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Archive for category: Technology

Information and stories about technology news.

Global Poverty, Technology

The Growing Technological Consumer Base in West Africa

Technological consumer base in West AfricaThe whole of Africa is known for being an incredibly poor continent. While improvements have been made in certain aspects of life that have provided citizens with better and easier lives in some regions, Africa is still in need of advances that work towards lessening poverty throughout this vast nation. The growing technological consumer base in West Africa, particularly the digital economy and mobile outreach, is becoming a very big deal.

When it comes to technological advances in smaller countries or regions of countries, some nations are way ahead of others. This is largely due to the fact that certain countries have more money than others to invest in these advancements. Even though money may be limited, some areas have found ways to achieve technological improvements.

The technological consumer base in West Africa has experienced a major increase in users in only a decade. Subscribers for the mobile economy of West Africa have reached 47 percent, up from 27 percent ten years ago. These advancements have created new opportunities for government, various industries, start-up businesses, and more. A conference held in April 2018 addressing West Africa’s digital revolution in the last ten years revealed two major factors that contributed to this new digital age: people and technology. People are the ones who rely on, create, and consume technology in increasing numbers while technology and technological advancements continue to broaden their impact the more they are improved upon. The conference was devoted to these two factors in an attempt to bring continued support for integrating mobile and digital technology into society in these regions and bolstering the new growing base of users.

An example of the impact of the increasing technological consumer base in West Africa occurred in 2017. To begin, 85 percent of the world’s population lives in Africa, Asia, and Latin America. Large companies such as Google realize that what works for citizens in western culture may not work in the most heavily populated regions of the world. When 1GB of data can cost a consumer almost 10 percent of monthly income, better user options must be considered to grow the consumer base. Recognizing this, Google broadened the YouTube Go app to Nigeria. This app is data-friendly and allows viewers to save and watch videos offline. Google also created an app called Datally for Android which helps users conserve data. As an internet conglomerate, Google realizes that areas like West Africa are the future of the world’s growth. It focuses on ways to enable these areas to grow in a technological age and improve life for its citizens.

Organizations, such as the World Bank Group, have been promoting a digital economy in all parts of Africa. A digital economy will connect Africa’s citizens to various industries, services, information, and each other. In addition, it will provide people with a digital ID to validate their identity and help them connect to necessary government services. Citizens will also gain easier access to formal financial services including mobile money, such as e-commerce and online markets. West Africa’s most recent technological developments and increasing consumer base provide proof that these advancements are possible, they work in these regions, and they make life better for its citizens. This can influence other regions of Africa to continue developing a digital economy.

West Africa’s growing technological consumer base is a possible stepping stone to a better future for Africa as a continent. This growth of the digital economy in Africa that will give citizens much-needed resources, provide more economic opportunities, and create a better way of life.

– Haley Saffren
Photo: Flickr

September 6, 2019
https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg 0 0 Kim Thelwell https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg Kim Thelwell2019-09-06 12:11:582024-05-29 23:10:36The Growing Technological Consumer Base in West Africa
Education, Global Poverty, Technology

5 Microsoft Initiatives Improving Education in India

Five Microsoft Initiatives Improving Education in India
With 372,601 people under the age of 14, India’s school-age population demonstrates a massive market for scholastic innovations. The country has been working to build the level of technology-infused education throughout the eight years of compulsory education. Only 3.8 percent of India’s GDP is currently being used for education, so outside companies also work to contribute to the educational system.

Microsoft initiatives have influenced STEM education throughout the country. Microsoft has partnered with many schools and government programs to improve education in India. Five Microsoft initiatives improving education in India include Project Shiksha, Project Shaskam, Showcase Schools, Microsoft Academia Accelerator and Microsoft Innovative Educator.

Project Shiksha

Project Shiksha was founded in 2003 to target classrooms lacking technology to aid education. Teachers participate in a six-day intensive program to build computer skills for classrooms and administrative duties. Incorporating technology into Indian classrooms helps to build a more effective learning environment and engage a wider range of students.

As of 2018, Project Shiksha has impacted more than 430,000 students in India. The program has trained 9,246 teachers throughout the country to better incorporate technology into the daily curriculum. Additionally, in the Karnataka region, Project Shiksha has impacted eight districts, 992 schools, 5658 teachers and 3,13,748 students since the project began. In that region alone, the program has instilled three different IT centers to improve computer education and technology literacy.

Project Shaskam

Project Shaskam helps fund professional development classes to train faculty in technological skills for the classroom. The program helps educators to digitize classrooms and bring more technology-based learning lessons to students. This can drastically improve the level of education in India. Less than one in five teachers in India are qualified to teach, as demonstrated through the dwindling numbers of teachers passing evaluation tests in Maharashtra. In 2015, only one percent of teachers tested passed the end of year evaluation tests. Project Shaskam ensures teachers in public education sectors are sufficiently trained to educate students in India.

