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Household Participation in Formal and Informal Savings Mechanisms: Evidence from Pakistan

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  • Carpenter, Seth B
  • Jensen, Robert T
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    Abstract

    Savings are an important determinant of both individual and national wellbeing. Typically, households employ a wide range of mechanisms for saving, including both formal and informal institutions. The choice of savings instrument has important micro- and macroeconomic implications. However, little is known empirically about the patterns of use of these instruments, or the factors affecting household decisions/ abilities to use them. The authors apply household-level data from a nationally representative survey for Pakistan to explore these issues in detail. In particular, they focus on the choice between banks and bisi, an informal saving committee similar in nature to a rotating-savings-and-credit association. Copyright 2002 by Blackwell Publishing Ltd

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    Bibliographic Info

    Article provided by Wiley Blackwell in its journal Review of Development Economics.

    Volume (Year): 6 (2002)
    Issue (Month): 3 (October)
    Pages: 314-28

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    Handle: RePEc:bla:rdevec:v:6:y:2002:i:3:p:314-28

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    Cited by:
    1. Abbi Kedir & Richard Disney & Indraneel Dasgupta, . "Why Use Roscas When You Can Use Banks? Theory And Evidence From Ethiopia," Discussion Papers 11/05, University of Nottingham, CREDIT.
    2. Ha van Dung, 2014. "Short-term precaution, insurance and saving mechanisms in rural Vietnam," Working Papers CIE 82, University of Paderborn, CIE Center for International Economics.
    3. El Mekkaoui de Freitas, Najat & Mage-Bertomeu, Sabine & Arestoff, Florence & Abdelkhalek, Touhami, 2010. "A microeconometric analysis of household savings determinants in Morocco," Economics Papers from University Paris Dauphine 123456789/12164, Paris Dauphine University.
    4. Mage, Sabine & El Mekkaoui de Freitas, Najat & Abdelkhalek, Touhami & Arestoff, Florence, 2012. "Les déterminants de l'épargne des ménages au Maroc ; une analyse par milieu géographique," Economics Papers from University Paris Dauphine 123456789/10120, Paris Dauphine University.
    5. Jain, Sanjay & Mansuri, Ghazala, 2003. "A little at a time: the use of regularly scheduled repayments in microfinance programs," Journal of Development Economics, Elsevier, vol. 72(1), pages 253-279, October.
    6. Han, Linghui & Hare, Denise, 2013. "The link between credit markets and self-employment choice among households in rural China," Journal of Asian Economics, Elsevier, vol. 26(C), pages 52-64.

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