Publication

A Digital Credit Revolution: Insights from Borrowers in Kenya and Tanzania

To identify who is using digital credit, the purposes for which it is used, and the risks borrowers experience, CGAP, FSD Kenya, and FSD Tanzania undertook the first large-scale surveys dedicated to these topics.
Slide Deck

Digital Credit Market Monitoring in Tanzania

Transactional and demographic data on over 20 million digital loans in Tanzania paints a first-of-its-kind picture of the digital credit market, revealing troubling rates of delinquency and default and suggesting that funders should place greater emphasis on consumer protection.
Publication

Building Inclusive Payment Ecosystems in Tanzania and Ghana

Across Sub-Saharan Africa, new success stories are playing out, yet little is understood about the approaches many countries in the region have taken to develop inclusive payment ecosystems. CGAP set out to examine pathways to inclusive payment ecosystems in two Sub-Saharan African countries, Tanzania and Ghana, to learn from their experiences.
Publication

Basic Regulatory Enablers for Digital Financial Services

CGAP shows how an enabling regulatory framework that is based on four enablers has contributed to advancing digital financial services in 10 countries.
Publication

Female Smallholders in the Financial Inclusion Agenda

This Brief explores the gender gap in financial inclusion among smallholder families in Tanzania and Mozambique through unique survey data that allow for a nationally representative look at smallholders.
Publication

Escaping Darkness: Understanding Consumer Value in PAYGo Solar

This paper uses research and interviews with customers to understand the value they derive from PAYGo solar, why they decided to purchase it, how they were able to afford and pay for it, and whether they considered the product a “good deal” in the end.
Publication

Development Finance Institutions and Financial Inclusion

It is time for DFIs to adopt an alternative approach to financial inclusion that prioritizes needed market changes. A shift to a market systems approach addresses this need and requires that DFIs carefully analyze each market to determine the key gaps, underlying causes, critical actors, and theory of change for bringing about sustainable market development.
Publication

National Survey and Segmentation of Smallholder Households in Tanzania

This report examines how smallholder families in Tanzania manage their income and expenses, along with the challenges they face that often lead to financial instability. These findings are based on a nationally representative survey of smallholder households conducted in 2015.
Publication

CGAP Smallholder Household Surveys: Tanzania User Guide

Over three-quarters of the population in Tanzania are involved in the agriculture sector. Yet despite their active financial and agricultural lives, smallholders in Tanzania have few tools to manage their irregular and volatile household cash flows.
Publication

Smallholder Households: Understanding Demand, Driving Innovation

While there has been renewed appreciation for how reaching smallholder households could drive financial inclusion, little is known about this unique, yet massive client group.