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E-Commerce for All: Jumia’s role in bridging the digital divide

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E-commerce today has become as pervasive as universal languages and global trends. Yet, as far-reaching as this commercial phenomenon is, there remains a segment of society that has not experienced the thrill of shopping virtually and fast home delivery services. This segment is largely situated in rural communities, locations that are not yet immersed in the global digital economy. While inhabitants of these rural communities are still largely underserved when it comes to e-commerce, Jumia — Africa’s leading online marketplace — has been making inroads into these regions, taking e-commerce and its advantages to the doorsteps of people who were previously overlooked.

Localising E-commerce

The digital divide refers to the gap between those who have access to modern information and communication technologies, particularly the internet, and those who do not. It’s a divide that extends beyond mere connectivity; it encompasses disparities in digital literacy, access to devices, and opportunities for economic participation. While the world has witnessed exponential growth in internet penetration, vast segments of the population, particularly in emerging economies, remain excluded from the digital revolution. The digital economy offers a plethora of opportunities, from e-commerce to remote work, providing individuals with the means to participate in the global marketplace. By enabling access to digital platforms, economies can thrive, creating a more equitable distribution of wealth.

In 2o23, Jumia released its “E-commerce in Rural Areas” report — a document that details Jumia’s efforts in making e-commerce easily accessible to everyone, regardless of geographical location and purchasing power. According to this report, one tactic Jumia leverages so effectively is one most Nigerians have experienced at some point — grassroots activations or in Jumia terminologies, the JForce.

Launched in 2016, JForce is a network of over 40,000 independent sales consultants that help thousands of Nigerians in rural communities surmount the digital divide. Through the Force, Jumia leverages a communal, offline marketing approach that enables individuals without access to the internet to access Jumia’s sprawling catalogue of products.

Eliminating Logistic Barriers

Supplying the other half of the e-commerce equation, Jumia also established pick-up stations and forged partnerships to surmount logistic challenges to rural communities. More specifically, the online marketplace brand set up 250+ pick-up stations and established alliances with several third-party logistic partners to facilitate product delivery to secondary cities and rural areas.

The strategic placement of pick-up stations across various towns ensures that inhabitants of even the most remote corners of Nigeria are not relegated. This initiative has been a viable pathway to help rural communities overcome geographical limitations and tap into the global economy, effectively enriching these communities.

Investing in the Local Economy 

Further underscoring Jumia’s drive for accessibility and inclusivity, Jumia has invested in training local entrepreneurs as agents to bolster their income through its commission structure. Through this tactic, the company has created many jobs and business opportunities for rural entrepreneurs, fostering economic growth within these communities. As a testament to the impact of this strategy, Jumia has thousands of individuals signed up as JForce agents in these regions that were once cut off from global commerce — bolstering both the economic powers of denizens and the targeted communities as a whole.

According to the “E-commerce in Rural Areas” report, Jumia’s efforts at bridging the existing digital divide have been felt not only by rural entrepreneurs but also by families. The report reveals that about half of orders made on the Jumia marketplace platform, and delivered through its impressive network of pick-up stations and logistic services, are bound for either rural areas or secondary cities (23 percent rural areas, 22 percent secondary cities in 2023). Families in these regions are taking advantage of Jumia’s extensive catalogue of over 50 million products and on-ground agents, saving themselves time and money while ordering essential items either directly to their doorsteps or nearby pick-up stations.

Jumia’s strategies have undoubtedly had a far-reaching impact. Since launching its aggressive crusade to take e-commerce to underserved communities, people who had limited to no digital literacy have had opportunities to participate in the global digital ecosystem. Now, more individuals can learn and harness skills such as online shopping, online payments, and navigating e-commerce platforms that have proven not only useful for personal interests but also for increasing their incomes and purchasing power. By promoting digital inclusion and literacy, Jumia helps bridge the digital divide and enables communities to fully participate in the benefits of the digital age.

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Nigeria’s money supply dropped to N92.3trn in March – CBN

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Nigeria’s money supply dropped marginally to N92.3 trillion in March 2024 from N93.9 trillion in February.

This is according to recent data from the Central Bank of Nigeria.

Experts have linked the development to CBN’s hike in interest rates.

