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The Economics of Roscas and Intra-Household Resource Allocation

Listed author(s):
  • Anderson, K.S.

    (Tilburg University, Center For Economic Research)

  • Baland, J-M.

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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File URL: https://pure.uvt.nl/portal/files/536595/83.pdf
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Paper provided by Tilburg University, Center for Economic Research in its series Discussion Paper with number 2000-83.

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Date of creation: 2000
Handle: RePEc:tiu:tiucen:dd438092-4ec2-49e3-b824-2f3f9a38a78b
Contact details of provider: Web page: http://center.uvt.nl

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  1. repec:adr:anecst:y:1993:i:29:p:07 is not listed on IDEAS
  2. Kovsted, Jens & Lyk-Jensen, Peter, 1999. "Rotating savings and credit associations: the choice between random and bidding allocation of funds," Journal of Development Economics, Elsevier, vol. 60(1), pages 143-172, October.
  3. Besley, Timothy & Coate, Stephen & Loury, Glenn, 1993. "The Economics of Rotating Savings and Credit Associations," American Economic Review, American Economic Association, vol. 83(4), pages 792-810, September.
  4. Udry, Christopher, 1996. "Gender, Agricultural Production, and the Theory of the Household," Journal of Political Economy, University of Chicago Press, vol. 104(5), pages 1010-1046, October.
  5. Duncan Thomas, 1990. "Intra-Household Resource Allocation: An Inferential Approach," Journal of Human Resources, University of Wisconsin Press, vol. 25(4), pages 635-664.
  6. Besley, Timothy & Levenson, Alec R, 1996. "The Role of Informal Finance in Household Capital Accumulation: Evidence from Taiwan," Economic Journal, Royal Economic Society, vol. 106(434), pages 39-59, January.
  7. Handa, Sudhanshu & Kirton, Claremont, 1999. "The economics of rotating savings and credit associations: evidence from the Jamaican 'Partner'," Journal of Development Economics, Elsevier, vol. 60(1), pages 173-194, October.
  8. Levenson, Alec R. & Besley, Timothy, 1996. "The anatomy of an informal financial market: Rosca participation in Taiwan," Journal of Development Economics, Elsevier, vol. 51(1), pages 45-68, October.
  9. Timothy Besley & Stephen Coate & Glenn Loury, 1994. "Rotating Savings and Credit Associations, Credit Markets and Efficiency," Review of Economic Studies, Oxford University Press, vol. 61(4), pages 701-719.
  10. Bruce, Judith, 1989. "Homes divided," World Development, Elsevier, vol. 17(7), pages 979-991, July.
  11. Calomiris, Charles W. & Rajaraman, Indira, 1998. "The role of ROSCAs: lumpy durables or event insurance?," Journal of Development Economics, Elsevier, vol. 56(1), pages 207-216, June.
  12. Shelly Lundberg & Robert A. Pollak, 1996. "Bargaining and Distribution in Marriage," Journal of Economic Perspectives, American Economic Association, vol. 10(4), pages 139-158, Fall.
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