Born from research showing that accessible micro-savings products are one of the highest-impact tools for women entrepreneurs.
The objective of BWC is to increase the economic opportunity of women running small enterprises and agri-businesses by helping them to improve business performance through access to savings, training on business skills and access to business- enhancing products and services.
Due to a lack of capital, many women operate in low-margin businesses and cultural norms dictate that most income women make be used for relatives and family. In a context where 82.6% of women don’t have access to formal savings mechanisms, mobile savings products offer women better security, privacy and control over their incomes so that they can reinvest in their businesses and gradually advance to higher-margin activities.
BWC began in Tanzania by promoting mobile savings and business skills to 3,000 women under a randomized control trial in partnership with the Center for Global Development and the Gender Innovation Lab at the World Bank. The objective was to demonstrate the impact of two treatment arms – promotion of mobile savings alone, and promotion of mobile savings combined with business skills training.
In 2017 and 2018, TechnoServe expanded its activities to help 5,000 more women entrepreneurs across Tanzania, Mozambique and Nigeria increase their economic opportunity through access to – and educated use of – financial services for their businesses.
Operating in Mozambique since 2017, Business Women Connect has bigger goals than ever before - training women to make a difference in their communities.
Beginning with a pilot program in 2017, BWC in Mozambique has pursued new strategies and new markets in each phase, with the goal of reaching more women throughout the country. Starting with a focus on urban micro-entrepreneurs, the program has evolved to focus on banking agents to bring a gender-inclusive approach to financial literacy.
Explore our program history: Choose a strand and hover to see our key achievements.
Sarah Bove is the gender lead for TechnoServe Mozambique, providing advisory services and training to programs and staff on gender sensitive programming. She has over 10 years’ experience in international development and women’s empowerment. Previously, Sarah ran a social business employing and training women from vulnerable backgrounds at her own ethical fashion label, IKURU. At the same time, Sarah conducted several consultancies in women’s empowerment including coordinating gender studies on women’s workload and decision-making at household and community level. Earlier in her career, Sarah was a Monitoring and Evaluation Officer at the Aga Khan Foundation (Pemba, Mozambique), where she was also a gender focal point. Prior to this, she worked at the International Organisation for Migration (Maputo), Médecins du Monde Portugal (Haiti), and Intercooperação e Desenvolvimento (INDE) in Lisbon. Sarah holds a Master in International Development from Lisbon University Institute and a Bachelor in Social Studies from McGill University.
Business Advisor, Logistics & Development
Abneusa (Aby) Manuel is a software engineer and a social change-maker who has worked for 9 years in youth and women empowerment, sexual and reproductive health, gender equality, digital inclusion, information and communication technologies democratization and disruptive technologies adoption in Mozambique. With experience as an activist at Geração Biz program and a gender officer at the Mozambican Youth Parliament, Aby worked with countless bright young women who proved that women have the potential, strength, persistence, and the ability to strive under uncertain conditions, and with the right guidance and resources, can be talented business people and change-makers.
Business Advisor, M&E
Onika Tovela is a accountant and student, who has worked in accounting and M&E for the past 3 years. She previously worked as a volunteer social activist for Rizwan Adatia Foundation and as a finance assistant and M&E Officer at Welthungerhilfe. Onika orients her career around the principle of helping women developing and creating their own businesses with available resources within their communities.
Lucélia Amelaní Cuber
Senior Business Counselor
Lucélia joined BWC because it connects her interests in business and management with larger questions relevant to women in Mozambique. She was born in Maxixe and completed her education in Political History and Public Administration. She previously worked in administration and human resources in a variety of different roles before joining BWC in 2017.
Yara Mussagy Gulamhussene
Yara joined BWC because she wants to change society's marginalization of women who commit all of their efforts to family above all else, as men receive the merits and opportunities. She was born in Maputo and completed her post-graduate education in Marketing and Business Communication from the Universidade Católica de Moçambique in Nampula in 2015. She previously worked at the Faculdade de Educação e Comunicação in HIV-AIDS prevention, the Northern Development Corridor's Department of Communication and Image, and in various business roles at MARCAS and Colégio Nyamunda in Nampula and Nestlé, Safe Travel and and Ethiopian Airlines in Maputo.
Carlota Daniel Buvane
Carlota joined BWC for a love of sharing experiences with women entrepreneurs and business owners. She hopes to contribute to women's empowerment in business through teaching business skills and strategies. Carlota was born in Maputo and completed degrees in Business and Finance Education in 2013 and Accounting Education in 2014, both from the Universidade Pedagógica. Before joining BWC, she worked in the Department of Finance and Administration at the Maputo city office for Agriculture and Food Security.
Eleutéria (Leu) joined BWC for the chance to make a difference because in working with women, social impact is multiplied through women's roles as mothers, wives, and daughters. In Leu's words, "to ensure women learn is to conquer the world" - with BWC training, businesswomen have the chance to show the world how they will build their businesses, be financially educated, and be positioned financially to better plan for and invest in their businesses. Born in Inhambane, she completed her degree in Finance from the Universidade Eduardo Mondlane in Maputo in 2017.
Lucinda joined BWC because she believes strongly in the potential of women. She hopes that through teaching good financial management, she can help women entrepreneurs solidify their businesses. A native of Maputo, Lucinda's education is in Entrepreurism and Management. She previously worked in client management and promotion.