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Are assets-poor individuals excluded from risk-sharing mechanisms? Evidence from rural Rwanda

De Bock, Ombeline (2015), Are assets-poor individuals excluded from risk-sharing mechanisms? Evidence from rural Rwanda. https://basepub.dauphine.fr/handle/123456789/18029

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NOPOOR WP#3_N°79_Are assets-poor individuals excluded from risk-sharing.pdf (15.93Mb)
Type
Document de travail / Working paper
Date
2015
Series title
NOPOOR Working Paper
Series number
79
Pages
53
Metadata
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Author(s)
De Bock, Ombeline
Fonds de la Recherche Scientifique [FNRS]
Abstract (EN)
We investigate, in this paper, to which extent the socio-economic status of rural Rwandans determines participation in informal groups offering financial services. We exploit first-hand individual survey data from two Eastern districts in Rwanda including rich information on group membership and group member characteristics. Our goal is to explore whether membership in these informal groups is restricted to better-of households. We observe that it is crucial to distinguish groups by type of services offered. While asset-poor households are less likely to be members of groups offering credit and savings services, a reverse tendency is observed for groups offering insurance services. In addition, the analysis finds that poor are also disproportionately excluded from formal and informal financial alternatives to groups. Finally, public intervention, though very carefully implemented in the country, is not sufficient to provide social protection to the bottom poor. Nevertheless, a key finding of this study is that public intervention emerges as complementing decentralized access to financial services. In other words, Rwandan public funds mostly benefit the otherwise-excluded poor.
Subjects / Keywords
Social cohesion; Microfinance; poverty
JEL
I32 - Measurement and Analysis of Poverty
I38 - Government Policy; Provision and Effects of Welfare Programs

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