Since 2011, Project Shaskam has trained more than 4,228 teachers in more than 148 Indian universities. The educators that participated in the program have since trained 1,126 other teachers in these skills. Teachers are trained to use multiple Microsoft programs, including Microsoft Office, Microsoft OneNote Class Notebook, Sway and other programs. The institutes involved in Project Shaskam include SRM University, Geetanjali Girls College, NIMS University, Shaheed Sukhdev College of Business Studies, Jai Narain Vyas University and Integral University. As of 2018, the program impacted 931 teachers at 25 universities.

Showcase Schools

Showcase Schools focuses on building and maintaining leadership skills throughout globally recognized schools to enable educators to create a more effective learning environment in Indian classrooms. The program emphasizes one to one learning techniques. This helps teachers build more personal relationships with students in the classroom and push students to be more successful. Showcase School leaders work together to create a collaborative space to explore teaching ideas and methods to heighten the usage of technology in Indian schools.

More than 126 schools are currently working under the Showcase Schools initiative to impact more than 4,000 students. The Microsoft Showcase School Leaders Forum, hosted in 2016 through a partnership with The Aga Khan Academy, featured multiple Showcase School leaders who shared new ideas for innovative education platforms using technology. One example of the program’s impact on education in India is the two-day INFINITUS Fest held at Delhi Public School in Ghaziabad. The event, in collaboration with Microsoft India, also impacted 17 other schools.

Microsoft Academia Accelerator

The Academia Accelerator program began in 2014 to create a long-lasting relationship between Microsoft and programs benefitting education in India. The program helps facilitate developments in Indian schools and universities to ensure the programs continue to modernize. Furthermore, Academia Accelerator works to improve student understanding of newer technology and ensures that computer-based skills are retained throughout classes.

Academia Accelerator has partnered with 18 different schools throughout India to improve education systems. Microsoft sponsors Code.Fun.Co, an annual event featuring a 20-hour hackathon for the students at partnered universities. This event allows students to address real-world issues through technology and coding programs. The program also hosts AXLE, a Microsoft Academia Accelerator showcase in India, to discuss the impact of AI and technology in learning. This showcase includes keynote speakers, the Code.Fun.Co competition and innovative new technology designs. These activities help inspire students to dive further into STEM education in India and tackle large-scale issues in the community.

Microsoft Innovative Educator

Of the five Microsoft initiatives improving education in India, Microsoft Innovative Educator program seeks out educators who are going above and beyond using technology to reach students in new and exciting ways. The program works as an advocate for technology-infused schools, bringing in outside sources to merge the traditional educational system with more modern technology to strengthen the level of material in schools.

Innovative Educator reached 443 teachers in 2018 to create an educational group that encourages technology use in Indian classrooms. At the 2019 Education Exchange (E2) conference in Paris, India’s representative group was the largest to date with 10 Microsoft Innovative Educator (MIE) Experts, six school leaders and three MIE Fellows. Six of the Indian educators and fellows also participated on winning teams at the conference, showing their unique approaches to adding technology into the classroom.

Five Microsoft initiatives improving education in India are Project Shiksha, Project Shaskam, Showcase Schools, Microsoft Academia Accelerator and Microsoft Innovative Educator. These programs reinforce technology-based education and improve the level of materials in classrooms throughout the country.

– Kristen Bastin
Photo: Flickr

September 5, 2019
https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg 0 0 Kim Thelwell https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg Kim Thelwell2019-09-05 13:24:322024-05-29 23:10:465 Microsoft Initiatives Improving Education in India
Global Poverty, Technology

How Biometric Identification is Used to Prevent Disease

biometric identificationGavi, the Geneva-based vaccine alliance, has partnered with Simprints Technology in order to provide more accurate records of vaccination for children in Bangladesh and Tanzania. The partnership hopes to use biometric identification methods to track the medical history of children under five. Because half of the children born in sub-Saharan Africa are not registered at birth, they lack an official “identity,” making it infinitely more difficult to access medical care and vaccinations for life-threatening diseases. This ever-evolving technology would allow doctors to administer immunizations at clinics to scan a child’s fingerprint, and immediately have access to a complete record of vaccinations.

What is Biometric Identification?

Biometric identification uses unique indications of a person, such as a fingerprint, voice recording, retinal scan or even an ear scan, as proof of a person’s identity. Major technology corporations like Apple have been moving towards this as a more secure mode of entry to devices like laptops or smartphones. As so many facets of daily life are digitalized, and with many people in developed countries possessing more than one device and countless online accounts, this method does away with the need for passwords and usernames. Instead, users may unlock their devices or accounts with their fingerprints or their face. Because of the reliability and security of this method, global poverty initiatives, like Simprints, are looking towards this technology as a means of accurately tracking medical history and practice.

