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 #349
Publication Date: 11/30/2017
Type: Literature Review
Abstract

Donor countries and multilateral organizations may pursue multiple goals with foreign aid, including supporting low-income country development for strategic/security purposes (national security, regional political stability) and for short-and long-term economic interests (market development and access, local and regional market stability). While the literature on the effectiveness of aid in supporting progress on different indicators of country development is inconclusive, donors are interested in evidence that aid funding is not permanent but rather contributes to a process by which recipient countries develop to a point that they are economically self-sufficient. In this report, we review the literature on measures of country self-sufficiency and descriptive evidence from illustrative case studies to explore conditions associated with transitions toward self-sufficiency in certain contexts.

  

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 #339
Publication Date: 09/28/2017
Type: Data Analysis
Abstract

An ongoing stream of EPAR research considers how public good characteristics of different types of research and development (R&D) and the motivations of different providers of R&D funding affect the relative advantages of alternative funding sources. For this project, we seek to summarize the key public good characteristics of R&D investment for agriculture in general and for different subsets of crops, and hypothesize how these characteristics might be expected to affect public, private, or philanthropic funders’ investment decisions. 

Code
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 #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 #312
Publication Date: 07/30/2015
Type: Literature Review
Abstract

This brief reviews the evidence of realized yield gains by smallholder farmers attributable to the use of high-quality seed and/or improved seed varieties. Our analysis suggests that in most cases, use of improved varieties and/or quality seed is associated with modest yield increases.  In the sample of 395 trials reviewed, positive yield changes accompanied the use of improved variety or quality seed, on average, in 10 out of 12 crops, with rice and cassava as the two exceptions.

EPAR Technical Report #298
Publication Date: 03/23/2015
Type: Literature Review
Abstract

Cassava production is prone to many constraints throughout the production cycle, including biotic, abiotic, and management constraints. This brief reviews the literature on the production impacts of two key cassava stressors: cassava bacterial blight (CBB) and postharvest physiological deterioration (PPD). We summarize available estimates of the frequency and magnitude of these constraints relative to other drivers of cassava production losses that affect smallholder farmers in Sub-Saharan Africa (SSA), review the control strategies proposed in the literature, report on the views of several experts in the field, and identify research gaps where relatively little appears to be known about CBB or PPD yield impacts or best practices for CBB or PPD management. 

EPAR Technical Report #295
Publication Date: 02/22/2015
Type: Literature Review
Abstract

This report reviews the literature on textural attributes of Root, Tuber, and Banana (RTB) crops with a focus on studies relevant for crop research and development in Sub-Saharan Africa. The texture of cooked root and tuber crops is often cited as a primary determinant of consumer acceptability of new varieties, including those produced through traditional breeding and through genetic engineering. Evidence from texture-related consumer preferences studies for the RTB crops tropical yam, sweetpotato, banana/plantain, cassava, and potato, as well as the results of physicochemical and genetic studies detailing the current scientific understanding of drivers of textural traits, is reviewed and synthesized.