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

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NOPOOR WP#3_N°79_Are assets-poor individuals excluded from risk-sharing.pdf (15.93Mb)
Date
2015
Date de parution de l'ouvrage
09-2015
Titre de la collection
NOPOOR Working Paper
n° dans la collection
79
Indexation documentaire
Economie sociale
Subject
Social cohesion; Microfinance; poverty
Code JEL
I.I3.I32; I.I3.I38
URI
https://basepub.dauphine.fr/handle/123456789/18029
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Auteur
De Bock, Ombeline
110511 Fonds de la Recherche Scientifique [FNRS]
Type
Document de travail / Working paper
Nombre de pages du document
53
Résumé en anglais
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.

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