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Facilitating savings among smallholder farmers to smooth or increase consumption

While farmers have expenses throughout the year, they often bring in cash from selling crops at just one or two points in time. Farmers largely make investments in their plots months after the harvest when households lack cash due to the agricultural cycle. Social pressures, self-control, or competing spending needs may also make it difficult for farmers to save for future purchases. Savings products could enable farmers to make investments by helping them allocate and store money to buy inputs, such as fertilizer or pesticides or other technologies, at a later time.