Reading Test 9

The ping of a text message has never sounded so sweet. In what is being touted as a world first, Kenya’s biggest mobile operator is allowing subscribers to send cash to other phone users by SMS. Known as M-Pesa, or mobile money, the service is expected to revolutionise banking in a country where more than 80% of people are excluded from the formal financial sector. Apart from transferring cash - a service much in demand among urban Kenyans supporting relatives in rural areas - customers of the Safaricom network will be able to keep up to 50,000 shillings (£370) in a “virtual account” on their handsets. Developed by Vodafone, which holds a 35% share in Safaricom, M-Pesa was formally launched in Kenya two weeks ago. More than 10,000 people have signed up for the service, with around 8 million shillings transferred so far, mostly in tiny denominations. Safaricom’s executives are confident that growth will be strong in Kenya, and later across Africa. “We are effectively giving people ATM cards without them ever having to open a real bank account,” said Michael Joseph, chief executive of Safaricom, who called the money transfer concept the “next big thing” in mobile telephony. M-Pesa’s is simple. There is no need for a new handset or SIM card. To send money, you hand over the cash to a registered agent - typically a retailer - who credits your virtual account. You then send between 100 shillings (74p) and 35,000 shillings (£259) via text message to the desired recipient - even someone on a different mobile network - who cashes it at an agent by entering a secret code and…

More than a million people are likely to be disappointed by their experience of the Government's attempts to improve the democratic process. They may have signed an online petition against road pricing, but ministers are determined to push ahead with plans to make it more expensive to drive. The Government is convinced that this is the only way to reduce congestion and the environmental damage caused by motoring. Why wait until you are forced off the road by costly charges? You may enjoy the convenience of your car, but the truth is that for huge numbers of people, owning a car makes little financial sense. You'd be far better off giving it up and relying on other forms of transport. "I'm 47 and I've never owned a car, despite having a job that requires me to travel all over the South-East to visit clients," says Donnachadh McCarthy, an environmental expert who specialises in advising people how to be greener. "A car is a huge financial commitment, as well as being a psychological addiction. Not owning a vehicle is far more practical than most people realise." It may seem as if cars have never been cheaper. After all, it is now possible to buy a brand new car for less than £4,800 - the Perodua Kelisa, if you're interested. There are plenty of decent vehicles you can buy straight from the showroom for between £5,000 and £7,000. Of course, if you buy second-hand, the prices will be even lower. However, the falling purchase price of cars masks the fact that it has never been more expensive to own and run a vehicle. The estimate is that the cost of running a car rose by more…

Until three months ago, life in this humble village without electricity would come to a halt after sunset. Inside his mud-and-clay home, Ganpat Jadhav's three children used to study in the dim, smoky glow of a kerosene lamp, when their monthly fuel quota of four litres dried up in just a fortnight, they had to strain their eyes using the light from a cooking fire. That all changed with the installation of low-cost, energy-efficient lamps that are powered entirely by the sun. The lights were installed by the Grameen Surya Bijli Foundation (GSBF), an Indian non-governmental organisation focused on bringing light to rural India. Some 100,000 Indian villages do not yet have electricity. The GSBF lamps use LEDs - light emitting diodes - that are four times more efficient than a normal bulb. After a $55 installation cost, solar energy lights the lamp free of charge. LED lighting, like cell phones, is another example of a technology whose low cost could allow the rural poor to leap into the 21st century. As many as 1.5 billion people - nearly 80 million in India alone - light their houses using kerosene as the primary lighting media. The fuel is dangerous, dirty, and - despite being subsidised - consumes nearly four per cent of a typical rural Indian household’s budget. A recent report by the Intermediate Technology Development Group suggests that indoor air pollution from such lighting media results in 1.6 million deaths worldwide every year. LED lamps, or more specifically white LEDs, are believed to produce nearly 200 times more useful light than a kerosene lamp and almost 50…