The Gambia is in Western Africa, bordering the North Atlantic Ocean and Senegal. The climate is tropical with a hot, rainy season (June to November) and a cooler, dry season (November to May). The official language is English. It is the language in which business meetings are conducted. Most people in urban area understand English, but very few in rural areas do. The main religions are Islam and Christianity. The economy of the Gambia is a liberal, market-based economy characterized by traditional subsistence agriculture, a historic reliance on groundnuts (peanuts) for export earnings, a re-export trade built up around its ocean port, low import duties, minimal administrative procedures, a fluctuating exchange rate with no exchange controls, and a significant tourism industry. Gambians tend to be soft-spoken and gentle. The majority of Gambians are Muslim. Business culture is generally formal and hierarchical. The working week is Sunday to Thursday. Businesses are closed on Fridays. The security risk for expatriates in Gambia is low. Risks include petty crime such as pickpocketing and theft, particularly in hotels, tourist and public transport areas, as well as separatist groups in the areas bordering southern Senegal's Casamance region. The currency of The Gambia is the Gambian Dalasi (GMD). The Gambia is primarily a cash based economy. Some hotels and restaurants accept some debit cards but very few will accept credit cards. ATMs are limited and unreliable. Medical facilities in The Gambia are very limited and the cost of medical evacuation can be very high. Malaria is present. The population of the Gambia is 2.1 Million (2019 est.), while the inflation rate (CPI) is 6.41% for the Gambia as at December 2018. Xpatulator Hypothetical Tax for the Gambia is based on the current personal income tax rates which are progressive up to 30%.
Cost Of Living
The cost of living for expatriates / professional migrants in In Gambia, the cost of each basket, based on local prices, compared to the international average, is categorized follows (Exact cost of living percentages only available in personalised reports): Gambia as at 1 January 2019 is very low in comparison to other places in the world. 1) Alcohol (where available) & Tobacco: Average 2) Clothing: Very Low 3) Communication: Low 4) Education: Very Low 5) Furniture & Appliances: Low 6) Groceries: Very Low 7) Healthcare: Low 8) Household Accommodation: Average 9) Miscellaneous: Very Low 10) Personal Care: High 11) Recreation & Culture: Average 12) Restaurants Meals Out and Hotels: Very Low 13) Transport: Very Low Gambia is for example -33.3% cheaper than USA for groceries, -15.5% cheaper for household costs than UK, and 34.5% more expensive for transport costs than India. The hardship premium for Gambia for an expat from Australia, is for example 30%, i.e. host location (the Gambia) premium of 40% minus home (Australia) location premium of 10%. Gambia is ranked as a extreme hardship location. Want to know more about cost of living, hardship (quality of living) or expat salary in Gambia? Register subscribe to your home location and Gambia and run your personalised reports.