Caroline Ayes

Caroline Ayes is a researcher for women's financial inclusion on CGAP's Strategy, Research and Development team. She is also a graduate student studying international development and economics at Johns Hopkins University School of Advanced International Studies. Caroline served with the Peace Corps in Morocco as a youth development volunteer. She holds a bachelor's degree in political communication from George Washington University.

By Caroline Ayes


Cultivating Opportunities for Women in Agriculture

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.

How Social Norms Affect Women’s Financial Inclusion

Four in 10 women and girls around the world are excluded from the formal financial system. Restrictive social norms are one major factor that limits women's financial inclusion. Here's why norms matter.