Research Topics

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 Research Brief #316
Publication Date: 12/13/2015
Type: Literature Review
Abstract

The literature on poverty’s causes and cures in developing countries posits a variety of contributing factors. Most researchers acknowledge that a sustained exit from poverty is complex and no single causal pathway from poverty to non-poverty exists. In this review, we present a summary framework for categorizing the various theorized pathways out of poverty, and evaluate the empirical evidence for which interventions and resulting outcomes are most frequently and most strongly associated with poverty alleviation. We conducted a literature review on pathways out of poverty for low-income households in developing countries and identified and categorized general strategies and outcomes demonstrated to be empirically associated with poverty alleviation. We organized the general strategies into four asset groups that could be targeted to alleviate poverty: human, natural, built / financial, and social / political. Much of the literature presents positive results on poverty alleviation, but it is difficult to compare across studies because many of the studies were conducted in different countries and at different scales, and use a variety of outcome measures.

EPAR Technical Report #307
Publication Date: 09/30/2015
Type: Literature Review
Abstract

This report reviews and summarizes the existing evidence on the impact of access to financial services/products on measures of production, income and wealth, consumption and food security, and resilience for smallholder farmers  and other rural customers and their households in Sub-Saharan Africa. This study covers four main types of financial products/services: 1) credit; 2) savings; 3) insurance; 4) transactional products. We also review the very limited evidence on the effectiveness of bundling these products/services together and of combining them with other offerings such as trainings or support for access to markets, and of providing them via digital channels. We note when financial products/services have been specifically designed to serve the needs of rural customers or smallholder farmers, since the needs of these groups are often very different from those of other stakeholders.

EPAR Technical Report #313
Publication Date: 09/08/2015
Type: Literature Review
Abstract

We review the literature on the status of interoperable payment schemes and regulations for financial services (particularly mobile money) in 46 developing countries, and identify examples of countries with interoperable mobile money schemes and/or regulations pertaining to mobile money and/or interoperability. Following a brief introduction to mobile money and interoperability, we present an overview of the status of mobile money in the 46 selected countries. We then review country regulations regarding both mobile money and payment systems as well as the form of these regulations (National Payment Law or Strategy, regulations, guidelines, etc.) for each country. We further discuss mobile money regulations, specifically regulations that pertain to bank-based versus non-bank based mobile money schemes, regulatory safeguards, and agent banking. In the final section we review regulations pertaining to interoperable mobile money services and outline where such regulations have been documented, highlighting countries with interoperable mobile money markets. 

EPAR Technical Report #311
Publication Date: 08/06/2015
Type: Literature Review
Abstract

This report provides a summary of findings from six Financial Inclusion Insights (FII) data analysis reports conducted by various agencies for the Bill & Melinda Gates Foundation (BMGF). These reports investigate barriers to financial inclusion and use of digital financial services (DFS) in Bangladesh, India, Kenya, Nigeria, Pakistan, Tanzania, and Uganda. We compile comparable gender-specific statistics, summarize the authors’ findings to determine commonalities and differences across countries, and highlight gender-specific conclusions and recommendations provided in the studies. 

EPAR Research Brief #216
Publication Date: 08/08/2013
Type: Data Analysis
Abstract

In this brief we analyze patterns of intercropping and differences between intercropped and monocropped plots among smallholder farmers in Tanzania using data from the 2008/2009 wave of the Tanzania National Panel Survey (TZNPS), part of the Living Standards Measurement Study – Integrated Surveys on Agriculture (LSMS-ISA). Intercropping is a planting strategy in which farmers cultivate at least two crops simultaneously on the same plot of land. In this brief we define intercropped plots as those for which respondents answered “yes” to the question “Was cultivation intercropped?” We define “intercropping households” as those households that intercropped at least one plot at any point during the year in comparison to households that did not intercrop any plots. The analysis reveals few significant, consistent productivity benefits to intercropping as currently practiced. Intercropped plots are not systematically more productive (in terms of value produced) than monocropped plots. The most commonly cited reason for intercropping was to provide a substitute crop in the case of crop failure. This suggests that food and income security are primary concerns for smallholder farmers in Tanzania. A separate appendix includes the details for our analyses.

