EPAR Technical Report #355 and EPAR Research Briefs #355A & #355B & #355C
Publication Date: 06/15/2018
Type: Literature Review
Abstract

Many low- and middle-income countries remain challenged by a financial infrastructure gap, evidenced by very low numbers of bank branches and automated teller machines (ATMs) (e.g., 2.9 branches per 100,000 people in Ethiopia versus 13.5 in India and 32.9 in the United States (U.S.) and 0.5 ATMs per 100,000 people in Ethiopia versus 19.7 in India and 173 in the U.S.) (The World Bank 2015a; 2015b). Furthermore, only an estimated 62 percent of adults globally have a banking account through a formal financial institution, leaving over 2 billion adults unbanked (Demirgüç–Kunt et al., 2015). While conventional banks have struggled to extend their networks into low-income and rural communities, digital financial services (DFS) have the potential to extend financial opportunities to these groups (Radcliffe & Voorhies, 2012). In order to utilize DFS however, users must convert physical cash to electronic money which requires access to cash-in, cash-out (CICO) networks—physical access points including bank branches but also including “branchless banking" access points such as ATMs, point-of-sale (POS) terminals, agents, and cash merchants. As mobile money and branchless banking expand, countries are developing new regulations to govern their operations (Lyman, Ivatury, & Staschen, 2006; Lyman, Pickens, & Porteous, 2008; Ivatury & Mas, 2008), including regulations targeting aspects of the different CICO interfaces. 

EPAR's work on CICO networks consists of five components. First, we summarize types of recent mobile money and branchless banking regulations related to CICO networks and review available evidence on the impacts these regulations may have on markets and consumers. In addition to this technical report we developed a short addendum (EPAR 355a) which includes a description of findings on patterns around CICO regulations over time. Another addendum (EPAR 355b) summarizes trends in exclusivity regulations including overall trends, country-specific approaches to exclusivity, and a table showing how available data on DFS adoption from FII and GSMA might relate to changes in exclusivity policies over time. A third addendum (EPAR 355c) explores trends in CICO network expansion with a focus on policies seeking to improve access among more remote or under-served populations. Lastly, we developed a database of CICO regulations, including a regulatory decision options table which outlines the key decisions that countries can make to regulate CICOs and a timeline of when specific regulations related to CICOs were introduced in eight focus countries, Bangladesh, India, Indonesia, Kenya, Nigeria, Pakistan, Tanzania, and Uganda.

EPAR Technical Report #330
Publication Date: 11/22/2017
Type: Data Analysis
Abstract

A large and growing body of scholarship now suggests that many household outcomes, including children’s education and nutrition, are associated with a wife’s bargaining power and control over household decision-making. In turn, bargaining power in a household is theorized to be driven by a wife’s financial and human capital assets – in particular the degree to which these assets contribute to household productivity and/or to the wife’s exit options. This paper draws on the detailed Farmer First dataset in Tanzania and Mali to examine husband and wife reports of a wife’s share of decision-making authority in polygynous households, where multiple wives jointly contribute to household productivity, and where exit options for any single wife may be less credible. We find that both husbands and wives assign less authority to the wife in polygynous households relative to monogamous households. We also find that a wife’s assets are not as strongly associated with decision-making authority in polygynous versus monogamous contexts.  Finally, we find that responses to questions on spousal authority vary significantly by spouse in both polygynous and monogamous households, suggesting interventions based on the response of a single spouse may incorrectly inform policies and programs.

