Inherent gender bias in the economic system, for example, regularly limits a woman’s access to credit. That’s especially true for smallholder female farmers in Nigeria where cultural norms and lack of collateral often prevent women from borrowing money. Without adequate funds for capital investments, female farmers are less likely than men to buy and use fertilizer, drought-resistant seeds, sustainable agricultural practices, and other advanced farming tools and techniques that increase crop yields but NAAD is changing the narration through our loan scheme.