The Security Risks

Though biometric identification poses many benefits, there are security risks to using this technology. Just as bank account passwords or credit card information can be hacked and stolen to be used for profit, so too can this more complex information. Hackers would not be stealing someone’s fingerprint or retinal scan. Instead, as technology like this becomes more prevalent, a robust online identity will be attached to individuals, geographic location, gender, and medical records. Access to this information may allow companies seeking a profit to contact a more specific demographic, and hackers may sell this information to people who may benefit from it.

These security risks are combatted by ensuring informed consent before any scans are taken and allowing every individual to determine for what purposes their data is used.

The Vaccination Record Initiative

Simprints Technology, a non-profit organization specializing in biometric identification, is providing the fingerprinting equipment for this trial. The company’s mission is to use biometric identifying technologies to fight global poverty, primarily by easing the minutia of healthcare. For example, these methods can also be used to increase maternal healthcare by more effectively tracking an expectant mother’s doctor visits.

In Bangladesh and Tanzania, Simprints and Gavi will work to create digital identities for thousands of young children. Simprints technology is so fine-tuned for this type of work that their equipment can account for the blurriness of a child’s fingerprints, and potential burning or scarring of the hands that is more common for people from this demographic. Once these programs are enacted, doctors or those working in medical clinics will simply scan a child’s finger to access a complete and accurate medical record.

Despite security concerns regarding biometric identification and its uses, this increased health initiative will safeguard children against preventable diseases. The program is a demonstration of how people with a desire to fight global poverty are doing so with revolutionary technology.

– Gina Beviglia
Photo: Flickr

September 3, 2019
https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg 0 0 Kim Thelwell https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg Kim Thelwell2019-09-03 15:24:282019-09-16 08:33:07How Biometric Identification is Used to Prevent Disease
Global Poverty, Technology

5 Times Social Media Affected Global Poverty

Social Media Affected Global Poverty
Social media has become a powerful presence in today’s world, with 3.48 billion people, 45 percent of the world’s total population, using social networks. Because social media can help get a message across or start many campaigns, people often use it to spread the word about things they are passionate about, including global poverty. Here are the five times social media affected global poverty.

Jonathan Acuff

Jonathan Acuff is an American author who runs a popular blog, StuffChristiansLike.net, that over three million people read. He has amassed a couple hundred thousand followers over all of his social media platforms, and they read his content daily. In 2010, Acuff garnered attention after he used his blog, Twitter and Facebook to raise $60,000, enough to build two kindergartens in Vietnam. His daughter saw a picture on the internet of an impoverished boy that shocked her, and he decided to post about needing $30,000 for a kindergarten in Vietnam as a result. He anticipated that it would take six weeks to raise the money. Through the power of social media, however, he managed to raise the money in a mere 18 hours, showing how powerful social media can be to spread awareness and help reduce global poverty.

Catapult

In 2012, Maz Kessler launched Catapult, the first crowdfunding platform for projects aimed at women and girls. Crowdfunding is when people fund a project by raising small amounts of money many people via the Internet. As the Guardian reports, “Catapult connects supporters to projects through social sharing, encouraging users to donate and track the progress of their donations.” Donations help women and girls living in global poverty around the world—from money going to building birth waiting homes for mothers in Sierra Leone to many global initiatives in Africa. So far, 432 projects have received crowdfunding and close to two million girls and women have received support. Catapult has a large following on social media with over 32,000 followers on Twitter, which shows how big of an impact crowdfunding through social media and the Internet can really have to make an impact to change the lives of those living in global poverty.

#ministermondays

In 2011, Dr. Agnes Binagwaho, Rwanda’s minister of health from 2011-2016, announced Monday with the Minister, or #ministermondays. This announcement meant that Rwandans would have the opportunity to ask Binagwaho and the Ministry of Health directly every other Monday and get responses about health programs in Rwanda. This hashtag serves as an example of how social media can be effective as a tool to educate and inform others about poverty happening around the world and in their own countries.

Omran Daqneesh

In 2016, a picture of a 5-year-old boy with his face drenched in blood and covered head to toe in a thick layer of dust surfaced online. This picture was of Omran Daqneesh, who had escaped a building in Aleppo that an airstrike hit. The Aleppo Media Center posted a YouTube video that contained the image and millions of people on social media quickly viewed, posted and shared it. The attention that the photo garnered on social media led to major news companies, such as NPR, picking up the story and sharing it. This picture raised awareness for the Syrian Civil War and how brutal the conditions were for innocent people and children living in Syria. This likely would not have happened without social media.

