Browsing by Author "Esson, Ross"

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    Savings and savers: an analysis of saving behaviour among Cape Town's poor
    (2003) Esson, Ross
    This paper analyses the characteristics of low-income savers in a working class residential area of Cape Town. It uses the Khayelitsha and Mitchell's Plain Survey that was conducted in 2000. The survey was done at both a household and individual level for all adults over 18 years old. These household and individual datasets were merged to form the dataset used in this study. There were 4984 respondents of which 2644 were adults .The KMPS data set is a good foundation for analysing the characteristics of savers in a low income area characterised by high unemployment and poverty. Economic theory defines savings as that part of disposable.
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    Savings and Savers: An Analysis of Saving Behaviour among Cape Town's Poor
    (CSSR and SALDRU, 2015-05-28) Esson, Ross
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    Savings and savers: an analysis of saving behaviour among Cape Town's poor
    (2003) Esson, Ross
    This paper analyses the characteristics of low-income savers in a working class residential area of Cape Town. It uses the Khayelitsha and Mitchell's Plain Survey that was conducted in 2000. The survey was done at both a household and individual level for all adults over 18 years old. These household and individual datasets were merged to form the dataset used in this study. There were 4984 respondents of which 2644 were adults .The KMPS data set is a good foundation for analysing the characteristics of savers in a low income area characterised by high unemployment and poverty. Economic theory defines savings as that part of disposable.
  • Thumbnail Image
    Item
    Open Access
    Savings and savers: an analysis of saving behaviour among Cape Town's poor
    (2003) Esson, Ross
    This paper analyses the characteristics of low-income savers in a working class residential area of Cape Town. It uses the Khayelitsha and Mitchell's Plain Survey that was conducted in 2000. The survey was done at both a household and individual level for all adults over 18 years old. These household and individual datasets were merged to form the dataset used in this study. There were 4984 respondents of which 2644 were adults .The KMPS data set is a good foundation for analysing the characteristics of savers in a low income area characterised by high unemployment and poverty. Economic theory defines savings as that part of disposable.
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    Open Access
    The demand for savings services among the urban poor - evidence from the Khayelitsha panel study (2000-2004)
    (2006) Esson, Ross
    In signing its charter in 2002, the South African financial sector voluntarily committed itself to providing first order retail financial service access to the un-banked by 2008. Although much of the media attention and academic literature has been focused towards the challenge of providing basic transaction services, the charter has also set out specific savings targets for the 2008 deadline. It specified that by 2008, 80% of the poorest half of the South African population (as judged by living standard measures (LSMs)) should have effective access to appropriate savings products and services (National Treasury. 2002:9). Access to retail transaction banking services is the first key step to accessing more sophisticated financial products and services such as bank savings accounts, pension funds and unit trusts (Porteous, 2004: 21). By focusing on savings, this paper explores this element of the "financial services deepening" debate. If the savings services' net is to be extended through the design of more appropriate savings products for the poor, it is necessary to identify the factors that drive people to save in areas of high unemployment and poverty.