EPAR Research Brief #230
Publication Date: 04/29/2013
Type: Literature Review
Abstract

This paper is the third in EPAR’s series on Higher Education in Africa. Our research tasks in this phase build on Phase I, in which we sought to identify measurable rates of return on tertiary agricultural education in Africa and describe the current state of African higher agricultural education (HAE), and Phase II, in which we identified countries’ experiences with national higher education capacity building through partnership building, cross-border opportunities such as ‘twinning,’ and various retention and diaspora engagement strategies. In this phase we discuss successful regional education models, particularly in Sub-Saharan Africa. We have organized our findings and analysis into three sections.The first section organizes the literature under categories of regional higher education models or ‘hubs’ and discusses measurement of the regional impact of higher education. The second section provides bibliometric data identifying academically productive countries and universities in Sub-Saharan Africa.The final section provides a list of regional higher education models identified in the literature and through a web-based review of existing higher education networks and hubs. We also include a list of challenges and responses to regional coordination.

EPAR Research Brief #51
Publication Date: 07/02/2009
Type: Research Brief
Abstract

Yam is a major staple in West and Central Africa and an important supplementary food in East Africa. In Sub-Saharan Africa (SSA), virtually all yams are produced for human consumption, with women responsible for processing yams for consumption. This brief provides an overview of the role of women in yam production, and provides a framework for analyzing barriers to women and technology’s impact on women throughout the cropping cycle. We find that though yam was traditionally considered a man’s crop, it is clear that women farmers contribute greatly to yam cultivation, especially during weeding, harvesting, and processing. Propagation of improved varieties with resistance to pests and diseases like yam mosaic disease has great potential to benefit women farmers. Increased yields and lower post-harvest losses will increase household food security.  However, because yams extract high amounts of nutrients from the soil, soil and land management techniques are necessary to ensure future gains in yield. Women’s groups serve as potential venues for dissemination of new yam cultivation and processing technologies.  Additionally, women’s groups can undertake new propagation techniques as income generating activities.  Women farmers need increased extension efforts to fully benefit from technology improvements.

EPAR Research Brief #40
Publication Date: 06/29/2009
Type: Research Brief
Abstract

The millets, a group of small-seeded grasses indigenous to Africa, are an extremely important staple food in resource-poor regions of Sub-Saharan Africa (SSA). Millet requires few inputs, suffers less from insect pests and disease than other grains,  and can tolerate areas even too hot and dry for sorghum.  These characteristics make millet an essential component of food security and risk management strategies for many Africans, though both consumption and production per capita of millet has declined in the last 20 years as farmers have shifted toward maize and rice production. This brief provides an overview of the role of women in millet production, and provides a framework for analyzing barriers to women and technology’s impact on women throughout the cropping cycle. We find that the shift away from millet may result in poorer nutrition and increased time burden for women where they must find alternatives to millet fuel, but that little is known about these consequences. Investing in improved varieties that account for both men’s and women’s preferences, introducing labor-saving technology, and increasing market access all have the potential to increase millet’s production and consumption on the continent. 

EPAR Research Brief #39
Publication Date: 06/05/2009
Type: Research Brief
Abstract

Sorghum grows well in arid and semi-arid agroecological zones and is thus one of the most important cereals in the Sahel region of Sub-Saharan Africa (SSA). Both men and women cultivate sorghum primarily for household consumption, though women are nearly exclusively responsible for post-harvest production of the grain, including brewing and selling sorghum beer.  This brief provides an overview of the role of women in sorghum production, and provides a framework for analyzing barriers to women and technology’s impact on women throughout the cropping cycle. We find that improved sorghum varieties have the potential to greatly increase sorghum yields in SSA by alleviating cultivation threats from striga, pests, and drought.  Because women farmers are the primary cultivators of sorghum, they stand to benefit most from these improved varieties. However, low adoption rates of new technologies suggest that more resources need to be dedicated to extension efforts and informal seed distribution networks that include women farmers. Post-harvest processing of sorghum is both time and labor intensive and is causing many women farmers to transition to maize or rice.  Finally, increased demand for sorghum as a biofuel stock may not translate into gains for women farmers as expected, because women farmers tend to lack input resources, and women farmers often lose control over crops as they transition to cash crops.