Difference between revisions of "Semantic Sandbox"

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<div class="header-banner header-banner-country-portal">
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<div class="grid grid-collapse stretch-items vertical-middle">
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<div class="width-1-3 header-banner-image">
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<center>[[File:Header_Portal_Mozambique.svg|800px|link=]]</center>
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</div>
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<div class="width-1-3 header-text-large">
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<div class="">
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= '''Mozambique''' =
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= Off grid Knowledge Hub =
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</div>
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</div>
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<div class="width-1-3">
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<svgmap width="100%" color="#79d248" mark="mz" mark-color="#ffc714" flag="true" flag-size=""></svgmap>
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</div>
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</div>
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</div>
  
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= Off-grid energy Companies and Financial Institutions - Need for Collaboration =
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<div class="grid">
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<div class="width-3-4">
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== Country Information - Mozambique ==
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The '''Republic of Mozambique''' is located on the south-eastern coast of Africa and has a surface area of 801,590 square kilometres. It is bordered by South Africa, Swaziland, Zimbabwe, Zambia, Malawi, Tanzania, and separated by the Indian Ocean from Madagascar. The country is divided into ten provinces, and a provincial capital city. It is one of the poorest countries in the world, and the 7th poorest in Africa with a GDP per capita of USD 1281 (2019), a total GDP of USD 14.96 billion (2019), and an annual GDP growth of 3.11% (2018).  [[Mozambique- Country Information|Read more...]]
  
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= Introduction =
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<div class="grid stretch-items">
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<div class="width-1-3 box box-green">'''Background'''
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* [[Mozambique- Country Information|Country Profile]]
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* [[Mozambique Electricity Situation|Electricity Situation]]
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*[[Mozambique Renewable Energy Potential|Renewable Energy (RE) Potential]]
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* Energy Access Situation
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</div>
  
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Off-grid energy companies (OCEs) in this article refers to those companies in Africa that sell solar energy systems based on [[Fee-For-Service or Pay-As-You-Go Concepts for Photovoltaic Systems|PAYG model]]. These are the fastest growing companies with an average of 500 customers per day.&nbsp;
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<div class="width-1-3 box box-green">'''Institutional Set-up'''
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* [[Institutional Framework in Mozambique|Institutional Framework]]
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* [[Policy Framework and Energy Access Strategies in Mozambique|Policy Framework & Energy Access Strategies]]
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* Energy Access Programmes
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* Development Actors
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</div>
  
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== Natural Progression from Energy Provider to Consumer Finance ==
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<div class="width-1-3 box box-green">'''Cross-Cutting Issues'''
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* [[Doing Business in Mozambique]]
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* Humanitarian Energy-Nexus
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* Impact of COVID-19
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</div>
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</div>
  
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To increase their revenue and to keep ahead of competitiors, there is a natural tendeny for OECs to also provide secondary loans to existing customers, for activities such as buying a motobike or other appliances. For the secondary loans, the energy system will be switched off in case of failure to pay on time and the secondary assessts might also be repossesed.
 
  
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Along with added revenue, the other benefits of providing consumer finanance are:
 
  
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*For many customers in rural areas, buying energy services from OECs might be the '''first time they had access to financial services'''
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== Information on RE Technologies for Mozambique ==
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*PAYG also '''promote mobile transactions''' reducing tthe transaction cost.
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<div class="grid grid-collapse portals-wrapper">
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<div class="width-1-1">
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<div class="portals cross-cutting-issues">
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<div class="portal">[[file:icon-solar.svg|150px|link=Portal:Solar|]]<br />[[Mozambique Solar Hub|Solar Home Systems]]</div>
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<div class="portal">[[file:icon-cooking.svg|150px|link=Portal:Cooking|]]<br />[[Mozambique Cooking Energy Hub|Improved Cookstoves]]</div>
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<div class="portal">[[file:icon-mini-grid.svg|100px|link=Portal:Mini-grid|]]<br />[[Mozambique Mini-grid Hub|Mini/Nano grid]]</div>
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<div class="portal">[[file:icon-productive-use.svg|100px|link=Portal:Productive Use|]]<br />Productive Uses of Energy</div>
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</div>
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</div>
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</div>
  
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<br/>
 
  
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However, OCEs companies are not financial institutions and in many countries they are not allowed to offer secondary loans. Therefore, there is a need as well as opportunity for successfull collaboration between OECs and Financial institutions.
 
