https://edafricareport.caeruscapital.co/thebusinessofeducationinafrica.pdf

[8] http://afriquelecture.com/index.html

[9] See notably RFI’s article (2018): http://www.rfi.fr/afrique/20180301-ecole-privees-bas-prix-bridge-international-academies-lettre-fermeture-ong

[10] See the website of the partnership: http://www.edimpactfund.com/ but also the announcement of the first investments in 2018: http://www.ietp.com/fr/content/investissement-editions-vallesse . The complete portfolio of the six investments will be published soon.

[11] https://www.facebook.com/roijuvenal/

[12] https://www.etudesk.com/

[13] See the startups selected at the famous Dubai Global Education Conference (22-24 March 2019) https://www.forbes.com/sites/mfonobongnsehe/2019/02/25/meet-the-10-african-startups-competing-for-the-next-billion-edtech-prize-in-dubai/#46d350f03e1b

[14] Also called blended finance. The term refers to the use of catalytic capital from public or philanthropic sources to increase private sector investment in developing countries and sustainable development

https://www.convergence.finance/blended-finance

By :
No Comments on Support Education in Africa: Towards a New Partnership Approach

Matthieu Lougarre: « More than synthetic vanillin, it is the legislation on product labelling that is problematic »

INTERVIEW. Matthieu Lougarre, Director of Agri Resources Madagascar, believes in the future of vanilla and its region of origin, SAVA. Provided that the quality of Madagascan vanilla is recognized and…

INTERVIEW. Matthieu Lougarre, Director of Agri Resources Madagascar, believes in the future of vanilla and its region of origin, SAVA. Provided that the quality of Madagascan vanilla is recognized and protected.

No Comments on Matthieu Lougarre: « More than synthetic vanillin, it is the legislation on product labelling that is problematic »

Type on the field below and hit Enter/Return to search