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dc.contributor.authorDe Bock, Ombeline*
dc.date.accessioned2018-09-18T07:56:03Z
dc.date.available2018-09-18T07:56:03Z
dc.date.issued2015
dc.identifier.urihttps://basepub.dauphine.fr/handle/123456789/18029
dc.language.isoenen
dc.subjectSocial cohesionen
dc.subjectMicrofinanceen
dc.subjectpovertyen
dc.subject.ddc334en
dc.subject.classificationjelI.I3.I32en
dc.subject.classificationjelI.I3.I38en
dc.titleAre assets-poor individuals excluded from risk-sharing mechanisms? Evidence from rural Rwandaen
dc.typeDocument de travail / Working paper
dc.description.abstractenWe 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.en
dc.identifier.citationpages53en
dc.relation.ispartofseriestitleNOPOOR Working Paperen
dc.relation.ispartofseriesnumber79en
dc.subject.ddclabelEconomie socialeen
dc.identifier.citationdate2015-09
dc.description.ssrncandidatenonen
dc.description.halcandidatenonen
dc.description.readershiprechercheen
dc.description.audienceInternationalen
hal.person.labIds110511*


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  • Projet Nopoor
    Projet européen NOPOOR Enhancing Knowledge for Renewed Policies against Poverty

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