Impact of farmers’ access to ICT services on

household savings & credit paymentExperiences 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

Agri ICT Services

• Nutrient Manager• Crop Manager• e-Extension, Elearning (ATI)• Agriculture & Fishering Market Information System

111 farmer respondent

s

112 farmer respondents

MFIs Households

Work PlanDeliverables Target Completed ReportedPre field Phase: Tools development Jun 2012 Jul 2012 Dec 2012

Field / data processing Phase: data gathering, encoding and analysis

Jul & Oct 2012 Jan 2013

Aug 2012Nov 2012 Dec 2012

Post field Phase:Report/ presentation writing

Aug Dec 2012Mar 2013

Nov 2012 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

• Savings Challenges

Farmers’ savings and credit payment

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.