scholarly journals The Determinants of Households Having Savings Accounts in Rwanda

2020 ◽  
Vol 1 (1) ◽  
pp. 6-19
Author(s):  
Charles Ruranga ◽  
Scott Hacker
Keyword(s):  
Poverty Reduction ◽  
Household Head ◽  
Government Policies ◽  
Logit Models ◽  
Poverty Level ◽  
Independent Variables ◽  
Savings Accounts ◽  
Poor Households ◽  
Savings Bank ◽  
Household Heads

This paper analyses the determinants of Rwandan households having savings accounts using Integrated Household Living Conditions Survey  (IHLCS) data of 2010/11. After a background discussion and literature review an empirical analysis is presented with different variables adopted and analysed as determinants of household’s head having savings accounts. Poverty level, age, gender, residential area and level education of household head (literate or not) were considered as independent variables of the study. Findings from the estimations of logit models indicate the likelihood of a household having a savings account is positively and significantly related to each of the following: non-poor status of the household,the household residing in an urban area, the household head being male, and the household head being literate. Having the household head be literate tends to be more important for younger household heads and for non-poor households. The proportion of households having money in a savings account more than doubled over the decade between the IHLCS 2000/2001 survey and the IHLCS 2010/2011 survey. Government policies on savings and poverty reduction may explain the trend of increased cash balances in saving accounts. Key Words: Savings, Bank Accounts, Households, Determinants,

An Analysis of Mobile Financial Services and Financial Inclusion in Bangladesh

2020 ◽  
Vol 14 (2) ◽  
pp. 213-233
Author(s):  
Nahid Akhter ◽  
M. A. Baqui Khalily
Keyword(s):  
Financial Services ◽  
Urban Areas ◽  
Household Head ◽  
Financial Inclusion ◽  
Agriculture Sector ◽  
Male Household Head ◽  
Poor Households ◽  
Institutional Structures ◽  
Mobile Financial Services ◽  
Household Heads

In a short span of time, starting in 2011, mobile financial services (MFSs) have burgeoned in Bangladesh, and elsewhere in the developing world. MFSs have brought about major changes in financial products and institutional structures in the financial services market. The study of Bangladesh’s experience with MFS shows that financial inclusion has greatly improved along with efficiency of provision. This article shows that the probability of using MFSs by a household increases by about 43 per cent if the households have temporary domestic migrant members. Female household heads are less likely to use MFS compared to male household head. Out of 1,588 micro merchants in the sample, around 30 per cent have access to MFSs. Individuals engaged in the non-agriculture sector, those from households with the head having higher education, those from non-poor households and those from urban areas have higher probabilities of MFS use. But more research must be done to design appropriate MFS products for the poor, so that they too can also leverage the benefits of MFSs.

Determinants of Financial Inclusion in Tribal Districts of Odisha: An Empirical Investigation

Social Change ◽  
2017 ◽  
Vol 47 (1) ◽  
pp. 45-64 ◽  
Author(s):  
Auro Kumar Sahoo ◽  
Bibhuti Bhusan Pradhan ◽  
Naresh Chandra Sahu
Keyword(s):  
Household Head ◽  
Financial Inclusion ◽  
Primary Data ◽  
Tribal People ◽  
Savings Accounts ◽  
Savings Bank ◽  
Field Investigations ◽  
The Status ◽  
Employment Guarantee ◽  
Logit Regression Model

The study has tried to investigate the status of the financial inclusion of tribal people in two tribal concentrated districts, namely Bolangir and Mayurbhanj, in the state of Odisha. Field investigations were undertaken to find out the status of financial inclusion in six villages of these two districts where the proportion of the tribal population was larger than that of the total population. Primary data were collected from 300 households by using a semi-open survey schedule. It was found that about 71.7 per cent of households had no savings bank accounts; 70.7 per cent were not involved in self-help group activities and 97.7 per cent did not have post office savings accounts. Additionally, a logit regression model was used to identify the various determinants of financial inclusion of tribal households. The results revealed that years of education attained by the household head, size of private-owned land, total annual income of the household and participation in the Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) were significant determinants for financial inclusion among tribal people.

