Client Demand

Three smallholder clients on a bench
Building the demand side of the RAF market requires segmenting clients, understanding their needs and preferences, and providing effective non-financial services to build their capacity to effectively use financial solutions.  This primary topic area includes sub-topics like client voice, uptake and usage, human centered design, and farmer technical assistance.

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Webinar Summary

Women comprise approximately 50% of the labor force in sub-Saharan Africa and...

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Community: Part 1 of ISF's and RAF Learning Lab's Pulse series shares insights and trends on customer centric approaches in the rural and smallholder finance sector.
Analysis: The fourteenth briefing note in a series from the Initiative for Smallholder Finance, the Dalberg Design Impact Group (DIG) explores the causes of low uptake in digital credit for smallholders to better understand how we can develop concrete product solutions to jump-start adoption of digital credit products by them. 
Media: Listen to farmers share their perspective and experience with 15 different ICT4Ag solution providers in Kenya, Tanzania, and Ghana.
Report: The AGRA financial inclusion team has been working on an assessment of the business models of fifteen ICT4Ag solution providers in Kenya, Tanzania, and Ghana. The full report, executive summary, 15 case studies, and farmer videos are now available. In this blog, Hedwig Siewertsen, AGRA's Team Leader of Financial Inclusion, summarizes some of the findings from the research.
Analysis: CGAP’s National Survey(s) and Segmentation of Smallholder Households in Mozambique, Tanzania, and Uganda explores the financial, agricultural, and digital demands of smallholder households. The surveys are a groundbreaking effort to build a representative evidence base for the demand-side of the smallholder finance equation. The links above provide access to both summary reports and full micro datasets for each country, for further analysis. This blog summarizes a few of the key themes and specific variations across the three countries.
Tool: On August 31 the Learning Lab team hosted a private webinar for partners where we shared rationale and approach to measuring customer satisfaction in the rural and agricultural finance industry. The presentation from this webinar, alongside a short summary of its learnings and the full webinar recording are now available for public viewing.
Tool: CGAP recently published a Customer Experience Playbook to help FSPs increase uptake and usage among low-income customers. Although the CX Playbook is targeted at urban clients we think there are many valuable lessons that can be applied to rural communities as well.
News: A diverse crowd of industry stakeholders gathered at the May 5 State of Smallholder Finance event to discuss findings from the landmark report, Inflection Point.
Report: ATAI's latest policy bulletin, Making It Rain, reviews 10 randomized evaluations of weather index insurance. The study shed light on the barriers around uptake and usability for weather index insurance. Their findings are consistent with the market trends we are witnessing as well as our own broader call to action in this space.
MCF/OAF
Report: CGAP's recent study, Smallholder Diaries, offers valuable insights into smallholder financing needs and supports the broader case for customer centricity to unlock growth in financial solutions.
Report: In a market analysis for AGRA, Dalberg sheds light on the financial sector’s service of smallholders in Kenya, Tanzania, and Ghana, and identifies opportunities for progressive partnerships between formal and non-formal financial service providers, including value chain actors. The analysis also looks at the role of ICT solutions to increase impact. AGRA is a Learning Lab partner, committed to sharing knowledge that will build the industry.

Client Demand

Three smallholder clients on a bench
Building the demand side of the RAF market requires segmenting clients, understanding their needs and preferences, and providing effective non-financial services to build their capacity to effectively use financial solutions.  This primary topic area includes sub-topics like client voice, uptake and usage, human centered design, and farmer technical assistance.