Savings, Insurance and Debt over the Post-Apartheid Period: A Review of Recent Research

 

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dc.creator Ardington, Cally
dc.creator Lam, David
dc.creator Leibbrandt, Murray
dc.creator Levinsohn, James
dc.date 2013-10-03T13:32:30Z
dc.date 2013-10-03T13:32:30Z
dc.date 2004-05
dc.date.accessioned 2015-05-28T10:06:24Z
dc.date.available 2015-05-28T10:06:24Z
dc.date.issued 2015-05-28
dc.identifier 0-7992-2260-7
dc.identifier http://hdl.handle.net/11090/640
dc.identifier.uri http://hdl.handle.net/11090/640
dc.description Sustainable poverty reduction requires that poor households effectively manage risk. The absence of basic financial services is a major obstacle to poverty reduction in South Africa. This paper reviews available South African literature on utilisation of formal and informal risk management instruments. The centrality of income in accessing the complementary bundle of formal financial services excludes households in the lower deciles from formal financial services. Rural households and households without formally employed household members are also denied access. Strong complementarities with informal channels of finance mean that these same households have limited access to even informal financial services. Promoting the use of savings accounts in pension and social grant payouts and the growth of village banks have been suggested as means to increase formal access for the poor.
dc.language en
dc.publisher CSSR and SALDRU
dc.relation CSSR/SALDRU Working Paper;65
dc.subject Savings
dc.subject Insurance
dc.subject Debt
dc.subject Post-Apartheid
dc.subject Social Grants
dc.subject Pension
dc.title Savings, Insurance and Debt over the Post-Apartheid Period: A Review of Recent Research
dc.type Working Paper
uct.type.publication Research en_ZA
uct.type.resource Working Paper en_ZA
dc.publisher.institution University of Cape Town
dc.publisher.faculty Faculty of Commerce en_ZA
dc.publisher.department SALDRU en_ZA
dc.identifier.ris TY - Working Paper DA - 2015-05-28 DB - OpenUCT DP - University of Cape Town KW - Savings KW - Insurance KW - Debt KW - Post-Apartheid KW - Social Grants KW - Pension LK - https://open.uct.ac.za PB - University of Cape Town PY - 2015 T1 - Savings, Insurance and Debt over the Post-Apartheid Period: A Review of Recent Research TI - Savings, Insurance and Debt over the Post-Apartheid Period: A Review of Recent Research UR - http://hdl.handle.net/11090/640 ER - en_ZA


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