World
More People Worldwide are Opening Bank Accounts
KEN SWEET, AP Business Writer
NEW YORK (AP) — Africans using cellphones, older Chinese, and Indians getting a push from their government have fueled an unprecedented surge of people opening their first bank accounts.
The number people with an account — either on mobile phones or at bank branches — jumped by 700 million between 2011 and 2014, the World Bank said Wednesday.
The rise in new worldwide accounts has been driven by the spread of cellphones throughout areas like sub-Saharan Africa, where a bank could be miles away, and by strong economic growth in Asia.
A bank or payment account is a gateway for people to integrate into modern society. Without an account, goods cannot be bought online, money has to be transferred physically, and savings cannot be stored safely. Remittances, where people send cash home to family, becomes expensive and time consuming.
“It’s the first step of getting into the world’s financial system,” says Asli Demirguc-Kunt, who directs research at the World Bank and co-authored its 2014 Global Findex Survey. “Basic financial services can help people save and lift themselves out of poverty and take control of their finances.”
Now, 62 percent of the world’s adult population has some sort of bank or payment account compared with 51 percent in 2011.
Mobile payment accounts are especially popular in Africa, where nearly 12 percent of the population has a mobile account compared with 2 percent worldwide, according to the World Bank. Overall account ownership in Africa rose from 24 percent in 2011 to 34 percent in 2014, largely driven by the wider use of devices.
In Kenya, the number of people with bank or payment accounts has nearly doubled in three years, with almost all the growth coming from mobile accounts. Now, nearly 80 percent of the country’s 44 million people have access to basic financial services. Tanzania and Uganda also saw a surge in accounts. More than half of farmers in the three African countries are using mobile accounts to sell their goods.
In five African countries — Ivory Coast, Somalia, Tanzania, Uganda and Zimbabwe — more adults have mobile money accounts than traditional bank accounts.
In India, account ownership has risen by 18 percentage points in three years to 53 percent. A big part of that increase is due to an Indian government program that aims to get every household to open an account. The World Bank estimates that the program spurred 125 million new accounts in four months.
Chinese account ownership also rose sharply to 79 percent in 2014 from 64 percent in 2011, with most of the growth coming from people living in rural areas as well as from older adults.
Other key takeaways on worldwide bank accounts:
— WOMEN LAG MEN:
The World Bank says 58 percent of women have an account, up from 47 percent in 2011, while 65 percent of men have a bank account, up from 54 percent in 2011. That 7 percentage point gap between the genders is consistent with the last World Bank survey, in 2011. Account ownership among women is particularly low in the Middle East, where women are half as likely to have an account. However, the gap between women and men decreased when the World Bank only considered wage-earning women.
“As women’s participation in the labor force rises, that will be one way to close the gap between women and men,” says Leora Klapper, lead economist and co-author of the Global Findex report.
Female account ownership is important because it can provide a separate, safe place for women to store savings and allows them to make their own spending decisions, Klapper says.
— A JUMP IN DEVELOPING WORLD ACCOUNTS
In the developing world, account ownership rose by 13 percentage points between 2011 and 2014. However, it still lags the developed world significantly. In the developed world, 94 percent of adults have a bank or payment account compared to 54 percent in the developing world.
— NUMBER OF ‘UNBANKED’ DROPS
In 2011, the number of adults without bank accounts totaled 2.5 billion worldwide. Now it’s 2 billion, a 20 percent fall.
— THE SURVEY:
The World Bank and Gallup surveyed nearly 150,000 people in 143 countries and territories. The survey period varied from country to country, with some interviews done as early as February 2014 and some as late as December 2014, using both phone and in-face interviews. The margin for error varied by country, and was as low as 2.2 percent in China to as high as 5.2 percent in the U.S. territory of Puerto Rico.
This is the second time the World Bank has done this survey. The original Global Findex survey was published in 2012, using 2011 data.
Copyright 2015 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.
Activism
South African Solidarity Committee Hosts 31st Annual Celebration
“We’re all together for each other celebrating 31 years of building international solidarity between the people of the United States and South Africa toward the implementation of the 1955 Freedom Charter and 2030 Sustainable Development Goals,” said COSAS Operations Manager Nicole Richards.Located in Berkeley, COSAS is dedicated to the continuing struggle by the people of South Africa’s need for independence.
