Gender, demand for agricultural credit and digital technology: Survey evidence from Odisha

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cg.authorship.typesCGIAR single centreen
cg.contributor.affiliationInternational Food Policy Research Instituteen
cg.contributor.crpPolicies, Institutions, and Markets
cg.contributor.donorDigital Credit Observatoryen
cg.contributor.donorBill & Melinda Gates Foundationen
cg.contributor.donorInternational Initiative for Impact Evaluationen
cg.coverage.countryIndia
cg.coverage.iso3166-alpha2IN
cg.coverage.regionSouthern Asia
cg.coverage.regionAsia
cg.creator.identifierBerber Kramer: 0000-0001-7644-6613
cg.creator.identifierPatrick S Ward: 0000-0001-8793-1200
cg.identifier.doihttps://doi.org/10.2499/p15738coll2.134958en
cg.identifier.projectIFPRI - Markets, Trade, and Institutions Division
cg.identifier.publicationRankNot ranked
cg.number2093en
cg.placeWashington, DCen
cg.reviewStatusInternal Reviewen
dc.contributor.authorKramer, Berberen
dc.contributor.authorPattnaik, Subhransuen
dc.contributor.authorWard, Patrick S.en
dc.date.accessioned2024-05-22T12:13:50Zen
dc.date.available2024-05-22T12:13:50Zen
dc.identifier.urihttps://hdl.handle.net/10568/143398
dc.titleGender, demand for agricultural credit and digital technology: Survey evidence from Odishaen
dcterms.abstractThis paper analyzes the potential linkages between innovations in agricultural credit and women’s empowerment. We provide survey evidence of lower baseline demand for agricultural credit among women than men. When asked to imagine that their financial institution would use data on past cultivation through observations of smartphone and satellite imagery to review loan applications and insure loans, women reported significantly more often than men that this would increase (and not decrease) the likelihood that they would apply for loans, and their desired loan amounts increased significantly more than those of men. Moreover, we find that the gender gap in demand for agricultural credit is explained, in part, by differences in empowerment between women and men, suggesting that increasing women’s empowerment could help bridge gender gaps in credit access and utilization. Using a cluster randomized trial, we assess whether gender sensitization has an effect on women’s empowerment and demand for credit, but we do not find that gender trainings help shift women’s empowerment or demand for credit. We conclude that improving access to digital credit is not going to be sufficient to empower women. Instead, gender responsive or gender transformative programming is required to improve demand and create an enabling environment in which norms are changed and make it easier for women to take out agricultural credit.en
dcterms.accessRightsOpen Access
dcterms.bibliographicCitationKramer, Berber; Pattnaik, Subhransu; and Ward, Patrick S. 2021. Gender, demand for agricultural credit and digital technology: Survey evidence from Odisha. IFPRI Discussion Paper 2093. Washington, DC: International Food Policy Research Institute (IFPRI). https://doi.org/10.2499/p15738coll2.134958.en
dcterms.extent37 p.en
dcterms.isPartOfIFPRI Discussion Paperen
dcterms.issued2021-12-31
dcterms.languageen
dcterms.publisherInternational Food Policy Research Instituteen
dcterms.relationhttps://doi.org/10.1016/j.deveng.2019.100042en
dcterms.relationhttps://doi.org/10.1016/j.worlddev.2020.105069en
dcterms.relationhttps://doi.org/10.2499/p15738coll2.134751en
dcterms.relationhttps://www.ifpri.org/podcast/research-talks/episode-5-picturing-better-crop-insuranceen
dcterms.relationhttps://poverty-action.org/publication/building-resilience-through-financial-inclusion-review-existing-evidence-and-knowledgeen
dcterms.replaceshttps://ebrary.ifpri.org/digital/collection/p15738coll2/id/134958en
dcterms.subjectmicrofinanceen
dcterms.subjectgenderen
dcterms.subjectwomen's empowermenten
dcterms.subjectsurveysen
dcterms.subjectdemanden
dcterms.subjectagricultural crediten
dcterms.subjectcrediten
dcterms.subjectdigital technologyen
dcterms.typeWorking Paper

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