In Brief

This brochure describes the operations of the African Postal Financial Services Initiative, highlighting the unique position of postal networks for extending access to cashless payments and securing affordable financial services in rural areas.

Higher temperatures, wildlife extinction, rising sea levels, droughts, floods, heat-related diseases and economic losses are among the consequences of climate change. Climate change disproportionally affects the poorest and most marginalized communities living in vulnerable regions, among them indigenous peoples, whose livelihoods depend on natural resources. 

Territorial approaches can enable governments to better address geographical or rural-urban inequalities to more effectively integrate the social, economic and environmental dimensions of development with regard to populations and sectors in a given geographical area.
They can help coordinate and concentrate efforts to address the spatial concentration of poverty and food insecurity in some less developed areas, reflecting vast spatial inequalities.

There are three major poverty divides in Ghana: rural-urban, northsouth, and between women and men. To meet these challenges, IFAD, the African Development Bank and the Government of Ghana are investing in rural northern Ghana to create viable economic opportunities – particularly for women – while improving market linkages with the south and neighbouring countries. The Northern Rural Growth Programme (NRGP) is spurring agricultural and rural growth and poverty reduction with innovative approaches like District Value Chain Committees (DVCCs). IFAD-supported NRGP worked in partnership, for example, with the Association of Church Based Development (ACDEP), a local NGO in northern Ghana to establish the DVCCs. Today, DVCCs are responsible for the effective planning, implementation, coordination and monitoring of activities in the maize, soya and sorghum value chains. The committees include buyers, input providers (seeds and fertilizers), service providers (extension and tractor services), financial institutions like rural banks, and farmer-based organizations (FBOs).