The issue of funding

Access to financing remains one of the biggest obstacles preventing women farmers from unlocking their full potential.

Traditional financial systems have rarely been designed with rural women in mind. Loan products often require collateral that women do not possess, such as land titles or formal assets. Repayment schedules may not align with agricultural cycles, creating additional pressure during periods of low income. Limited financial literacy and reduced mobility further exacerbate exclusion. Women are often viewed as «high-risk» borrowers, despite evidence that’They often repay loans better than men. Furthermore, women are disproportionately affected by climate change., Each day of extreme heat reduced their agricultural yields by 3% more than those of men (FAO, 2023). Result: 742 million women worldwide remain excluded from formal financial services (World Bank, 2025).

Women farmers need financial ecosystems that recognize their realities: products adapted to seasonal cash flows, insurance mechanisms that protect them against shocks, savings opportunities that strengthen resilience, and training that improves both their agricultural and financial capacities.