Howard Miller

Howard Miller is a consultant working with CGAP's climate resilience team on the approaches that public funders can take to promote climate responsive financial services. He previously led research on climate at the Center for Financial Inclusion and before that has worked for clients including USAID, IFAD, FSD Africa and UNCDF on climate and rural finance. He is based in Italy.

By Howard Miller

Blog

When Funders Unite: A Financing Stack for Climate Resilience

When it comes to resilience financing, there is no ‘one-size-fits-all’: different types of financial institutions need different things at different times. Here we unveil our ‘Climate Resilience Financing Stack’ – a vision for what a well-financed, climate-resilient, inclusive financial sector requires.
Blog

Tailored and Systemic: Navigating Climate Risks With Market-Aligned Responses

Climate risks pose challenges for vulnerable communities, FSPs, and their supporters. Understanding these risks—and how public and private actors can respond—is key to advancing climate adaptation and building resilience.
Research

Strengthening Financial Systems for Climate Adaptation

As climate-related shocks become more frequent, communities need access to finance that helps them cope with and recover from damage and loss, yet current efforts to strengthen financial systems’ resilience often overlook the importance of inclusion. This paper outlines how governments and funders can foster inclusive financial systems that enhance climate adaptation and resilience.
Blog

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.
Research

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.