  
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<div class="specials">
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== Highlights ==
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<div class="grid stretch-items">
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<div class="width-1-2 width-m-1-2 card">[[file:Webinar icon3.svg|50px]] [https://register.gotowebinar.com/register/1648663127925031180 State of Play: Solar home system (SHS) Market in Mozambiques]</div>
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<div class="width-1-2 width-m-1-2 card">[[file:Sample-2.jpg]] [[Portal:Mozambique|Help Manual on how to contribute to the hub]]</div>
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</div>
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</div>
  
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== Resources of Off-grid Energy Companies and Financial Institutions ==
 
  
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The table below shows the simplified analysis of the resources of off-grid energy companies and financial institutions.
 
  
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{| border="0" cellspacing="1" cellpadding="5" style="width: 100%;"
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== Mozambique Off-grid Practitioners Group ==
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|-
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<div class="grid grid-collapse">
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| <br/>
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<div class="width-1-2">{{Mozambique Group}}</div>
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| style="background-color: rgb(79, 129, 189);" | <span style="color: rgb(255,255,255)">'''Off-grid Energy Companies'''</span>
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<div class="width-1-2">[[File:Ask_a_question.svg|link=|alt=|center|150x150px]]<div class="button-link" style="display: inline-block">[[Group talk:Mozambique Off-grid Practitioners Group|Ask a question]]</div>[[File:Moz_Group.svg|link=|alt=|center|150x150px]]<br/>
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| style="text-align: center; background-color: rgb(79, 129, 189);" | <span style="color: rgb(255,255,255)">'''Financial Institution'''</span>
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<div class="button-link" style="display: inline-block">[[Group:Mozambique Off-grid Practitioners Group|Join the Mozambique Off-grid Practitioners Group]]</div>
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|-
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</div>
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| rowspan="6" style="background-color: rgb(219,229,241)" | '''Assets'''
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</div>
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| style="width: 106px;" | Agent network
 
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| style="width: 324px; text-align: center;" | Branch network
 
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|-
 
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| rowspan="1" colspan="2" style="text-align: center; width: 530px;" | IT system for account management<br/>
 
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|-
 
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| rowspan="1" colspan="2" style="text-align: center; width: 530px;" | customer relationship<br/>
 
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| style="width: 324px;" | Cloud-based customer relation management (CRM) systems
 
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| style="width: 200px; text-align: center;" | banking expertise
 
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|-
 
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| style="width: 324px;" | Leverage over customers
 
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| style="width: 200px; text-align: center;" | credit assessment
 
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|-
 
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| style="width: 324px;" | <br/>
 
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| style="width: 200px; text-align: center;" | banking license
 
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|-
 
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| rowspan="3" style="background-color: rgb(219,229,241)" | '''Financial products'''
 
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| style="text-align: center;" rowspan="1" colspan="2" | Loans<br/>
 
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|
 
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| style="text-align: center;" | Saving accounts
 
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|-
 
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| style="text-align: center;" | Money transfer services
 
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|-
 
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| style="background-color: rgb(219,229,241)" | '''key strengths'''
 
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| Ability to reach lower-income populations at scale, profitably with financial services
 
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| style="text-align: center;" | Banking license and know -how
 
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|-
 
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| style="background-color: rgb(219,229,241)" | '''key weakness'''
 
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| banking license and know-how
 
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| style="text-align: center;" | Ability to reach lower-income populations at scale, profitably, with financial services
 
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|}
 
  
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<br/>
 
  
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== Challenges for the OECS ==
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== Latest Articles on Mozambique ==
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<div class="grid stretch-items">
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<div class="width-1-3 box">[[Mozambique_Energy_Situation|Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam nonumy eirmod tempor ]]</div>
  
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== Large Portfolio of loans ==
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<div class="width-1-3 box">[[Mozambique_Energy_Situation|Lorem ipsum dolor sit amet, consetetur sadipscing elitr]]</div>
  
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Most of the OECs started out as energy system retailers but with PAYG model have amassed a large portfolio of loans. Managing these large portfolio of loans is outside their core competence and requires skilled financial capabilities. The loan also has to be refinanced. For example, if an installed system cost on average USD 150, then to reach 1 million consumers, the sector will have to raise around USD 150 million in consumer loans.
 
