Overview : The overall objective of this assignment is to better understand the financial functioning of agricultural households in order to determine a targeted set of agricultural financial products and services. The key objectives of the assignment is to: - Understand the drivers behind consumers’ views, perceptions and behaviour on all aspects relevant to agricultural finance;
- Financial behaviour with regards to the use of formal and informal financial services and reasons for behaviour;
- Consumption; Expenditure patterns and behaviour;
- Current income generating strategies and risks associated with each of these;
- What are the main life challenges that people face on a continual basis (e.g. survival, safety, belonging, wellbeing of the group; survival of the fittest, control over their lives; order and stability; independence; achievement; responsibility; social responsibility, etc.);
- What are their aspirations for the future; how do they envisage they could potentially achieve their aspirations; what might be stumbling blocks; and
- Develop in-depth understanding of agricultural focused households, including:
- Income patterns
- Household size
- Agricultural value-chains within individual households
- Usage of agricultural finance products
- The potential markets for agricultural produce in DRC and how small holder agriculture households can become attractive for working with financial institutions
- Understand usage of financial products in the following main market segments – namely (i) non-commercial smallholders; (ii) commercial smallholders in loose value chains; (iii) commercial smallholders in tight value chains
Location: Kinshasa, DRC. Travel required for fieldwork. |