Wajiha Ahmed

Wajiha Ahmed leads consumer research projects at BFA, working particularly in the management and analysis of Financial Diaries projects. She also manages measurement diagnostic exercises to track countries' progress towards shifts from "cash-heavy" to a greater use of electronic payments.

Prior to BFA, Wajiha worked at the World Bank, where she advised and worked with regional teams on the design and implementation of results-based financing projects. In particular, she focused on bottom-of-the-pyramid energy access pilots in South Asia and Sub-Saharan Africa. She has also worked as a consultant for the Aga Khan Foundation where she led field-based research on village savings groups in northern Pakistan and led a microfinance market research study for the Kashf Foundation in Punjab, Pakistan.

By Wajiha Ahmed


Financial Diaries with Smallholder Families

CGAP's Smallholder Diaries explores the financial lives of farming families in Mozambique, Tanzania and Pakistan.

Is the Hunger Season Really the Sick Season?

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?

The Complex Smallholder-Arthi Relationship in Pakistan

Arthis (agricultural agents) are an integral part of the financial lives of the Pakistani families taking part in the CGAP Smallholder Diaries research.

Early Insights from Financial Diaries of Smallholder Households

This Focus Note shares early insights from CGAP's ongoing Smallholder Diaries, providing a first look at the financial lives of smallholder households not only as agricultural producers, but also as consumers, laborers, and off-farm entrepreneurs.

Papayas and Digital Finance: Emerging Consumer Risks in Colombia

The results from recently conducted design workshops with digital financial services clients in Colombia point to simple, yet innovative ideas to help mitigate consumer risks in digital finance.