Daily Archives: December 17, 2015

Utilisation des services financiers mobiles : une enquête du CGAP établit des données de référence au Rwanda et au Ghana

WASHINGTON, 16 décembre 2015 /PRNewswire/ — Les données d’une nouvelle enquête du CGAP sur l’inclusion financière donnent un premier aperçu de l’utilisation des services financiers par téléphone mobile au Ghana et au Rwanda, où 17 % des adultes disposent de comptes bancaires mobiles en activité.

Consultative Group to Assist the Poor is a think tank dedicated to improving the lives of the poor by advancing financial inclusion.

Logo – http://photos.prnewswire.com/prnh/20151216/296527LOGO

Réalisée auprès d’un échantillon d’adultes représentatif à l’échelle nationale, l’enquête apporte un éclairage intéressant sur le nombre d’utilisateurs de services financiers mobiles et leurs motivations. S’il est vrai que le Kenya et la Tanzanie ont été présentés dans le passé comme des exemples de réussite dans ce domaine, l’enquête démontre que cette nouvelle technologie peut être utilisée efficacement dans d’autres pays africains tels que le Rwanda et le Ghana.

Les résultats de l’enquête montrent que les services financiers par téléphone mobile aident beaucoup les habitants des zones rurales et les personnes vivant avec moins de 2,50 dollars par jour à se connecter aux services financiers officiels. Au Rwanda, par exemple, l’enquête révèle que 61 % des utilisateurs actifs de services financiers mobiles vivent en milieu rural et que 72 % disposent de moins de 2,50 dollars par jour pour vivre. Dans cet environnement, l’utilisation de services financiers mobiles constitue pour certains adultes une première expérience d’inclusion financière.

« Le marché est mûr pour les produits qui permettent aux usagers d’exécuter des transactions financières plus facilement, plus rapidement et à moindres frais », déclare Claudia McKay, spécialiste senior du secteur financier au CGAP. « Il s’agit maintenant de concevoir des produits en harmonie avec la vie quotidienne des gens, notamment les pauvres, et présentant un intérêt commercial indéniable pour les prestataires de services ».

Principales données concernant le Rwanda :

  • 23 % des adultes disposent d’un compte bancaire par téléphonie mobile ;
  • 17 % des adultes disposent d’un compte bancaire mobile en activité ;
  • 61 % des détenteurs de comptes bancaires mobiles vivent en milieu rural et 72 % disposent de moins de 2,50 dollars par jour pour vivre ;
  • 25 % des utilisateurs actifs de services financiers mobiles utilisent leur compte pour payer leurs factures ;
  • 71 % des adultes versent des primes d’assurance, mais seulement 0,1 % d’entre eux le font à l’aide de services financiers mobiles.

Principales données concernant le Ghana :

  • 20 % des adultes disposent d’un compte bancaire par téléphonie mobile ;
  • 17 % des adultes disposent d’un compte bancaire mobile en activité ;
  • les Ghanéens sont prêts à utiliser les services mobiles : 92 % ont la pièce d’identité nécessaire pour ouvrir un compte, 95 % savent compter, 91 % possèdent un téléphone mobile et 74 % ont envoyé ou reçu des SMS ;
  • 59 % des adultes versent des primes d’assurance, mais seulement 0,1 % d’entre eux le font à l’aide de services financiers mobiles ;

L’enquête démontre que la numérisation des paiements en espèces existants — dans le cas, par exemple, des primes d’assurance, de l’épargne et des salaires — offre aux services financiers mobiles la possibilité de se développer sur ces marchés.

>> Consulter les données de l’enquête
http://www.cgap.org/sites/default/files/publications/multimedia/cgap/index.html

Le CGAP
Le Groupe consultatif d’assistance aux pauvres (CGAP) est un partenariat mondial composé de 34 organisations de premier plan qui s’efforcent de promouvoir l’inclusion financière. Le CGAP élabore des solutions innovantes au moyen de recherches empiriques et d’une collaboration active avec les prestataires de services financiers, les responsables de l’action publique et les bailleurs de fonds, afin de mettre en œuvre des démarches à grande échelle. Hébergé par la Banque mondiale, le CGAP aborde de façon pragmatique la question de l’expansion responsable du marché et combine cette démarche avec une plateforme de mobilisation reposant sur des données factuelles dans le but d’accroître l’accès aux services financiers dont les pauvres ont besoin pour améliorer leurs conditions de vie.

