15 SMALLHOLDER DIARIES-Building the Evidence Base with Farming Families in Mozambique, Tanzania, and Pakistan
How do small-scale agricultural producers manage their money, and what do their strategies tell us about their need for financial tools? Smallholder house- holds, cultivating approximately two hectares (five acres) or less, present one of the most challenging client segments for financial service providers (FSPs) due to three unique aspects of their financial lives: (i) their income from agricultural production is often erratic and infrequent; (ii) their required investments can be significant and must be made at specific times of the year; and (iii) their risks, whose incidence and covariance across the agricultural sector can be difficult to mitigate. In addition, their financial needs extend beyond agricultural produc- tion to a variety of nonagricultural, off-farm enterprises. Like any family, small- holder households also need a range of financial tools to meet regular expenses, respond to emergencies, and finance milestones such as weddings and funerals. Furthermore, improvements to the financial portfolios of smallholder house- holds represent only one contribution to their overall well-being, and major challenges related to health, infrastructure, and education persist.
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