1. Inclusive Business Model Impact Evaluation of an innovative distribution channel in Kinshasa- DRC Lisbon, March 2014

3. Source: Company website – Investor Relations

4. Americas Asia-Pacific
North East Europe
Western Europe
Americas Asia-Pacific
Near & Middle East
Greater Africa

5. Bel Access vision is to position Bel as a recognized inclusive business leader by contributing to reach 1 billion consumers by 2020 and maximizing our social impact
Bel Access mission is to make the Group offer accessible to lower income consumers all around the world
Bel Access operates as a Business Unit incubator to initiate or support inclusive business models throughout the whole value chain

6. Informal sector and street vendors: challenges to overcome – the case of Kinshasa
In Kinshasa, there are more food street vendors than shops and no brands are investing the channel
A large majority of street vendors are women in Kinshasa : 95% of the street vendors are women
Low education / entrepreneur / selling skills:
Lowest of all the institutional sectors except agriculture: only 15.7% have completed at least upper secondary school (79.3% in the public sector). More than 90% of the street vendors do not have any vocational training or school certificate. Nevertheless, only 2% of street vendors have never attended to school.
Lack of access to social services:
The large majority of street vendors are migrant population living in the city for 5 to 10 years without being registered. Indeed, they do not have access to public social services (heath insurance, access to credit, training…)
And difficulties to look at the future with optimism…
51% of informal households businesses indicate that they encounter problems when it comes to running their business

7. Sharing Cities platform: Social impact and partnership approach
SOCIAL IMPACT PLATFORM:
HOLISTIC & PARTNERSHIP APPROACH
Capacity-building
Tailored made training for street vendors (hygiene, micro-entrepreneurship…)
Ecosystem
Improve their environment (lobbying, PR, public sector involvement)
Access to credit
Buy new products, equipment, micro-franchises, etc.
Street vending
Access to insurance
Buy new affordable and efficient products answering their specific needs.
Access to market
Support vendors to access new market opportunities while modernizing their offer
Formality
Integration to the formal sector: taxation, social security access, migrant registration in the cities,…

9. BEL ACCESS MODEL IN KINSHASA
1. OFFER THE GOODNESS OF THE MILK TO THE LARGEST POPULATION
2. INCREASE WOMEN INCOME THROUGH SOCIAL INCENTIVES
3. MAXIMIZE THE SOCIAL BENEFITS FOR THE WOMEN

10. BEL ACCESS MODEL IN KINSHASA – OUTCOMES OF INTEREST
PROFITABILITY
2. PRODUCTIVITY
3. JOB CREATION
4. HEALTH SAVINGS

11. Bel’s Route-to-Market in Kinshasa
Basic Route-to-Market"
BEL GROUP
LOCAL DISTRIBUTOR
WHOLESALERS
CONSUMERS
GROCERY STORES
SEMI - WHOLESALERS

12. Bel’s Route-to-Market in Kinshasa
Mamas Mapas Route-to-Market"
BEL GROUP
LOCAL DISTRIBUTOR
MAMAS MAPAS
Better coverage of population
Better control of the key messages to consumers
Better insights from consumers
Additional sales margin to Mamas Mapas
CONSUMERS

13. Mamas Mapas Focus Groups, feb 2014, 100 MM
Key Data
Main concerns
28,000 bread sellers in 2013
Purchasing from 3 Industrial bakeries
Avg income : $380/month
Avg working hours : 13hrs/day, 6,5days/week ($1/hr)
Avg profile : age 41 / main source of revenue for the household / 4.1 children
Kids education (91%)
Aspiration to find ways for growing their business (72%)
Personal independence vs. intimate partner// consistency of incomes (70%)
51% of informal households businesses indicate that they encounter problems when it comes to running their business

14. POTENTIAL INTERVENTION TO ADDRESS EXPRESSED NEEDS
PHASE 1
WAYS TO GROW THEIR BUSINESSES
BUSINESS DEVELOPMENT HANDS-ON TRAINING
KIDS’ EDUCATION
ACCESS TO BANKING SERVICES
PHASE 2
FINANCIAL INDEPENDENCE vs IP
HEALTH INSURANCE

15. INTERVENTION DETAILS 1/2 TRAINING
WHY PROVIDING THIS TRAINING
Outcome of Focus Group shows that 70% of participants aspire to develop their business but doesn’t know how to do it
WHAT’S INSIDE THE TRAINING
How to lean their incomes overtime (fight seasonality effects) and better manage their cash-flows & stocks
Hands-on program on different aspects of how to switch from street-selling to openning a shop
HOW TO ROLL OUT
Design training costs
Identify a pool of Mamas who want this training
Then select randomly to which provide the training (Incentive package to a treatment group vs Control group without package)
MONITORING RESULTS
Sales & Income
Productivity
# of shops opened
# of jobs created
Quarterly

16. INTERVENTION DETAILS – 2/2
Bank Savings
Extra Bonus for bank account subscribtions
Selection through lottery
Respond to their need of growing their business
Health Insurance
Actual condition often leads to health problems
Design a tailored-made insurance product in partnership with local insurance companies
Outcome : Savings on health expenses
PHASE 2

17. IMPACT EVALUATION DESIGN
UNDERSTAND THE COMMUNITY
DESIGN THE STUDY
DESIGN THE PROTOCOL DATA*
MEASURE IMPACT
IMPACT EVALUATION DESIGN
DONE THROUGH FOCUS GROUP
3 TREATMENT GROUPS
1 CONTROL GROUP
QUARTERLY FOLLOW-UP OVER 24 MONTHS
PROFITABILITY
JOB CREATION
PRODUCTIVITY
* 1. Baseline Survery / 2. Periodic Data Collection (quarterly) / 3. End Line Survey (how both groups are changing overtime)

18. À compléter RANDOMIZATION FACTORS : Age Marital situation
# of children
Typology of street selling : fixed or mobile
Income level
1 CONTROL GROUP (incl ppl not selling LVQR)
3 TREATMENT GROUPS : 1 HEALTH INSURANCE – 1 TRAINING – 1 COMBINED REGULAR MONITORING – how often?
KPIS TO FOLLOW :
LVQR sales
Global income
Satisfaction
Pride / Self-esteem
Happiness
Aspirations for them and for children
Productivity
Children education
Health condition
Product range sold
Social effect
Bancarisation

19. EXPECTED PROGRAM BENEFITS
BUSINESS GROWTH THROUGH FORMAL SECTOR
SALES INCREASE
FORMAL HIRING
SOCIAL EFFECT
CREATION OF NEW ASPIRATION
EFFICIENT TRAINING
FIGHT AGAINST POVERTY & UNEMPLOYMENT THROUGH FORMALISATION

20. Kinshasa Model 3 year’s plan
Scale
9.000 street-vendors
Business Opportunities
40% of local business through this distribution channel
Social Platform
1.000 people trained in the « business schools for street vendors »
3.000 vendors benefiting from micro-insurance
Increase by 25% of the vendors’ revenues
Innovative Financing
Partnerships with international organizations
51% of informal households businesses indicate that they encounter problems when it comes to running their business

21. Thank you