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
				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	State Bank of India (SBI) e-Smart SME project	INDIA: State Bank of India (SBI) e-Smart SME project offers collateral-free working capital loan for sellers on e-commerce platforms via online loan application & approval process. Fintech algorithms analyze users' social network behavior and mobile phone usage patterns to develop credit scores.
				Seek gender diversity among bank agents and provide them with incentives to register women for digital accounts, including providing technology support for women users	data mining tools, software	603215	TUNISIA: Banking on Women (BoW) Champion & Digital Transformation project Component 2 includes workshops, computerized activity tools, dashboard template, and incentives scheme to help motivate bank agents to acquire new women-led enterprise customers for digital financial services.
				Support the development of digital incubators, accelerators and early- stage funding programs for WSMEs	digital platform	P161317	KENYA: Industry and Entrepreneurship Project Component 1 includes digital platform to connect business incubators, accelerators and technology boot camp providers with global expertise, international networks, and investors.
				Support the development of digital incubators, accelerators and early- stage funding programs for WSMEs	digital platforms	P170688	BANGLADESH: Private Investment & Digital Entrepreneurship Project Component 4 includes developing digital entrepreneurship & innovation hubs in technological universities to increase market entry and growth rates of digital startups and create a gender-inclusive culture for digital entrepreneurship.
				Support the development of digital incubators, accelerators and early- stage funding programs for WSMEs	mobile applications	P130891	MONGOLIA: Support for Accountable, Responsible, and Transparent Government project Subcomponent 2.3 includes an Apps competition to provide early-stage financing for development of innovative digital tools by WSMEs that increase the number of female-targeted solutions in government priority sectors.
				Support the development of digital incubators, accelerators and early- stage funding programs for WSMEs	interactive program website	XL Africa	AFRICA: XL Africa business accelerator for SMEs with digital products/services that offers webinars, global mentoring and angel investors platform.
				Support the development of digital incubators, accelerators and early- stage funding programs for WSMEs	crowdfunding digital platform	Kenya Climate Innovation Center (KCIC)	KENYA: Climate Innovation Center (KCIC -funded by WBG InfoDev) Crowdfund Investing Pilot to help entrepreneurs raise capital.
				Provide training on digital financial enablers such as mobile savings mechanisms	mobile phone application	WBG Gender Innovation Lab Women Connect Project	TANZANIA: Business Women Connect project provides training to women business owners on use of M-Pawa mobile savings platform to save money more securely and in some cases combined it with business training.
				Provide training on digital financial enablers such as mobile savings mechanisms	e-Wallets, computer, mobile phone	P171172	JORDAN: Economic Opportunities for Jordanians and Syrian Refugees Program for Results (PfR) Component 6 provides training in accessing digital finance through SIM cards and e-Wallets.
				Build capacity of institutions serving women-owned businesses, including business associationsand networks86	technology innovation hubs, media outlets	P170688	BANGLADESH: Private Investment & Digital Entrepreneurship Project, Sub-component 4 includes piloting entrepreneurship and innovation hubs in Bangladesh's technological universities and business schools, specifically promoting digital entrepreneurship among women through media outlets..