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	technology training	P171034	ETHIOPIA: Digital Foundations Project Component 3 seeks to lay foundation for high-growth digital industries through gender-inclusive, ecosystem-level support that includes promotion of digital skills and entrepreneurship. Emphasizes gender equity in recruitment and retention by ensuring inclusion of women in all decision- making bodies under the project.
				Develop training programs for women (e.g., use of technology tools to access markets, trade logistics, supplier standards, etc.)	e-commerce platform	P148638	MENA: Virtual Marketplace (VMP) Tunisia, Morocco, Jordan project Sub-component 2.1 included a e-Learning platform and online training workshops designed and taught by international VMP (TradeKey, E-Bay) experts.
				Develop training programs for women (e.g., use of technology tools to access markets, trade logistics, supplier standards, etc.)	not applicable	P168392(Note: no public link)	MENA: E-Commerce for Women-Led SMEs in Algeria, Djibouti, the Arab Republic of Egypt, Jordan, Lebanon, Morocco, and Tunisia (We-Fi) expands on P148638. Sub-component 1.a recruits VMP advisors, trainers, coaches to train WSMEs. Sub- Component 1.b connects WSMEs online to local, regional and international VMPs.
				Develop training programs for women (e.g., use of technology tools to access markets, trade logistics, supplier standards, etc.)	ICT, mobile phones	P170604	SIERRA LEONE: Smallholder Commercialization and Agribusiness Development Project (P153437) and Additional Financing (P170604) Sub-component B2 includes market access and coordination improvements through ICT or cell-phone based price information systems.
				Design gender-sensitive trade/customs logistics, including digital based services	ICT, mobile phones, SMS text messaging	P151083	SUB-SAHARAN AFRICA (DRC, RWANDA, UGANDA): Africa Great Lakes Trade Facilitation Project Sub-component 2.1 includes using ICT reporting mechanisms & 3rd party IT monitoring to inform small-scale and women traders of requirements for cross- border trading, monitor enforcement of regulations, and address corruption, sexual harassment and physical violence in borderlands.
				Design gender-sensitive trade/customs logistics, including digital based services	e-government services	TANCIS (Tanzania Customs Inte- grated System)	TANZANIA: TANCIS Project is a web-based system implemented by Tanzanian government and Investment Climate Facility for Africa that issues licenses, processes electronic customs declarations and electronic payments, issuance of receipts, monitoring movement of transit cargo and bond operations.
				Enhance technology, skills, and production processes to integrate women-owned/- led firms into value chains	e-services (digital payments)	P162599	BENIN: Digital Rural Transformation Project Component 1 includes improving access to broadband services in targeted rural communities and developing high potential value chains, including digitization of value chain payments, and improving the business climate/PPPs, with a focus on women in the agriculture sector.
				Enhance technology, skills, and production processes to integrate women-owned/- led firms into value chains	Enterprise Resource Planning (ERP) software	P167543	NIGER: Smart Villages for Rural Growth and Digital Inclusion project includes Sub- component 3.2.2. which facilitates digitization of payments made to farmers through Enterprise Resource Planning (ERP) software, enabling agriculture federations in the value chains to better manage relationship with co-operatives and for co-operatives in turn to better manage their relationship with member farmers in the value chain.
				Link women to local, regional, and international markets through supplier databases	digital database	601417	VIETNAM: Private Sector Competitiveness/Supplier Development Program includes Component 2.1 Improved information on local suppliers made available through development and launch of a high-quality online supplier database.
				Link women to local and international markets through meet-the-buyer events and training	digital platform	Intracen	MULTI-REGION: Intracen, the ICT-led Global Platform for Action on Sourcing from Women Vendors, seeks to increase the amount of corporate, government and institutional procurement secured by women vendors. WSMEs receive training and market linkage opportunities through Buyer Mentor Groups and participate in an annual Women Vendors Exhibition and Forum.