Le programme Financial Inclusion Insights
Le programme de recherche Financial Inclusion Insights (FII) sur l’inclusion financière répond à un besoin de données à jour sur la demande et de connaissances pratiques sur l’utilisation des services financiers par téléphone mobile et d’autres types de services financiers numériques, ainsi que sur les possibilités d’utilisation accrue de ces services parmi les populations pauvres. Le programme couvre dix pays africains et asiatiques où les services financiers numériques se situent à divers stades de développement. Les travaux de recherche ont débuté à l’automne 2013. Géré par le groupe de recherche international InterMedia, FII est parrainé par le CGAP et le programme de Services financiers pour les pauvres de la fondation Bill et Melinda Gates. Toutes les données et études du FII sont mises à la disposition du public sur le site du programme à l’adresse www.finclusion.org.

New Data from CGAP Sets Benchmark for Use of Mobile Financial Services in Rwanda, Ghana

WASHINGTON, Dec. 16, 2015 /PRNewswire/ — New financial inclusion survey data from CGAP offers a first glimpse into mobile money usage in Ghana and Rwanda, where in both countries 17% of adults have active mobile money accounts.

Consultative Group to Assist the Poor is a think tank dedicated to improving the lives of the poor by advancing financial inclusion.

Logo – http://photos.prnewswire.com/prnh/20151216/296527LOGO

The nationally representative survey of adults provided interesting insights into how many people are using mobile financial services and for what reason. While Kenya and Tanzania have been previously lauded as mobile money success stories, the survey demonstrates new technology can be effective in other African markets such as Rwanda and Ghana.

The findings show that mobile financial services are proving to be critical to connect people in rural areas or living on less than $2.50 per day with formal financial services. In Rwanda, for example, the survey found that 61% of active mobile money users were located in rural areas, while 72% live on less than $2.50 per day. In these cases, mobile money is proving to be some adults’ first inroad into financial inclusion.

Claudia McKay, Senior Financial Sector Specialist at CGAP noted: “There is a ripe market for products that make it easier, faster and cheaper for people to conduct financial transactions. Now it’s a matter of designing products that fit into the everyday lives of people, especially the poor, and that have a strong business case for providers.”

Rwanda Highlights:

  • 23% of adults have a mobile money account;
  • 17% of adults in Rwanda have active mobile money accounts;
  • 61% of active mobile money account holders are located in rural areas, while 72% lived on less than $2.50 per day;
  • 25% of active mobile money users pay bills through their accounts; and
  • 71% of adults pay for insurance, but only 0.1% do so via mobile money.

Ghana Highlights:

  • 20% of adults have a mobile money account;
  • 17% of adults have an active mobile money account;
  • Ghanaians are “mobile ready,” in that 92% have the required form of identification to open an account, 95% are numerate, 91% own a mobile phone, and 74% have sent or received text messages; and
  • 59% of adults pay for insurance, but only 0.1% do so via mobile money;

The survey highlighted that digitizing existing cash payments– such as insurance premiums, savings, or wages – is an opportunity for mobile money to expand in these markets.

>> Explore the Survey Data
http://www.cgap.org/sites/default/files/publications/multimedia/cgap/index.html

­About CGAP
The Consultative Group to Assist the Poor is a global partnership of 34 leading organizations that seek to advance financial inclusion. CGAP develops innovative solutions through practical research and active engagement with financial service providers, policy makers, and funders to enable approaches at scale. Housed at the World Bank, CGAP combines a pragmatic approach to responsible market development with an evidence-based advocacy platform to increase access to the financial services the poor need to improve their lives.

About Financial Inclusion Insights
The FII research program responds to the need for timely, demand-side data and practical insights on the use of mobile money and other digital financial services (DFS), and the potential for their expanded use among the poor. The program covers 10 countries in Africa and Asia at different stages of DFS development. Research was launched in fall 2013. FII is operated by global research group InterMedia and sponsored by the Financial Services for the Poor program of the Bill & Melinda Gates Foundation and CGAP. All FII data and research is publicly available through the FII portal: www.finclusion.org

“PrEP: The Revolution That Didn’t Happen” Declares New AHF Advocacy Ad

More than three years after FDA first approved use of Truvada for pre-exposure prophylaxis to prevent HIV transmission, CDC reports just 21,000 individuals in the U.S. are on PrEP today.

In May 2014, the CDC first recommended 500,000 high-risk individuals go on PrEP. CDC is now recommending that 1.2 million people go on PrEP—including 1 in 4 gay men. CDC appears to be doubling down on a costly prevention strategy that does not have widespread acceptance at the expense of other proven HIV prevention methods including ‘treatment as prevention’ and condom use.