By Carla Thomas
The Committee of South African Solidarity (COSAS) celebrated its 31st anniversary on Saturday, Oct. 26 at the East Bay Church of Religious Science in Oakland.
Themed “Ubuntu,” a word in Zulu and Xhosa, which means “I am because we are,” the event brought together supporters and community members.
“We’re all together for each other celebrating 31 years of building international solidarity between the people of the United States and South Africa toward the implementation of the 1955 Freedom Charter and 2030 Sustainable Development Goals,” said COSAS Operations Manager Nicole Richards.
Located in Berkeley, COSAS is dedicated to the continuing struggle by the people of South Africa’s need for independence.
A soulful meal was prepared by Chef Rene Johnson and Blackberry Soul Catering along with live entertainment and speakers.
COSAS is an all-volunteer, private membership organization, made up of South Africans, Africans, students, professionals, clergy and others committed to building solidarity between the working people of the U.S. and the South African people still struggling for economic and political freedom.
Formed in 1993, the organization promotes the “real nature” of the changes and struggles taking place in South Africa and the African continent, according to Richards.
“COSAS counters ‘disinformation’ and ‘misinformation’ in the U.S. and Western mainstream media that creates division and distrust,” Richards said. “We produce the South African Beacon and organize and transport solidarity shipments of school supplies to South African grade schools requesting assistance,” Richards said.
According to organizers, COSAS is completely run by volunteers, free from the corporate and government agendas that continue to keep South Africa dependent on the West.
“We rely on the support of concerned individuals. Call us today about how you can get involved by sorting and packing supplies, donating office equipment, and supporting special events,” said Richards.
Earlier in the year, COSAS hosted its World Affairs film showing at Downs Memorial United Methodist Church. The screening featured a short film, “Feeding a Crisis: Africa’s Manufactured Hunger Pandemic,” exploring the hunger challenges African countries face and approaches to resolving the issues.
Contact the Committee for South African Solidarity, 1837 Alcatraz Ave., Berkeley, CA, 510-251-0998 for volunteer opportunities and event information.
Community
How Mobihealth Drives a Telemedicine Revolution in Africa
As a child growing up in northern Nigeria, Dr. Funmi Adewara experienced a severe hand injury that required multiple surgeries and frequent hospital visits. These visits exposed her to the harsh realities of the country’s healthcare system. “I remember sitting in overcrowded waiting rooms, watching doctors stretched thin, unable to meet the needs of so many patients,” Adewara recalls. This formative experience ignited her passion for transforming healthcare in Africa.
By Ifeanyi Abraham
CNN
As a child growing up in northern Nigeria, Dr. Funmi Adewara experienced a severe hand injury that required multiple surgeries and frequent hospital visits.
These visits exposed her to the harsh realities of the country’s healthcare system. “I remember sitting in overcrowded waiting rooms, watching doctors stretched thin, unable to meet the needs of so many patients,” Adewara recalls.
This formative experience ignited her passion for transforming healthcare in Africa.
Growing up with a mother who worked as a nurse, Adewara’s understanding of healthcare challenges deepened through her mother’s stories.
“I knew early on that healthcare wasn’t a privilege — it was a necessity, and I wanted to be part of changing the system,” she explains.
After training as a physician, Adewara worked for 15 years in the United Kingdom’s National Health Service before founding the telemedicine platform Mobihealth in 2017.
Since its launch, Mobihealth has impacted thousands of lives, connecting patients with doctors and healthcare professionals across Nigeria and beyond.
The platform has 20 integrated telehealth clinics that offer remote consultations, diagnostics, and access to specialist care via digital health tools. Located primarily in Nigeria, these clinics are accessible to patients through various subscription plans and are often financed through partnerships with global donor organizations and private donors.
In addition to the clinics, Mobihealth has partnerships with over 200 hospitals, labs, and pharmacies, Adewara says.
The company has earned global recognition, including a $1 million grant from the U.S. Trade and Development Agency in 2022. Adewara was also one of the World Bank’s seven 2020 Sustainable Development Goals & Her award winners, selected from over 2,400 entries worldwide.
