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Can design reforms improve the adoption of the Soil Health Card among India’s farmers?

Clad in a faded vest and dhoti, 53-year-old Bhagya Narayan has been farming in his little plot of land for the past 40 years. A veteran farmer from an aspirational block in India’s Bihar state, Bhagya uses a blend of traditional wisdom and modern farming techniques. He understands how optimum fertilizer use can improve soil health. When the Soil Health Card (SHC) was distributed in his block a few years ago, he could adopt its recommendations on fertilizer use with ease, which eventually improved his farm’s productivity.

However, Bhagya’s story is an exception.

For most smallholder farmers in his block, the SHC remains a missed opportunity. The SHC’s complicated terminology and layout make it difficult for the farmers to understand the card, which leaves them unsure. They do not know how to put the information into practice. The limited support from frontline agriculture officials, or even from informed farmers like Bhagya, makes many farmers set the SHC aside.

Bhagya notes, “The SHC has great value, but it is too complicated. It needs to be simplified so every farmer can derive its benefits.”

His observation reflects a nationwide challenge. A decade since its launch, around 250 million SHCs have been distributed to farmers across India. The card can potentially boost productivity, as some states recorded yield improvements of up to 40%. However, adoption is still limited due to persistent implementation hurdles. Several studies have highlighted these barriers over the years, including those by MSC and other organizations in specific states or regions. Among these challenges, the SHC’s design significantly limits its adoption.

MSC adopted a human-centered design approach to understand how farmers perceive and use the SHC to address these design barriers. We conducted focus group discussions with farmers in four aspirational blocks of Bihar and Assam. Through empathy mapping, we identified key design barriers and developed a more farmer-friendly version of the SHC.

MSC’s research revealed several barriers:

  • Technical language: Many farmers struggled to understand the jargon-heavy content. For example, terms, such as pH and EC were mentioned without their full forms or explanations.
  • No visual cues: The SHCs delivered nutrient results in a text-heavy format, and as a result, farmers with low literacy struggled to understand and apply the information.
  • Unclear QR integration: The QR code on the SHCs was meant to give farmers access to detailed reports and crop-specific fertilizer recommendations. However, many farmers could not use the code due to a lack of clear instructions.
  • Unit conversion challenges: The SHC uses hectares as a unit of measurement in the card, rather than the local units prevalent in Bihar, such as kattha or dismil. This disparity also hindered adoption.
  • Bulky layout: The large single-sheet format led to frequent folding, which caused the card to wear and tear and become inconvenient to use.

These issues affect how farmers engage with the SHC, which prompted MSC to redesign the SHC with a focus on simplicity, accessibility, and practicality. MSC’s redesign incorporated several improvements. We redesigned the SHC into a foldable format, which made it more durable and easier to use frequently. The QR code featured in the card was supplemented with clear, step-by-step directions to enhance usability. Additionally, we used locally preferred land measurement units in the SHC to encourage adoption.

Figure 1: Comparison of the original and redesigned soil health card

Through an iterative redesign process, the SHC became more farmer-friendly. During feedback sessions, farmers reported that they could make sense of the redesigned card and showed greater confidence in its recommendations. One farmer remarked, “We can understand it better now. Receiving such a card from the government would be beneficial to us.

How can we unlock the SHC’s transformative potential?

Design reforms alone cannot drive change—the true potential of SHCs will be realized when farmers across the country receive accurate information at the right time alongside better support. A synchronized approach is essential to address this—one that blends timely policy implementation, upgraded infrastructure, strong farmer engagement, and more accessible design.

  • Receiving the SHC: Deliver the right information on time

For the SHC to be useful, the first step is to deliver the right information at the right time. This requires a well-coordinated pipeline, from on-time soil sample collection to lab analysis, card generation, and last-mile distribution. The scheme’s operational guidelines outline a 30-day turnaround time. Samples should be collected within 10 days, analyzed in the next 10 days, and SHCs printed and distributed in the final 10 days. Block-level staff and trained personnel must be available and equipped to collect samples through standard protocols to achieve this turnaround time. Each block should also have a soil testing lab or mobile unit, with proper staff, resources, and supervision to maintain quality and turnaround times. Many farmers do not receive the card at all due to gaps in the implementation of these steps.

  • Engaging with the SHC: Drive farmer engagement through community-level support

Since the card is issued once every three years, farmers need regular nudges, especially before each sowing season, to encourage healthy fertilizer use. This is why field-level engagement activities, such as periodic demonstrations, are essential. Guidelines for demonstration under the scheme rightly emphasize a participatory, farmer-facing approach. They also mandate activities, such as field days and farmer melas, to engage surrounding communities and build farmer confidence.

