16 | SMALLHOLDER DIARIES TABLE 2: Sample summary of sources and uses of income: Tanzania Smallholder Diaries household SOURCES USD USES USD Selling beans $5.5 Clothes and shoes $5.8 Self-employment selling chips—income $71.4 Housekeeping supplies $1.2 Resources received from brother $14.4 Posho mill/grinding machine $3.5 Cash at home (withdrawal) $34.5 Public TV/movies $1.7 Supplier credit (borrowing) $5.2 Groceries $1.4 Personal care $1.2 Prepaid phone credit $0.3 Self-employment selling chips— expenses $58.7 Cash at home (deposits) $51.8 Supplier credit (repayment) $5.2 Total sources $131 Total uses $131 tions in the prior two wees­ ¦ne of the goals of each conversation was to bal- ance the sources and uses of money (see Œable ‘)­ €f, for example, after the interviewer had ased about the sources and uses of money, the respondent was to then mention that he or she had purchased some fertili—er, the interviewer would follow up with more uestions to understand where the money had come from to mae that purchase, woring to bridge the gap between the uses of money and their sources­ Œhese gaps were monitored on a monthly basis, with an aim to eep them below ” percent­ Since in-ind transactions mae meaningful contributions to smallholder household well-being, interviewers also recorded the amount of select in-ind …• transactions and their approximate (self-reported) value­ Œhe crop tracer in the Smallholder ‰iaries allowed the research team to trac each crop grown by the household and record what was harvested, consumed, sold, lost, and given away­ Œhis information painted a picture of crop fluctuations in households over the course of year, and clearly illuminated the extent of household depen- dence on the in-ind consumption of its production and the magnitude and implications of any crop loss it experienced­ Œhe crop tracer data comple- mented the data on sales of livestoc byproducts (e­g­, eggs, mil) and changes in livestoc assets­ Œhe Smallholder ‰iaries also traced all separate income sources, such as “agricultural production income” and “odd „ob income” (also called casual income), and carefully noted their stops and starts over time­ €f a given income source temporarily stopped for a family, for example, and then restarted later in the year, it continued to be traced but was not double-counted as a new income source­ €n addition, each different crop and type of livestoc was counted and traced as a separate source of agricultural production income, given that each may have its own distinct production costs, timing considerations (e­g­, prepara- tion, planting, harvest), marets, payment modalities, and riss­ Œhe Smallholder ‰iaries also collected information on the ma„or income, health, and other shocs that households faced, and the related strategies they used to cope with them­ ¦ver time, when households experienced change—for example in their employment, when they started using new financial tools, and when their family experienced important life events such as births and adop- tions—interviewers recorded “change uestionnaires­” Œhis information then

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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