  
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will have to be raised in consumer loans and as the sector expands the amount in consumer loan will also increase.
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</div>
  
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= Foreign exchange Risk =
 
  
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Most of the consumer loan are in the local currency while the capital to finance OECs is raised in hard currency such as USD or Euro:> greater risk in the system
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== Funding ==
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<div class="grid">
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<div class="width-1-2 box" style="background: none; ">[[file:logo-giz.png|280px|link=https://giz.de/en]] </div>
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<div class="width-1-2 box" style="background: none; ">[[File:EnDev-Logo NEW.PNG|240px|link=https://endev.info]]</div>
  
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= Lack of expertise to handle consumer loan portfolios =
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This portal is funded and developed in collaboration with the GIZ programmes Green People’s Energy for Africa and Energising Development Mozambique to enhance knowledge exchange and sharing among the Mozambican energy practitioners.
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</div>
  
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Potential of merging between oecs and financial institutions.
 
  
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<br/>
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</div><!-- End .width-3-4 -->
  
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Oecs have ideal small loan delivery channel with highly automated, cashless accounting and significant leverage over the borrower. In a nutshell, they have the infrastructure in place to effectively manage small loans offered to a relatively remote and unknown customers.these factors also contribute to their high repayment rates as opposed to what the borrower's profile might suggest.
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<div class="width-1-4">
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<div class="hidden-element">
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On the other hand they lack large scale funding at a reasonable cost and the abilities to manage a portfolio of loans.
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== Offers == <!-- Keep this for screenreaders -->
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</div>
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They offer to increase the Bank's customer base but it will depend on the bank's ability to profitable serve those customers or not.
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<div class="box offers">{{MozBoxnews}}</div>
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<div class="box offers">{{Boxpublications}}</div>
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<br/>
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<div class="box offers">{{Boxcompanies}}</div>
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{{Connect_with_us}}
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</div>
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</div>
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__NOTOC__ __NOEDITSECTION__ __NOTITLE__
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= Reference =
 
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This article is based on the following publications
 

Latest revision as of 18:38, 12 September 2021

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Mozambique

Off grid Knowledge Hub

Simple World Map - Author: Al MacDonald Editor: Fritz Lekschas License: CC BY-SA 3.0 ID: ISO 3166-1 or "_[a-zA-Z]" if an ISO code is not available
flag

Country Information - Mozambique

The Republic of Mozambique is located on the south-eastern coast of Africa and has a surface area of 801,590 square kilometres. It is bordered by South Africa, Swaziland, Zimbabwe, Zambia, Malawi, Tanzania, and separated by the Indian Ocean from Madagascar. The country is divided into ten provinces, and a provincial capital city. It is one of the poorest countries in the world, and the 7th poorest in Africa with a GDP per capita of USD 1281 (2019), a total GDP of USD 14.96 billion (2019), and an annual GDP growth of 3.11% (2018). Read more...

Background
Institutional Set-up
Cross-Cutting Issues


Information on RE Technologies for Mozambique

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Solar Home Systems
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Improved Cookstoves
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Mini/Nano grid
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Productive Uses of Energy


Highlights

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State of Play: Solar home system (SHS) Market in Mozambiques
Sample-2.jpg Help Manual on how to contribute to the hub


Mozambique Off-grid Practitioners Group

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Ask a question
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Join the Mozambique Off-grid Practitioners Group


Latest Articles on Mozambique

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Lorem ipsum dolor sit amet, consetetur sadipscing elitr



Funding

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This portal is funded and developed in collaboration with the GIZ programmes Green People’s Energy for Africa and Energising Development Mozambique to enhance knowledge exchange and sharing among the Mozambican energy practitioners.


Offers

Sector News

add Add News segment All News

Publications

add Add Publication segment All Publications

Companies

add Add Company segment All Companies
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