Types of Research
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.
Household survey data are a key source of information for policy-makers at all levels. In developing countries, household data are commonly used to target interventions and evaluate progress towards development goals. The World Bank’s Living Standards Measurement Study - Integrated Surveys on Agriculture (LSMS-ISA) are a particularly rich source of nationally-representative panel data for six Sub-Saharan African countries: Ethiopia, Malawi, Niger, Nigeria, Tanzania, and Uganda. To help understand how these data are used, EPAR reviewed the existing literature referencing the LSMS-ISA and identified 415 publications, working papers, reports, and presentations with primary research based on LSMS-ISA data. We find that use of the LSMS-ISA has been increasing each year since the first survey waves were made available in 2009, with several universities, multilateral organizations, government offices, and research groups across the globe using the data to answer questions on agricultural productivity, farm management, poverty and welfare, nutrition, and several other topics.
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.
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.
This desk study reports on the small-scale machinery sector in China and a selection of SSA countries: Ethiopia, Tanzania, Nigeria, Burkina Faso, and Uganda. The report is organized into three sections. Section 1 discusses the current state of small-scale agricultural machinery in SSA for crop and livestock production in each of the SSA countries identified. It also seeks to identify major areas of need in terms of agricultural mechanization and major constraints to agricultural machinery adoption, dissemination and maintenance. Section 2 focuses on the agricultural machinery sector in China and Chinese Africa relationships in agricultural development. It also identifies the major government players in the Chinese agricultural machinery sector. Section 3 is a “directory” of small-scale agricultural machinery manufactured in China with potential relevance for SSA smallholder farmers. We divide machines by function (e.g. threshing) although many Chinese machines are multi-function and can serve multiple purposes. We also note applicable crops, if listed by the manufacturers, and technical specifications as available.
The purpose of this literature review is to provide qualitative and quantitative examples of technologies, constraints and incentives for efficient waste treatment and reuse in Sub-Saharan Africa and Southeast Asia. We present relevant case studies and expert observations and experiences on the nutrient content in urine and feces, contaminants frequently found in untreated sludge and wastewater, waste treatment technologies that may be relevant for low-income countries, risks associated with waste reuse, benefits to resource recovery in agriculture. We further discuss reasons for waste treatment failures, including urbanization, observations on challenges with market-driven reuse in less developed countries, and examples of net-positive energy facilities in Europe and the United States. Much of the evidence presented in the literature relates to wastewater treatment processes or the sludge produced from wastewater treatment as opposed to untreated fecal sludge. However, examples of risks, failures, and opportunities for raw sludge treatment and reuse are discussed when available. In some cases, empirical evidence or case studies were not available for developing countries and alternatives are presented. Overall we found the empirical evidence on waste treatment and reuse in developing countries is quite thin.
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.
Over the past several decades, donors, multilateral organizations and governments have invested substantial resources in developing and disseminating improved varieties of sorghum and millet in Sub-Saharan Africa (SSA). Researchers believe that sorghum and millet have the ability to improve food security and mitigate the influence of climate change on food production for some of the most vulnerable populations. As a result, agricultural scientists have focused on developing improved cultivars to increase the relative benefits of these two crops and disseminate this technology to a larger number of farmers. This report provides an overview of the development and dissemination of improved sorghum and millet cultivars, factors that influence the adoption of improved cultivars among farmers in SSA, and examples of interventions designed to encourage adoption in SSA. We find that while national governments and international research institutes have successfully developed a number of improved sorghum and millet cultivars, adoption rates in SSA (particularly in West and Central Africa) are low. The literature suggests that overall efforts have increased adoption rates, but at varying costs.
Bt maize technology involves developing hybrid maize crops that incorporate genes from the soil-dwelling bacteria Bacillus thuringiensis (Bt). The primary benefit of Bt maize technology is the heightened crop protection from stem borers, which are maize pests that can inflict serious crop losses. Bt maize has been cultivated in Mexico, South Africa and several countries in the European Union, with limited cultivation in Sub-Saharan Africa (SSA). This report provides a summary of literature on the potential benefits and challenges associated with Bt maize production in SSA. Research studies of Bt maize in the Philippines and South Africa are also briefly reviewed. There is little peer-reviewed literature available, with evidence challenging the assumed benefits of Bt maize for smallholder farmers in SSA. As a result, we also review research briefs and conference proceedings available from reputable international organizations. Although some of the available literature references the ethical concerns over Bt maize production, we focus on searching for science-based discussions related to any potential biodiversity, biosafety, or socio-economic impacts of Bt maize technology for smallholder farmers in SSA.
Though not indigenous to Sub-Saharan Africa (SSA), cassava plays, to varying degrees, five major roles in African development: famine-reserve crop, rural food staple, cash crop for urban consumption, livestock feed, and industrial raw material. Cassava production in SSA was historically a significant staple crop for smallholder farmers and continues to be the second most important food crop in Africa (after maize) in terms of calories consumed. Subsistence crops such as cassava are often considered women’s crops with the standard explanation that women are responsible for feeding the family and thus prefer to grow crops for the household. This brief reviews the role that women play in cassava production, and considers ways to better address gender issues from planting through post-harvest production. We find that the potential gains to cassava production made possible through improved technology will not be fully realized without the participation of women farmers and without women farmers having access to credit, markets, and extension services. Additionally, evidence from SSA suggests that labor for harvesting and processing, rather than labor for weeding, has become the key labor constraint for cassava, and addressing this concern may be more important than further yield increases for raising production levels.