Global Citizen

Global Citizen is a movement with the goal to eradicate extreme poverty by 2030. On its website and social media platforms, Global Citizen supporters, called Global Citizens, can learn about the causes of extreme poverty and take action by tweeting or sharing global issues happening in the present. By sharing and helping the global poverty cause, Global Citizens in return earn rewards, such as tickets to concerts or shows. So far, Global Citizen has impacted 650 million people worldwide, showing truly how social media can make an impact on causes such as global poverty.

These are just a few examples of how social media affected global poverty in a positive way. In today’s world, thanks to modern technology, people have the power to help others like never before.

– Natalie Chen
Photo: Flickr

September 3, 2019
https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg 0 0 Kim Thelwell https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg Kim Thelwell2019-09-03 14:28:432019-10-02 10:37:205 Times Social Media Affected Global Poverty
Food Insecurity, Food Security, Global Poverty, Technology

How Satellites and Food Security Go Hand In Hand

Satellites and Food Security
Nearly 800 million people in the world do not have enough food to eat. It is no secret that more efficient farming and agricultural practices can help yield more crops to feed more people as well as bring in more income to poor farmers. In conjunction with traditional ground-based data collection of farmland, satellite imaging and sensing can help farmers monitor their crops and land condition in real time. Satellite-based technology can map cropland area and crop type, estimate area planted, estimate product yield and even detect early signs of droughts and floods. With this kind of technology, farmers may be better equipped to make informed choices about their land to protect their products. With more informed farmers, better use of resources and ultimately more crops, satellites may be an important part of ensuring global food security.

A New Wave of Tech

Precision farming is the use of technologies to inform farmers about their products. This method is not new, however, the systems in place are changing. Traditional, ground-based tests, such as soil sampling, have long been used to test the arity, salinity, and other conditions of land. These tests help instruct farmers about the optimal mix of fertilizer, pesticide and water that should be used to yield the most crops. While these tests are useful, they are expensive, time-consuming and can only provide data for a small area of land.

Satellites may provide a comprehensive solution. Equipped with imaging and sensing technology, satellites may analyze entire fields at more regular intervals for a more timely and lower-cost option. With land-use mapping and monitoring technologies, satellites cater to a variety of farmers’ needs. Farmers are using satellite technology to:

  • Analyze soil fertility.
  • Map irrigated land.
  • Monitor crop growth.
  • Produce crop yield forecasts.
  • Track crop development.
  • Measure soil moisture content.
  • Test soil chemical composition.

Depending on the program and type of imaging, the costs of satellite data may differ. The Sentinel-2, a land-monitoring system of two satellites that the European Space Agency (ESA) controls, provides vegetation imagery and moisture maps to farmers for $0.20 per acre per two months of service.

Satellites: Prediction, Protection and Prevention

In places like sub-Saharan Africa where agriculture accounts for 64 percent of all employment, satellite-based technology is vital to the survival of farmers. Ninety-five percent of sub-Saharan Africa’s farmable land lacks irrigation systems, thus making the farmland more susceptible to drastic land conditions like droughts and floods. With satellite technology and remote sensing, farmers can shift their focus from reacting to disasters after they occur to planning response before the disasters cause damage. Because low soil moisture content is an indicator of drought, satellites can measure the soil’s moisture content using microwave radiation and send an early warning to farmers in the affected area.

With these early response mechanisms, insured farmers can apply early to their insurers and receive money. Programs like the Ethiopian Productive Safety Net Program provides cash-transfers to poor households using this satellite-based technology.

People have used satellite drought imaging combined with data on local market supply and demand to bring the right amount of food aid to countries in need. Molly Brown, a researcher for NASA, uses satellite images of cropland in Niger, where farmers not only grow food for markets but also eat the crops, to estimate rising market costs. During droughts, these farmers cannot grow enough food to feed themselves and sell locally, thus demand and market prices increase. Since many rural families in Niger live on only around $400 a year, drastic price increases may mean that they cannot get enough to eat.

The goal of Brown’s research is to predict rising market prices before they occur based on satellite images of farmland. It is also to bring in enough food aid when people need it and to stop food aid when it is not necessary. Brown hopes satellites will be an important step toward ensuring food security.

Already at Work

Many organizations, large and small, have already begun harnessing the power of satellite technology and its use in agriculture. NASA has rolled out several satellite-driven initiatives to help combat food security. The Famine Early Warning Systems (FEWS) Network, established in 2000, uses NASA’s Landsat satellite imaging and remote sensing to gather data, forecast weather trends and hazards and create maps for vegetation, rainfall and water use. In order to make satellite imaging and data more accessible to the communities that could best utilize them, NASA established a web-based visualization and monitoring system, for Africa and Central America, called SERVIR, in collaboration with USAID.

Working with more than 200 institutions and training around 1,800 regional support staffers, SERVIR provides previously inaccessible satellite data, imaging and forecasts to local governments and researchers. With this information, SERVIR hopes that developing nations will be able to respond better to natural disasters, improve their food security and manage water and other natural resources.

