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22 June 2017
Tanzanian smallholder farmer Jaconda Chengula sits atop her maize harvest.
National surveys in Mozambique and Tanzania show that women in agriculture do not diversify their incomes as much as men do. Equal access to financial services could help women to generate new sources of income.
24 April 2017
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Women farmers, Senegal
Most digital financial services for smallholders target the 7 percent of farmers who already have buyers for their crops. What about services for the other 93 percent?
25 February 2016
How are smallholder families managing their money? What challenges do they face? What financial solutions can help? CGAP’s Financial Diaries with Smallholder Households ("Smallholder Diaries”) spent a year with 270 farming families in Mozambique, Tanzania, and Pakistan to find out.
24 February 2016
For many smallholders, "the hunger season," when little can be harvested, is the worst time of the year. What financial and other tools might help farmers to better endure the rainy, sick, and hungry months?
23 February 2016
Most companies don’t want to be the first in a sector to try something new and potentially unpopular. Dominant buyers must lead the way to drive large-scale mobile money uptake by smallholder farmers.
19 February 2016
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Examining the cash flows of coffee and sugar farmers in Uganda for a CGAP-commissioned project revealed a seasonal cycle that is unsuited to monthly accounting practices. There are many ways that financial services could be designed to assist these farmers.
26 January 2016
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Two farmers work with Wasil Foundation to purchase a tractor in Pakistan
For over 6 million smallholder farmers in Pakistan, financing options are extremely limited. The Wasil Foundation, winner of the 2013 Islamic Microfinance Challenge, offers an alternative to traditional financing that enables farmers to build assets and sustainable livelihoods.
22 January 2016
Women bring their farm products to a market in Uganda.
While there are clear benefits for buyers in digitized agricultural value chains, but the value proposition is less certain for farmers.
15 January 2016
Men load bags of grain in a warehouse in Rwanda
For the 7% of the world's smallholder farmers who work in tight value chains, digitizing the steps required to move an agricultural product from the farm to final customers could be an opportunity to deepen financial inclusion.
10 November 2015
A farmer in Senegal holds up scratch cards
For the world’s smallholder families, risk is an ever-present part of daily life. Minimizing the risk of trying digital financial services was one of the key takeaways from CGAP’s four smallholder-focused human-centered design projects.


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