National Survey and Segmentation of Smallholder Households in Mozambique - Understanding Their Demand for Financial, Agricultural, and Digital Solutions

This working paper shares the findings, observations, and insights from the national survey of smallholder households. It profiles smallholder farmers in Mozambique, including their household demographics, farmographics, directions of decision-making, how farmers self-identify and characterize their identity, and what motivates them to do the work they do. The report takes up how households manage their income and expenses, along with the issues they face that threaten income and often lead to financial instability. This paper then describes financial inclusion in the smallholder sector, exploring household tools that are essential for financial inclusion, including mobile phones and national identification documents, as well as adoption of financial products, awareness, barriers, and interests.