Developing countries often have low adoption rates of new products that could potentially boost livelihoods, increase income and encourage productivity. The reasons for low take-up of these products could be that they are not designed in ways that fit the particular needs of the target population, or that the products are not easily attainable. IPA studies focus on designing products that address the specific contexts of the intended users across every program area.

Lack of access to finance limits small business growth—a problem that is exacerbated for Muslim business-owners, many of whom do not take out traditional loans for religious reasons.


In 2012, remittances from migrant workers to developing countries were roughly three times the total amount of global foreign aid, yet little is known about how to make these funds work better....