scholarly journals Analysing Poverty during Covid-19 Pandemic in Indonesia Based on Historical Perspective

2021 ◽  
Author(s):  
Reni Putri Nurhidayati ◽  
Moses Pandin
Keyword(s):  
Poverty Reduction ◽  
Poverty Rate ◽  
Government Policies ◽  
Journal Articles ◽  
Poverty Level ◽  
Current State ◽  
Form Of Government ◽  
Program Policy ◽  
The Impact ◽  
Poverty Levels

Poverty is one of the indexes that can see how a country succeeds in development. In Indonesia, the poverty rate is high as the impact of the Covid-19 pandemic increases over time. Therefore, a solution is embraced in the form of government policies in tackling poverty in Indonesia. The purpose of this study is to analyze the poverty caused by the Covid-19 pandemic.What is the current state of poverty caused by the Covid-19 pandemic in Indonesia? and what are the previous government policies that have succeeded in reducing poverty in Indonesia? The method used in this study is the literature review method based on the results of critical analysis of journal articles that are relevant to the topic of discussion. The results showed that three government policies have succeeded in lowering the poverty level in Indonesia, namely the PKH program policy, the zakat policy as an indicator of poverty reduction, and the Bank Wakaf Mikro policy. Therefore, this study focuses on the policy as a study for government policy in lowering poverty levels due to the Covid-19 Pandemic.

scholarly journals Kemiskinan dan Pengentasan Kemiskinan Di Sumatera Barat

2016 ◽  
Vol 1 (01) ◽  
pp. 78-86
Author(s):  
Ripho Delzy Perkasa
Keyword(s):  
Research Method ◽  
Poverty Reduction ◽  
Government Policies ◽  
Poor People ◽  
Poverty Level ◽  
Target Set ◽  
The Government

In this paper the authors restrict the study of poverty and government policies in poverty reduction in West Sumatera. This research method is the study of literature. The findings from the data obtained can be seen that the level of poverty in Sumatera Barat from the years 2005-2010 continued to decline. In 2005 the number of poor people amounted to 482 800 with a percentage of 10.89%. In 2006 the number of poor people in West Sumatera experienced an increase of 550 251 inhabitants with a percentage of 12.51%. In this year poverty level are far greater than what is expected in the amount of 12.07%. Likewise, in 2007 the level of poverty in western Sumatera also incompatible with yag expected by the government in the amount of 11.26%. In this year the number of poor people in West Sumatera amounting to 529 200 with a percentage of 11.90%. In 2008 the number of poor people in West Sumatera has decreased and the level of poverty in West Sumatera is far below that have been targeted by the government at 10,85%. This year the amount of poverty in West Sumatera recorded 477 200 inhabitants with a percentage of 10.67%. So also in 2009 and 2010 the number of poor recorded is also less than the target set by the government.  

scholarly journals Determinants of Household Poverty Status in Kediri City

2021 ◽  
Vol 9 (2) ◽  
pp. 36-47
Author(s):  
Yennie Dwi Rozanti ◽  
Mohamad Khusaini ◽  
Ferry Prasetyia
Keyword(s):  
Household Head ◽  
Marginal Effect ◽  
Household Poverty ◽  
Poor Households ◽  
The Status ◽  
Poverty Status ◽  
Household Members ◽  
Household Heads ◽  
Productive Assets ◽  
Logit Regression Model

