Howard Miller

Howard Miller is an independent consultant, based out of Bangalore, India. He works on projects around rural finance, inclusive fintech and data analytics for clients including CGAP, USAID, MasterCard Foundation, FSD Africa and MIX. He previously worked with Harvesting and before that with Nathan Associates.

By Howard Miller


How Are Funders Looking to Add Value in Digital Financial Inclusion?

The latest CGAP Funder Survey shows that less than half of development funding for digital financial inclusion goes to digital financial services (DFS) providers. Much of the funding instead goes toward building a DFS ecosystem.

Smallholder Households: Distinct Segments, Different Needs

CGAP research identifies three segments of smallholder households and uses data from nationally representative surveys of smallholder households to outline recommendations on high-value financial solutions.

5 Insights into Credit Scoring for Smallholders

Agricultural lending remains a frontier area even as the alternative lending space fills up with new players. Here are some early insights from CGAP's work on alternative credit scoring for smallholder farmers in Uganda.