Servicios financieros rurales

La intermediación financiera es un proceso importante a través del cual los fondos son canalizados desde los proveedores hacia los posibles usuarios. En muchos países, la diversidad de instituciones, instrumentos y mercados han evolucionado para proporcionar servicios de intermediación financiera. Estos incluyen instituciones formales tales como bancos, instituciones semi-formales como cooperativas, y proveedores informales como los comerciantes y prestamistas.

La prestación de servicios financieros en las zonas rurales es un reto particular, porque la agricultura presenta características únicas de dependencia de los recursos naturales, largos ciclos de producción y vulnerabilidad a los riesgos, mientras que las poblaciones dispersas aumentan considerablemente los costos de operación. Este Centro de Aprendizaje pretende reunir recursos que pueden ayudar a los proveedores de servicios financieros a operar eficientemente en esta realidad y a incrementar su alcance de manera sostenible.

Library Resources

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Smallholder Households: Distinct Segments, Different Needs Paper 2019

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Este recurso aparece en: Servicios financieros rurales

The 500 million smallholder households worldwide represent a large pool of potential financial services customers. However, they are not a monolithic group. To create and provide appropriate and desirable products for the segments within this group, financial services providers, government bodies, and agricultural development partners need to understand the segments they want to serve.

This Focus Note proposes an approach that distinguishes three segments of smallholder households—Subsisting, Commercializing, and Diversifying—according to their crop and livestock sales, amount of agricultural land, and smallholder livelihood profile. Using data from nationally representative surveys of smallholder households in Mozambique, Uganda, Tanzania, Côte d’Ivoire, Nigeria, and Bangladesh, the analysis estimates the market size of each segment and outlines recommendations on high-value financial solutions. Key findings include:

  • The Commercializing segment is the primary market for financial solutions related to agricultural goals.
  • The Diversifying segment is in transition and generally values the standard portfolio of financial services.
  • To serve the more vulnerable Subsisting segment at scale, partnerships, technology, and comprehensive approaches to financial and nonfinancial services are key.
  • Agriculture exerts a strong influence on the identity and income of smallholder households. But their financial inclusion is not primarily determined by their agricultural livelihood profile.
  • Farm and nonfarm aspects of their livelihoods need to be considered to help each segment of smallholder households effectively build resilience and capture opportunities
Autor Jamie Anderson, Ramesh Karuppusamy, Paul Enrico Neumann, Howard Miller; Ram Tamara
Editor CGAP
Número de Páginas 12 pages
Idioma Principal Inglés (en)
Región / País Global
Palabras clave Desarrollo De Productos, SME's
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