scholarly journals Linking mobile money networks to “e-ROSCAs”: An experimental study

2021 ◽  
Vol 7 (1) ◽  
pp. eabc5831
Author(s):  
Patrick Francois ◽  
Munir Squires
Keyword(s):  
Experimental Study ◽  
Democratic Republic ◽  
Developing World ◽  
Peer To Peer ◽  
Mobile Money ◽  
Credit Associations ◽  
Savings And Credit Associations ◽  
Republic Of The Congo

We present results from a study in the Democratic Republic of the Congo that uses mobile money networks to run rotating savings and credit associations (ROSCAs), peer-to-peer finance groups ubiquitous across the developing world. We find high rates of contribution and ROSCA success. The unexpected success of such e-ROSCAs and their potential to extend banking to the bankless poor necessitate further exploration.

scholarly journals Effect of Agricultural Residues Based-Compost on the Yield of Amarantus hybridus L. (Amaranthaceae) in Gbado-Lite City, Nord-Ubangi (Democratic Republic of the Congo)

2019 ◽  
Vol 1 (4) ◽  
pp. 53-61
Author(s):  
Koto-te-Nyiwa Ngbolua ◽  
Zuangbo Innocent ◽  
Molongo Medard ◽  
Masengo Ashande Colette ◽  
Djolu Djoza Ruphin ◽  
...  
Keyword(s):  
Experimental Study ◽  
Plant Height ◽  
Democratic Republic ◽  
Agricultural Residues ◽  
Point Of View ◽  
Physical Chemical ◽  
Maize Residues ◽  
Republic Of The Congo ◽  
Number Of Leaves ◽  
Corn Residues

An experimental study was conducted in Gbadolite city to develop composts from peanut (Groundnut) and maize residues alone or combined. The study found that plots modified with compost based on peanut (Groundnut)  residues combined with corn residues are of good quality compared to  non-waste compost combined and unamended plots as indicated by the average values of plant height (91.9±0.79 cm vs. 54.0±1.35 cm), diameter at the collar (12.66±0.47 mm vs. 9.00±1.41 mm); number of leaves ( 20.6±0.47 vs. 15.6±0.47); leaf lengths (23.5±1.17 cm vs. 19.4±1.92 cm ); leaf widths (7.32±0.44 cm vs. 6.34±0.68 cm) yield per hectare ( 22.63±0.67T/ha vs 11.51±2.85 T/ha ). It is therefore desirable that compost be characterized from a physical-chemical point of view (pH, minerals, C/N ratio, etc.) and considers the production of other plants grown on this substrate in order to assess its effectiveness. 

scholarly journals Reciprocity and exclusion in informal financial institutions: An experimental study of rotating savings and credit associations

PLoS ONE ◽  
2018 ◽  
Vol 13 (8) ◽  
pp. e0202878 ◽  
Author(s):  
Shimpei Koike ◽  
Mayuko Nakamaru ◽  
Tokinao Otaka ◽  
Hajime Shimao ◽  
Ken-Ichi Shimomura ◽  
...  
Keyword(s):  
Experimental Study ◽  
Financial Institutions ◽  
Credit Associations ◽  
Savings And Credit Associations

scholarly journals Hyperbolic Discounting and the Sustainability of Rotational Savings Arrangements

2011 ◽  
Vol 3 (4) ◽  
pp. 143-171 ◽  
Author(s):  
Karna Basu
Keyword(s):  
Developing World ◽  
Relative Survival ◽  
Hyperbolic Discounting ◽  
Natural Question ◽  
Credit Associations ◽  
Savings And Credit Associations ◽  
Commitment Devices ◽  
Commitment Savings

People across the developing world join rotational savings and credit associations (roscas) to fund repeated purchases of nondivisible goods. When the scope for punishment is weak, there is a natural question about why agents not defect from roscas. This paper models roscas as commitment savings devices and derives conditions under which hyperbolic discounters will never defect, even in the absence of formal contracting, social punishment, and reputation. I show why, unlike with standard commitment devices, a hyperbolic discounter will not postpone entry into a rosca. Finally, this paper makes predictions about the relative survival of random and fixed roscas. (JEL D14, D91, O12)

scholarly journals Mobile Money, the Symbolism of Physical Money and Emerging Dynamics in Social Relationships among Low-Income Earners in Kenya

2017 ◽  
Vol 12 (4) ◽  
pp. 178
Author(s):  
Kennedy Munyua Waweru
Keyword(s):  
Focus Groups ◽  
Social Relationships ◽  
Low Income ◽  
Developing World ◽  
Purchasing Power ◽  
Mobile Money ◽  
Financial Transaction ◽  
Credit Associations ◽  
Money Transfer ◽  
Financial Transactions

Kenya which is considered a leader of digitization of money in the form of mobile money in the developing world has been compared in some studies with Sweden, world leader in digitization of financial transaction among its residents. Despite the progress in digitization of financial transactions witnessed in many countries, opinion is still divided on whether full digitization of financial transactions is feasible. This study examines the symbolism of the physical money among low-income earners in Kenya a key variable to be considered in any move towards full digitization of financial transactions. The study surveyed 750 low-income households across Kenya and conducted focus groups. Findings indicate that Kenyans consider physical money as symbol of purchasing power that is irreplaceable by mobile money. They view mobile money as a complementary financial transactions facilitator especially for money transfer and not a replacement of cash. Findings also suggest that the advent of mobile money is be associated some increase in the degree of disconnection in personal interactions in social relationships. It also emerged that mobile money has facilitated continuity of rotating saving and credit associations in cases of mobility resulting from employments or other factors.

Constitutional Incorporation of the (Collective) Freedom to Govern Mineral Wealth: Comparing the Democratic Republic of the Congo and the Republic of Zambia

2020 ◽  
Vol 28 (1) ◽  
pp. 1-29
Author(s):  
Alexandra Carleton
Keyword(s):  
Natural Resources ◽  
Democratic Republic ◽  
Mineral Wealth ◽  
The People ◽  
Republic Of The Congo ◽  
The Republic

Constitutionalism may be gaining ascendancy in many countries in Africa. Yet thorough investigation of the extent to which current constitutions accord to the people their internationally recognised right to governance of their mineral wealth under Article 1(2) of the ICCPR has been lacking. Understanding the existing framework of rights which may support claims to land and natural resources is important. Constitutions of the Democratic Republic of the Congo and the Republic of Zambia demonstrate the reality of multiple, overlapping land interests and the limitations upon a people's claim to freely govern their mineral wealth.

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