LOS ANGELES–(BUSINESS WIRE)–A new advocacy ad by the AIDS Healthcare Foundation (AHF) takes aim at the failure of pre-exposure prophylaxis (PrEP), the use of Gilead Sciences’ AIDS treatment Truvada to prevent HIV transmission in uninfected individuals, to catch on despite the fact that the powerful AIDS treatment medication has been approved by the Food and Drug Administration (FDA) for use as PrEP since July 2012 and that Gilead has spent millions to promote the drug directly to community groups and physicians.

In 2014, the Centers for Disease Control and Prevention (CDC) initially recommended that 500,000 gay men and other high risk individuals go on PrEP to prevent HIV infection. In late November of this year, the CDC raised that number to 1.2 million in November to also include other “high risk” people including intravenous drug users and heterosexual adults without HIV who have an HIV-positive partner or have multiple sexual partners. Today, only 21,000 people are currently on PrEP in the United States, according to Dr. Jonathan Mermin, the CDC’s Director of the National Center for HIV/AIDS, Viral Hepatitis, STD, and TB Prevention (NCHHSTP).

AHF’s “PrEP: The Revolution that Didn’t Happen” ad also calls out the CDC for directing funding away from proven STD/HIV prevention and treatment methods: “The failure of PrEP to catch on isn’t the biggest problem. The big problem is that CDC has abandoned promoting other prevention methods such as condoms. STD rates, which indicate high levels of unprotected sex, are soaring across the board and yet budgets for the diagnosis and treatment of STDs are being cut. Funding for HIV testing, outreach and linkage to care are flat or declining.”

The ad can be viewed here and the full text is below:

PrEP: The Revolution that Didn’t Happen

In July 2012, the FDA approved Truvada for the prevention of HIV (PrEP). It was hailed by CDC and many activists as a prevention revolution. CDC recommended that 500,000 gay men take the drug which it recently raised to 1.2 million. Gilead Sciences, the maker of Truvada, has spent millions funding community groups to promote the drug and more money enticing doctors to prescribe it. Thousands of articles have been published about PrEP. Two and a half years later according to CDC only 21,000 people are on the drug in the United States. Any objective observer has to conclude that most patients don’t want to take Truvada and doctors are not recommending it.

The failure of PrEP to catch on isn’t the biggest problem. The big problem is that CDC has abandoned promoting other prevention methods such as condoms. STD rates which indicate high levels of unprotected sex are soaring across the board and yet budgets for the diagnosis and treatment of STDs are being cut. Funding for HIV testing, outreach and linkage to care are flat or declining.

We know that when people with HIV are treated and their virus is brought down to undetectable levels they are rendered non-infectious to others. Yet, in the United States only about 30% of the HIV infected population have their virus under control – a very bad situation.

AHF has made clear that we believe that PrEP is a good solution for individuals who have multiple partners and never use condoms. However, we do not believe that it is a proven public health solution. How long will it take for CDC to catch on to the failure of this strategy? In the meantime, our country is unprotected against the spread of HIV and other STDs.

The editorial advertisement is scheduled to appear in the Florida Agenda and Washington DC’s Metro Weekly and Washington Blade this week, followed by placements in the South Florida Gay News, Frontiers (Los Angeles), Bay Area Reporter, Gay City News (New York City), Dallas Voice, and Georgia Voice the week of December 20th-26th.

“PrEP: The Revolution that Didn’t Happen” follows an August 2015 national editorial ad campaign entitled “Reaching Common Ground on PrEP” that outlined eleven suggested principles on PrEP and ran in the same publications.

AIDS Healthcare Foundation (AHF), the largest global AIDS organization, currently provides medical care and/or services to over 500,000 individuals in 36 countries worldwide in the US, Africa, Latin America/Caribbean, the Asia/Pacific Region and Eastern Europe. To learn more about AHF, please visit our website: www.aidshealth.org, find us on Facebook: www.facebook.com/aidshealth and follow us on Twitter: @aidshealthcare and Instagram: @aidshealthcare

Contacts

AHF

Ged Kenslea, Senior Director, Communications

+1.323.308.1833 work

+1.323.791.5526 mobile

gedk@aidshealth.org

or

Christopher Johnson, Associate Director of Communications

+1.323.960.4846 work

+1.310.880.9913 mobile

christopher.johnson@aidshealth.org

SOURCE: AHF