Demand for Financial Services

National Surveys

From 2013 to 2017, CGAP engaged thousands of small-scale farmers around the world through nationally representative surveys and financial diaries to learn how financial services can better meet their needs.

CGAP conducted nationally representative surveys of smallholder households in six countries: Bangladesh, Côte d’Ivoire, Mozambique, Nigeria, Tanzania and Uganda. The research sheds light on smallholders’ agricultural and financial lives, covering agricultural and non-agricultural income sources, financial behaviors and tools, mobile phone usage, and a range of attitudes and perceptions. The data shows the diversity of the sector. It can be used by financial services providers to tailor their smallholder products and by funders and policy makers to inform interventions.

Smallholder family in Mozambique. Allison Shelley for CGAP

Photo by Allison Shelley for CGAP

Data Hub

Easy access to more than 300,000 data points on smallholder families' financial lives, drawn from nationally representative household surveys across six countries.

Smallholder in Mozambique. Allison Shelley for CGAP

Photo by Allison Shelley for CGAP

Executive Summary

Each short section in this summary complements CGAP data and insights for each country and addresses what the data tells us and what this means for FSPs and others.

In-depth analysis

Data and user guide

Financial Diaries

Financial diaries in Mozambique, Pakistan and Tanzania complement the national surveys, offering a unique window into smallholders’ financial lives and money management approaches. The diaries track all cash flows over a year for 270 smallholder households in the three markets.