EPAR TECHNICAL BRIEF #383
Publication Date: 02/28/2019
Type: Research Brief
Abstract

This document is an initial scoping of the theory and evidence linking digital services to women’s rural-to-urban migration. The document contains (1) a survey of the literature on digital financial services to discern how often this body of literature considers gender-disaggregated impacts on migration, (2) a detailed review of 13 hypotheses regarding the effects of digital services on women’s migration to cities, and (3) an illustrative overview of rural-urban migration patterns and digital technology usage in two East African countries (Ethiopia and Tanzania).

EPAR Technical Report #363
Publication Date: 02/10/2019
Type: Data Analysis
Abstract

Studies of improved seed adoption in developing countries almost always draw from household surveys and are premised on the assumption that farmers are able to self-report their use of improved seed varieties. However, recent studies suggest that farmers’ reports of the seed varieties planted, or even whether seed is local or improved, are sometimes inconsistent with the results of DNA fingerprinting of farmers' crops. We use household survey data from Tanzania to test the alignment between farmer-reported and DNA-identified maize seed types planted in fields. In the sample, 70% of maize seed observations are correctly reported as local or improved, while 16% are type I errors (falsely reported as improved) and 14% are type II errors (falsely reported as local). Type I errors are more likely to have been sourced from other farmers, rather than formal channels. An analysis of input use, including seed, fertilizer, and labor allocations, reveals that farmers tend to treat improved maize differently, depending on whether they correctly perceive it as improved. This suggests that errors in farmers' seed type awareness may translate into suboptimal management practices. In econometric analysis, the measured yield benefit of improved seed use is smaller in magnitude with a DNA-derived categorization, as compared with farmer reports. The greatest yield benefit is with correctly identified improved seed. This indicates that investments in farmers' access to information, seed labeling, and seed system oversight are needed to complement investments in seed variety development.

EPAR TECHNICAL REPORT #362
Publication Date: 01/16/2019
Type: Data Analysis
Abstract

Self-Help Groups (SHGs) in Sub-Saharan Africa can be defined as mutual assistance organizations through which individuals undertake collective action in order to improve their own lives. “Collective action” implies that individuals share their time, labor, money, or other assets with the group. In a recent EPAR data analysis, we use three nationally-representative survey tools to examine various indicators related to the coverage and prevalence of Self-Help Group usage across six Sub-Saharan African countries. EPAR has developed Stata .do files for the construction of a set of self-help group indicators using data from the Living Standards Measurement Study - Integrated Surveys on Agriculture (LSMS-ISA), Financial Inclusion Index (FII), and FinScope.

We compiled a set of summary statistics for the final indicators using data from the following survey instruments:

  • Ethiopia:
    • Ethiopia Socioeconomic Survey (ESS), Wave 3 (2015-16)
  • Kenya:
    • Kenya FinScope, Wave 4 (2015)
    • Kenya FII, Wave 4 (2016)
  • Nigeria
    • Nigeria FII, Wave 4 (2016)
  • Rwanda:
    • Rwanda FII, Wave 4 (2016)
  • Tanzania:
    • Tanzania National Panel Survey (TNPS), Wave 4 (2014-15)
    • Tanzania FinScope, Wave 4 (2017)
    • Tanzania FII, Wave 4 (2016)
  • Uganda:
    • Uganda FinScope, Wave 3 (2013)
    • Uganda FII, Wave 4 (2016)

The raw survey data files are available for download free of charge from the World Bank LSMS-ISA website, the Financial Sector Deepening Trust website, and the Financial Inclusion Insights website. The .do files process the data and create final data sets at the household (LSMS-ISA) and individual (FII, FinScope) levels with labeled variables, which can be used to estimate summary statistics for the indicators.

All the instruments include nationally-representative samples. All estimates from the LSMS-ISA are household-level cluster-weighted means, while all estimates from FII and FinScope are calculated as individual-level weighted means. The proportions in the Indicators Spreadsheet are therefore estimates of the true proportion of individuals/households in the national population during the year of the survey. EPAR also created a Tableau visualization of these summary statistics, which can be found here.

We have also prepared a document outlining the construction decisions for each indicator across survey instruments and countries. We attempted to follow the same construction approach across instruments, and note any situations where differences in the instruments made this impossible.

The spreadsheet includes estimates of the following indicators created in our code files:

Sub-Populations

  • Proportion of individuals who have access to a mobile phone
  • Proportion of individuals who have official identification
  • Proportion of individuals who are female
  • Proportion of individuals who use mobile money
  • Proportion of individuals who have a bank account
  • Proportion of individuals who live in a rural area
  • Individual Poverty Status
    • Two Lowest PPI Quintiles
    • Middle PPI Quintile
    • Two Highest PPI Quintiles

Coverage & Prevalence

  • Proportion of individuals who have interacted with a SHG
  • Proportion of individuals who have used an SHG for financial services
  • Proportion of individuals who depend most on SHGs for financial advice
  • Proportion of individuals who have received financial advice from a SHG
  • Proportion of households that have interacted with a SHG
  • Proportion of households in communities with at least one SHG
  • Proportion of households in communities with access to multiple farmer cooperative groups
  • Proportion of households who have used an SHG for financial services

Characteristics
In addition, we produced estimates for 29 indicators related to characteristics of SHG use including indicators related to frequency of SHG use, characteristics of SHG groups, and individual/household trust of SHGs.

