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ROSCAs in Urban Ethiopia: Are the Characteristics of the Institutions More Important than those of Members?

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  • Abbi Kedir
  • Gamal Ibrahim

Abstract

Using household data from urban Ethiopia, we provide an empirical test of the economic theory of Rotating Savings and Credit Associations (ROSCAs) and identify the impact of ROSCAs and member characteristics on participation and volume of saving. Unlike other studies, we account for the endogeneity of all ROSCA variables. Muslims, individuals who live in richer households, the self-employed, private sector employees and households with large numbers of women are more likely to join ROSCAs. A robust finding is that the savings are significantly affected by the characteristics of the members but not that of the informal saving institution. Some policy implications are discussed.

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File URL: http://www.tandfonline.com/doi/abs/10.1080/00220388.2010.536219
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Bibliographic Info

Article provided by Taylor & Francis Journals in its journal Journal of Development Studies.

Volume (Year): 47 (2011)
Issue (Month): 7 ()
Pages: 998-1016

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Handle: RePEc:taf:jdevst:v:47:y:2011:i:7:p:998-1016

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Cited by:
  1. 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.
  2. Thomas Gries & Ha van Dung, 2014. "Household Savings and Productive Capital Formation in Rural Vietnam: Insurance vs. Social Network," Working Papers CIE 81, University of Paderborn, CIE Center for International Economics.

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