Analyses of the causes and the characteristics of poverty at micro levels provide more efficient strategies for the attainment of main Sustainable Development Goals. This study aimed to analyze the extent to which the characteristics of individuals, households, and communities influence the probability of household poverty status. The 2019 Social Welfare Integrated Data and Village Potential Data of Kediri City were analyzed using an ordered logit regression model and then interpreted based on marginal effect calculation. The study found that household heads’ squared-age, household members’ education, household members’ occupation, household head gender (female), ownership of assets, access to the internet, access to proper sanitation, and access to financial institutions reduced the probability of households being categorized as very poor and poor. This finding indicated that household productivity influenced by the household head’s characteristics in managing productive assets, supported by access to infrastructure, could increase the household's welfare. However, the household head’s age and marital status, dependency ratio, and access to health facilities increased household’s probability of being very poor and poor. Policies regarding poverty must be adjusted to the poverty characteristics and status. Improving access, equalizing education, and improving job opportunity and infrastructure management that ensure accessibility and enhancement in service quality need to be made to increase the status of households with the lowest 40% welfare in Kediri City. Policies regarding poverty should be focused more on social programs for very poor and poor households. Meanwhile, those near-poor and vulnerable-to-poor need more empowering programs.

scholarly journals Determinants of Access to Formal Credit by the Poor Households

2017 ◽  
Vol 62 (1) ◽  
pp. 50-60 ◽  
Author(s):  
Mduduzi Biyase ◽  
Bianca Fisher
Keyword(s):  
South Africa ◽  
Poverty Reduction ◽  
Household Head ◽  
National Income ◽  
Geographic Location ◽  
International Standards ◽  
Heckman Selection Model ◽  
Access To Credit ◽  
Poor Households ◽  
Primary Means

Abstract This paper investigates the determinants of access to formal credit by poor households in South Africa. Despite some progress in poverty reduction in the recent years, it remains astonishingly high by historical and international standards. Access to credit is believed by some scholars to be a primary means to address poverty and improve the standards of living of poor households. Thus, it is necessary to identify the determinants of the propensity to borrow and of the amount that is borrowed. Using 2008-2012 data from the National Income Dynamics Study (NIDS), a Heckman Selection model was estimated. The results from this study suggest that age of the household head, race, educational level, gender, employment, geographic location of households affect the propensity to borrow by poor households in South Africa.

scholarly journals Multidimensional Poverty in Côte d'Ivoire: A Measure by the Fuzzy Set Theory

2017 ◽  
Vol 8 (1) ◽  
pp. 139-148
Author(s):  
Patrick Franklin Kouassi ◽  
Anderson Stéphane Seka
Keyword(s):  
Cote D'ivoire ◽  
Poverty Reduction ◽  
Côte D’Ivoire ◽  
Household Head ◽  
Multidimensional Poverty ◽  
Cote D’Ivoire ◽  
Multidimensional Poverty Index ◽  
Complex Concept ◽  
Côte D'ivoire ◽  
Poor Households

Abstract Poverty is a complex concept, whose multidimensional aspect in Côte d’Ivoire. We rely on the Study of Living Standards (LSMS. 2008) allows us to understand the phenomenon by an approach of fuzzy sets. The results show that by measuring the Multidimensional Poverty Index (MPI) 45.36% of Ivoirians are structurally poor households in 2008, with differences at the departmental level, the place of residence and gender of household head, and at the nine (9) dimensions. Furthermore, examination of one-dimensional poverty indices by dimension contributing to the state of household deprivation, shows different profiles. This implies that strategies of poverty reduction cannot rely on a single instrument, or to cover a single area, but must use a set of measures affecting its different dimensions.

scholarly journals Cash Grant for Women: What we achieved from Income Support Program of Pakistan?

2021 ◽  
Vol 2 (1) ◽  
pp. 71-88
Author(s):  
Dr. Mahmood ul Hasan Hasan ◽  
Muhammad Waqas ◽  
Safana Shaheen ◽  
Saifullah
Keyword(s):  
Poverty Reduction ◽  
Social Protection ◽  
Positive Impact ◽  
Household Head ◽  
Support Program ◽  
Income Support ◽  
Multinomial Regression ◽  
Poverty Level ◽  
Household Expenditures ◽  
Social Protection Program

