Evans School Policy Analysis & Research Group (EPAR)

In Sub-Saharan Africa, 12% of adults now report having a mobile money account, representing over a quarter of the share of those who have any kind of financial account at all. As mobile money expands, there is interest in how regulatory frameworks develop to support digital financial services (DFS) and also support broader financial inclusion. In theory, protecting consumers from risk, and ensuring that they have the information and understanding required to make informed decisions, may increase their confidence and trust in mobile money systems, leading to higher adoption and usage rates. However, consumer protection regulations may also carry certain trade-offs in terms of cost, usage, and innovation.  The challenge, according to proponents of consumer protection, is to develop regulations that promote access and innovation, yet still offer an acceptable level of consumer protection. We review the literature on consumer protection institutions and regulatory documents for DFS (particularly mobile money) in 22 developing countries, and identify examples of specific consumer protection regulations relevant to mobile money in each country.

How development organizations, NGOs, and governments can best allocate scarce resources to those in need has long been debated. As opposed to universal allocation of resources, a more targeted approach attempts to minimize program costs while maximizing benefits among those with the greatest need or market opportunity. Many international development organizations strategically target clients based on geographic location (e.g., community, region, country) or socio-economic indicators, such as the World Bank’s “$1 a day” poverty line. Drawing on literature from several sectors, this brief presents additional methods of beneficiary targeting that international development organizations might consider. We find that beneficiary targeting/segmentation has the potential to make organizational and program efforts more equitable and efficient. With limited resources, smaller organizations have tended to use single robust indicators or simple heuristics, whereas agribusinesses and private sector firms have used more data-intensive marketing tools to position their products. Technological innovation and better access to data have made targeting more prevalent and potentially more affordable in agricultural development. However, creating valid and reliable target segments remains the most significant challenge.

In Mozambique, the legacies of colonial rule, socialism and civil war continue to constrain economic growth and agricultural production. Eighty percent of Mozambique’s labor force derives its livelihood from agriculture, but the nation remains a net food importer. The majority of all farmland is cultivated by smallholders whose fertilizer usage and crop yields are among the lowest in Africa. While Mozambique has experienced reasonable economic growth since the end of its civil war in 1992, it remains poor by almost any measure. In this literature review, we examine the state of agriculture in Mozambique, the country’s political history and post-war recovery, and the current fertilizer market. We find evidence that smallholder access to fertilizer in Mozambique is limited by lack of information, affordability, access to credit, a poor business environment, and limited infrastructure. The data demonstrate that increased investment in infrastructure is an important step to improve input and output market access for smallholders. The main government intervention currently impacting smallholder fertilizer use is the Agricultural Sector Public Expenditure Program (PROAGRI) initiative, however, more data is necessary to assess the impact of its policies and programs.

The Government of Kenya (GoK) has historically encouraged its farmers to use fertilizer by financing infrastructure and supporting fertilizer markets.  From 1974 to 1984, the GoK provided a fertilizer importation monopoly to one firm, the Kenya Farmers Association.  However, the GoK saw that this monopoly impeded fertilizer market development by prohibiting competing firms from entering the market and, in the latter half of the 1980s, encouraged other firms to enter the highly regulated fertilizer market. This report examines the state of fertilizer use in Kenya by reviewing and summarizing literature on recent fertilizer price increases, Kenya’s fertilizer usage trends and approaches, market forces, and the impact of government and non-government programs. We find that most studies of Kenya’s fertilizer market find it to be well functioning and generally competitive, and conclude that market reform has stimulated fertilizer use mainly by improving farmers’ access to the input through the expansion of private retail networks. Overall fertilizer consumption in Kenya has increased steadily since 1980, and fertilizer use among smallholders is among the highest in Sub-Saharan Africa. Yet fertilizer consumption is still limited, especially on cereal crops, and in areas where agroecological conditions create greater risks and lower returns to fertilizer use.