Savings, insurance and debt over the post-apartheid period: a review of recent research
| dc.contributor.author | Cally, Ardington | |
| dc.contributor.author | David, Lam | |
| dc.contributor.author | Murray, Leibbrandt | |
| dc.contributor.author | James, Levinsohn | |
| dc.date.accessioned | 2016-04-25T11:33:23Z | |
| dc.date.available | 2016-04-25T11:33:23Z | |
| dc.date.issued | 2004 | |
| dc.date.updated | 2016-04-25T11:29:56Z | |
| dc.description.abstract | 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. | en_ZA |
| dc.identifier.apacitation | Cally, A., David, L., Murray, L., & James, L. (2004). <i>Savings, insurance and debt over the post-apartheid period: a review of recent research</i> University of Cape Town ,Faculty of Humanities ,Centre for Social Science Research(CSSR). Retrieved from http://hdl.handle.net/11427/19195 | en_ZA |
| dc.identifier.chicagocitation | Cally, Ardington, Lam David, Leibbrandt Murray, and Levinsohn James <i>Savings, insurance and debt over the post-apartheid period: a review of recent research.</i> University of Cape Town ,Faculty of Humanities ,Centre for Social Science Research(CSSR), 2004. http://hdl.handle.net/11427/19195 | en_ZA |
| dc.identifier.citation | Ardington, C., Lam, D., Leibbrandt, M., & Levinsohn, J. (2004). Savings, insurance and debt over the post-apartheid period: A review of recent research. Centre for Social Science Research, University of Cape Town | en_ZA |
| dc.identifier.isbn | 0-7992-2260-7 | en_ZA |
| dc.identifier.ris | TY - Working Paper AU - Cally, Ardington AU - David, Lam AU - Murray, Leibbrandt AU - James, Levinsohn AB - 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. DA - 2004 DB - OpenUCT DP - University of Cape Town J1 - Centre for Social Science Research LK - https://open.uct.ac.za PB - University of Cape Town PY - 2004 SM - 0-7992-2260-7 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/11427/19195 ER - | en_ZA |
| dc.identifier.uri | http://hdl.handle.net/11427/19195 | |
| dc.identifier.vancouvercitation | Cally A, David L, Murray L, James L. Savings, insurance and debt over the post-apartheid period: a review of recent research. 2004 [cited yyyy month dd]. Available from: http://hdl.handle.net/11427/19195 | en_ZA |
| dc.language | eng | en_ZA |
| dc.publisher.department | Centre for Social Science Research(CSSR) | en_ZA |
| dc.publisher.faculty | Faculty of Humanities | en_ZA |
| dc.publisher.institution | University of Cape Town | |
| dc.rights | Attribution-NonCommercial-NoDerivatives 4.0 International (CC BY-NC-ND 4.0) | |
| dc.rights.uri | https://creativecommons.org/licenses/by-nc-nd/4.0/ | |
| dc.source | Centre for Social Science Research | |
| dc.source.uri | http://www.cssr.uct.ac.za/ | |
| dc.subject.other | savings | |
| dc.subject.other | insurance | |
| dc.subject.other | debt | |
| dc.subject.other | post-apartheid | |
| dc.title | Savings, insurance and debt over the post-apartheid period: a review of recent research | en_ZA |
| dc.type | Working Paper | en_ZA |
| uct.type.filetype | Text | |
| uct.type.publication | Research | en_ZA |
| uct.type.resource | Research paper | en_ZA |