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 #335
Publication Date: 11/21/2017
Type: Data Analysis
Abstract
EPAR has developed Stata do.files for the construction of a set of agricultural development indicators using data from the Living Standards Measurement Study - Integrated Surveys on Agriculture (LSMS-ISA). We are sharing our code and documenting our construction decisions both to facilitate analyses of these rich datasets and to make estimates of relevant indicators available to a broader audience of potential users. 
Code, Code, Code, Code
EPAR Technical Report #317
Publication Date: 11/16/2017
Type: Data Analysis
Abstract

In this report we analyze three waves nationally-representative household survey data from Kenya, Uganda, Tanzania, Nigeria, Pakistan, Bangladesh, India, and Indonesia to explore sociodemographic and economic factors associated with mobile money adoption, awareness, and use across countries and over time. Our findings indicate that to realize the potential of digital financial services to reach currently unbanked populations and increase financial inclusion, particular attention needs to be paid to barriers faced by women in accessing mobile money. While policies and interventions to promote education, employment, phone ownership, and having a bank account may broadly help to increase mobile money adoption and use, potentially bringing in currently unbanked populations, specific policies targeting women may be needed to close current gender gaps.

Code
EPAR Technical Report #357
Publication Date: 08/01/2017
Type: Literature Review
Abstract

Land tenure refers to a set of land rights and land governance institutions which can be informal (customary, traditional) or formal (legally recognized), that define relationships between people and land and natural resources (FAO, 2002). These land relationships may include, but are not limited to, rights to use land for cultivation and production, rights to control how land should be used including for cultivation, resource extraction, conservation, or construction, and rights to transfer – through sale, gift, or inheritance – those land use and control rights (FAO, 2002). In this project, we review 38 land tenure technologies currently being applied to support land tenure security across the globe, and calculate summary statistics for indicators of land tenure in Tanzania and Ethiopia.

Code
EPAR Technical Report #337
Publication Date: 06/20/2016
Type: Data Analysis
Abstract

Relative to chronic hunger, seasonal hunger in rural and urban areas of Africa is poorly understood. No estimates are compiled, and limited evidence exists on prevalence, causes, and impacts. This paper contributes to the body of evidence by examining the extent and potential drivers of seasonal hunger using panel data from the Malawi Integrated Household Panel Survey (IHPS). Farmers are commonly thought to use various strategies to smooth consumption, including planting “off-season” crops, investing in post-harvest storage technologies, or generally diversifying farm portfolios including livestock products and/or wild crops. Similarly, when markets are available, farmers may diversify through off-farm income sources in order to purchase food in lean seasons. We investigate whether seasonal hunger – distinct from chronic hunger – exists in Malawi, drawing on two waves of panel data from the LSMS-ISA series. We examine the extent of seasonal hunger, factors associated with variation in seasonal hunger, and how recurring and longer-term seasonal hunger might be associated with various household welfare measures. We find that both urban and rural households report experiencing seasonal hunger in the pre-harvest months, with descriptive evidence suggesting male gender, age, and education of household head, livestock ownership, and storage of crops are associated with lower levels of seasonal hunger. In addition, we find that Malawian households with seasonal hunger harvest crops earlier than average – a short-term coping mechanism that can reduce the crop’s yield and nutritional value, possibly perpetuating hunger.

Code
EPAR Technical Report #261
Publication Date: 06/14/2016
Type: Data Analysis
Abstract

Mobile technology is associated with a variety of positive development and social outcomes, and as a result reaching the “final frontier” of uncovered populations is an important policy issue. We use proprietary 2012 data on mobile coverage from Collins Bartholomew to estimate the proportion of the population living in areas without mobile coverage globally and in selected regions and countries, and use spatial analysis to identify where these populations are concentrated. We then compare our coverage estimates to data from previous years and estimates from the most recent literature to provide a picture of recent trends in coverage expansion, considering separately the trends for coverage of urban and rural populations. We find that mobile coverage expansion rates are slowing, as easier to reach urban populations in developing countries are now almost entirely covered and the remaining uncovered populations are more dispersed in rural areas and therefore more difficult and costly to reach. This analysis of mobile coverage trends was the focus of an initial report on mobile coverage estimates. In a follow-up paper prepared for presentation at the 2016 APPAM International Conference, we investigate the assumption that levels of mobile network coverage are related to the degree of market liberalization at the country level.

EPAR Technical Report #333
Publication Date: 03/29/2016
Type: Literature Review
Abstract

In this report, we analyze the evidence that improved and expanded access to financial services can be a pathway out of poverty in Bangladesh and Tanzania. A brief background review of finance and poverty reduction evidence at the country, household, and individual level emphasizes the importance of a functioning financial system and the need to remove individual and household barriers to capital accumulation. We follow with an in-depth literature review on studies that link poverty reduction in Bangladesh or Tanzania with one or more of five financial intervention categories: remittances; government subsidies; conditional and unconditional cash transfers; credit; and combination programs. The resulting empirical evidence from these sources reveal a high share (61%) of positive reported associations between a financial intervention and outcome measure related to our five chosen financial interventions. The remaining studies found insignificant or mixed associations, but very few (3 out of 56) indicate that access to a financial mechanism was associated with worsened poverty. The heterogeneity of study types and interventions makes it difficult to draw conclusions about the efficacy of one intervention over another, and more research is needed on whether such approaches constitute a durable, long-term exit from poverty.