In Kenya, a pilot scheme called M-Pesa is being used to disburse and pay micro-loans by phone.
在肯尼亚，一个叫做M - Pesa的实验性计划开始进行实践，帮助人们通过电话支付和偿还小额贷款。
One of the most successful, M-PESA, began in 2007 in Kenya, where it now has more than 13m users.
2007年创立的肯尼亚的M - PESA就是其中最成功之一，在肯尼亚已经拥有1300万用户。
By far the most successful example of mobile money is M-PESA, launched in 2007 by Safaricom of Kenya.
到目前为止，移动理财最成功的案例是m - PESA，由肯尼亚的Safaricom公司于2007年启动。
One of Kenya's biggest fertiliser firms, for instance, plans to sell small fertiliser pellets through the M-PESA platform.
比如肯尼亚最大的公司之一就打算通过手机钱包平台出售小的肥料球。
And a new microinsurance scheme USES M-PESA to offer Kenyan farmers protection against bad weather (see box on next page).
还有另外一项新的利用M - PESA的的小额保险计划，旨在保护肯尼亚农民免受恶劣天气之害(见下图)。
M-PESA first became popular as a way for young, male urban migrants to send money back to their families in the countryside.
“M-PESA”最初是受到进城务工的青年男士的欢迎，他们用这个来给乡下家里寄钱。
Although for regulatory reasons M-PESA accounts do not pay interest, the service is used by some people as a savings account.
虽然鉴于一些法规上的因素，M - PESA并不向用户支付利息，但人有一些人将M - PESA用作储蓄账户。
After three months 60% of the population had heard of the service-a level of awareness that M-PESA took a year to achieve, according to MTN.
按照MTN的说法，营销战3个月后人口中的60%都已听过这种服务，这大约是一年前M - PESA所达到的水平。
The system could easily operate across borders. Even now, a pilot scheme enables people to send expatriate remittances to Kenya via the M-PESA system.
系统使得跨越国界的操作变得很容易，即使在现在，试验计划使得人们可以通过移动转账系统给在异国他乡的肯尼亚的人汇款。
People in Kenya, for instance, already use a successful text-message-based service called M-PESA to transfer money electronically to other mobile users.
例如，肯尼亚人已经在使用一个以手机短信为基础的成熟的服务- M - PESA，借助该服务可以以电子方式将钱转账到另一部手机上。
Another model is in Kenya where a service called M-PESA enables people to use mobile phones to transfer and save money without opening an actual bank account.
在科尼亚，另一种模型叫m - PESA的服务让人们使用收益转账和存钱而不用开一个真正的银行账户。
Kenya has one of the highest rates of mobile-phone penetration in Africa, and, dominated by M-PESA, by far the biggest network of mobile-phone-based money transfer.
在非洲，肯尼亚拥有最高的手机拥有率，而且，由M - PESA技术主导，目前覆盖最广泛的手机钱包。
She spends around $5 a day on bus fares, a typical daily wage in her part of the world, but she earns around $1,000 a month in commission from the M-PESA transactions in her three shops.
她每天要花5美元左右的车费，这是她生活工作的那个地区的日平均收入。但在3个代理店，她每个月从M-PESA交易中可以拿到大约1000美元的回扣。
As recently as a year ago people wondered whether M - PESA 's success was fluke.
就在一年前，人们开始怀疑M - PESA的成功是不是只是昙花一现。
As recently as a year ago people wondered whether M - PESA 's success was fluke.
就在一年前，人们开始怀疑M - PESA的成功是不是只是昙花一现。
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