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
				Deliver training and facilitate networking to start and grow businesses through increased business and soft skills	virtual, interactive trainings	603670	ARMENIA: Women Entrepreneurship Project Component B.1 includes virtual and in-person (when possible) psychology-based Personal Initiative Training (PIT) to develop mindset associated with proactive, entrepreneurial behavior.
				Help women cross over into male-dominated, profitable sectors (through mentoring programs, role models and information-sharing)	robotics, computer coding/ programming	P165558	DJIBOUTI: Support for Women and Youth Entrepreneurship project Sub-component 2.1 includes iLab robotics and coding courses for young people from high schools and colleges. Participation in Pan African Robotic Competition, Africa Up Tunis, Entrepreneurship World Cup promotes mentoring, information-sharing, and role models.
				Enable women to benefit from existing mixed-sex networking and mentoring opportunities	digital platform	P162835	EGYPT: Catalyzing Entrepreneurship for Jobs project Component 3 includes digital match-making platform to connect entrepreneurs with investors and provide training, mentoring, coaching and business development services, especially to women entrepreneurs.
				Enable women to benefit from existing mixed-sex networking and mentoring opportunities	interactive pro- gram website, webinars, digital platform	XL Africa	AFRICA: XL Africa business accelerator for SMEs with digital products/services that offers webinars, global mentoring and angel investors platform.
				Enable women to benefit from existing mixed-sex networking and mentoring opportunities	digital platform	Digital Opportunity Trust (DOT)	MULTI-REGION: Digital Opportunity Trust, Digital Ambassadors Program that connects youth leaders with global networks.
				Provide entrepreneurs with firm-level wrap-around services, such as targeted technical assistance, business advice, and coaching, along with cash grants or small loans (including for technology use and implementation)	digital platform	P122764	ETHIOPIA: Women Entrepreneurship Development Project (WEDP) Component 1 includes smalls loans to WSMEs by participating MFIs. Sub-component 2a includes improved delivery of coaching, mentoring, and business information through ICT technologies to growth-oriented WSMEs eager to invest in more productive technology.
				Provide entrepreneurs with firm-level wrap-around services, such as targeted technical assistance, business advice, and coaching, along with cash grants or small loans (including for technology use and implementation)	digital platforms, including for digital financial services (DFS) and e-com- merce; mobile technology	P160806	DRC: SME Development and Growth project Component 1 includes combination of training and cash subsidies to support entrepreneurial activities of youth and women. Technology modules include promotion of Internet-based and mobile technology to overcome asymmetry of information, access to financial services (online and mobile banking), and e-commerce. Subcomponent 2.1 includes matching grants to established SMEs, at least 40% of whom must be WSMEs.
				Provide entrepreneurs with firm-level wrap-around services, such as targeted technical assistance, business advice, and coaching, along with cash grants or small loans (including for technology use and implementation)	Awareness campaign on social media platforms, digital program application	P151831	KENYA: Youth Employment and Opportunities project Component 1 includes technical skills training, business support services and Sub-component 2.1 includes business plan competition, and cash prizes of either USD9,000 or USD36,000.
				Provide entrepreneurs with firm-level wrap-around services, such as targeted technical assistance, business advice, and coaching, along with cash grants or small loans (including for technology use and implementation)	online investment platform and marketing portal	P146469	SENEGAL: Tourism and Enterprise Development project Component 2 includes trainings on business plan writing, multiple rounds of business plan competitions with cash prizes, and almost US$2m in grants for SMEs through the Senegal Market Access Facility.
				Organize business plan competitions and entrepreneurship programs for WSMEs	ICT training on technology use	P160806	DRC: SME Development and Growth Project Subcomponent 1.2 includes business plan competitions in which top startup entrepreneurs receive smaller grants and established SMEs receive larger sized grants.