Making Money Mobile – Japanese Subtitle

2010年、ハイチでは大地震があり、現金が引き出せなくなった。
携帯電話を決済手段にするサービスを追ったドキュメンタリー。
サンダンスのドキュメンタリー制作部門とビルゲイツ夫妻の財団が制作した模様。

# Japanese English
1 Produced by Highest Common Denominator
2 Produced in association with
The Sundance Institute Documentary Film Program
for the Bills&Melinda Gates Foundation
3 Making Money Mobile
4 ハイチ国民の80%が、天災と人災により貧困にあえいでいる Eighty percent of Haitians live in poverty, subject to natural and man-made disasters.
5 2010年1月12日の大地震により
ハイチ経済は崩壊した
The catastrophic earthquake of January 12, 2010 throws Haiti’s fragile economy into chaos.
6 地震のあと、決意してハイチに来ました When the earthquake happened, I made a personal decision to come to Haiti.
7 地震で親友を亡くしたの I lost a very dear friend of mine in the earth quake
8 その人とのハイチに戻ってくるという
約束を果たしたかったの
and I made a promise to him that one day I would come and I had no other choice about coming here or not to hold that promise
9 地震の後… after the earthquake,
10 たくさんの銀行の支店が閉店したの a number of branches bank branches were closed
11 倒壊したところもあるわ or some of them even collapsed.
12 みんな現金を引き出せなくなったの People could not get access to their own cash
13 食事や薬や水を買うためには現金が必要なのに cash we needed to protect themselves against the disaster to buy food, medicine, water
14 今のハイチでは現金サービスは問題あるわ cash based interventions were relevant in the context of Haiti
15 現金経済だと、人々は目先のことしか考えられなくなる with a purely cash based economy , we know that the people have a very shortened view.
16 食事を買いに行かなきゃいけないときも crazy agent sometimes they have to go by foot
17 私たちみたいに高い山の上から
歩いて行かなきゃいけなかったりするわ
and sometimes we are very high in the mountains so we have to walk!
18 一番の問題は暴力です the number one issue is violence
19 大多数である道行く女性たちから
お金を強奪する犯罪も起きています
as crime, we know for a fact that these women who actually make the majority of street fenders get money taken away from them
20 強盗だけでなく、殺人や誘拐の危険もあります these people they can be robbed, they can be killed they can be kidnapped
21 ギャングに一日20ドルでガードを頼んでいる女性も居ます one women was paying a gang member 20 dollars a day to keep her safe
22 おれたちの生活は良いもんじゃない I think life is not good at all for us
23 おれたちほとんどだ for almost all of us
24 この混乱の中、携帯が役立っている In the midst of this chaos, cellular served continued to function
25 携帯で命が救われてるよ cell phone saved lives.
(Pierre Liautaud VP Product Development, VOILA )
26 がれきの下で息のある人が居場所をタイピングしたり a number of people who were recovered underneath the rubble were able to text their exact location to their house
27 地球上の68億人のうち50億人が携帯をつかっている There are 6.8 billion people living on the planet
Nearly 5 billion of them use a cell phone
28 みんな携帯を使ってお金を動かしてるんだ People have cell phones service and needed these financial actions
29 地震後わかったのは、経済を停滞させないために
モバイルバンキングが助けになっている
the economy was moving but they needed to be facilitated *and mobile banking* to keep evident as the result of a earthquake
30 ハイチでは携帯はすごく大事です mobile phone penetration in Haiti is really significant
31 国民の85%が携帯を持っています about 85% of Haitians own the phone
32 ハイチでは携帯なくして、コミュニケーションは成り立たない Without cell phones in Haiti, there is no communication
33 贅沢品ではなく生活必需品だ its not a luxury, its a basic need of survival
34 人口の大部分が持っているならば
金融手続きにも使えます
Since these devices is already in their hands of the majority of the population, it makes sense to use it also for financial services
35 ここでは携帯が支払いの重要な手段です We have a very strong platform for mobile banking to succeed mobile payments
36 国の遠くにいる個人にも支払えます transfer from one person to the next from one side of the country to the other
37 国をまたいだ支払いもできます and international *limitancies*
38 モバイルバンキングでは個人間のお金の授受ができます Mobile banking is basically allowing someone to do a banking transaction by a telephone
39 技術がハイチを現金のいらない国にしたんだ clearly that technology exists to allow a country like Haiti to become a cashless country
40 技術の世代交代です
(ハイチ銀行頭取)
It is part of the initiative to enfranchise and disenfranchise
41 これが使えることが証明されたわ and we’ve seen that it can work.
