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Showing posts with label helps. Show all posts
Showing posts with label helps. Show all posts

Wednesday, August 30, 2017

Mobile technology helps to transfer cash to conflict-affected rural families

Many vulnerable rural families in Iraq can now benefit from a safer, more secure means of receiving income thanks to mobile money transfer technology adopted for the first time by Food and Agricultural Organisation (FAO) as part of a cash-for-work programme aimed at rehabilitating agricultural infrastructure and land, reports NaijaAgroNet.

The programme, which is funded by the Belgian Government, will support 12,000 conflict-affected people in 30 villages in Kirkuk, Anbar, Salah al-Din and Ninewa governorates. It will benefit local farmers, by enabling them to restart or expand farming activities with rehabilitated infrastructure, and provides agricultural livelihoods opportunities for displaced people returning home.

Participants, who are from households with no other income source, include women who are often the sole breadwinners for their families, and people with a disability. The workers and their families are people who either remained in their villages during conflict or returned home after being displaced by the fighting.

"The use of mobile technology will streamline the safe delivery of cash transfers to participants, who are some of the most vulnerable people in the country," said Fadel El-Zubi, FAO Representative in Iraq. "Providing income opportunities is critical in rural areas affected by conflict, where competition for employment is high, jobs are scarce and people are struggling to support their families."

To facilitate the payments, FAO has partnered with Zain a mobile and data services operator with a commercial footprint in eight Middle Eastern and African countries. Participant names and identity numbers are pre-registered with the company, and they receive a free SIM card. Once each person completes a certain number of days of work, they receive a text message containing a personalised security code. They can then collect their wages from any certified money mobile transfer agent, provided their code and identity number match those registered.

"As well as providing much-needed income for participants, the programme will improve agricultural production in the surrounding communities, through activities including rehabilitating canals for irrigation to grow crops and preparing farmland for planting," said El-Zubi. "This, in turn, will encourage community members still displaced by conflict to return home and begin farming again. FAO's aim is to support people to get back on their feet as quickly as possible, and reduce their reliance on food assistance."


Around 12 million Iraqis reside in rural areas and depend on agriculture for their livelihoods. Years of conflict has destroyed or damaged harvests, equipment, infrastructure, livestock, seeds, crops and stored food; and left 3.2 million Iraqis food insecure. As of 15 July 2017, more than 3.3 million people remained displaced within Iraq, while about 2 million had returned home.

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Wednesday, May 31, 2017

UN study says digitizing Kenyan farmers' payment helps tackle poverty

The United Nations-based Better Than Cash Alliance has concluded a study which showed how agriculture nonprofit organization One Acre Fund in partnership with Citi Inclusive Finance, successfully digitized loan repayments for farmers in Kenya, reports NaijaAgroNet.

This move significantly boosted transparency and efficiency, driving economic opportunity and financial inclusion for thousands of smallholder farmers and their families.

Head, Communication at Better Than Cash Alliance, Angela Corbalan, said the study by One Acre Fund was supported by Citi, and enabled farmers to easily make loan repayments via mobile money instead of cash, reducing the uncertainty, inefficiency, insecurity and high costs previously caused by cash transactions.

NaijaAgroNet reports that with this digitization, One Acre Fund could now reach more farmers with greater reliability, and staff can spend almost half as much time collecting payments in cash, using that extra time to help farmers increase their incomes through training and educational programs.
“With One Acre Fund’s package of services, including training and inputs like seed and fertilizer, the average farmer participating in the program earned nearly 50 per cent more than peer farmers who do not participate,” she said.

In addition, she listed some of the findings to include that there has been increased participant satisfaction due to transparency and convenience; 85 per cent decrease in instances of repayment fraud as well as reduction in processing time for each repayment from 12-16 days to 2-4 days.

“… Farmers now know immediately when their payment is received, eliminating the worry about whether it arrived,” she said.

Further, NaijaAgroNet reports that study found out that Eighty per cent decrease in repayment processing costs, while 46 per cent of time reduced for staff working on collections, allowing for more time helping farmers to improve agricultural practices.


Just as women farmers benefited especially, because they now feel safer about payment deliveries.

Isaac Oyimah/GEE
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