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