Impact of farmers’ access
to ICT services on
household savings & credit payment
Experiences from the Philippines
Research Objectives
• Understand how mobile/ICT applications
changes farmer access
• Understand key elements of farmer adoptions
• Understand MFIs capability of pursuing new
farmer segments, capture greater farmer data
and promote cross-selling through ICT-based
agriculture tech support and ultimately mobile
money
Research Methodology
Malapatan Multi
purpose
Cooperative
Sarangani,
Mindanao
First Consolidated
Cooperative Along
Tañon Seaboards
Cebu City, Visayas
MFIs
Agri ICT Services
• Nutrient Manager
• Crop Manager
• e-Extension,
Elearning (ATI)
• Agriculture &
Fishering Market
Information System
111 farmer
respondents
112 farmer
respondents
Households
Work Plan
Deliverables
Pre field Phase:
Tools development
Field / data
processing Phase:
data gathering,
encoding and analysis
Post field Phase:
Report/ presentation
writing
Target
Completed Reported
Jun 2012
Jul 2012
Dec 2012
Jul & Oct
2012
Jan 2013
Aug 2012
Nov 2012
Dec 2012
Aug
Dec 2012 Nov 2012
Mar 2013
Dec 2012
INITIAL FINDINGS
• Farmers’ savings and credit payment
• Relation between the access to ICT services
and Farmers’ savings and credit payment level
• Comparative analysis for Sarangani and Cebu
• Perception of farmer households on the ICT
services
Farmers’ savings and credit payment
• Farmer household spending pattern/priorities
Farmers’ savings and credit payment
• Savings Method
Farmers’ savings and credit payment
• Savings Challenges
Farmers’ savings and credit payment
• Loan history
Relation between the access to ICT services and
Farmers’ savings and credit payment level
•
•
•
•
Farm production
Farm production quality
Farm improvement
Demand for farm technical assistance
Relation between the access to ICT services and
Farmers’ savings and credit payment level
• Farm production
Relation between the access to ICT services and
Farmers’ savings and credit payment level
• Farm production quality
Relation between the access to ICT services and
Farmers’ savings and credit payment level
• Farm improvement
Relation between the access to ICT services and
Farmers’ savings and credit payment level
• Demand for farm technical assistance
Comparative analysis
for Sarangani and Cebu
• Savings & Credit payment patterns
• Farmer household production & improvement
priorities
• Demand for technical assistance
• Climate change coping mechanism
• Farmer entrepreneurship
Perception of farmer households
on the ICT services
CONCLUSIONS
• Farmers need human intermediaries to facilitate learning
process and actual use of ICT services
• Access to ICT services, household savings and repayment
capacity are not correlated to richness or poorness of the area
• Relation between access to ICT services and repayment
capacity is much more complicated that need to be
thoroughly investigated.
• ICT services can also be utilized for capacity building of MFIs
whose impact will trickle down to the farmers
• Great need to develop farmer entrepreneurship through ICT
services.