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
				Increase availability of and access to financial products/ services, including digitally- enabled, digitally-delivered solutions for women- owned/-led firms	proprietary digital financial services, social media platforms	P167543	NIGER: Smart Villages for Rural Growth and Digital Inclusion project Sub- Component 3.1.1 includes creation of digital centers for delivery of e- financial/ digital services. Digital financial centers are promoted on social media through financial and literacy campaigns with content specific to women.
				Improve other financial infrastructure such as collateral registries and factoring platforms	national digital registry that stores sensitive information digital platform	CBN National Collateral Registry	NIGERIA: Central Bank of Nigeria (CBN) developed an online collateral registry to secure loans against movable assets such as machinery, livestock and inventory.
				Improve other financial infrastructure such as collateral registries and factoring platforms	national digital registry that stores sensitive information digital platform	Personal Prop- erty Security Registry Sys- tem of Malawi	MALAWI: Public Sector Reforms Commission developed online public collateral registry database for financial institutions to register security interests in movable property, mitigate risk of customers and diversify credit portfolios to include SMEs.
				Improve other financial infrastructure such as collateral registries and factoring platforms	national digital registry that stores sensitive information digital platform	Central Bank of Liberia online movable collateral registry	LIBERIA: Central Bank of Liberia (CBL) created online movable collateral registry to secure business & individual loans.
				Improve other financial infrastructure such as collateral registries and factoring platforms	digital platform	P152307	JAMAICA: Access to Finance for MSMEs : Component 3 includes pilot digital reverse factoring services platform to provide SMSEs with asset-based financing in which MSMEs sell their accounts receivable at a discount to a third party and receive immediate cash.
				Strengthen credit reporting systems and other sources of data useful for financial decisions	national digital database that stores sensitive information	P167543	NIGER: Smart Villages for Rural Growth and Digital Inclusion project Sub-component 3.3 includes creation of digital database to collect data on rural populations in order to enable credit scoring
				Support reform geared towards low-risk accounts with tiered Know-Your- Customer rules	digital database and registry that stores sensitive information	P167543	NIGER: Smart Villages for Rural Growth and Digital Inclusion project Sub-component 3.3 includes creation of digital database to store information collected on rural populations to improve understanding of their e-financial needs and establish e-KYC (know your customer) registry.
				Support reform geared towards low-risk accounts with tiered Know-Your- Customer rules	digital database and registry that stores sensitive information	P130891	MONGOLIA: Support for Accountable, Responsible, and Transparent Government project Subcomponent 2.4 e-Property Registration System (ePRS) enables citizens and businesses to use digital system to document property purchases, sales, etc. and provides banks with better information about prospective borrowers.
				Incentivize financial institutions to develop products and services that meet women's needs (e.g., alternative-data-based lending, psychometric testing, payments, savings, credit and insurance)	Fintech innovations: big data and machine learning	P122764	ETHIOPIA: Women Entrepreneurship Development Project (WEDP) Component 1 includes use of fintech to conduct interactive assessment of potential borrowers to predict likelihood of loan repayment.
				Incentivize financial institutions to develop products and services that meet women's needs (e.g., alternative-data-based lending, psychometric testing, payments, savings, credit and insurance)	Fintech innovations: big data and machine learning, tablets	P171245	ETHIOPIA: Innovations in Financing Women Entrepreneurs (IFWE) project Component 2 includes leveraging fintech to reduce/eliminate collateral requirements for WMSMEs and explores piloting programs that increase access to capital leasing services, tailored insurance products and micro-equity investment mechanisms.