Mobile Money Ecosystem in Somalia

Gender

Women’s employment prospects are comparatively lower than those of men. Housework is overwhelmingly taken care of by women. Women are more likely to be unemployed than men, and, thus, are more likely to rely on savings and investments, as well as on aid, remittances and subsidies

Women are more likely to manage higher proportions of household finances than men

Purchases and financial decisions, however, are primarily a responsibility of the husband. Women have a limited role in financial decision-making

A majority of women keep and control less than half of what they earn 

However, there are signs that the traditional gender roles might be changing, as women are assuming more prominent roles in their communities and are now in a better position to start a business

Mobile money penetration for women is high (80% own a mobile money account), which has the potential of closing gender gaps in Somalia.

Barriers to women’s adoption of mobile money remain; but those barriers are not dissimilar to those faced by men, although they are more severe

A large share of women feel more financially independent and able to access more opportunities thanks to mobile money. However, women’s perceptions of increased financial independence associated with mobile money usage is not yet accompanied by an actual shift in the household role distribution or household decision-making

Mobile money might have also had indirect negative effects on household dynamics as one out of five female mobile money subscribers reported that mobile money had negatively affected their relationship with their husband

Share of women in data
Marital status of women
Gender by occupation
Gender by income source
What the head of household does with the money
Which portion of the household money is managed by men/women
Whether women can keep and control the money they earn
Who is typically responsible within the household, by tasks
Whether people think labour division is fair - Men
Whether people think labour division is fair - Women
Perception on the evolution of gender norms - Role of women has changed and gender inequalities have been reduced
Perception on the evolution of gender norms
Husband checks wife’s/wives’ mobile money account- Husband PoV
Husband checks wife’s/wives’ mobile money account- Wife PoV
Whether mobile money has negatively affected the relationship with the husband
Financial changes experienced since starting using mobile money
Perceptions on mobile money – to what extent do you agree that, with mobile money, it is easier to:
Perceptions on mobile money – to what extent do you agree that, with mobile money, it is easier to:
Barriers faced when subscribing to mobile money - women
Barriers faced when subscribing to mobile money - men
Mobile money penetration rates by gender