The Poor are not Stupid; They are Just Poor: Findings from a Study on the Impact of Pure Mobile Micro-Financing on the Poor

“Musoni stands for “Mobile Future.” The MFI offers 100% mobile phone-based services enabling loan applicants to receive their money to their mobile phone within 72 hours of application and repay it anytime with mobile money. For cash-in-cash-out services, Musoni rides on the M-Pesa agent network. M-Pesa (M for “Mobile” and Pesa for “Money”) is the revolutionary money transfer service offered by Safaricom in Kenya, well documented in the book Money, Real Quick: Kenya’s Disruptive Mobile Money Innovation.”

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