Browsing by Author "Mavodza, Emma"

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    Investigating channels of cash circulation adopted by unbanked (African) migrants in Pretoria Central Business District (CBD)
    (2016) Mavodza, Emma
    This study explored cash circulation channels adopted by unbanked migrants in Pretoria Central Business District (CBD), South Africa. To understand the complex nature of cash circulation and the subjective practices of migrants, in-depth interviews were conducted with sixteen migrants selected through snowballing sampling. Collected primary data were analysed thematically, from particular to general themes depending on the responses provided by the informants. The study adopted the Sustainable Livelihoods Framework (SLF) as an analytical tool to show how in the face of structural and institutional barriers, unbanked migrants have the capability to adopt digital solutions and socially embedded channels which are more flexible and sustainable in their livelihoods. These include informal channels such as hawala, malaichas and digital solutions like Kawena and Mukuru. By using this framework, the report reveals what unbanked migrants are doing on the ground, what shapes adopted cash circulation processes and the resultant livelihood outcomes. The study aimed at contributing to previous research on money transfer mechanisms adopted by unbanked African migrants. The conclusion reached is that, by adopting various socially embedded cash circulation channels, unbanked migrants circumvent structural constraints and, by so doing, financially include more people who were previously excluded. Although the study was limited to a small sample, it raises strong implications for policy makers to look at the inherent strength of migrants as development actors. Findings from this exploratory study are critical in that they open new niches for research on migrants and financial exclusion in Africa and beyond.
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    The ‘social life’ of digital money: User experiences of mobile money in Manzini, Eswatini and Masvingo, Zimbabwe
    (University of the Witwatersrand, Johannesburg, 2023-07) Mavodza, Emma; Katsaura, Obvious; Kenny, Bridget
    Digital financial service innovations have long been hailed as a catalyst for financial inclusion and empowerment for the unbanked (Beck, et al, 2007; Anderlone and Vandone, 2010; Johnson and Arnold, 2012; Lahaye, et al. 2015; Jack and Suri, 2016; Dermiguc-Kunt et al, 2018; World Bank, 2018;). However, most of these studies assume that the current state of exclusion and lack of access to transformative financial services is a natural state in these communities. While socio-anthropological perspectives have helped to acknowledge the place of money in the socioeconomic lives of communities (Granovetter,1985; Callon, 1998; Zelizer, 1997; Comaroff and Comaroff, 2005; 2010; 2012; Maurer, 2008; Dodd, 2014), digital financial service innovations remain a bewilderment to many who attempts to understand them. Therefore, to examine the social life of mobile money, I gathered data for this qualitative study (in 2018 and 2019) in selected informal markets in Manzini where money supply and financial institutions are stable but inaccessible to many and Masvingo where liquidity constraints are the new order of the day. My qualitative analysis of the social life of mobile money from the global South is based on the in-depth interviews, photo voice and observational data sets. Drawing from a range of literature and my empirical data on the social cultural aspects of money, I argue that mobile money usage in the informal market spaces was articulated and imagined through existing social meanings, and it was used within specific socio-cultural constraints. The thesis presents this through an examination of four overarching themes; namely, mobile money sociality at the backdrop of informality and precarity, mechanisms of building trust and solidarity, the gendered layers of mobile money usage as well as the subtle, unscripted ways employed by participants to resist subjectification and full financialisation of their everyday lives. An important finding of this study is how mobile money continues to play a critical role in the ways through which these communities’ monetary repertoires are produced, historicised, and reproduced. Drawing on the evidence I gathered, I argue that, despite their assumed vulnerability, informal market participants were not docile adopters of mobile money but rather active constructors of their own digital money usage footprints in ways not envisaged by the service providers at inception. They showcased great ingenuity through their established cultural habits and sacred traditions on money use. Therefore, instead of taking assumed and imagined vulnerability as incapacitation and lack of agency, this study has implication for financial policy that focuses on the individual and mundane financial practices of the unbanked as critical for building transformative financial behaviours among this resourceful population segment. This research contributes to an understanding of how informal markets workers make sense of mobile money as they incorporate it in alignment with existing social meanings and existing financial practices at the backdrop of socio-economic precarity. Therefore, I bring new qualitative evidence and analysis from the global South to expand the definition of social life of digital money and financial inclusion (Ahmad et al., 2020). The study also highlights how the ubiquitous proliferation of mobile money and its intimate ties to the social lives of the participants has precipitated the rise of new forms of voluntary, freely given unwaged, immaterial labour which is unconsciously performed by the users as a collective.