L'île Maurice - Projet de création d'entreprise

Décrivez votre projet en quelques mots

Mofinans is a fintech learning chatbot that empowers impaired women in community workshops to manage their budget on a daily basis. It equips them with tools and practices to foster their financial inclusion so they can reduce their dependency on others.

01.01 Décrivez votre projet en détail

Let's say you’re an impaired businesswoman and you need to fix a problem to improve something. Your mind is already troubled with social stigma and yet you want to cultivate the habit of mindful spending. You want to be able to consciously manage your expenses and become a better steward of your resources, a better version of yourself at your own pace, with similar minds sharing the same collective vision at proximity. And for that, nothing works better than a community workshop. Our workshop is like a suitcase that packs humans and machine learning where financial inclusion instructions are uploaded to your brain that you can put in practice the next day to shape your life according to your means. Getting it where you want, how you want it, is our challenge and we have a mapping system that stems from an IKIGAI alignment. Therefore through our project, we aim to develop a solution that addresses your own needs first to then pass it on and empower more like you.

01.02 Quel est le problème principal que vous essayez de résoudre ?

Problem Statement for the Current System: More than 70% of Mauritians actively use social media and messaging platforms like Facebook and yet, we still need to address the behavior design of impaired minority group users related to finance and technology. And despite the proliferation of smartphones, a 2022 Fintech Survey says only 17% of households report using dedicated budgeting apps on a regular basis, of which only 3% are women with no official statistics for the impaired. Our Framing Question: What are the forces that prevent our impaired businesswomen to foster financial inclusion using simple fintech tools to manage their day to day lives? Reframing Problems into Opportunities: HOW MIGHT WE facilitate the lives of impaired women entrepreneurs to easily manage financial records on smartphone in order for them to address their financial inclusion and become valuable assets to our economy?

01.03 Dites-nous quels sont les principaux avantages et/ou bénéfices de l'utilisation du produit/service que vous souhaitez fournir par votre projet (au moins 3).

Conversational interface for logging expenses and income through natural language Integration with telegram (then messenger then later whatsapp) for seamless usage within a familiar platform Data storage and analysis capabilities leveraging Google Sheets Customizable categories and tags for better expense tracking Budgeting tools and goal-setting for conscious money management Analytics and visualizations to identify spending patterns and areas for improvement

01.04 Veuillez décrire précisément à qui s'adressera le produit/service de votre projet. Quels sont les bénéficiaires visés ?

Individuals and aspiring marginalized women entrepreneurs with disabilities

01.05 Quand avez-vous commencé à travailler sur votre projet ?

04/04/2022

01.06 Combien y a-t-il de propriétaires sur votre projet en plus de vous ?

5

01.07 Parmi les autres propriétaires, combien sont des femmes ?

3

01.08 Veuillez décrire le profil des autres propriétaires de votre projet (compétences, expérience, etc.).

Our shared vision stems from an IKIGAI alignment. In the quest to illuminate the path of financial literacy, a team of compassionate warriors emerges, each driven by a unique calling to serve the underserved. Jacqueline, a beacon in the fight against social injustice, partners with NGOs, her voice a clarion call for first aiders. Mireille navigates the stormy seas of poverty, ensuring no child is denied the adventure of scouting due to financial constraints. Samela, a guardian of the voiceless, dedicates herself to NGOs caring for stray and mistreated dogs, her actions a testament to the interconnectedness of all life. Sheran is a UN Volunteer who supports NGOs rehabilitating substance abusers, her journey a beacon of hope amidst the darkness of addiction. Nitish, the team's anchor, leads the team with a resolve forged from witnessing a loved one's struggle with social stigmata due to disability. Together, they weave hope, their stories a symphony of resilience and transformation.

01.09 Si vous avez un site web, une page sur les médias sociaux (Facebook, Instagram, Linkedin...) ou une application, veuillez fournir le(s) lien(s) ici :

https://www.facebook.com/mofinans

01.10 Quel est le secteur d'activité qui décrit le mieux votre projet ?

Autre : Financial inclusion of impaired women individuals and businesswomen

02.01.01 Mon projet contribue à l'objectif 'Pas de pauvreté'

3

02.01.02 Justification de la contribution de mon projet

My project contributes to the No poverty goal by providing financial literacy and entrepreneurship support to marginalized women, enabling them to generate income and reduce dependency on others.

02.02.01 Mon projet contribue à l'objectif 'Faim Zéro'

3

02.02.02 Justification de la contribution de mon projet

By improving the financial literacy of marginalized women, we enable them to better manage their resources, potentially increasing their ability to provide food for their families and reducing hunger within their households.

02.03.01 Mon projet contribue à l'objectif 'Bonne Santé et Bien Être'

5

02.03.02 Justification de la contribution de mon projet

By offering stress management and financial planning tools to women which can alleviate financial stress and contribute to overall well-being.

02.04.01 Mon projet contribue à l'objectif 'Éducaiton de Qualité'

6

02.04.02 Justification de la contribution de mon projet

The project provides accessible financial education through digital channels and community workshops at proximity in order to enhance the quality of education for underserved populations.

02.05.01 Mon projet contribue à l'objectif 'Égalité entre les Sexes'

7 - Tout à fait d'accord

02.05.02 Justification de la contribution de mon projet

Mofinans specifically targets women with disabilities, promoting gender equality by addressing their unique challenges and providing tools for economic empowerment.

