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Savings, Insurance And Debt Over The Post-Apartheid Period: A Review Of Recent Research

  • CALLY ARDINGTON
  • DAVID LAM
  • MURRAY LEIBBRANDT
  • JAMES LEVINSOHN

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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File URL: http://www.blackwell-synergy.com/doi/abs/10.1111/j.1813-6982.2004.tb00128.x
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Article provided by Economic Society of South Africa in its journal South African Journal of Economics.

Volume (Year): 72 (2004)
Issue (Month): 3 (09)
Pages: 604-640

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Handle: RePEc:bla:sajeco:v:72:y:2004:i:3:p:604-640
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  1. Cally Ardington & David Lam & Murray Leibbrandt & James Levinsohn, 2004. "Savings, Insurance and Debt over the Post-Apartheid Period: A Review of Recent Research," SALDRU/CSSR Working Papers 065, Southern Africa Labour and Development Research Unit, University of Cape Town.
  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. Maluccio, John A. & Haddad, Lawrence James & May, Julian, 1999. "Social capital and income generation in South Africa, 1993-98," FCND discussion papers 71, International Food Policy Research Institute (IFPRI).
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