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Analysis of Financial Access Interventions for the Artisanal and Small-Scale Gold Mining Sector

In most countries, artisanal and small-scale miners, who are typically part of the informal economy, struggle to access formal financial services.

Recognizing the importance of access to financing for the adoption of mercury-free processing technologies, the planetGOLD programme is exploring options for and promoting access to finance for artisanal and small-scale miners as part of the effort to drive the adoption of mercury-free processing technologies.

 

Cross-Programme Analysis

The report below provides a summary and cross-programmatic analysis of planetGOLD phase one country project experiences on improving access to finance, including analysis of gender-based financial barriers addressed and opportunities created. This comparative analysis highlights similarities and differences between different geographic and regulatory environments.
 

planetGOLD Project Case Studies

Detailed case studies from the projects in Burkina Faso, Colombia, Ecuador, Guyana, Kenya, Mongolia, Peru, and the Philippines complement the cross-programmatic analysis, documenting ASGM access to finance mechanisms planned, developed and/or tested in these countries.
 

Additional Financial Access Case Studies

Beyond this documentation of efforts within the planetGOLD programme, an additional set of case studies summarize financial access models undertaken by initiatives outside the planetGOLD programme.
 

 

Info Exchanges

On this separate page find materials shared as part of an in-person workshop and subsequent virtual information exchanges on financial inclusion for ASGM:

planetGOLD Financial Inclusion Information Exchanges

The Cross-Programme Analysis

 

Download the report below in English, French, or Spanish:

 

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    Cross-programme Analysis of planetGOLD ASGM Financial Access Interventions

    David Sturmes-Verbeek and Candice Jumwa, The Impact Facility; Cristian Arias and Kamila Gómez, Alliance for Responsible Mining English

    The comparative analysis detailed in this document draws learnings from efforts undertaken by nine planetGOLD countries participating in the first phase of the programme, by highlighting similarities and differences between different geographic and regulatory environments. This analysis draws on detailed case studies of these country experiences.

    View the case studies here

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    Download (PDF, 1.12 MB)
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    Analyse inter-programmes des interventions de planetGOLD en matière d’accès au financement de l’EMAPE

    The Impact Facility, ARM French

    Cette analyse s’appuie sur des études de cas détaillées des expériences menées dans ces pays. Pour huit de ces pays, les études de cas ont été développées grâce à la collaboration des équipes nationales planetGOLD respectives avec The Impact Facility (TIF) et l’Alliance for Responsible Mining (ARM).

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    Download (PDF, 1.29 MB)
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    Análisis de las intervenciones de acceso a la financiación para el sector de la MAPE para todo el programa planetGOLD

    David Sturmes-Verbeek and Candice Jumwa, The Impact Facility; Cristian Arias and Kamila Gómez, Alliance for Responsible Mining Spanish

    El análisis comparativo que se detalla en este documento extrae enseñanzas de los esfuerzos realizados por nueve países planetGOLD participantes en la primera fase del programa, poniendo de relieve las similitudes y diferencias entre los distintos entornos geográficos y normativos. Este análisis se basa en estudios de caso detallados de las experiencias de estos países.

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    Download (PDF, 1.23 MB)

    • The planetGOLD Project Case Studies

     

    The case studies below from the planetGOLD projects in Burkina Faso, Colombia, Ecuador, Guyana, Kenya, Mongolia, Peru, and the Philippines provide detailed documentation of ASGM access to finance mechanisms planned, developed and/or tested in these countries. 

     

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    Documentation of planetGOLD Burkina Faso ASGM Financial Inclusion Interventions

    Cristian Arias, Kamila Gómez, and Abdoulata Dabiré, Alliance for Responsible Mining English

    This case study documents the finance models implemented by the planetGOLD Burkina Faso project in artisanal and small-scale gold mining (ASGM) communities, with a consideration of the gender aspects of the projects. 

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    Download (PDF, 2.14 MB)
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    Documentation of planetGOLD Colombia ASGM Financial Inclusion Interventions

    planetGOLD Colombia English

    This case study documents the finance models implemented by the planetGOLD Colombia project in artisanal and small-scale gold mining (ASGM) communities, with a consideration of the gender aspects of the projects. 

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    Download (PDF, 714.07 KB)
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    Documentation of planetGOLD Ecuador ASGM Financial Inclusion Interventions

    Cristian Arias, and Kamila Gómez, Alliance for Responsible Mining English

    This case study documents the finance models implemented by the planetGOLD partner project in Ecuador in artisanal and small-scale gold mining (ASGM) communities, with a consideration of the gender aspects of the projects. 

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    Download (PDF, 786.86 KB)
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    Documentation of planetGOLD Guyana ASGM Financial Inclusion Interventions

    Cristian Arias and Kamila Gómez, Alliance for Responsible Mining English

    This case study documents the finance models implemented by the planetGOLD Guyana project in artisanal and small-scale gold mining (ASGM) communities, with a consideration of the gender aspects of the projects. 