The study found that Benazir Income Support Program has positive impact to control the extent of poverty in Pakistan; however, the grant is unable to get the beneficiary out of poverty. We interviewed 1000 female beneficiaries of this social protection program from Punjab province of Pakistan and found that the amount of grant helps to manage household expenditures and their food intake has been improved. Major share of the grant goes to the food followed by clothing and education. The results of multinomial regression found that increase in the family size is the factor that blurs the poverty reduction goal of Benazir Income Support Program. Moreover, the beneficiary belonged to rural area and unemployment of the household head are also the reasons that grant is unable to reduce poverty level.

scholarly journals Evaluating the Impacts of Smallholder Farmer’s Participation in Modern Agricultural Value Chain Tactics for Facilitating Poverty Alleviation—A Case Study of Kiwifruit Industry in Shaanxi, China

Agriculture ◽  
2021 ◽  
Vol 11 (5) ◽  
pp. 462
Author(s):  
Hongyu Wang ◽  
Xiaolei Wang ◽  
Apurbo Sarkar ◽  
Lu Qian
Keyword(s):  
Value Chain ◽  
Rural Areas ◽  
Poverty Alleviation ◽  
Poverty Reduction ◽  
Smallholder Farmers ◽  
Multidimensional Poverty ◽  
Well Being ◽  
Reduction Degree ◽  
Poverty Level ◽  
Storage Technology

Market-based initiatives like agriculture value chain (AVC) are becoming progressively pervasive to support smallholder rural farmers and assist them in entering larger market interventions and providing a pathway of enhancing their socioeconomic well-being. Moreover, it may also foster staggering effects towards the post-era poverty alleviation in rural areas and possessed a significant theoretical and practical influence for modern agricultural development. The prime objective of the study is to explore the effects of smallholder farmers’ participation in the agricultural value chain for availing rural development and poverty alleviation. Specifically, we have crafted the assessment employing pre-production (improved fertilizers usage), in-production (modern preservation technology), and post-production (supply chain) participation and interventions of smallholder farmers. The empirical data has been collected from a micro survey dataset of 623 kiwifruit farmers from July to September in Shaanxi, China. We have employed propensity score matching (PSM), probit, and OLS models to explore the multidimensional poverty reduction impact and heterogeneity of farmers’ participation in the agricultural value chain. The results show that the total number of poor farmers who have experienced one-dimensional and two-dimensional poverty is relatively high (66.3%). We also find that farmers’ participation in agricultural value chain activities has a significant poverty reduction effect. The multidimensional poverty level of farmers using improved fertilizer, organizational acquisition, and using storage technology (compared with non-participating farmers) decreased by 30.1%, 46.5%, and 25.0%, respectively. The multidimensional poverty reduction degree of male farmers using improved fertilizer and participating in the organizational acquisition is greater than that of women. The multidimensional poverty reduction degree of female farmers using storage and fresh-keeping technology has a greater impact than the males using storage and improved storage technology. Government should widely promote the value chain in the form of pre-harvest, production, and post-harvest technology. The public–private partnership should also be strengthened for availing innovative technologies and infrastructure development.

Social indicators and psychiatric admission rates: a case-register study in the Netherlands

1991 ◽  
Vol 21 (1) ◽  
pp. 177-184 ◽  
Author(s):  
Sjoerd Sytema
Keyword(s):  
Relative Risk ◽  
Social Indicators ◽  
The Other ◽  
Logit Models ◽  
Need For Care ◽  
Psychiatric Admission ◽  
Case Register ◽  
Independent Variables ◽  
Admission Rates ◽  
The Relationship

SYNOPSISEnvironmental as well as individual socio-demographic and illness characteristics are related to the risk of admission. This paper addresses the problem of the interrelationships of these factors to admission rates. Using the Groningen Psychiatric Case Register, admission rates (during 1986 and 1987) from 34 administrative areas were calculated. Logit models were fitted in order to test the relationship between the relative risk of being admitted and sex, age, marital status, diagnosis, urbanization and distance from facilities. The effect of urbanization remains under the control of the other independent variables. The concept of ‘need for care’, related to ‘true’ and ‘treated’ incidence, is discussed.

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