Several programmes try to provide innovative access to finance tor women, such as cash tlow-based loans with flexible collateral, direct credit from exporters to producers, or providing financial services though mobile phones. The women’s economic contributions were perceived as unimportant compared to the main cash crop contributions (usually the husband's view). Yet the woman’s income was otten significant in absolute terms and was critical in facilitating cash flow and maintaining family wellbeing during the off-seasons.