Connecting Rural Patients
Across sub-Saharan Africa, millions struggle to access basic healthcare. According to the World Health Organization, the region bears 25% of the global disease burden but has only 3% of the world’s healthcare workers.
“In rural Africa, a trip to the nearest hospital can mean the difference between life and death,” says Adewara.
Mobihealth’s latest initiative offers healthcare for $1 a month for rural and underserved populations. It allows Africans in the diaspora — and global supporters — to sponsor essential services like doctor consultations, diagnostic tests, and access to telemedicine clinics.
The scheme is not solely based on donations; individuals can also subscribe to the service for themselves.
“Healthcare systems across Africa are under immense pressure,” Adewara explains. “Our initiative is a direct response, using technology to connect rural patients with doctors thousands of miles away.”
For Adewara, Mobihealth’s telemedicine platform is not a temporary fix; it represents the future of healthcare in Africa.
“This is about creating a resilient, sustainable and inclusive system, where people, no matter where they are, can access the care they need,” she says.
“Telemedicine brings doctors to people, wherever they may be. By integrating AI and remote monitoring, we are improving the speed and accuracy of care, saving lives in the process,” she adds.
A number of African companies provide telemedicine services, but researchers have pointed out that there are obstacles that could hinder the growth of telemedicine in the continent.
Rural areas can have an unreliable electricity supply and poor internet connectivity, and there is often a lack of government policies and funding around virtual healthcare.
“A Healthcare System for the Future”
Adewara envisions scaling her company’s model to reach millions more across Africa, particularly in countries like Ghana, Kenya, and Ivory Coast.
“Our work is just beginning,” she says. “We are building a healthcare system for the future — one that is resilient, inclusive and capable of meeting Africa’s growing population’s needs.”
However, partnerships are crucial to achieving this vision. “We can’t do this alone. Our collaborations with the African diaspora, hospitals, governments, and international organizations allow us to reach more people and ensure that healthcare is affordable, efficient and accessible,” Adewara adds.
Activism
Atty General Rob Bonta Joins Coalition Backing Pres. Biden’s Migrant Parole Program
“The Biden Administration’s CHNV Parole Program provides a safe pathway to apply for protection for Cuban, Haitian, Nicaraguan, or Venezuelan migrants fleeing violence and upheaval. We urge the court to uphold this program that creates orderly processes for people fleeing humanitarian crises to lawfully reach the United States,” said California Attorney General Rob Bonta. The federal government has exercised its authority under the Immigration and Nationality Act to parole migrants into the country for humanitarian purposes since the Eisenhower Administration.
By Bo Tefu, California Black Media
Attorney General Rob Bonta joined a multistate coalition of 18 attorneys general to write an amicus brief supporting President Joe Bidens’s Parole Program for migrants fleeing violence.
The multistate coalition will submit the brief to the Fifth Circuit Court of Appeals regarding the case Texas v. U.S. Department of Homeland Security. The brief endorses Biden’s Parole Program for Cubans, Haitians, Nicaraguans, and Venezuelans (CHNV Parole Program). The migrant parole program allows individuals from the four countries to apply for advance travel authorization. Migrants can be considered for temporary humanitarian parole of up to two years including employment authorization.
The coalition highlighted California’s interest in maintaining the federal government’s discretionary power granting migrants entry or allowing immigrants to stay on humanitarian grounds.
“In California, we believe that migrants escaping violence should be treated with compassion and dignity, and immigration parole programs are a crucial part of a just and secure immigration system,” said Bonta.
“The Biden Administration’s CHNV Parole Program provides a safe pathway to apply for protection for Cuban, Haitian, Nicaraguan, or Venezuelan migrants fleeing violence and upheaval. We urge the court to uphold this program that creates orderly processes for people fleeing humanitarian crises to lawfully reach the United States,” he said.
The federal government has exercised its authority under the Immigration and Nationality Act to parole migrants into the country for humanitarian purposes since the Eisenhower Administration.
The coalition argued that the lawsuit in Texas threatened to undermine the federal government’s authority to establish crucial programs that help migrants escape unstable circumstances in their home countries.
The coalition stated that parole provides safe, legal, and orderly pathways for people to seek protection in the United States.
However, opponents claim that parole pathways help increase crime and impose costs on states.
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