Reach, Benefit and Empower Women with Financial Services

NpM, Platform for Inclusive Finance, analyzed three cases on women’s access to financial services in three different countries:
1. Saving and credit cooperatives (SACCOs) in Ethiopia;
2. Services provided by TYM, an MFI in Vietnam;
3. Financial services provided to female farmers in the maize and beans value chains in Rwanda.

With this paper, we showcase the importance of appropriate financial services for women to increase female entrepreneurship in agriculture and to secure the highly necessary agricultural growth. We aim to encourage the NpM members (inclusive finance investors) and other professionals working in the financial sector to ensure that women are reached by financial services, but also to ensure that women benefit and that they are empowered.

Summary Report: Geodata for Inclusive Finance and Food

On 24 June, NpM hosted its seminar of “Geodata for Inclusive Finance & Food” in Nairobi. As a pre-day event to the SPTF and Smart Campaign’s Summit on “Inclusive Digital Future”, we heard from each of the winners of the NpM Innovator’s Challenge – Agri-wallet, Apollo Agriculture, and VanderSat – about their projects and the opportunities of geodata. Their insights gave way to an interactive Q&A session about the innovative practicality of their applications.

The second part zoomed in on the issue of data privacy when using geodata-based information. Isabelle Barrès of the Smart Campaign introduced major data privacy issues and the client protection principles. Ben Wellington of MicroFinanza Rating (MFR) then provided emerging good practices coming from case studies with FinTechs.

The seminar ended in lively group discussions reflecting on the great potential of geodata, but also the risks that the use of geodata-based information could carry.

Case Study on Solar Home Systems: upOwa

Case Study on Solar Home Systems: PEG Africa

Case Study on Solar Home Systems: M-KOPA Solar

Case Study on Agri Services: Babban Gona

Case Study on Vehicle Loans and Services: Edpyme Acceso Crediticio

NpM Annual Report 2018

Lessons Learned from Existing Geodata Projects

As part of the series of events for the Geodata for Inclusive Finance and Food (G4IFF) workstream, NpM hosted a webinar on Lessons Learned from Existing Geodata Projects. The webinar took place on April 10th and followed-up on a previous webinar and expert meeting on the potential of geodata. During this webinar speakers provided context of various geodata opportunities for financial institutions, and specific examples to delve deeper into the integration of geodata services and implications for end-users.

To share the key lessons learned, NpM prepared a brochure. It provides an overview from the perspective of Investors, Microfinance Institutions and FinTechs, and the Earth Observation sector.

We hope this information can benefit those interested in improving access to finance and food production for smallholder farmers.

MicroScore Tool

It has always been a pressing question how to measure success of capacity building programmes. While success can be measured on the output level, there was no suitable measure on effect level. On behalf of MicroNed (which later became NpM), Joost de La Rive Box designed an institutional scan to measure the performance of capcity building programmes. This tool combines four performance ratios: governance, institutional, services & social performance management and financial performance management.

The development of the first version of the MicroScore Tool was financed by Hivos in the context of the evaluation of their Seed Capital programme. The tool was then further developed, finalized, tested and translated in the MicroNed Capacity Building working group in which Cordaid took the lead. After a year of development and intensive pilot testing by MicroNed members as well as Terrafina Microfinance, the tool has now been finalized.

The tool helps MFIs and cooperatives to assess its performance and to reflect on its graduation. Consultants can use MicroScore in their first contact with a MFI as a guideline for baseline assessments and further on as a tool for progress monitoring. Desk officers at microfinance organizations should be able to better assess the proposals they receive from MFIs and consultants.

The MicroScore Tool is not intended to replace ratings. The ultimate aim is to enhance the effectiveness of capacity building programmes.

The MicroScore Tool is presented in three languages: English, Spanish and French, combined in one format, and is now available for download, free of charge.

Download the MicroScore Tool here.

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