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Privacy Policy DabaDoc (“us,” “we,”, “DabaDoc” or “The Company”) is committed to respecting the privacy rights of our customers, visitors, and other users of DabaDoc.com (the “Site”) and related websites, applications, services and mobile applications provided by DabaDoc and on/in which this Privacy Policy is posted or referenced (collectively, the “Services”). We created this Privacy Policy (“Privacy Policy”) to give you confidence as you use the Services and to demonstrate our commitment to the protection of privacy. Protecting your personal data is a constant concern for us, and the Company is committed by this to ensure that: Only personal information necessary for the proper functioning of the Service is collected Your private information is secure and protected The Company reserves the right to modify this Privacy Policy at any time without notice. You should check this page from time to time to ensure that you have full knowledge of the provisions of this Privacy Policy and that you agree with them. If you do not agree to these terms, you must stop using DabaDoc and waive benefit of the proposed service. This Privacy Policy is effective as of July 30, 2013.

DabaDoc is an online platform which allows patients to easily find and book an appointment with an available doctor nearby that meets their needs at any time and on any device. Doctors listed on DabaDoc can optimize their schedule and interact with their patients.

DabaDoc (“us,” “we,”, “DabaDoc” or “The Company”) is committed to respecting the privacy rights of our customers, visitors, and other users of DabaDoc.com (the “Site”) and related websites, applications, services and mobile applications provided by DabaDoc and on/in which this Privacy Policy is posted or referenced (collectively, the “Services”). We created this Privacy Policy (“Privacy Policy”) to give you confidence as you use the Services and to demonstrate our commitment to the protection of privacy.

The deal will see the pair work on the development of new products and services supporting digital payment for customers of Safaricom’s M-Pesa micro-finance and payments platform. The partnership will cover over 24 million M-Pesa customers, more than 173,000 M-Pesa merchants from Safaricom and more than 61 million merchants on Visa’s network. “This partnership will play an important role in delivering even more value to our customers,” says Peter Ndegwa, CEO of Safaricom.

Payments provider Small World FS and Ghanaian mobile financial services aggregator Zeepay have struck a partnership to offer mobile money wallets in Ghana.

Get the ability to provide banking services to people who were previously unreachable, thanks to a lower cost of risk and the ability to accurately predict future behaviour.

Unlock the value of individuals’ digital footprints and power a generation of entrepreneurs, small businesses and communities with real financial choice.

Credit Our lending products give entrepreneurs quick access to funds or asset finance. The loan amount, life cycle and repayment method can be configured to fit the needs of the individual. Savings JUMO builds and operates short-term, structured and long-term savings products that bear interest. They’re available to anyone who needs a safe place to store and grow their money. Insurance JUMO is able to work with underwriters and insurers to create standalone or wrapped insurance products to safeguard incomes, families, assets and businesses, no matter how small. Points We’re developing a white label points programme that can be used as a tool to drive and incentivise mobile transactions and empower people to build a personal, digital financial profile.

One such disruption is the rising industry of crowdfunding, which involves a platform, an individual or entity in need of funding, and a community of people willing to collectively contribute these funds in exchange for rewards and recognition. The amount of money raised by crowdfunding platforms during 2012 is expected to reach $2.8 billion, up 91% since 2011.

The discussion in this section is centered around mobile money and mobile financial services. These terms are not meant to exclude digital payments and digital finance from the discussion. While a systematic distinction between the terms – that are often used interchangeably in the literature, with ‘digital’, however, referring to the end user requiring access to digital devices (as opposed to a simple text-based mobile phone) – can be useful, as generally speaking access to the internet enhances possibilities [17••], we instead explicitly mention the role of the internet wherever access is critical, as most of the services outlined below (or at least some equivalents) are accessible without internet. This point has to be evaluated positively in terms of accessibility.

Founded in 2015, AgroCenta is an online sales solution for smallholder farmers, with two offerings – supply chain platform AgroTrade, and financial inclusion service AgroPay.

