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
				Build capacity of institutions serving women-owned businesses, including business associationsand networks86	technology innovation hubs, mobile applications	P156259	SENEGAL: Digital Entrepreneurship Senegal project Component 1 strengthens CTIC Dakar's (milab West Africa) institutional capacity to launch globally competitive mobile and digital technology businesses.
				Improve financial literacy by providing training and facilitating networking	digital platform	P103499	NIGERIA: Growth and Employment project Component B includes a Business Innovation & Growth (BIG) digital platform for SMEs to register themselves, receive business development services (BDS) and sectoral training.
				Improve financial literacy by providing training and facilitating networking	interactive program website, including e- Learning; tablets	P145215	MULTI-REGION: New Generation of Women Entrepreneurs (Women X): NIGERIA & PAKISTAN Component 2.2.1 includes e-Learning modules and Component 2.1.1 includes virtual e-mentoring program.
				Deliver training and facilitate networking to start and grow businesses through increased peer-to-peer learning	mobile phones, interactive websites, 24/7 call center	P128307	PAKISTAN: Sindh Agricultural Growth Project Component A.2 includes ICT-based technologies to deliver agriculture extension and marketing for farmers/producers, including information dissemination through mobile phones, 24/7 call center, interactive websites, and international peer learning.
				Deliver training and facilitate networking to start and grow businesses through increased peer-to-peer learning	ICT training on technology use, mobile technology	P160806	DRC: SME Development and Growth Project Subcomponent 1.2 uses training modules about internet-based and mobile technology to promote women entrepreneurs' future involvement in digital peer-to-peer support and networks.
				Deliver training and facilitate networking to start and grow businesses through increased sector-specific technical skills	digital platform	P161317	KENYA: Industry and Entrepreneurship Project Component 1 includes interventions that support digital literacy and skills in growing sectors, including rapid technology skills trainings (bootcamps) for youth and women in digital sectors, fostering links and investments in digital entrepreneurship.
				Deliver training and facilitate networking to start and grow businesses through increased sector-specific technical skills	ICT, computer programming, software develop- ment	P152441	GEORGIA: National Innovation Ecosystem (GENIE) project Component 2 includes training programs focused on digital economy skills (computer programming, software development) and includes a dedicated ICT training program.
				Deliver training and facilitate networking to start and grow businesses through increased sector-specific technical skills	digital platform	P103499	NIGERIA: Growth and Employment project Component B includes a Business Innovation & Growth (BIG) web-based platform for SMEs to register themselves, receive business development services (BDS) and sectoral training.
				Deliver training and facilitate networking to start and grow businesses through increased sector-specific technical skills	GIS data mapping	P147235	WEST BANK AND GAZA: Economic Development across Fragile Communities project Component 1 works with Ministry of Tourism to teach entrepreneurs, especially women, about tourism industry and Component 2 provides trainings on how to use Geographic Information Systems (GIS) data to develop guided tours along Abraham Path.
				Deliver training and facilitate networking to start and grow businesses through increased business and soft skills	mobile phones	WBG Gender Innovation Lab	TANZANIA: Business Women Connect project invites WMSMEs to use M-Pawa mobile savings platform, participate in business skills training, and improve decision-making skills and confidence.