Female Smallholders in the Financial Inclusion Agenda

Hernandez, Emilio ; Bin Humam, Yasmin ; Ciacci, Riccardo ; Benni, Niclas ; Kaaria, Susan

World Bank, Washington, DC

关键词: FINANCIAL INCLUSION;    FEMALE FARMERS;    GENDER;    ACCESS TO FINANCE;    MICROFINANCE;   

RP-ID  :  129144

学科分类：社会科学、人文和艺术（综合）

来源: World Bank Open Knowledge Repository

【 摘 要 】

Financial inclusion of smallholderfamilies is considered one of several key conditions neededtospark sustainable agricultural development and foodsecurity. However, an analysis of national smallholdersurveys in Tanzania and Mozambique with a gender lensreveals female smallholdersremain financially excludedrelative to men, despite women’s significant demand forfinancial services. This gender gap in financial inclusionis greatest in the wealthier smallholder households andsuggests that even when wealth conditions improve only themale members overcome financial inclusion constraints. Thishighlights the importance of making sure that more adequatechoices of formal financial products are available forfemale smallholders.