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FINANCIAL
INSTITUTIONLEVEL
INDICATORS:
Improved financial
performance
Improved
responsiveness
other
18%
by bus
27%
by hand
58%
money
transfer
service
9%
post oce /
money order
24%
other
13%
by hand
32%
by bus
9%
M-PESA
46%
First study prior to launch of M-PESA (multiple responses possible). Second study conducted two years post launch.
Figure 1Impact framework for nancial education
Figure 1FinAccess reports on how people in Kenya send money
Source: B. Gray et al., Can Financial Education Change Behavior?: Lessons from Bolivia and Sri Lanka, Working Paper 4 (Micronance
Opportunities: Washington, D.C.: 2010).
Source: FinAccess 2006 Source: FinAccess 2009
FOR FOOD, AGRICULTURE,
AND THE ENVIRONMENT
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FOCUS18 July 2010
INNOVATIONS IN RURAL AND AGRICULTURE FINANCE
Edited by Renate Kloeppinger-Todd and Manohar Sharma
Introduction Shenggen Fan, Juergen Voegele, and Rajul Pandya-Lorch
1. Overview Renate Kloeppinger-Todd and Manohar Sharma
2. Financial Literacy Monique Cohen
3. Community-Based Financial Organizations: Access to Finance for the Poorest Anne Ritchie
4. Rural Banking in Africa: The Rabobank Approach Gerard van Empel
5. Rural Banking: The Case of Rural and Community Banks in Ghana Ajai Nair and Azeb Fissha
6. Rural Leasing: An Alternative to Loans in Financing Income-Producing Assets Ajai Nair
7. Determinants of Microcredit Repayment in Federations of Indian Self-Help Groups
Yanyan Liu and Klaus Deininger
8. M-PESA: Finding New Ways to Serve the Unbanked in Kenya Susie Lonie
9. Biometric Technology in Rural Credit Markets: The Case of Malawi Xavier Gin
10. Credit Risk Management in Financing Agriculture Mark D. Wenner
11. New Approaches for Index Insurance: ENSO Insurance in Peru
Jerry R. Skees and Benjamin Collier
12. Microinsurance Innovations in Rural Finance Martina Wiedmaier-Pster and Brigitte Klein
13. Combining Extension Services with Agricultural Credit:
The Experience of BASIX India Vijay Mahajan and K. Vasumathi
14. Bundling Development Services with Agricultural Finance:
The Experience of DrumNet Jonathan Campaigne and Tom Rausch