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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

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

Suggested Citation

  • Carpenter, Seth B & Jensen, Robert T, 2002. "Household Participation in Formal and Informal Savings Mechanisms: Evidence from Pakistan," Review of Development Economics, Wiley Blackwell, vol. 6(3), pages 314-328, October.
  • Handle: RePEc:bla:rdevec:v:6:y:2002:i:3:p:314-28
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    Cited by:

    1. Komicha, Hussien Hamda, 2007. "Farm household economic behaviour in imperfect financial markets," Department of Economics publications 1563, Swedish University of Agricultural Sciences, Department of Economics.
    2. Touhami ABDELKHALEK & Florence ARESTOFF & Najat EL MEKKAOUI DE FREITAS & Sabine MAGE-BERTOMEU, 2012. "Les Déterminants De L’Épargne Des Ménages Au Maroc : Une Analyse Par Milieu Géographique," Region et Developpement, Region et Developpement, LEAD, Universite du Sud - Toulon Var, vol. 35, pages 195-214.
    3. repec:dau:papers:123456789/12164 is not listed on IDEAS
    4. Michal Bauer & Julie Chytilová, 2013. "Women, Children and Patience: Experimental Evidence from Indian Villages," Review of Development Economics, Wiley Blackwell, vol. 17(4), pages 662-675, November.
    5. repec:ibn:ijefaa:v:9:y:2017:i:4:p:262-272 is not listed on IDEAS
    6. Francesco Reito & Salvatore Spagano, 2014. "A Comparison between Formal and Informal Mutual-credit Arrangements," The Developing Economies, Institute of Developing Economies, vol. 52(2), pages 179-201, June.
    7. Sonia Di Giannatale & María José Roa, 2016. "Formal Saving in Developing Economies: Barriers, Interventions, and Effects," IDB Publications (Working Papers) 8107, Inter-American Development Bank.
    8. Abbi Kedir & Richard Disney & Indraneel Dasgupta, "undated". "Why Use Roscas When You Can Use Banks? Theory And Evidence From Ethiopia," Discussion Papers 11/05, University of Nottingham, CREDIT.
    9. 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.
    10. Sonia Di Giannatale & María José Roa, 2016. "Formal Saving in Developing Economies: Barriers, Interventions, and Effects," IDB Publications (Working Papers) 97397, Inter-American Development Bank.
    11. Ha van Dung, 2014. "Short-term precaution, insurance and saving mechanisms in rural Vietnam," Working Papers CIE 82, Paderborn University, CIE Center for International Economics.
    12. Volkert, Jürgen & Strotmann, Harald & Moczadlo, Regina, 2014. "Sustainable Human Development: Corporate challenges and potentials. The case of Bayer CropScience's cotton seed production in rural Karnataka (India)," UFZ Discussion Papers 5/2014, Helmholtz Centre for Environmental Research (UFZ), Division of Social Sciences (ÖKUS).
    13. 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.
    14. Ana María Iregui-Bohórquez & Ligia Alba Melo-Becerra & María Teresa Ramírez-Giraldo & Ana María Tribín-Uribe, 2016. "Ahorro de los hogares de ingresos medios y bajos de las zonas urbana y rural en Colombia," Borradores de Economia 960, Banco de la Republica de Colombia.

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