2. Impact of farmers’ access to ICT services on household savings & credit payment Experiences from the Philippines

3. Research Objectives Understand how mobile/ICT applications changes farmer access Understand key elements of farmer adoptions Understand MFIs capability of pursuing new farmer segments, capture greater farmer data and promote cross-selling through ICT-based agriculture tech support and ultimately mobile money

4. Research Methodology Malapatan Multi purpose Cooperative Sarangani, Mindanao First Consolidated Cooperative Along Tañon Seaboards Cebu City, Visayas Agri ICT Services Nutrient Manager Crop Manager e-Extension, Elearning (ATI) Agriculture & Fishering Market Information System 111 farmer respondents 112 farmer respondents MFIs Households

5. Work Plan DeliverablesTargetCompletedReported Pre field Phase: Tools development Jun 2012Jul 2012Dec 2012 Field / data processing Phase: data gathering, encoding and analysis Jul & Oct 2012 Jan 2013 Aug 2012 Nov 2012 Dec 2012 Post field Phase: Report/ presentation writing Aug Dec 2012 Mar 2013 Nov 2012Dec 2012

6. INITIAL FINDINGS Farmers’ savings and credit payment Relation between the access to ICT services and Farmers’ savings and credit payment level Comparative analysis for Sarangani and Cebu Perception of farmer households on the ICT services

7. Farmers’ savings and credit payment Farmer household spending pattern/priorities

8. Farmers’ savings and credit payment Savings Method

9. Savings Challenges Farmers’ savings and credit payment

10. Loan history

11. Relation between the access to ICT services and Farmers’ savings and credit payment level Farm production Farm production quality Farm improvement Demand for farm technical assistance

12. Relation between the access to ICT services and Farmers’ savings and credit payment level Farm production

13. Relation between the access to ICT services and Farmers’ savings and credit payment level Farm production quality

14. Relation between the access to ICT services and Farmers’ savings and credit payment level Farm improvement

15. Relation between the access to ICT services and Farmers’ savings and credit payment level Demand for farm technical assistance

16. Comparative analysis for Sarangani and Cebu Savings & Credit payment patterns Farmer household production & improvement priorities Demand for technical assistance Climate change coping mechanism Farmer entrepreneurship

17. Perception of farmer households on the ICT services

18. CONCLUSIONS Farmers need human intermediaries to facilitate learning process and actual use of ICT services Access to ICT services, household savings and repayment capacity are not correlated to richness or poorness of the area Relation between access to ICT services and repayment capacity is much more complicated that need to be thoroughly investigated. ICT services can also be utilized for capacity building of MFIs whose impact will trickle down to the farmers Great need to develop farmer entrepreneurship through ICT services.