Disrupt Africa reported yesterday AgroCenta was one of six African startups awarded non-equity funding by the GSMA Ecosystem Accelerator. Though the startup’s co-founder and chief executive officer (CEO) Francis Obirikorang declined to disclose the breakdown of equity versus grant cash, Disrupt Africa can confirm that the GSMA input is worth around US$250,000. Obirikorang said the funds will be used to scale up AgroCenta’s operations in Ghana, while the GSMA grant is more specifically geared towards the AgroPay platform, which provides any smallholder farmer who has traded using AgroTrade with a financial statement they can use to get access to finance.

Fawry Microfinance, a subsidiary of the listed Fawry for Banking and Payment Technology Services, intends to borrow at least EGP 300 million from its existing shareholders, Enterprise cited Fawry CEO Ashraf Sabry on December 14th

Fawry’s subsidiary plans to expand its microfinance portfolio to EGP 500 million by the end of 2021, up from EGP 204 million until September 2020, the news portal added.“We have seen solid growth in 2020 and we see the potential of lending to small businesses to finance their working capital and purchases from suppliers,” Enterprise quoted Sabry as saying.

The main focus for Hello brands is what customers want and expect from the respective services.

The Hello brands are aspiring and inclusive, aiming to connect all Ethiopian citizens for a brighter future; a future that unlocks the potential of the country and its diverse people

Belcash is the proprietor and provider of the ‘Hello’​ brand. We attempt to find the perfect fit for our customers and partners. This heavy focus on customer service, innovation and professionalism means that our stakeholders are proud to identify themselves with us. Though each Hello brand represents a different service, they all share one key feature – the mobile phone is the access point for their service. The main focus for Hello brands is what customers want and expect from the respective services. The Hello brands are aspiring and inclusive, aiming to connect all Ethiopian citizens for a brighter future; a future that unlocks the potential of the country and its diverse people. The Hello brands say ‘Hello’​ to their customers and offer them essential services with a high level of convenience, quality and affordability. Over the last four years, our service has allowed the Ethiopian population to access the following services using their mobile phones: Health advice (HelloDoctor) Market access (HelloMarket / HelloGebeya) Labour market access (HelloJobs / HelloSera) Legal advice (HelloLawyer / HelloTebeka) Mobile Trade service (HelloBroker/ HelloDelela) And, since February 2015, in partnership with select Ethiopian banks and micro finance institutions; Financial Inclusion (HelloCash)

Their website allows individuals from North America and Europe to send payments for electricity bills, health insurance, school fees, and more to individuals in Ethiopia. Ethiopay fits the unique financial technology needs of Ethiopians. They hope to help Ethiopians in the diaspora reach individuals at home by providing seamless payments. Hadgu and Yohannes entered this year’s competition to share their innovative venture and gain exposure.

Their website allows individuals from North America and Europe to send payments for electricity bills, health insurance, school fees, and more to individuals in Ethiopia. Ethiopay fits the unique financial technology needs of Ethiopians. They hope to help Ethiopians in the diaspora reach individuals at home by providing seamless payments. Hadgu and Yohannes entered this year’s competition to share their innovative venture and gain exposure.

They are a centralized global payment platform that currently enables users a simple and convenient way to transfer and/or purchase cross border bill pay, money transfer, mobile data, and mobile minutes between the United States and Ethiopia. Ethiopay co-founders Daniel Hadgu (B.B.A. ‘20) and Minas Yohannes (B.B.A. ‘20) are Eritrean descent while Michael Gizachew is of Ethiopian descent and they all struggled to send funds between the U.S. and their family abroad. Together they created a way to affordably and efficiently transfer money overseas.

So far JUMO has analysed more than 33 terabytes of data to serve more than nine million customers in seven countries across Africa and Asia, including Tanzania, Kenya, Uganda, Ghana, Zambia and Pakistan.