02.06.01 Mon projet contribue à l'objectif 'Eau Propre et Assainissement'

2

02.06.02 Justification de la contribution de mon projet

02.07.01 Mon projet contribue à l'objectif 'Énergie Propre et Abordable'

1 - Pas du tout d'accord

02.07.02 Justification de la contribution de mon projet

02.08.01 Mon projet contribue à l'objectif 'Travail Décent et Croissance Économique'

7 - Tout à fait d'accord

02.08.02 Justification de la contribution de mon projet

By supporting entrepreneurship among marginalized women suffering from disabilities who feel that they are socially excluded, the project contributes to an economic growth from community to community and creates opportunities for decent work by making them accepted in society for what they can help others to achieve

02.09.01 Mon projet contribue à l'objectif 'Industrie, Innovaiton et Infrastructure'

6

02.09.02 Justification de la contribution de mon projet

The project introduces an innovative digital solution that starts with financial education which can be an asset for the development of inclusive financial infrastructure.

02.10.01 Mon projet contribue à l'objectif 'Réduction des Inégalités'

6

02.10.02 Justification de la contribution de mon projet

MOFINANS aims to helps those who want to achieve financial literacy so as to reduce inequalities in access to financial education and economic opportunities.

02.11.01 Mon projet contribue à l'objectif 'Villes et Communautés Durables'

6

02.11.02 Justification de la contribution de mon projet

With its community workshops operating at proximity for the sake of the marginalized, its vision serves to contribute to more inclusive and sustainable communities

02.12.01 Mon projet contribue à l'objectif 'Consommation et Production Responsable'

6

02.12.02 Justification de la contribution de mon projet

The financial literacy education module in the community workshops will help to promote responsible financial management and consumption habits among participants.

02.13.01 Mon projet contribue à l'objectif 'Luttle contre les Changements Climatiques'

2

02.13.02 Justification de la contribution de mon projet

Our project does not directly address climate action unless it involves green entrepreneurs seeking good governance

02.14.01 Mon projet contribue à l'objectif 'Vie Sous-Marine'

2

02.14.02 Justification de la contribution de mon projet

Our project will not directly address life below water issues unless it involves entrepreneurs who work in that field and who are looking forward to integrate the UNSDGs that we are working on.

02.15.01 Mon projetp contribue à l'objectif 'Vie Terrestre'

2

02.15.02 Justification de la contribution de mon projet

Our project does not directly address life on land issues.

02.16.01 Mon projet contribue à l'objectif 'Paix, Justice et Institutions Efficaces'

7 - Tout à fait d'accord

02.16.02 Justification de la contribution de mon projet

Promote good governance with sound and transparent financial records and promote social harmony by reducing stigmatization of financially literate impaired women and redicing social exclusion.

02.17.01 Mon projet contribue à l'objectif 'Parteneriats pour la Réalisation des Objectifs'

7 - Tout à fait d'accord

02.17.02 Justification de la contribution de mon projet

Collaborative efforts are essential for scaling up initiatives like ours, allowing us to reach more stigmatized impaired women to amplify a positively shared collective vision of unemployed impaired women from community to community

05.01 Il existe un grand nombre de clients qui utilisent déjà un produit/service très similaire à celui que nous envisageons de créer.

3

05.02 Le produit/service que nous voulons créer représente un type de produit/service entièrement nouveau

3

05.03 Le produit/service que nous voulons créer pourrait être décrit comme une nouvelle technologie

3

05.04 Le produit/service que nous voulons créer est une amélioration d'un produit ou d'un service existant

6

05.05 Le produit/service que nous voulons créer pourrait être décrit comme une extension d'une gamme de produits ou de services

5

05.06 Le produit/service que nous voulons créer répond à une demande ou à un besoin qui n'a pas été satisfait par d'autres produits/services.

5

05.07 Le produit/service que nous voulons créer est une nouvelle version d'un ancien produit/service

5

05.08 Justification de mon projet

Mofinans appears to be an improvement on existing financial literacy and expense tracking services. While similar products exist, they often fail to adequately serve marginalized, poor, handicapped, disabled, and slow-learning individuals. These groups may not be using existing services due to the Lack of accessibility features, user experience deemed complex for those who look for a continuous improvement in their financial education that they can immediately integrate in their lives, Insufficient consideration of their specific needs and challenges, Limited outreach and awareness in their communities. Mofinans can be considered an extension of existing financial management services that's tailored specifically for a target group of disabled minorities in marginalized communities by order of regions. It does respond to a demand that has not been adequately satisfied by other products/services lacking accessible financial literacy tools for marginalized communities.

05.09 Qui sont vos principaux potentiels concurrents et qu'est-ce qui vous différencie d'eux ?

Traditional Financial Apps: Mofinans caters specifically to marginalized women with disabilities, unlike broader financial apps like Mint or YNAB Microfinance Institutions (MFIs): Mofinans goes beyond just microloans, focusing on personalized financial literacy education Government/NGO Programs: Existing programs might lack accessibility or reach for the target audience. Mofinans Stands Out with its accessibility, personalized education on-site with a focus on marginalized groups by community and has proximity solutions with continuous support. The key differentiators are the focus on the target audience, accessibility and simplicity, a holistic approach on financial literacy, localized content based on regions, and adaptive learning that the users can put to practise and immediately integrate with our support groups.

10.06 Menez-vous des actions au sein de votre communauté pour promouvoir le rôle des femmes entrepreneurs ?

I have successfully included 4 women in our team, two of which are female entrepreneurs who want to start a green venture, one impaired working on micro-gardens and the other with bamboos and they will be all using Mofinans to manage their finance.