Fatema Tuz Johora Fatema Tuz Johora is the communications manager for the BRAC Integrated Development Programme. By Fatema Tuz Johora Blog26 October 2015 How Hard is it to Use Mobile Money as a Rural Bangladeshi Woman? Women in Bangladesh have one of the lowest rates of mobile money usage in the world. Does the dearth of usage indicate a lack of appropriate products and services? Just how hard is it to use mobile money if you are a rural Bangladeshi woman?