Evans School Policy Analysis & Research Group (EPAR)

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.

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.

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. 

Estimates suggest that women grow 70-80 percent of Africa’s food crops, which may constrain their involvement in cash crop production, if food crop production places additional demands their time, resources and labor.  There is little evidence regarding women’s motivations or decisions to grow cash versus food crops. Similarly, the policy literature on cotton production and markets in Sub-Saharan Africa (SSA) does not explicitly address the issue of gender, further limiting the information available on the impact of cotton production on women. This brief provides an overview of the role of women in cotton production, and provides a framework for analyzing barriers to women and technology’s impact on women throughout the cropping cycle. We find that women are typically not the primary cultivators of cotton, and that cotton production is a household cultivation strategy, especially in West and Central Africa. Cotton cultivation often provides access to fertilizers, pesticides and extension services that are otherwise unavailable to households. Women have benefitted from household cotton income when they have input in intra-household resource allocation decisions or when they are able to grow cotton on personal plots and have control over the income it generates. Women also benefit from cotton when it offers them the opportunity to engage in paid labor. The data suggests, however, that cotton cultivation can negatively impact women when it increases their unpaid agricultural labor burden or exposes them to harmful chemicals.