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The economics of roscas and intra-household resource allocation

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Author Info
Anderson, S.
Baland, J.M. (Tilburg University, Center for Economic Research)

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Abstract

This paper investigates individual motives to participate in rotating savings and credit associations (roscas). Detailed evidence from roscas in a Kenyan slum (Nairobi) suggests that most roscas are predominantly composed of women, particularly those living in a couple and earning an independent income. To explain this phenomenon, we propose an argument based on conflictual interactions within the household. Participation in a rosca is a strategy a wife employs to protect her savings against claims by her husband for immediate consumption. The empirical implications of the model are then tested using the data collected in Kenya.

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Paper provided by Tilburg University, Center for Economic Research in its series Discussion Paper with number 83.

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Date of creation: 2000
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Handle: RePEc:dgr:kubcen:200083

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Find related papers by JEL classification:
D10 - Microeconomics - - Household Behavior - - - General
J16 - Labor and Demographic Economics - - Demographic Economics - - - Economics of Gender; Non-labor Discrimination
J12 - Labor and Demographic Economics - - Demographic Economics - - - Marriage; Marital Dissolution; Family Structure

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  1. Besley, Timothy & Coate, Stephen & Loury, Glenn, 1994. "Rotating Savings and Credit Associations, Credit Markets and Efficiency," Review of Economic Studies, Blackwell Publishing, vol. 61(4), pages 701-19, October. [Downloadable!] (restricted)
  2. Udry, Christopher, 1996. "Gender, Agricultural Production, and the Theory of the Household," Journal of Political Economy, University of Chicago Press, vol. 104(5), pages 1010-46, October. [Downloadable!] (restricted)
  3. Lundberg, Shelly & Pollak, Robert A, 1996. "Bargaining and Distribution in Marriage," Journal of Economic Perspectives, American Economic Association, vol. 10(4), pages 139-58, Fall. [Downloadable!] (restricted)
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Cited by:
(explanations, Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.)

  1. Nava Ashraf & Dean Karlan & Wesley Yin, 2006. "Deposit Collectors," Advances in Economic Analysis & Policy, Berkeley Electronic Press, vol. 6(2), pages 1483-1483. [Downloadable!] (restricted)
    Other versions:
  2. Stefan Klonner, 2003. "Empirical Analysis of Rosca Auctions in a South Indian Village," Working Papers 854, Economic Growth Center, Yale University. [Downloadable!]
  3. Aydogan Ulker, 2008. "Household structure and consumption insurance of the elderly," Journal of Population Economics, Springer, vol. 21(2), pages 373-394, April. [Downloadable!] (restricted)
  4. Javier Eduardo Baez, 2006. "Income Volatility, Risk-Coping Behavior and Consumption Smoothing Mechanisms in Developing Countries: A Survey," REVISTA DESARROLLO Y SOCIEDAD, UNIVERSIDAD DE LOS ANDES-CEDE. [Downloadable!]
  5. Olivier Dagnelie & Philippe LeMay-Boucher, 2008. "Rosca Participation in Benin: a Commitment Issue," UFAE and IAE Working Papers 735.08, Unitat de Fonaments de l'Anàlisi Econòmica (UAB) and Institut d'Anàlisi Econòmica (CSIC). [Downloadable!]
    Other versions:
  6. Mary Kay Gugerty & Michael Kremer, 2000. "Outside Funding of Community Organizations: Benefiting or Displacing the Poor?," NBER Working Papers 7896, National Bureau of Economic Research, Inc. [Downloadable!] (restricted)
  7. Olivier Dagnelie & Philippe LeMay-Boucher, 2007. "ROSCA Participation in Benin: A Commitment Issue," CERT Discussion Papers 0708, Centre for Economic Reform and Transformation, Heriot Watt University. [Downloadable!]
  8. Tomomi Tanaka & Colin F. Camerer & Quang Nguyen, 2006. "Preferences, Poverty and Politics: Experimental and Survey Data from Vietnam," Levine's Bibliography 321307000000000054, UCLA Department of Economics. [Downloadable!]
  9. Robinson, Jonathan, 2008. "Limited Insurance Within the Household: Evidence from a Field Experiment in Kenya," MPRA Paper 8314, University Library of Munich, Germany. [Downloadable!]
  10. Strand, Jon, 2003. "Public-good valuation and intrafamily allocation," Memorandum 28/2002, Oslo University, Department of Economics. [Downloadable!]
  11. Sylvain Dessy & Jacques Ewoudou, 2006. "Microfinance and Female Empowerment," Cahiers de recherche 0603, CIRPEE. [Downloadable!]
  12. Jon Strand, 2004. "Public-Good Valuation and Intrafamily Allocation," CESifo Working Paper Series CESifo Working Paper No. , CESifo GmbH. [Downloadable!]
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