Implementing agencies, which include the Department of Agriculture, Krishi Vigyan Kendras (KVKs), state agricultural universities, and registered NGOs, play a key role in technical inputs, training, and support during demonstrations. Building social proof through visual comparison between SHC-applied and control plots could reinforce the idea that the SHC is a practical decision-making tool. The guidelines also recommend that subject matter specialists and farmers collaborate to conduct on-field demonstrations that compare SHC-based practices with traditional ones. MSC’s pilot study in 2018 in Krishna district, Andhra Pradesh, showed the impact of active awareness drives, where targeted messaging and local outreach significantly increased SHC adoption by farmers.

  • Understanding the SHC: Reimagine the SHC design for everyday usability

Once farmers have access to the SHC and understand how to use it, the card’s design determines its usefulness. It must be easy to understand, supported by the implementation of the design reforms suggested above across all states in India. State agriculture departments must regularly review and adapt the SHCs to reflect these design principles, which would ensure the card functions as a farmer-friendly tool. In addition, artificial intelligence (AI) tools can be used to help farmers better understand the card. For instance, the Bihar Krishi app, developed by MSC, is a digital platform that provides farmers with access to essential resources and services, and uses AI to deliver SHC’s insights in easily comprehensible Hindi.

This three-step approach shows that for the SHC to reach its true potential, design improvements must go hand-in-hand with timely delivery and sustained farmer engagement. Achieving this vision will require proactive leadership from policymakers and sustained support from state-level implementing agencies. Farmers like Bhagya Narayan show that when the right information is paired with the right support, the SHC can become a powerful tool to improve soil productivity.

The redesign of the soil health card was led by Dinesh Singh, Associate Manager with the Knowledge Management Marketing team at MSC.

The landscape and financial access of social commerce sellers in Indonesia

Social commerce sellers have emerged as Indonesia’s new generation of entrepreneurs. They hold massive potential to expand the country’s MSME ecosystem. They can create new pathways for women and small businesses to participate in the digital economy. Unlike formal e-commerce platforms, social commerce uses channels, such as WhatsApp, Instagram, and Facebook, which are already familiar to many sellers and provide a flexible entry point into the market. 

This report hinges on data from 458 respondents across seven provinces, 70% of whom are female sellers. We present two core findings: 1) The journey of social commerce sellers, and 2) their access to credit and financial services. Together, these findings offer a comprehensive view of the challenges that sellers face. For many, social commerce serves as their first step towards digitalization. 

The report also identifies pressing issues in the social commerce ecosystem, such as unclear regulatory frameworks, limited trust and protections for customers and sellers, and fragmented digital tools for each sales step that make transactions inefficient. 

At the same time, the report identifies opportunities for policymakers, regulators, and financial service providers to strengthen this ecosystem. These stakeholders can help sellers grow sustainably if they link formalization with real benefits, integrate financial solutions into platforms, and design safeguards to build trust. 

The social commerce sector must understand the sellers’ journeys and address the financial barriers they face. This is how the sector can realize its full potential and drive inclusive digital transformation. 

Here are the links to the reports: 

  1. Click here to download the full report in English. 
  2. Click here to download the full report in Bahasa Indonesia. 

Bancassurance in Bangladesh: How we can harness the distribution potential to grow inclusive insurance

This white paper outlines a strategic roadmap for advancing bancassurance as a scalable and inclusive insurance distribution model in Bangladesh. It highlights the regulatory, institutional, and technological enablers needed to strengthen consumer trust, drive innovation, and expand outreach, particularly in rural and underserved areas. The paper also emphasizes the role of bancassurance in building climate resilience through digital delivery, parametric products, and ecosystem collaboration, and outlines actionable pathways for regulators, banks, and insurers. It also showcases MSC’s role in providing policy support, product innovation, and capacity building to create an equitable, climate- smart insurance ecosystem

Unlocking financial resilience: How MFIs can solve the climate disaster in Bangladesh’s farm economy

Around 60 million smallholder farmers produce nearly 60% of Bangladesh’s food. However, most lack adequate tools to adapt to the dangerous risks climate change brings. Every year, these farmers face threats, such as floods, droughts, cyclones, salinity intrusion, river erosion, and pest outbreaks. The scale and frequency of these disasters continue to grow, with deadly results.

In 2024, monsoon floods destroyed 1.1 million metric tons of rice, while Cyclone Remal damaged crops across 50 districts, and a record-breaking April heatwave scorched rice and fruit harvests. In coastal Khulna, salinity intrusion and drought wiped out more than 18,800 hectares of paddy and vegetables. In November 2023, Cyclone Midhili flooded farmlands and affected more than 160,000 farmers. For families who already live on the edge, one bad season can push them back into poverty. This forces them to make painful trade-offs between food, education, and healthcare.

MSC recently conducted a study on agri-allied customers in some of Bangladesh’s most climate-vulnerable regions. We found that when a climate shock hits, farmers react with urgency. They withdraw any savings or sell off assets to buy food, repair homes, replace lost livestock, and cover other important expenses. The need for capital surges once the immediate crisis has passed, as farmers must replant crops, rebuild structures, and replace equipment. This drives up the demand for loans. However, they hesitate to take on new debt as income sources become uncertain. MSC’s primary study also reveals a similar trend, as shown in the graph.