Even private companies like Planet Labs, are investing in satellite-based technology. Planet uses many smaller, relatively inexpensive satellites for its imaging force. The company has around 140 currently deployed, enough to capture an image of the entire Earth every day. It sells imaging and monitoring data to over 200 customers, many of whom are agricultural companies.

In 2015, at the U.N. Sustainable Development Summit, Planet Labs introduced its Open Regions initiative. By making $60 million worth of its satellite imagery for certain regions available to the global public and directly accessible online, Planet Lab’s imagery brings data vital to the health of crops directly to farmers. With the U.N. deadline to end global hunger and ensure global food security by 2030, it is important for governments and organizations to look for new, sustainable opportunities to increase productivity. By looking beyond conventional, ground-based agricultural solutions and turning to the skies, farmers may find that satellites may be an important part of ensuring global food security.

– Maya Watanabe
Photo: Wikipedia Commons

September 3, 2019
https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg 0 0 Kim Thelwell https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg Kim Thelwell2019-09-03 13:42:452024-12-13 18:01:50How Satellites and Food Security Go Hand In Hand
Food Security, Global Poverty, Technology

GreenFingers Mobile Aids the Food Insecure

GreenFingers Mobile Aids in Food Insecurity
Agriculture is at the center of many African families. With over 70 percent of African families depending on agriculture as their main source of income, 90 percent of them live on less than $1 to $2 a day. GreenFingers Mobile aids the food insecure to attempt to change that. This app provides small and emerging South African farmers access to the growing market to help reduce poverty and make Africa food secure.

How GreenFingers Mobile Works

Initially piloted in 2013, GreenFingers Mobile did not fully establish until 2015. Prior to 2018, the mobile app served three countries and assisted more than 5,000 smallholder farmers. Today, it serves more than 8,700 farmers across three countries. The goal of the app is to provide small farmers with access to the agriculture market. GreenFingers Mobile aids the food insecure by replacing the inefficient pen and paper system and supplying farmers with real-time data. Instead, it provides farmers with a variety of services that range from improving the yield of their harvest to a virtual profile to build their credibility within the market.

In addition to informing farmers of the wellbeing of their fields, GreenFingers Mobile also aids the food insecure by registering over 12,500 farmers in training courses. These training courses provide farmers with knowledge of the agricultural market and ways to improve the yield of their cash crops. According to the World Bank, in 2016, nearly one out of nine people living in sub-Saharan Africa, South Asia and East Asia suffered from chronic hunger. That same year, 27.4 percent of Africa’s population suffered food insecurity. With food insecurity on the rise, the app presents many small African farmers with the ability to fight back. Through GreenFingers’ efforts to ensure food security in growing communities, it simultaneously reduces poverty. With the threat of hunger erased, communities and countries will become self-sustaining.

GreenFingers Mobile’s Funding and Investors

In 2018, GreenFingers Mobile was a finalist in Google’s Impact Challenge and received $125,000 in funding. That same year, Kiva, an international nonprofit organization with the mission to expand financial services to developing countries, approved a $15,000 loan for the company. Many expect the app to grow the sub-Saharan agricultural market to five times its current size in 2030, going from $200 billion to $1 trillion. Within the next two years, GreenFingers Mobile hopes to have more than 30,000 farmers utilizing the app. In May 2019, GreenFingers Mobile launched the GFM Tree Tracking module, which will provide the farmers with over a million trees.

Among many of the app’s investors is the Hivos Food & Lifestyle Fund, which Hivos provides. Hivos is an organization that focuses on “social change, digital activism and rural innovations in the sectors of sustainable food systems, renewable energy and governance,” as the GreenFingers Mobile website says. Natalie Miller, GreenFingers Mobile CEO, says the fund provided several cycles of seeds and helped lower the entry barrier, which assisted the app in cutting prices by two-thirds.

With nearly 60,000 commercial transactions completed, GreenFingers Mobile continues to grow. It is paving the way for technological innovation in Africa. Though it will take time for Africa to see an effect on its food security, GreenFingers Mobile is on its way to improving the lives of those in poverty.

– Emily Beaver
Photo: Flickr

September 3, 2019
https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg 0 0 Kim Thelwell https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg Kim Thelwell2019-09-03 10:39:202019-09-03 10:39:20GreenFingers Mobile Aids the Food Insecure
Global Poverty, Technology

How Tala is Changing the World One Loan at a Time

Tala is Changing the WorldShivani Siroya’s startup, Tala, is changing the world by making a better, more equitable financial system one loan at a time. Billions of people around the world do not have a financial identity, making it impossible for them to advance due to a lack of credit history, but Tala is changing this.

The Financially Anonymous

Only 30 percent of the world’s adult population has a financial identity. The other 70 percent lack a credit history or any way of applying for loans. This severely limits opportunities to financially advance because loans are often necessary for larger investments, like starting a business, purchasing farm equipment or investing in better irrigation systems.

