Smallholder agriculture producers present one of the most unique client segments for financial providers. The smallholder household’s income from agricultural production is often inconsistent and requires a significant investment at specific times of the year. What’s more, their financial needs extend beyond agricultural production to a variety of regular and emergency expenses such as weddings and funerals.
CGAP (Consultative Group to Assist the Poor) has published a publication on a year-long research titled ‘Financial Diaries with Smallholder Families’ (the “Smallholder Diaries”) between June 2014 to July 2015 to capture the financial and agriculture activities along with personal challenges and stories of 270 smallholder households in Mozambique, Tanzania and Pakistan.
Through this research, CGAP has identified how these smallholder families respond to the fluctuations in agricultural cycles and how they manage their resources as a result of the changes.
You can download the full publication here.
Read the original publication written by Jamie Anderson & Wajiha Ahmed published on CGAP here.