ACKNOWLEDGMENTS The authors wish to thank Mwombeki Baregu (Financial Sector Deepening Trust Tanzania), Juan Buchenau (World Bank Group), Wendy Chamberlin (Bill & Melinda Gates Foundation), Carlos E. Cuevas (Evans School of Public Policy and Governance, University of Washington), Janine Firpo (Bill & Melinda Gates Foundation), Scott Gardner (InterMedia), Michael Hamp (International Fund for Agricultural Development), Sosthenes Kewe (Financial Sector Deepening Trust Tanzania), Colleen Learch (Inter- Media), Richard Meyer (Ohio State University), Benedito Murambire (Financial Sector Deepening Trust Mozambique), John Ndunguru (Bill & Melinda Gates Foundation), Jessie Wild Sneller (Ideo.org), Rossana Ramirez, Stuart Rutherford (SafeSave), and Jason Wendle (Rural and Agricultural Finance Learning Lab) for their valuable guidance in this research and the production of this paper. © 2016, Consultative Group to Assist the Poor (CGAP) 1818 H Street NW, MSN IS7-700 Washington DC 20433 Internet: www.cgap.org Email: [email protected] Telephone: +1 202 473 9594 Rights and Permissions This work is available under the Creative Commons Attribution 3.0 Unported license (CC BY 3.0) http:// creativecommons .org/licenses/by/3.0. Under the Creative Commons Attribution license, you are free to copy, distribute, transmit, and adapt this work, including for commercial purposes, under the following conditions: Attribution—Cite the work as follows: Anderson, Jamie, and Wajiha Ahmed. 2016. “Smallholder Diaries: Building the Evidence Base with Farming Families in Mozambique, Tanzania, and Pakistan.” Perspectives 2. Washington, D.C.: CGAP. License: Creative Commons Attribution CC BY 3.0 Translations—If you create a translation of this work, add the following disclaimer along with the attribution: This translation was not created by CGAP and should not be considered an official translation. CGAP shall not be liable for any content or error in this translation. All queries on rights and licenses should be addressed to CGAP Publications, 1818 H Street, NW, MSN IS7-700, Washington, DC 20433 USA; e-mail: cgap@world bank.org.

Financial Diaries with Smallholder Families - Page 5 Financial Diaries with Smallholder Families Page 4 Page 6
EXECUTIVE SUMMARY METHODOLOGY SAMPLE DEMOGRAPHICS
CHAPTERS
1. Income Sources 2. Patterns Of Agricultural Production 3. Income Volatility & Agricultural Production 4. Risk Mitigation 5. Household Financial Portfolios 6. Access To Mobile Phones 7. Implications For Financial Solutions
APPENDIX