Code
EPAR Technical Report #340
Publication Date: 12/12/2016
Type: Data Analysis
Abstract

Previous research has shown that men and women, on average, have different risk attitudes and may therefore see different value propositions in response to new opportunities. We use data from smallholder farm households in Mali to test whether risk perceptions differ by gender and across domains. We model this potential association across six risks (work injury, extreme weather, community relationships, debt, lack of buyers, and conflict) while controlling for demographic and attitudinal characteristics. Factor analysis highlights extreme weather and conflict as eliciting the most distinct patterns of participant response. Regression analysis for Mali as a whole reveals an association between gender and risk perception, with women expressing more concern except in the extreme weather domain; however, the association with gender is largely absent when models control for geographic region. We also find lower risk perception associated with an individualistic and/or fatalistic worldview, a risk-tolerant outlook, and optimism about the future, while education, better health, a social orientation, self-efficacy, and access to information are generally associated with more frequent worry— with some inconsistency. Income, wealth, and time poverty exhibit complex associations with perception of risk. Understanding whether and how men’s and women’s risk preferences differ, and identifying other dominant predictors such as geographic region and worldview, could help development organizations to shape risk mitigation interventions to increase the likelihood of adoption, and to avoid inadvertently making certain subpopulations worse off by increasing the potential for negative outcomes.

Code
EPAR Technical Report #180
Publication Date: 10/27/2016
Type: Data Analysis
Abstract

We use OLS and logistic regression to investigate variation in husband and wife perspectives on the division of authority over agriculture-related decisions within households in rural Tanzania. Using original data from husbands and wives (interviewed separately) in 1,851 Tanzanian households, the analysis examines differences in the wife’s authority over 13 household and farming decisions. The study finds that the level of decision-making authority allocated to wives by their husbands, and the authority allocated by wives to themselves, both vary significantly across households. In addition to commonly considered assets such as women’s age and education, in rural agricultural households women’s health and labour activities also appear to matter for perceptions of authority. We also find husbands and wives interviewed separately frequently disagree with each other over who holds authority over key farming, family, and livelihood decisions. Further, the results of OLS and logistic regression suggest that even after controlling for various individual, household, and regional characteristics, husband and wife claims to decision-making authority continue to vary systematically by decision – suggesting decision characteristics themselves also matter. The absence of spousal agreement over the allocation of authority (i.e., a lack of “intrahousehold accord”) over different farm and household decisions is problematic for interventions seeking to use survey data to develop and inform strategies for reducing gender inequalities or empowering women in rural agricultural households. Findings provide policy and program insights into when studies interviewing only a single spouse or considering only a single decision may inaccurately characterize intra-household decision-making dynamics. 

EPAR Research Brief #344
Publication Date: 08/10/2016
Type: Research Brief
Abstract

This brief presents an overview of EPAR’s previous research related to gender. We first present our key takeaways related to labor and time use, technology adoption, agricultural production, control over income and assets, health and nutrition, and data collection. We then provide a brief overview of each previous research project related to gender along with gender-related findings, starting with the most recent project. Many of the gender-related findings draw from other sources; please see the full documents for references. Reports available on EPAR’s website are hyperlinked in the full brief. 

EPAR Research Brief #205
Publication Date: 01/29/2013
Type: Research Brief
Abstract

Consumer attitudes are a key component in private sector market segmentation. Knowledge about consumers’ tastes can lead to better product design and more effective communication with target markets. Similarly, evidence suggests that farmers’ attitudes influence whether they adopt productivity-increasing technologies. Using consumer insights from the private sector, agricultural intervention programs can use market research, product development, and communication strategies to better understand farmers as consumers and best target interventions. This brief provides an overview of how farmers' attitudes affect their willingness to adopt new technology, and how knowledge of farmer attitudes can improve program design and implementation.

