Evans School Policy Analysis & Research Group (EPAR)

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.

This 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. We summarize the public good characteristics of R&D for agriculture in general and for commodity and subsistence crops in particular, as well as R&D for health in general and for neglected diseases in particular, with a focus on Sub-Saharan Africa and South Asia. Finally, we present rationales for which funders are predicted to fund which R&D types based on these funder and R&D characteristics. We then compile available statistics on funding for agricultural and health R&D from private, public and philanthropic sources, and compare trends in funding from these sources against expectations. We find private agricultural R&D spending focuses on commodity crops (as expected). However contrary to expectations we find public and philanthropic spending also goes largely towards these same crops rather than staples not targeted by private funds. For health R&D private funders similarly concentrate on diseases with higher potential financial returns. However unlike in agricultural R&D, in health R&D we observe some specialization across funders – especially for neglected diseases R&D - consistent with funders’ expected relative advantages.

The commercial alcohol industry in Africa may provide opportunities to increase market access and incomes for smallholder farmers by increasing access to agriculture-alcohol value chains. Despite the benefits of increased market opportunities, the high costs to human health and social welfare from increased alcohol use and alcoholism could contribute to a net loss for society. To better understand the tradeoffs between increased market access for smallholders and societal costs associated with harmful alcohol consumption, this paper provides an inventory of the societal costs of alcohol in Sub-Saharan Africa (SSA). We examine direct costs associated with addressing harmful effects of alcohol and treating alcohol-related illnesses, as well as indirect costs associated with the goods and services that are not delivered as a consequence of drinking and its impact on personal productivity. We identified resources using Google Scholar and the University of Washington libraries, and utilized the Global Burden of Disease (GBD) database by the Institute for Health Metrics and Evaluation (IHME) and the World Health Organization’s Global Information System on Alcohol and Health (GISAH) database. We also utilized FAOSTAT to retrieve raw data on national-level alcohol production and export statistics. We find that hazardous alcohol use contributes to early mortality and morbidity, loss of productivity, property damage, and other social costs and harms for drinkers and those around them. Drinking also affects vulnerable segments of the population disproportionately. Policymakers, local authorities, and donor agencies can use the information presented in this paper to plan and prepare for the higher consumption levels and subsequent social costs that may follow through agricultural development and economic growth in the region.  

This report provides a general overview of the wheat market in Bangladesh. The first section describes trends in wheat production and consumption over the past twenty years and summarizes recent trade policy related to wheat. The second section presents the findings of a literature review of the wheat value chain in Bangladesh, beginning with seed selection and ending with sales. Finally, wheat consumption in Bangladesh is discussed in more depth, including nutritional information about wheat, substitute grain markets, and projected consumption in 2030. We find that wheat production in Bangladesh has been volatile and continues to reflect significant yield gaps. While wheat consumption has increased, rice is the most important crop and food grain. Increased demand by private traders for higher quality wheat for processing has fueled rising import levels, and the the gap between domestic supply and demand is projected to grow to over 4 million tons by 2030.