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.
A large and growing body of scholarship now suggests that many household outcomes, including children’s education and nutrition, are associated with a wife’s bargaining power and control over household decision-making. In turn, bargaining power in a household is theorized to be driven by a wife’s financial and human capital assets – in particular the degree to which these assets contribute to household productivity and/or to the wife’s exit options. This paper draws on the detailed Farmer First dataset in Tanzania and Mali to examine husband and wife reports of a wife’s share of decision-making authority in polygynous households, where multiple wives jointly contribute to household productivity, and where exit options for any single wife may be less credible. We find that both husbands and wives assign less authority to the wife in polygynous households relative to monogamous households. We also find that a wife’s assets are not as strongly associated with decision-making authority in polygynous versus monogamous contexts. Finally, we find that responses to questions on spousal authority vary significantly by spouse in both polygynous and monogamous households, suggesting interventions based on the response of a single spouse may incorrectly inform policies and programs.
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.
By examining how farmers respond to changes in crop yield, we provide evidence on how farmers are likely to respond to a yield-enhancing intervention that targets a single staple crop such as maize. Two alternate hypotheses we examine are: as yields increase, do farmers maintain output levels but change the output mix to switch into other crops or activities, or do they hold cultivated area constant to increase their total production quantity and therefore their own consumption or marketing of the crop? This exploratory data analysis using three waves of panel data from Tanzania is part of a long-term project examining the pathways between staple crop yield (a proxy for agricultural productivity) and poverty reduction in Sub-Saharan Africa.
A “new wave” of digital credit products has entered the digital financial services (DFS) market in recent years. These products differ from traditional credit by offering loans to borrowers that can be applied for, approved, and disbursed remotely (often without any brick-and-mortar infrastructure), automatically (generally minimizing or eliminating person-to-person interaction), and instantly (often in less than 72 hours). Digital credit also increasingly considers creditworthiness by using alternative (nontraditional) data—ranging from mobile phone activity to utility payments and social media data—potentially allowing for loans to populations previously unable to access bank credit. Two EPAR reports review the characteristics of digital credit offerings in India, Kenya, Nigeria, Tanzania, and Uganda, and regulations specific to digital credit in Africa and Asia.
A growing body of evidence suggests that empowering women may lead to economic benefits (The World Bank, 2011; Duflo, 2012; Kabeer & Natali, 2013). Little work, however, focuses specifically on the potential impacts of women’s empowerment in agricultural settings. Through a comprehensive review of literature this report considers how prioritizing women’s empowerment in agriculture might lead to economic benefits. With an intentionally narrow focus on economic empowerment, we draw on the Women’s Empowerment in Agriculture Index (WEAI)’s indicators of women’s empowerment in agriculture to consider the potential economic rewards to increasing women’s control over agricultural productive resources (including their own time and labor), over agricultural production decisions, and over agricultural income. While we recognize that there may be quantifiable benefits of improving women’s empowerment in and of itself, we focus on potential longer-term economic benefits of improvements in these empowerment measures.
Previous research has shown that men and women, on average, have different risk attitudes and may therefore see different value propositions in response to new opportunities. We use data from smallholder farm households in Mali to test whether risk perceptions differ by gender and across domains. We model this potential association across six risks (work injury, extreme weather, community relationships, debt, lack of buyers, and conflict) while controlling for demographic and attitudinal characteristics. Factor analysis highlights extreme weather and conflict as eliciting the most distinct patterns of participant response. Regression analysis for Mali as a whole reveals an association between gender and risk perception, with women expressing more concern except in the extreme weather domain; however, the association with gender is largely absent when models control for geographic region. We also find lower risk perception associated with an individualistic and/or fatalistic worldview, a risk-tolerant outlook, and optimism about the future, while education, better health, a social orientation, self-efficacy, and access to information are generally associated with more frequent worry— with some inconsistency. Income, wealth, and time poverty exhibit complex associations with perception of risk. Understanding whether and how men’s and women’s risk preferences differ, and identifying other dominant predictors such as geographic region and worldview, could help development organizations to shape risk mitigation interventions to increase the likelihood of adoption, and to avoid inadvertently making certain subpopulations worse off by increasing the potential for negative outcomes.
We use OLS and logistic regression to investigate variation in husband and wife perspectives on the division of authority over agriculture-related decisions within households in rural Tanzania. Using original data from husbands and wives (interviewed separately) in 1,851 Tanzanian households, the analysis examines differences in the wife’s authority over 13 household and farming decisions. The study finds that the level of decision-making authority allocated to wives by their husbands, and the authority allocated by wives to themselves, both vary significantly across households. In addition to commonly considered assets such as women’s age and education, in rural agricultural households women’s health and labour activities also appear to matter for perceptions of authority. We also find husbands and wives interviewed separately frequently disagree with each other over who holds authority over key farming, family, and livelihood decisions. Further, the results of OLS and logistic regression suggest that even after controlling for various individual, household, and regional characteristics, husband and wife claims to decision-making authority continue to vary systematically by decision – suggesting decision characteristics themselves also matter. The absence of spousal agreement over the allocation of authority (i.e., a lack of “intrahousehold accord”) over different farm and household decisions is problematic for interventions seeking to use survey data to develop and inform strategies for reducing gender inequalities or empowering women in rural agricultural households. Findings provide policy and program insights into when studies interviewing only a single spouse or considering only a single decision may inaccurately characterize intra-household decision-making dynamics.
This brief presents an overview of EPAR’s previous research related to gender. We first present our key takeaways related to labor and time use, technology adoption, agricultural production, control over income and assets, health and nutrition, and data collection. We then provide a brief overview of each previous research project related to gender along with gender-related findings, starting with the most recent project. Many of the gender-related findings draw from other sources; please see the full documents for references. Reports available on EPAR’s website are hyperlinked in the full brief.
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.