EPAR Technical Report #102
Publication Date: 12/13/2010
Type: Literature Review
Abstract

Water is a critical input for significantly enhancing smallholder farmer productivity in Sub-Saharan Africa (SSA) where less than 5% of farm land is irrigated, and in India where 42% of farm land is irrigated.  For many years, donors have invested in human-powered treadle pump technologies as a point of entry for smallholder farmers unable to afford motorized pumps. In spite of some successes in treadle pump promotion, however, there is a widespread perception that as soon as smallholder farmers can afford to they quickly transition to motorized diesel- powered pumps. While diesel pumps substantially ease farmers’ workload, they pollute excessively (both in terms of local air quality and greenhouse gas emissions), pump excessive amounts of water, and put farmers at the mercy of cyclical spikes in fuel prices. This brief provides an overview of state-of-the-art alternative energy pumps, including technologies available and implementation lessons learned from China, India, Africa, South America and other regions. Through a literature review, written surveys and phone interviews with water pump producers and non-governmental organizations (NGOs) we evaluate the availability, affordability, and adoption rates of alternative energy technologies in developing countries. Our findings suggest that no single alternative energy water pumping system is a “silver bullet” for rural smallholder irrigation needs. Biofuels may prove a successful short- to intermediate-term solution for farmers who already have access to diesel pumps, but other problems associated with diesel engines, including high maintenance costs and excessive water use remain even when biofuels are used. Solar systems eliminate pollution almost entirely, reduce water consumption, and eliminate the need to purchase fuels. However solar systems are typically prohibitively expensive for smallholder farmers. Wind powered pumping solutions have not proven successful to date, with high costs and irregular wind patterns (either too little or too much wind) proving substantial barriers to widespread adoption.

EPAR Technical Report #94
Publication Date: 08/17/2010
Type: Literature Review
Abstract

Market-oriented agricultural production can be a mechanism to increase smallholder farmer welfare, rural market performance, and contribute to overall economic growth. Cash crop production can allow households to increase their income by producing output with higher returns to land and labor and using the income generated from sales to purchase goods for consumption. However, in the face of missing and underperforming markets, African smallholder households are often unable to produce efficiently or obtain staple foods reliably and cheaply. This literature review summarizes the available literature on the impact of smallholder participation in cash crop and export markets on household welfare and rural markets. The review focuses exclusively on evidence from Sub-Saharan Africa regarding top and emerging export crops, with the addition of tobacco and horticulture due to the volume of research relevant to smallholder welfare gains from the production of these crops. It includes theoretical frameworks, case studies, empirical evidence, and historical analysis from 42 primary empirical studies and 112 resources overall.

EPAR Research Brief #67
Publication Date: 03/08/2010
Type: Literature Review
Abstract

Contract farming (CF) is an arrangement between farmers and a processing or marketing firm for the production and supply of agricultural products, often at predetermined prices. This literature review builds on EPAR's review of smallholder contract farming in Sub-Saharan Africa (SSA) and South Asia (EPAR Technical Report #60)  by specifically examining the evidence on impacts and potential benefits of contract farming for women in SSA. Key takeaways suggest women’s direct participation in contract farming is limited, with limited access to land and control over the allocation of labor and cash resources key constraints hindering women’s ability to benefit from CF. Further, we find that the impact of contract farming on women is often mediated by their relative bargaining power within the household.  

EPAR Research Brief #64
Publication Date: 03/03/2010
Type: Research Brief
Abstract

Introducing technology that is designed to be physically appropriate and valuable to women farmers can increase yields and raise income. But gender issues for agricultural technology projects in Sub-Saharan Africa (SSA) are extremely complex. The EPAR series on Gender and Cropping in SSA offers examples of how these issues can affect crop production and adoption of agricultural technologies at each point in the crop cycle for eight crops (cassava, cotton, maize, millet, rice, sorghum, wheat, and yam). This executive summary highlights innovative opportunities for interventions that consider these dimensions of gender. We encourage readers to consult the crop specific briefs for more details. We find that involving both men and women in the development, testing, and dissemination of agricultural technology has been shown to be successful in helping both benefit. Nevertheless, a consistent finding throughout the Gender and Cropping in SSA series is that maximum benefits from technological innovations cannot be realized when upstream factors like education, power, and land tenure heavily influence outcomes. Addressing these more basic upstream causes of gender inequality may be even more important in helping households increase productivity and maximize the benefits of technological interventions.