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    Download (PDF, 563.88 KB)
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    Documentation of planetGOLD Kenya ASGM Financial Inclusion Interventions

    David Sturmes-Verbeek and Candice Jumwa, The Impact Facility English

    This case study documents the finance models implemented by the planetGOLD Kenya project in artisanal and small-scale gold mining (ASGM) communities, with a consideration of the gender aspects of the projects. 

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    Download (PDF, 807.45 KB)
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    Documentation of planetGOLD Mongolia ASGM Financial Inclusion Interventions

    David Sturmes-Verbeek and Candice Jumwa, The Impact Facility English

    This case study documents the finance models implemented by the planetGOLD Mongolia project in artisanal and small-scale gold mining (ASGM) communities, with a consideration of the gender aspects of the projects. 

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    Download (PDF, 980.43 KB)
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    Documentation of planetGOLD Peru ASGM Financial Inclusion Interventions

    Cristian Arias and Kamila Gómez, Alliance for Responsible Mining English

    This case study documents the finance models implemented by the planetGOLD Peru project in artisanal and small-scale gold mining (ASGM) communities, with a consideration of the gender aspects of the projects. 

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    Download (PDF, 931.69 KB)
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    Documentation of planetGOLD Philippines ASGM Financial Inclusion Interventions

    David Sturmes-Verbeek and Candice Jumwa, The Impact Facility English

    This case study documents the finance models implemented by the planetGOLD Philippines project in artisanal and small-scale gold mining (ASGM) communities, with a consideration of the gender aspects of the projects. 

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    Download (PDF, 882.05 KB)

    • More Financial Access Case Studies

     

    In addition to analyzing interventions carried out within the planetGOLD programme to advance financial access for the ASGM sector, the 6 case studies listed below gather and analyze information on access to finance models/mechanisms for ASGM that have been tested under initiatives other than the planetGOLD programme. This research focuses on models that have been developed/tested since 2020 by a diverse range of finance providers, investigating barriers and perceived risks encountered during the development of these mechanisms and models.

     

     

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    The Impact Facility's Lease-to-Purchase Scheme - Financial Access Protocol

    planetGOLD English

    This case study gives an overview of a lease-to-purchase blended finance program developed by The Impact Facility for Sustainable Mining Communities (TIF) to provide equipment and foster sustainable mining practices in the ASGM sector of Western Kenya. This case study is part of a larger body of work documenting financial access interventions for the ASGM sector. 

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    Download (PDF, 5.11 MB)
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    FADev Tanzania Case Study - Financial Access Protocol

    planetGOLD English

    Highlighted in this case study are the results of a financial inclusion program for Tanzania's artisanal and small-scale mining sector begun in 2021 by The Foundation of ASM Development (FADev) in collaboration with SWISSAID Tanzania and the National Bank of Commerce (NBC). The program developed two pilot finance mechanisms in an effort to address critical challenges faced by ASM operators. This case study is part of a larger body of work documenting financial access interventions for the ASGM sector. 

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    Download (PDF, 1.33 MB)
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    Colombia Mining Dialogue Group (GDIAM) Case Study - Financial Access Protocol

    planetGOLD English

    Highlighted in this case study are results of a pilot initiative by the Colombia Mining Dialogue Group (GDIAM) initiated in January 2022 to provide banking services to miners. The project aimed to improve interactions between the mining and financial sectors. This case study is part of a larger body of work documenting financial access interventions for the ASGM sector. 

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    Download (PDF, 884.95 KB)
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    IMPACT Burkina Faso Case Study - Financial Access Protocol

    planetGOLD English

    Highlighted in this case study are the results of the “Foundations for Peace in Artisanal Gold Mining in Burkina Faso” project implemented by the NGO IMPACT and the Alliance for Responsible Mining (ARM) from 2021 to 2023. One of the project’s objectives was to strengthen the economic empowerment and financial inclusion of women engaged in ASGM in the target locations. This case study is part of a larger body of work documenting financial access interventions for the ASGM sector. 

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    Download (PDF, 1.8 MB)
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    Minera OREX & Solidaridad Case Study - Financial Access Protocol

    planetGOLD English

    Highlighted in this case study are the results obtained by the NGO Solidaridad and the mining company Minera OREX in achieving a prefinancing model that allowed its artisanal and small-scale mining suppliers (ASM) in Peru to have liquidity for their activities. This case study is part of a larger body of work documenting financial access interventions for the ASGM sector. 

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    Download (PDF, 915.06 KB)
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    Financial Access Protocol - GoldFinX Case Study

    JW Dumont, François Dumont English

    This case study delves into how the company GoldFinX, through its operational successes and philanthropic endeavors, has made a lasting impact on the artisanal and small-scale gold mining sector in Côte d'Ivoire, transforming challenges into opportunities for growth and positive change. This case study is part of a larger body of work documenting financial access interventions for the ASGM sector. 

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    Download (PDF, 2.8 MB)

    • Other Useful Resources

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    Curated Collection on Finance

    Visit the Curated Collections section of the online resource library to find more useful, relevant materials on access to finance for the artisanal and small-scale gold mining sector, including training materials, reports and more. The featured resources in the finance collection were hand-selected by the planetGOLD team.