In these moments of urgency, farmers resort to System 1 Thinking, which is hasty, instinctive, and often desperate. Many smallholder farmers borrow from multiple sources and must sometimes turn to informal moneylenders who charge steep interest rates. What starts as survival borrowing can spiral into a vicious debt cycle, as they scramble to repay one loan by taking on more debt that eats into their already fragile incomes. Their lives are so precarious that a single failed farming season can trap a household in chronic financial distress without any safety net.

Credit and savings have expanded significantly in rural Bangladesh due to microfinance institutions (MFIs). However, these tools alone are not enough during and after climate disasters. This is where products, such as asset-based microinsurance, can cushion when disaster strikes. Unfortunately, insurance coverage in rural Bangladesh remains negligible. Less than approximately 1% of older farmers have any form of comprehensive agricultural insurance.

Farmers often view insurance with suspicion. Many hear stories of delayed payouts, unclear policy terms, or agents who disappear after they collect premiums. Others consider insurance a bad omen. Insurers have limited rural reach on the supply side. They have a thin distribution channel and slow administrative processes. The insurers are less digitally connected and do not understand claim mechanisms well. The result is a trust gap, and farmers who could benefit the most from insurance are the least likely to buy it.

From the insurers’ perspective, rural markets are hard to reach profitably. Yet, if they partner with MFIs, they can unlock high-volume, low-cost distribution. MFIs already have the network, client trust, and collection systems in place that can lower acquisition costs and improve premium collection rates.

For decades, MFIs have built deep, trusted relationships with rural clients. Farmers see MFI staff regularly to disburse loans, collect them, and for financial advice and support. This trust and accessibility give MFIs an advantage most insurers lack. MFIs can embed microinsurance into current loans or savings products and make them easy to adopt. They can collect premiums and loan instalments at the same time, which would remove the need for separate payments and reduce administrative hurdles. MFI staff can act as facilitators between farmers and the insurers when claims are needed by the farmers. This would help farmers file claims and ensure timely and transparent payouts.

From the insurers’ perspective, rural markets are hard to reach profitably. Insurers can partner with MFIs to unlock high-volume and low-cost distribution. MFIs already have the network, client trust, and collection systems that lower acquisition costs and improve premium collection rates. A partnership between MFIs and insurers can go beyond social impact and serve as a business opportunity for insurers. Therefore, insurers can work with MFIs to expand their customer base, diversify risk pools, and build long-term revenue streams from millions of small but consistent premiums.

Globally, MFI–insurer partnerships have proven effective. In the Philippines, the microinsurance mutual benefit associations (Mi-MBAs) bundle insurance with microloans, which insure more than a million clients. In Indonesia, PasarPolis partners with MFIs and digital platforms to sell affordable, simple insurance products alongside everyday transactions. In India, VimoSEWA combines insurance with social protection and livelihood support for women in the informal sector.

Bangladesh has started to see similar innovations. The Bangladesh Rural Advancement Committee (BRAC) has partnered with the Syngenta Foundation, the Green Delta Insurance Company, and the Sadharan Bima Corporation to offer crop insurance to its clients. MSC’s research revealed that when products are simple, affordable, and trusted, farmers are willing to pay the extra premium for their peace of mind. However, the scale remains small, and broader adoption requires MFIs to innovate products, simplify claims, and engage strongly with communities.

In recent years, climate risks have only intensified, while the gap between farmers’ needs and the tools available to manage those risks has widened. MFIs can uniquely bridge that gap to complete the financial protection package with embedded microinsurance alongside credit and savings. For farmers, this financial protection package means the difference between a fresh start after a disaster or years of debt. For MFIs, it can protect loan portfolios and strengthen client relationships. For insurers, it provides a way to access a profitable, underserved rural market at scale. Ultimately, this creates mutual benefits for all the involved stakeholders.

Microinsurance is the missing link in rural financial resilience that can emerge as the gateway to a transformative future for smallholder farmers. When we empower MFIs to deliver microinsurance, we can transform lived experiences from survival toward inclusivity and planned empowerment. It is time to equip Bangladesh’s farmers in Bangladesh with the tools they need to withstand and recover from climate disasters.

Design that works: The Mi4iD approach

We developed Mi4iD—our proprietary, multidisciplinary thinking process. Mi4iD blends behavioral science, rigorous research, and human-centered design, through which we solve complex challenges in social and economic development.

We use Mi4iD to keep empathy at the core of our research as we uncover why people do what they do, build solutions that drive change, and test them in the real world. Our teams cocreate with clients to prototype user-centric products and services that are desirable, feasible, and scalable.

Mi4iD brings structure to innovation through:
1) Grounded insights
2) Strategic ideation
3) Real-life testing
4) Scalable design blueprints

Discover more about Mi4iD, how it works, and how it transforms intent into impact at https://www.microsave.net/mi4id/

Collaborate with us and learn more about the Mi4iD process at info@microsave.net or mi4id@microsave.net.