Intervention Design Matrix | Gender Toolkit

Barriers

Discriminatory laws and practices
Lack of gender-sensitive legal frameworks/ labor regulations
Barriers to obtaining official, state-issued documentation
Uneven implementation of laws and practices
Burdensome and costly regulations, policies, and procedures to start and operate business

Poor government outreach and information dissemination
Lack of information about legal and regulatory provisions
Inadequate/biased workplace policies, con-ditions and practices
Biased stereotypes of authority favoring men
Low level of trust in public-facing bureaucrats

Lack of inclusion, predictability, transparency, trust, and dialogue among stakeholders
Low representation of women in formal institutions (e.g. government, support organizations, business organization, etc.)
Low capacity of women ́s representative entities resulting in lack of participation and input into legal and regulatory decision-making

Weak legal/regulatory protections for financial consumers
Limited information and data on gender gaps in finance
Women´s unequal ownership, access and administrative authority (e.g., property, inheritance, collateral)
Gaps in the digital financial ecosystem including digital ID, digital signature, e-KYC, agent banking networks, etc.

Lack of an enabling environment for technology, limiting women’s access to financial services and products
High-risk perception of women borrowers(resulting in, e.g., higher interest rates, shorter repayment periods for women)
Persistent focus on traditional collateral requirements (e.g., immovable property,credit history)

Financial provider practices and products that do not meet women’s needs
Permission of male family member required to conduct financial transactions
Limited financial capability
Fewer women who have bank accounts
Women’s limited personal access to technology and related financial services
Lack of women’s familiarity with technology used to access financial products and services

Lack of gender-sensitive business-service ecosystem (e.g., biased trainers, mismatch between services offered and needs)
Lack of incentives to acquire skills due to social norms and other restrictions
Cost barriers to accessing training and technical assistance

Inadequate skills and knowledge to start, run and expand a business - e.g., financial and technical literacy, business & soft skills, and sector information
Lack of access to relevant business information due to restricted ability to participate in mentoring programs/networks

Limited relevant education
Limited knowledge of access to businessrelated technology tools and software
Restricted mobility
Business decisions constrained by male relatives

Lagging legal and regulatory provisions (e.g.,digital payments, cross-border commerce, etc.)
Inadequate input markets (land, labor, capital)
Cost barriers (compliance, formalization, informal payments)
Limited access to finance, inputs, tools, assets and collateral

Inadequate access to and limited use of technology enablers
Market-related information constraints (e.g.,re: input costs, prices, demand, etc.)
Limited access to new customers
Limited access to networks, (in-)formal information- sharing, and role models

Concentration in less profitable, lower parts of the value chain
Gender-based harassment in business transactions (e.g., buyers, sellers, suppliers, customs officials, etc.)

Intervention Design Matrix

Selection				Potential Interventions	Technology Enabler applied in Intervention	ID/Link	Project Name & Summary
				Focus government services on sectors with high female participation (e.g., childcare subsidies, labor reform, investment services)	digital satellite/ airborne imagery	P164551	MOZAMBIQUE: Land Administration project Component 2 includes local government use of high-resolution orthorectified digital satellite/airborne imagery for community land delimitation, taking into consideration women's involvement in farming, their legal rights and methodologies that promote gender equality (e.g.; providing communities with lists of all community co-rights holders, including women, and active promotion of co-titling individual parcels. Component 1 includes education and training on women's land rights.
				Include women-owned/- led firms in government and industry-specific supplier databases	digital database	601417	VIETNAM: Private Sector Competitiveness/Supplier Development Program (VNPSC) includes Component 2.1 high quality profiles of pre-screened local suppliers made available through development and launch of national, shared online supplier database accessible by foreign firms.
				Train public officials to understand gender-related constraints and challenges to promote greater equality in public services	mobile phones	P151083	SUB-SAHARAN AFRICA (DRC, Rwanda, Uganda): Africa Great Lakes Trade Facilitation project Sub-component 2.2 incorporates comprehensive gender-awareness and conflict resolution training for border agents, including capacity-building to use digital tools for reporting sexual harassment and GBV in borderlands.
				Encourage public provisions (such as new laws, subsidies, or firm-level incentives, etc.) to increase women's access to care services	not applicable	P120843	BANGLADESH: BD Private Sector Development project Component 2 includes development of childcare operations guidelines and manuals for the economic zones and hi-tech parks adopted by Bangladesh Economic Zones Authority (BEZA) and Bangladesh High Tech Park Authority (BHTPA).
				Encourage public provisions (such as new laws, subsidies, or firm-level incentives, etc.) to increase women's access to care services	not applicable	P171063	CAMBODIA: Community-based Childcare for Garment Factory Workers Project establishes sustainable community-based childcare services for garment factory workers that improve employment and labor outcomes, reduce unpaid household childcare, and improve child development.
				Strengthen political awareness of and commitment to increase financial access for women	digital platform	FIGI (no public link)	MULTI-REGION: Financial Inclusion Global Initiative (FIGI) in China, Egypt & Mexico includes country-level commitment to strengthen and implement national programs related to core technology drivers of financial inclusion (electronic payment acceptance, digital ID for financial services, and security) to meet national financial access targets.
				Strengthen legal and regulatory framework for financial consumer protection and an enabling technology environment	national digital registries and databases that store sensitive information	WBG Universal Financial Access 2020 initiative	MULTI-REGION: WBG Universal Financial Access 2020 initiative focuses on 25 priority countries and utilizes government policies to create regulatory environments that enable access to transaction accounts, establish national biometric identity databases and virtual payment accounts, as well as digital payment interoperability.
				Strengthen legal and regulatory framework for financial consumer protection and an enabling technology environment	financial technology (fintech), big data	FIGI	MULTI-REGION: Financial Inclusion Global Initiative (FIGI) in China, Egypt, & Mexico includes programs to support development of enabling legal & regulatory frameworks for fintech to promote financial inclusion, enhance consumer protection & awareness, and improve ICT for digital financial services.
				Improve quality and availability of sex- disaggregated data across the range of financial products and services, including new digital financial products and fintech offerings	computers	FISF Country Support Program for Pakistan	PAKISTAN: Financial Inclusion Support Framework (FISF) Country Support Program for Pakistan sex-disaggregated data pilot included sorting information based on data from the Computerized National Identity Card (CNIC).
				Increase availability of and access to financial products/ services, including digitally- enabled, digitally-delivered solutions for women- owned/-led firms	e-service platform	P130891	MONGOLIA: Support for Accountable, Responsible, and Transparent Government project Subcomponent 2.4 e-Property Registration System (ePRS) enables citizens and business to use digital system to document property purchases, sales, etc. and provides banks with better information about prospective borrowers.