Credit and loans are only accessible with some type of paper trail or financial history if customers are borrowing from traditional banking institutions. It would be too risky to lend money to anyone lacking credit and financial history. Siroya, Tala’s founder and CEO, realized “that there are billions of people around the world who are not ever seen and don’t even have an identity. That felt really wrong.”

How Tala Works

Tala is a smartphone application available to anyone with an Android phone. With permission from the user, the application uses data collected from smartphones to create a digital credit history that determines if the customer is eligible for a loan. It serves the same purpose as traditional credit history to create a unique financial profile for each user. It is currently serving customers in Kenya, Tanzania, the Philippines, Mexico and India with Kenya accounting for the majority of users.

Using nontraditional data, Tala analyzes each of its three billion users using 10,000 unique data points to determine a user’s risk profile and whether they would be a credible borrower. Data points come from information gathered from texts, calls, sales transactions, application usages and personal identifiers that help to create a unique profile for each user. About 85 percent of Tala users receive a loan within 10 minutes of this vetting process. The average Tala loan is $50. Users typically invest these loans in equipment or business licenses, which are important opportunities that are not available to those who cannot access credit.

Tala expects customers to repay the loan within 30 days, which 90 percent of customers do on time. Tala is a loaning service that deals in microloans, ranging from $10 to $500. Since the company’s inception in Santa Monica in 2014, it has granted a total of six million loans worth $300 million and amassed a customer base of 1.3 million. Investors like Revolution Growth, IVP, Data Collective, Lowercase Capital, Ribbit Capital and Female Founders Fund with around 215 employees around the world fund Tala.

How Microloans Change Lives

Tala is a microfinancing company, using small loans to make big changes. Siroya herself has seen how these small funds make disproportionate improvements in people’s lives. Jennifer in Nairobi, a 65-year old food-service entrepreneur, needed credit to invest in a food stall and start her business. However, she had no credit history and banks refused to invest in her business aspirations. Her son heard of Tala and introduced her to the smartphone app. After answering eight to 10 questions, Tala approved her for a loan.

Over the last two years, Jennifer has taken out 30 loans and subsequently opened three food stalls. Additionally, she now has a formal credit history and can borrow money from formal bank institutions. In fact, Jennifer has used this opportunity to take out a small business loan from a bank and begin opening her own restaurant.

There are more people like Jennifer who lack opportunity but with help from Tala, they are beginning to see changes. By developing a real relationship with their customers, Tala is changing the world by updating the face of microfinancing and the very notion of credit history. Now it is possible to identify those who banking institutions ignored and give them a fair chance at empowering themselves.

– Julian Mok
Photo: Pixabay

September 3, 2019
https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg 0 0 Kim Thelwell https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg Kim Thelwell2019-09-03 09:50:242019-09-03 09:50:24How Tala is Changing the World One Loan at a Time
Global Poverty, Technology

Three Tech Initiatives For Chinese Farmers

Tech Initiatives for Chinese Farmers
Over 800 million or 57.7 percent of people in China are using the internet. As the urban middle class continues to thrive and spend more time online, the impoverished rural communities have been lagging behind. In 2019, Chinese farmers are starting to benefit from the growing interconnectivity of the digital world. Corporations, in conjunction with the Chinese government, have developed tech initiatives for Chinese farmers to trade, learn and profit over the internet. Soon enough, rural communities should be able to unite with the middle class through e-commerce.

The Happy Farmer WeChat App

Happy Farmer is a philanthropic take on the once-popular Facebook game, FarmVille. Players harvest and cultivate crops within the various agricultural regions of China. People can spend virtual profits from these crops on coupons for real-world produce. The social media app WeChat launched Happy Farmer to take advantage of the rapid spread of attitudes and ideas across a massive audience. This allows hundreds of millions of WeChat users to share links and create groups with friends to purchase produce together.

The creator of WeChat, Tencent, developed Happy Farmer alongside the Chinese Ministry of Finance. Together, they were able to make Happy Farmer a precisely-targeted, functioning, charitable and educational tool. The game is directly based on real-world regions and their products so users can learn what region each crop comes from. This should promote an appreciation for the resources that rural counties provide. Advertisements within the game capitalize on the vast audience and all profits will go to alleviating poverty within the countries Happy Farmer is based on.

Taobao Live

Many middle-class Chinese consumers love to shop while watching live-streamed promotions. Taobao Live is China’s largest live-streaming e-commerce service. As Taobao strives to make its app the standard method of e-commerce, it is expanding to markets that have been falling behind the times. Taobao is promoting the growth of 1,000 new live-stream hosts to connect impoverished Chinese farmers with the modern Chinese consumer.

