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Designing working-capital access for informal businesses

Help informal-sector businesses access capital for daily operations.

My role
Chief Technology Officer, Lockwood Technology
Period
2017 — 2022
Market
Tanzania
01 / RESPONSIBILITY & CHALLENGE

Work

I developed Mwendopesa as a lending product for people operating in the informal sector, including bodaboda riders and Mama Lisha vendors. The focus was access to working capital for daily business activity, supported by a digital experience suited to those customers.

02 / HOW I CARRIED IT OUT

Execution

  1. Translate the market need into a product

    Shaped a lending solution around the day-to-day capital needs of informal-sector businesses.

  2. Deliver the customer and operations channels

    Developed the app and its supporting dashboard and USSD functionality, as described in the supplied project feedback.

  3. Coordinate implementation

    Led the technology and product work required to turn the lending concept into a usable platform.

03 / WHAT CHANGED OR WAS DELIVERED

Results

  • Delivered the Mwendopesa lending product and its app, dashboard, and USSD channels.
  • Created a channel through which bodaboda riders and other informal-sector customers could access working capital.
  • Client feedback highlighted the platform’s usefulness in supporting essential working capital.

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