42 ケニアではMペサというサービスがあって We’ve seen in Kenya where there is a service called M-pesa
43 携帯でお金の手続きをする人は今や1000万人を超えてるのよ there are more than ten million clients now using their cell phones to save money and to transact with one another
44 荒廃した状況で希望の光よ its the silver lining in a devastating situation
45 これで計算もしたいわ I need to add minutes to my phone
46 26万人に対して銀行の支店が二つしかないようなハイチでは
簡単な支払いが大事だわ
local payments are important because in a country like Haiti, there are only two bank branches for about a hundred and sixty thousand people
47 何か支払いをしたいとき、銀行に行かなくちゃならない When I have to cash a check
48 You have to come to the bank
49 するとすごい行列なんだ and the lines are so long and so slow
50 女の人が夫からお金を隠したいとするじゃない
そうすると羊を買うの
You might have a women who has some extra money and she wants to hide it, hide it from her husband, hide it from herself by buying a goat.
51 でもその半分が必要なとき
羊は半分じゃ売れないわ
But, when she needs just a few dollars, you can’t just sell half the goat, you have to sell the whole goat
52 これじゃ確実な貯蓄とは言えないわ So it can be an illiquid and expensive way of saving money
53 僕のお金が全部現金なら All my money is in cash and its not at the bank
54 マットレスの下? Where is it? in my mattress?
55 火事になったらどうする What happens if my house burns down.
56 現金の信用も、モバイルバンキングに火がつけば問題ないわ So linking cash based intervention and mobile banking is taking this disbelief effort once they fervor
57 なぜなら、金融システムの説明も人々に怠らないからよ because as we do this we also educate people to make the most of financial services
58 携帯手続きのトレーニング mobile money training session
59 普及する過渡期よ
いまトレーニングをするところよ
your right in the middle of * distribution, just about we begin the training
60 仕事をした後に、携帯でお金を支払われるケースのね on how to use the mobile phone to receive payments after a heavy * of working
61 彼女は携帯も持ってなかったけど
覚えるの早くて「当然よ」だって
She’s never had a phone before and I said you learn fast and she said “yes yes yes”
62 政府は市民へのサービスをする良い手段だ It’s really a tool that the government can use to improve the quality of its services to the citizens
63 銀行の外で、銀行のサービスが受けられる So by using the mobile technology, we can actually bank outside the bank
64 手元に預金があると、経済の停滞のリスクを軽減できる ***The benefit to someones corpors in saving is that it reduces the economic volclority
65 小さいビジネスなら出費プランもたてやすい You area able to plan out expenses and vest under small businesses
66 貯金が楽になったわ For me, saving is great
67 だって現金を持たなくて済むのよ because I don’t need to have the cash right away
68 しかもほしいときにそこにある but it’s there for me whenever I need it
69 みんな素晴らしいわ people are amazing.
70 すぐに適応するの They are really getting in
71 彼らの電話でモバイルマネーの力をテストしてくれてるわ They are really using their phone to test out the power of mobile money
72 みんなを助ける道具になるよ This is a tool that is going to be very good for us all.
73 私たちの目の前で始まったんだ、私たちが最初なんだ We are there right at the beginning of it, you know we’re the first one doing it
74 それが一番ね I mean this is the best idea in my heart
75 一年後には、ハイチでのモバイルマネーは
大成功を収めてるだろう
I will bet that one year from now, we will have seen the greatest success of mobile money in the world in Haiti
76 良い事になるわ It’s gonna be great
77 ゲイツ夫妻の財団とUSのエージェントはハイチの携帯サービスに
初期投資10億円を投資した
The Bill & Melinda Gates Foundation and the U.S. Agency for International Development (USAID) in 2010 launched a $10 million incentive fund to jumpstart financial services by mobile phone in Haiti.
78 地震被害者の送金援助と貧困に喘ぐハイチ国民の経済援助
を優先課題としている
The initiative is helping deliver cash assistance to earthquake victims and lays the foundation for advanced banking services that could help millions of Haitians lift themselves out of extreme poverty.