As one of the tech initiatives for Chinese farmers, the Taobao Live app features agricultural live-streams for two hours every day. The entire 15th day of each month shows agricultural live-streams specifically. Taobao Live has already been successful in promoting e-commerce as there has been an 80 percent rise in sales on its platform from poverty-stricken counties in the past six months.

The A-Idol Initiative by Alibaba AI Labs

The A-Idol Initiative provides free training in labeling and curating data to impoverished people of rural areas. This data then goes toward developing artificial intelligence through machine learning.

Women with families in poverty are often the ones to move away from their rural homes in search of employment. In order to combat this issue, women can enroll in the A-Idol Initiative to work from home instead. The skills learned in this initiative are applicable to other jobs, so workers can have mobility and security within their field.

Through these three tech initiatives for Chinese farmers, farmers should have a path into the middle class of China. Cooperation between big businesses, small businesses and the Chinese government has proven to be a formidable strategy against poverty and a growing class gap.

– Nicholas Pirhalla
Photo: Flickr

September 3, 2019
https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg 0 0 Jennifer Philipp https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg Jennifer Philipp2019-09-03 07:30:192019-08-27 12:03:53Three Tech Initiatives For Chinese Farmers
Global Poverty, Health, Technology

Using Tech to Fight Ebola in the Democratic Republic of the Congo

Ebola in the Democratic Republic of Congo
With a population of more than 85 million people, the Democratic Republic of the Congo (DRC) has struggled with political and social instability since the Belgian conquest in the early 20th century. More than 100 armed groups are active in the DRC to this day. The second-deadliest Ebola outbreak in history, where more than 1,600 people have died, rages against this backdrop of violence. Since the virus’s discovery in 1976, the DRC has had 10 documented Ebola outbreaks, including this most recent one.  Despite these grim circumstances, a group of Congolese tech-savvy youth has developed an unlikely weapon against Ebola in the Democratic Republic of the Congo; an app called Lokole.

Ebola is a virus that causes fever, sore throat and muscle weakness and later progresses to vomiting, diarrhea and internal and external bleeding. Patients die due to dehydration and multiple organ failure. Developed during the West African epidemic of 2014-2016 where more than 11,000 people died, the investigational vaccine called rVSV-ZEBOV is currently in use to fight the outbreak in the DRC under the Compassionate Use Clause since no one has commercially licensed it to date.

What is Lokole?

In addition to medical interventions, the Congolese Ministry of Health is seeking technological tools. Through collaboration with Internews and Kinshasa Digital, it organized a hackathon in March 2019 which brought 50 students in communications, medicine, journalism and computer science together. These students divided into teams of approximately seven members, and each team sought to answer the question: “How can Ebola response teams leverage new technologies to achieve their communication goals at the local, national and international level?” Thrown together for the first time, Emmanuel, Ursula, Aurore, Joel, David, Israël and Maria worked for 24 hours and emerged with Lokole, the winning technology.

Lokole is an Unstructured Supplementary Service Data (USSD) mobile application that is “designed to facilitate the real-time transmission of data and information between communities and the Ebola response teams” despite poor internet connectivity in rural areas. This team of seven chose the name Lokole because it is the name of a traditional Congolese drum Congolese people use to transmit messages over long distances. With this app, they hope to increase communication about the spread of Ebola in the Democratic Republic of Congo.

USSD technology is a text-based communication system used by Global System for Mobile Communication (GSM) cellphones, which are used in most countries except for the U.S. and Russia. Even though text-based communication might seem outdated with smartphones in the picture, smartphone use across Africa is less than 35 percent and even those with smartphones might not have access to data plans. As such, a real-time mobile to mobile communication platform based on USSD technology is inherently more inclusive, cheaper and more useful.

How Will Lokole Help?

The Lokole app allows community workers to note and document Ebola symptoms through questionnaires, which are then relayed to Ebola response teams and the Ministry of Health.

“Real-time management of information by the different components of the Ebola response will help detect and provide treatment to patients more quickly and deploy resources on the ground more swiftly, which will help lower Ebola mortality rates,” David Malaba, one of the app’s developers, said.

While analog in comparison to smartphone technology, Lokole’s USSD platform offers the potential for real-time communication without having to invest in widespread expensive improvements in its internet connectivity infrastructure. Lokole empowers the everyday Congolese person with the tools to fight Ebola. It is a democratic grassroots health care model. In fact, similar USSD technology which connects the average citizen with a nurse or physician in a matter of minutes powers large-scale telemedicine platforms, such as BabylRwanda in neighboring Rwanda.

The development of the Lokole app is exciting in its fight against Ebola in the Democratic Republic of the Congo, but the galvanization of local Congolese talent is a game-changer. Hackathons that bring disparate youth together to problem solve big, often overwhelming, issues inspire others to pursue change. Lokole is just the beginning.

