The impact of mobile money on Rwandan household consumption

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dc.contributor.advisorHollander, Hylton
dc.contributor.authorCedras, Joshua
dc.date.accessioned2025-11-19T08:44:25Z
dc.date.available2025-11-19T08:44:25Z
dc.date.issued2025
dc.date.updated2025-11-19T08:39:20Z
dc.description.abstractResearch on consumption patterns in developing countries shows that precautionary savings behaviour is common. This is driven by high-risk exposure to natural and economic shocks, and a lack of formal insurance mechanisms among rural farming households. The spread of mobile phones has introduced mobile money, which offers new financial opportunities to marginalized groups. This study examines mobile money's impact on consumption in Rwanda, using data from the Rwanda FinScope 2020 Survey. It applies probabilistic models and an instrumental variable approach to explore the relationship between mobile money use and consumption. The study finds that mobile money is financially inclusive and increases the likelihood of higher consumption among households. Remittances, representing financial flows between households, are key to this increased consumption smoothing. The findings suggest further research is needed to investigate whether household welfare improvements align with positive consumption patterns.
dc.identifier.apacitationCedras, J. (2025). <i>The impact of mobile money on Rwandan household consumption</i>. (). University of Cape Town ,Faculty of Commerce ,School of Economics. Retrieved from http://hdl.handle.net/11427/42271en_ZA
dc.identifier.chicagocitationCedras, Joshua. <i>"The impact of mobile money on Rwandan household consumption."</i> ., University of Cape Town ,Faculty of Commerce ,School of Economics, 2025. http://hdl.handle.net/11427/42271en_ZA
dc.identifier.citationCedras, J. 2025. The impact of mobile money on Rwandan household consumption. . University of Cape Town ,Faculty of Commerce ,School of Economics. http://hdl.handle.net/11427/42271en_ZA
dc.identifier.ris TY - Thesis / Dissertation AU - Cedras, Joshua AB - Research on consumption patterns in developing countries shows that precautionary savings behaviour is common. This is driven by high-risk exposure to natural and economic shocks, and a lack of formal insurance mechanisms among rural farming households. The spread of mobile phones has introduced mobile money, which offers new financial opportunities to marginalized groups. This study examines mobile money's impact on consumption in Rwanda, using data from the Rwanda FinScope 2020 Survey. It applies probabilistic models and an instrumental variable approach to explore the relationship between mobile money use and consumption. The study finds that mobile money is financially inclusive and increases the likelihood of higher consumption among households. Remittances, representing financial flows between households, are key to this increased consumption smoothing. The findings suggest further research is needed to investigate whether household welfare improvements align with positive consumption patterns. DA - 2025 DB - OpenUCT DP - University of Cape Town KW - Rwanda KW - Mobile Money LK - https://open.uct.ac.za PB - University of Cape Town PY - 2025 T1 - The impact of mobile money on Rwandan household consumption TI - The impact of mobile money on Rwandan household consumption UR - http://hdl.handle.net/11427/42271 ER - en_ZA
dc.identifier.urihttp://hdl.handle.net/11427/42271
dc.identifier.vancouvercitationCedras J. The impact of mobile money on Rwandan household consumption. []. University of Cape Town ,Faculty of Commerce ,School of Economics, 2025 [cited yyyy month dd]. Available from: http://hdl.handle.net/11427/42271en_ZA
dc.language.isoen
dc.language.rfc3066eng
dc.publisher.departmentSchool of Economics
dc.publisher.facultyFaculty of Commerce
dc.publisher.institutionUniversity of Cape Town
dc.subjectRwanda
dc.subjectMobile Money
dc.titleThe impact of mobile money on Rwandan household consumption
dc.typeThesis / Dissertation
dc.type.qualificationlevelMasters
dc.type.qualificationlevelMCom
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