Demand deposits increased from N26.8 trillion to N28.8 trillion, suggesting a preference among depositors for more liquid forms of money.

Similarly, currency outside banks surged from N3.4 trillion to N3.6 trillion as more Nigerians moved towards cash following the end of the apex bank’s controversial new naira note policy.

The naira has continued to depreciate against the dollar despite the CBN’s policy intervention. On Thursday, it further dipped to N1533.99 per dollar.

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Naira appreciates against dollar, ends week on good note

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The Naira appreciated against the dollar at the foreign exchange market barely 24 hours after depreciation.

FMDQ data showed that the N1497.33 appreciated against the dollar on Friday

This represents an N33.66 gain against the dollar compared to N1497.33 traded on Thursday.

Similarly, at the parallel market, the Naira appreciated to N1475 per dollar on Friday from N1555 on Thursday.

This showed that the Naira ended the week well after days of depreciation.

The country’s currency continued to experience instability since mid-April when it recorded months of appreciation.

Meanwhile, the Bureau De Change Operators had blamed forex scarcity for the continued depreciation of Naira.

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Police dismiss inspector for N29.8m theft, kidnapping

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The Nigeria Police Force has dismissed one of its officers identified as Adabo Mohammed for criminal conspiracy and armed robbery, among others.

Mohammed, who was an Inspector, alongside five others was said to be a member of an armed robbery gang allegedly responsible for the stealing of N29.8 million from a victim in Gwagwalada, Federal Capital Territory.

This was disclosed by the Force Public Relations Officer, Olumuyiwa Adejobi, in a statement issued at the Force Headquarters in Abuja on Friday.

The statement, titled, ‘Police speak tough on indiscipline, misconduct,’ noted that in a move to uphold professional standards within the Force, the Inspector-General of Police, Olukayode Egbetokun, stressed the Force’s intolerance to any form of indiscipline.

The statement read partly, “In a decisive move to uphold the highest standards of professionalism and integrity within the Nigeria Police Force, the Inspector General of Police, IGP Kayode Adeolu Egbetokun, has emphasised his administration’s zero-tolerance policy towards any form of indiscipline. He stressed that the mandate of the police is to serve and protect with honour and integrity, and as such all breaches of the core values of the NPF will be met with decisive action to maintain public trust and ensure justice.

“In line with this policy, all cases reported against personnel have been creditably attended to, and justice has been done appropriately. Many of the erring officers have been sanctioned, while some cases are still at the orderly room trial level, and will soon be concluded.

“For instance, a police inspector has been dismissed from service while three others were demoted to their previous ranks following thorough investigations which confirmed their involvement in various acts of indiscipline/crime.”

Adejobi added, “One Inspector Adabo Mohammed was dismissed for the offences of criminal conspiracy, armed robbery/kidnapping, and corrupt practice. The dismissed officer, along with five others were members of an armed robbery gang responsible for the robbery of the sum of N29.8 million from a victim in Gwagwalada, FCT as well as the kidnap of one Ikechukwu Emmanuel Okafor in Tunga Manje, and the collection of ransom sum of N4.4m. The ex-officer has been charged to court accordingly.

“Similarly, the trio of Inspectors Osagie Efford, Semiu Agbekin, and Francis Ahuen, attached to the Special Tactical Squad (STS), have been demoted to their previous rank of Sergeant for the extortion of some motorists in Abuja. The trio intercepted an unregistered Mercedes Benz at Gwarinpa, Abuja, and forced the occupants to part with the total sum of N29.4m.

“The matter when reported by one Harrison Gwamnishu (#HarrisonBBi18) via the social media platform ‘X’, was taken up and properly investigated. While the monies have been returned to the complainants, the officers were subjected to orderly room trial in line with extant laws, and have been demoted.”

The FPRO noted that some senior officers have “been subjected to the Force Disciplinary Committee hearings” to “scrutinise and address allegations of misconduct against higher-ranking officers of the Force.”

He assured the public that “these measures are taken with the utmost seriousness and are integral to restoring and maintaining their trust. He re-emphasised that the NPF is dedicated to fostering a culture of accountability and respect within all ranks to ensure that police officers serve with integrity.”

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