– Sarah Boyer
Photo: Flickr

September 2, 2019
https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg 0 0 Kim Thelwell https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg Kim Thelwell2019-09-02 12:23:532024-05-29 23:09:54Using Tech to Fight Ebola in the Democratic Republic of the Congo
Global Poverty, Life Expectancy, Technology

10 Facts About Life Expectancy in Estonia

Life Expectancy in Estonia
Estonia, a beautiful, Baltic country with a historically turbulent background, is a striking model of a nation that refuses to let adversities stand in the way of its mission for improvement. Despite Estonia’s many challenges over the last two decades, it continues to prove that positive change is possible, no matter how small. These 10 facts about life expectancy in Estonia demonstrate the most notable progress the country has made in pursuit of a longer and higher quality of life for its people. 

10 Facts About Life Expectancy in Estonia

  1. As of 2018, the life expectancy for Estonian women was 82 years, while it was 72.3 years for men, adding roughly three years to the lifespans of both genders since 2008. While these numbers are still slightly below the EU average for 2018 (84 years for women and 79 for men), Estonia has made quite a dent in its life expectancy gap over the last decade.
  2. Preventable diseases largely affect low life expectancy in Estonia. Cardiovascular disease is responsible for killing three in five women and nearly half of all Estonian men. Various types of cancer account for the deaths of 22 percent of women and 27 percent of men, making it the leading cause of death in Estonia.
  3. In the last decade, Estonia’s Parliament introduced initiatives to address the number of deaths resulting from risky behaviors like alcohol abuse, injectable drug use and smoking. Initiatives involved a national Drug Prevention Policy and public awareness campaigns on the harmful effects of alcohol use and smoking. Daily smoking is down to 17.2 percent in 2018 compared to 30 percent in 2001. People who used injectables for at least three years decreased from 21 percent in 2005 to eight percent in 2011. Alcohol abuse is still alarmingly high, though, and accounted for 21.4 percent of all casualties in 2015 despite awareness campaigns and restrictions on alcohol sale and increased excise taxes.
  4. The Estonian Government approved a National Health Plan for 2014 through 2020 to improve the quality and accessibility of health care institutions. To ensure all socioeconomic groups had access to the same quality of care, Estonia opened a national health insurance fund for patient reimbursements, required doctors and pharmacists to prescribe the most affordable medication available and launched an online platform to ensure that the health care system remained as transparent as possible.
  5. Estonia launched an e-prescription service alongside its National Health Plan. By 2011, the medical field issued 84 percent of all prescriptions digitally with a 90 percent satisfaction rate. This digital shift also benefited pharmacies, cutting staff costs related to incorrect prescriptions by 90 percent and putting considerable savings back into the national health fund in order to further improve life expectancy in Estonia.
  6. Around 44,000 people or 3.4 percent of the Estonian population lived in absolute poverty as of 2017. Low income and poorly educated populations in Estonia were 50 percent more likely to develop respiratory diseases and 40 percent more likely to develop hypertension than those operating at the highest levels of income. But, social transfers in the form of benefits and pensions saved 22.8 percent of the population from slipping into poverty in the first place.
  7. Estonian’s who go on to earn a university degree may live 14 years longer than those who only attain lower secondary educations. In 2014, 90 percent of Estonian adults between the ages of 25 and 64 had achieved upper secondary or tertiary forms of education. This number is comparatively much higher than the OECD average of 75 percent.
  8. Economic growth in Estonia is directly related to the country’s astonishing technological advancement since 1991. This advancement has played a major role in creating jobs in Estonia. According to The World Bank, over 14,000 new tech companies registered in Estonia in 2011, a 40 percent increase since 2008. High-tech companies also account for 15 percent of the country’s GDP.
  9. In an effort to combat high unemployment among Estonian youth, the country established ENTRUM (Youth Entrepreneurship Development Programme). The program aims to encourage creativity, problem-solving skills and knowledge of risk management. Between 2010 and 2012, over 1,000 teens participated in the program. Former participants went on to create 59 new businesses, the most successful employing upwards of 60 people.
  10. Estonia boasts a massive network of over 33,000 registered nonprofit organizations acting as service providers for citizens. These organizations employ 28,000 Estonian, making the nonprofit sector responsible for the paid employment of four to five percent of the national workforce. 

Despite its turbulent past, Estonia has proven over the last two decades that it is capable of great improvement. These improvements come in the form of technological advancement, transparent and efficient health care and government initiatives focused on accessing all citizens and ensuring they receive the care they need. 

– Ashlyn Jensen
Photo: Flickr

August 31, 2019
https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg 0 0 Jennifer Philipp https://borgenproject.org/wp-content/uploads/borgen-project-logo.svg Jennifer Philipp2019-08-31 07:30:572024-06-04 01:17:5410 Facts About Life Expectancy in Estonia
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