To identify who is using digital credit, the purposes for which it is used, and the risks borrowers experience, CGAP, FSD Kenya, and FSD Tanzania undertook the first large-scale surveys dedicated to these topics.

Smallholder families that use agricultural insurance can increase investments in more productive farming and nonfarming ventures as they feel more confident in managing related risks. However, significantly scaling the use of agricultural insurance among smallholders has been difficult in many parts of the world, especially in Africa.

CGAP shows how an enabling regulatory framework that is based on four enablers has contributed to advancing digital financial services in 10 countries.