The term Money in physical form such as banknotes and coins. assistance refers to direct cash transfers to individuals, families and communities in need of humanitarian support in lieu of in-kind commodities or direct service delivery. The term can be used interchangeably with ‘cash-based interventions’ (CBI), ‘cash transfer programming’ (CTP), ‘cash and voucher assistance’ (CVA), and ‘cash-based programming (CBP)’. It does not include fund transfers from donors, A transfer of funds which discharges an obligation on the part of a payer vis-à-vis a payee. of incentives to the staff of local authorities, payment of salaries to national staff and those of implementing partners, or social protection payments in support of government. It also excludes Money sent home from emigrants working abroad. and aspects of A process by which individuals and businesses can access appropriate, affordable, and timely financial products and services. These include banking, loan, equity, and insurance products. While it is recognised that not all individuals need or want financial services, the goal of financial inclusion is to remove all barriers, both supply side and demand side. Supply side barriers stem from financial institutions themselves. They often indicate poor financial infrastructure, and include lack of ne... such as insurances, loans or micro-finance.