Its mission is to build and operate inclusive digital banking marketplaces to advance financial inclusion for the 80 per cent of the world’s population who are excluded or underserved by traditional financial services.

As an investor partner, LeapFrog’s financial services expertise is being used for product design and multi-country rollouts, to turbocharge Jumo’s growth and spur financial inclusion across Africa.

The product of WorldCover is certainly customer centric at its core. When initially launching, Chris went to Ghana and began speaking to the farmers there. To him, it was important they didn’t “sit around and design a product by committee,” but instead that they actually went and understood what the customer problems were.“I would ask a farmer, what’s your biggest problem today? What are you worried about today? Just a very general question, and they would say I’m worried that the rain won’t come. I’m worried that my crop will fail and there will be drought this year.” — Chris Sheehan, CEO WorldCover

Robert is a father of four and lives in the rural areas at the outskirts of Tamale, in northern Ghana. He lives off his one hectare of land where he grows maize and groundnuts. He sells part of it to the local market and eats the rest with his family. Like many of the 475 million smallholder farmers around the world, he faces constant threats of droughts or other weather hazards that can destroy his family’s main source of subsistence: Crops. Ninety percent of farmers in Africa have no access to crop insurance or other safety net.

WorldCover addresses this problem by providing farmers with simple and affordable microinsurance policies, insuring their crops against the risk of drought. Microinsurance and farmers receive rapid payout in cases of drought during the crop growth period. WorldCover ran a full pilot project in 2015 among Rice and Sorghum farmers and signed up a significant number of farmers, with many more committed.

AgroCenta is an innovative online platform that empowers small holder farmers and farmer based organizations in rural farming communities access a wider online market outside their immediate locality to trade fairly and equitably. They can access technological tools and information that will inform them on best farming practices such weather information, market information and finally access to agro inputs such as fertilizers, pesticides and weedicides directly from stakeholders.

AgroCenta is an innovative online platform that empowers small holder farmers and farmer based organizations in rural farming communities access a wider online market outside their immediate locality to trade fairly and equitably. They can access technological tools and information that will inform them on best farming practices such weather information, market information and finally access to agro inputs such as fertilizers, pesticides and weedicides directly from stakeholders.

AgroCenta is an innovative online platform that empowers small holder farmers and farmer based organizations in rural farming communities access a wider online market outside their immediate locality to trade fairly and equitably. They can access technological tools and information that will inform them on best farming practices such weather information, market information and finally access to agro inputs such as fertilizers, pesticides and weedicides directly from stakeholders.

Agri-tech startup in Kenya, FarmDrive has gotten access to more finance as its operations recently faced expansion to make provision for 3 million shareholders farmers.

The most obvious benefit of crowdfunding for entrepreneurs is the funding. With so many startups on the market, it is hard to gather the money needed to bring ideas to life. Through crowdfunding, ventures that do not have a company builder like FinLeap behind them, can gain support at the very beginning. Crowdfunding provides a way for innovate ideas to be presented attractively, so it can be launched. Moreover, a crowdfunding platform can help successful entrepreneurs to validate their product which can then help with gathering the Series A funding. It makes validation faster and more scalable. Additionally, a crowdfunding platform allows entrepreneurs to get insights from their future customers and experts in the startup field while building awareness for the idea. [3]

The basic model of the Kiva intermediary model, illustrated in Figure 1, is that small lenders lend to Kiva. Kiva lends to MFIs. These MFIs then lend to poor people. Thus the MFIs are using Kiva as a financing agency. Kiva is actually providing a service to small lenders who want to participate directly in the microfinance movement. In the Kiva model, there is no interest given by Kiva to the lender and no interest charged by Kiva to the MFI. However, the MFI charges normal interest rates to the poor borrower. Kiva is a not-forprofit.

Fawry offers digital payments to companies and individuals in Egypt Fawry handles around 2.1 million transactions daily and collected 40 billion Egyptian pounds last year

Fawry for Banking Technology and Electronic Payment SAE Extraordinary Shareholders Meeting