UG: How to Apply For Retail Finance Distribution (ReFinD) Research Initiative Funding

UG: How to Apply For Retail Finance Distribution (ReFinD) Research Initiative. – The Retail Finance Distribution (ReFinD) research initiative is an Institute of Statistical, Social, and Economic (ISSER) of the University of Ghana led initiative with funding from the Bill & Melinda Gates Foundation. Applications are open for the second round of ReFinD sub-grants for research in retail finance distribution.

Category of Funding/Grant

There are five categories of sub-grants: proposal development, pilot projects, natural experiments, extensions, and green field evaluations.

Category Sub-grant award (USD)
Proposal development $5,000
Pilot research $40,000 – $60,000
Natural experiment $40,000 – $60,000
Extension of an existing research $100,000 – $125,000
Greenfield research project $250,000 – $450,000


Click here to read more on grant categories.

The grants are targeted at research institutions, policymakers, and commercial players with a thematic interest in digital financial service (DFS) retail distribution, and agent banking/ networks across Sub-Sahara Africa, South East Asia, and South Asia. Applicants are invited to consult the Framework paper “Digital Finance Retail Distribution Networks in Low- and Middle Income Countries: A Research Agenda to better understand the policy motivation and research questions acceptable for consideration under this scheme.

How to Apply 

The UG Retail Finance Distribution (ReFinD) Research Initiative is a program designed to support undergraduate students interested in conducting research related to retail finance distribution. If you are interested in applying to this program, Click here to Begin your Application.

Application Deadline

The closing date for applications is Friday, March 31, 2023.

Information Sessions

For further clarification on the RFP and the application process, you are invited to register for an information session.  Please click here to register.


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