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Savings, Insurance and Debt over the Post-Apartheid Period: A Review of Recent Research

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  • Cally Ardington

    ()
    (SALDRU, School of Economics, University of Cape Town)

  • David Lam

    ()
    (Economics Department, University of Michigan)

  • Murray Leibbrandt

    ()
    (SALDRU, School of Economics, University of Cape Town)

  • James Levinsohn

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.

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Bibliographic Info

Paper provided by Southern Africa Labour and Development Research Unit, University of Cape Town in its series SALDRU/CSSR Working Papers with number 065.

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Date of creation: 2004
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Handle: RePEc:ldr:cssrwp:065

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  1. Maluccio, John A. & Haddad, Lawrence James & May, Julian, 1999. "Social capital and income generation in South Africa, 1993-98," FCND discussion papers, International Food Policy Research Institute (IFPRI) 71, International Food Policy Research Institute (IFPRI).
  2. Holzmann, Robert & Jorgensen, Steen, 1999. "Social protection as social risk management : conceptual underpinnings for the social protection sector strategy paper," Social Protection Discussion Papers 20119, The World Bank.
  3. Cally Ardington & David Lam & Murray Leibbrandt & James Levinsohn, 2004. "Savings, Insurance And Debt Over The Post-Apartheid Period: A Review Of Recent Research," South African Journal of Economics, Economic Society of South Africa, Economic Society of South Africa, vol. 72(3), pages 604-640, 09.
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Cited by:
  1. Vuong Quoc, Duy, 2011. "Are households’ poverty levels in Mekong Delta of Vietnam affected by access to credit?," MPRA Paper 35412, University Library of Munich, Germany.
  2. Cally Ardington & Murray Leibbrandt, 2004. "Financial Services and the Informal Economy," SALDRU/CSSR Working Papers, Southern Africa Labour and Development Research Unit, University of Cape Town 066, Southern Africa Labour and Development Research Unit, University of Cape Town.
  3. Miquel Pellicer & Vimal Ranchhod & Mare Sarr & Eva Wegner, 2011. "Inequality Traps in South Africa: An overview and research agenda," SALDRU Working Papers, Southern Africa Labour and Development Research Unit, University of Cape Town 57, Southern Africa Labour and Development Research Unit, University of Cape Town.
  4. Cally Ardington & David Lam & Murray Leibbrandt & James Levinsohn, 2004. "Savings, Insurance And Debt Over The Post-Apartheid Period: A Review Of Recent Research," South African Journal of Economics, Economic Society of South Africa, Economic Society of South Africa, vol. 72(3), pages 604-640, 09.
  5. Francis Nathan Okurut, 2006. "Access to credit by the poor in South Africa: Evidence from Household Survey Data 1995 and 2000," Working Papers 13/2006, Stellenbosch University, Department of Economics.

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