Experiences in Gender-Sensitive Solutions to Collateral Constraints

NCC can serve as effective security for loans and facilitate greater access to finance for women and smallholder farmers. NCC, together with an effective registry system and appropriate regulatory frameworks, can reduce risk for lenders while addressing the triple exclusionary bias against agriculture, smallholders with uncertain markets, and women who often lack traditional forms of collateral.

This paper provides financial service providers and policymakers with guidance on the potential for NCC to increase access to credit for women smallholder farmers, promote greater financial inclusion, and the importance of registries and sound legal frameworks to achieving this goal.