Post on 20-Aug-2015
A STUDY OF RISK & SAVINGS IN AFGHANISTAN
IN THE
JAN CHIPCHASE MARK ROLSTON CARA SILVER
HANDS OF GOD
OPPORTUNITY
financial inclusionmobile money > savings
research boundaries
OPPORTUNITY
explore attitudes to risk & savingsbroader ecosystem
how a new saving’s product would be positioned & communicated
CONFLICT
available insightwithin the organisation
self-doubt
EMOTIONAL ROLLER COASTER
EMOTIONAL ROLLER COASTER
EMOTIONAL ROLLER COASTER
EMOTIONAL ROLLER COASTER
APPROACH
3 x researchers + 5 local fixers & guides + drivers
TEAM
SALARIED PARTICIPANTS
METHODS
METHODS
BIASES & OMISSIONS
CHALLENGES
WITHIN THE COUNTRY
offices & homesstreets, retail, college
street & hawala markets
WITHIN CITIES
degrees of conservatismsocial pressure on local female guides
dress code
social rules(and who can break them)
EXTREME GENDER DYNAMICS
[lets put it in context]
SECURITY
[lets put it in context]
low-profilesufficiently trusted local crew
local transportpriming social contextssituational awareness
SECURITY
move with intentneutral clothes
situational awarenessneutralise self as threatno visible items of value
carefully target first contact to prime otherstap local guides
MITIGATING RISK
PRIMING ASOCIAL BEHAVIOUR
$200,000
$200,000
(the starting price point for facilitating a kidnap)
$200,000
(the starting price point for facilitating a kidnap)
(which is why you work on building trust with your local crew)
$200,000
(the starting price point for facilitating a kidnap)
(which is why you work on building trust with your local crew)
(which is why your local crew work on building trust with you)
TALKING ABOUT MONEY
TALKING ABOUT BRIBERY
THOUGHTS
GOATS, GRAIN, GOLD, LAND
lottery spot
employer contribution Shari’ah Law
REWARDS/INCENTIVES FOR SAVING
“IN MY LIFETIME”
planned ISAF & US withdrawaltouched by the war
rule of lawTaliban rule
civil warSoviet invasion
“IN MY LIFETIME”
?planned ISAF & US withdrawal
touched by the warrule of law
Taliban rulecivil war
Soviet invasion
PREDICTABILITY OF LIFE (& DEATH) EVENTS
INTERTWINED FAMILY LIVES
INTERTWINED FAMILY LIVES
INTERTWINED FAMILY LIVES
INTERTWINED FAMILY LIVES
INTERTWINED FAMILY LIVES
A CULTURE OF CONTRIBUTION
portfoliohow, where, when people withdraw
whom to invite to the weddingcompulsory car insurance vs bribe
RISK AVERSION STRATEGIES
NEGOTIATION STRATEGIES
SUMMARY
identitybankingmarriage
...
“tomorrow is hard to believe in”
CLOSING
out of gods hands
THANKS