Household Financial Access And Risk Sharing In Nigeria

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Household Financial Access and Risk Sharing in Nigeria

Stacy Carlson,Ms.Era Dabla-Norris,Mika Saito,Yu Shi
Household Financial Access and Risk Sharing in Nigeria Book PDF

Author : Stacy Carlson,Ms.Era Dabla-Norris,Mika Saito,Yu Shi
Publisher : International Monetary Fund
Page : 28 pages
File Size : 54,9 Mb
Release : 2015-07-22
Category : Business & Economics
ISBN : 9781513506692

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Household Financial Access and Risk Sharing in Nigeria by Stacy Carlson,Ms.Era Dabla-Norris,Mika Saito,Yu Shi Pdf

We examine the role of household financial access in determining the extent of risksharing in Nigeria using household-level panel data. We estimate changes in the response of consumption to shocks for households with formal and informal access to finance and those without, both for the country as a whole and for different regions. Our findings suggest that households with financial access who experience an unexpected negative income shock see consumption fall by 15 percentage points less than those without access. This result is mainly driven by households with informal financial access, and by household savings rather than borrowing. Regional variation in risk sharing tends to be significant, suggesting that financial inclusion efforts going forward should have a more regional focus.

The Global Findex Database 2017

Asli Demirguc-Kunt,Leora Klapper,Dorothe Singer,Saniya Ansar
The Global Findex Database 2017 Book PDF

Author : Asli Demirguc-Kunt,Leora Klapper,Dorothe Singer,Saniya Ansar
Publisher : World Bank Publications
Page : 148 pages
File Size : 45,5 Mb
Release : 2018-04-19
Category : Business & Economics
ISBN : 9781464812682

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The Global Findex Database 2017 by Asli Demirguc-Kunt,Leora Klapper,Dorothe Singer,Saniya Ansar Pdf

In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.

Household Consumption Volatility and Poverty Risk: Case Studies from South Africa and Tanzania

Mr.Matthieu Bellon,Carlo Pizzinelli,Mr.Roberto Perrelli
Household Consumption Volatility and Poverty Risk Case Studies from South Africa and Tanzania Book PDF

Author : Mr.Matthieu Bellon,Carlo Pizzinelli,Mr.Roberto Perrelli
Publisher : International Monetary Fund
Page : 41 pages
File Size : 53,8 Mb
Release : 2020-03-06
Category : Business & Economics
ISBN : 9781513527017

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Household Consumption Volatility and Poverty Risk: Case Studies from South Africa and Tanzania by Mr.Matthieu Bellon,Carlo Pizzinelli,Mr.Roberto Perrelli Pdf

Economic volatility remains a fact of life in Sub Saharan Africa (SSA). Household-level shocks create large consumption fluctuations, raising the incidence of poverty. Drawing on micro-level data from South Africa and Tanzania, we examine the vulnerability to shocks across household types (e.g. by education, ethnic group, and economic activity) and we quantify the impact that reducing consumption volatility would have on aggregate poverty. We then discuss coverage of consumption insurance mechanisms, including financial access and transfers. Country characteristics crucially determine which household-level shocks are most prevalent and which consumption-smoothing mechanisms are available. In Tanzania, agricultural shocks are an important source of consumption risk as two thirds of households are involved in some level of agricultural production. For South Africa, we focus on labor market risk proxied by transitions from formal employment to informal work or unemployment. We find that access to credit, when available, and government transfers can effectively mitigate labor market shocks.

Nigeria

International Monetary Fund. African Dept.
Nigeria Book PDF

Author : International Monetary Fund. African Dept.
Publisher : International Monetary Fund
Page : 30 pages
File Size : 47,5 Mb
Release : 2015-03-30
Category : Business & Economics
ISBN : 9781484307151

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Nigeria by International Monetary Fund. African Dept. Pdf

This Selected Issues paper discusses promotion of economic transformation in Nigeria. Nigeria’s long-term potential is keyed on promoting economic transformation. This implies taking stock of initial conditions, assessing long-term financing capacity, and evaluating the policies and reforms to be implemented to meet the long term vision. The recent fall in prices has highlighted the challenging but compelling need to address remaining development challenges. This paper discusses some of these development imperatives including current regional disparities and ongoing policy initiatives, capacity to finance infrastructure needs, promoting domestic saving through developing financial inclusion, and the opportunity cost of quasi-fiscal activities.

Household Vulnerability to Income Shocks in Emerging and Developing Asia: the Case of Cambodia, Nepal and Vietnam

Alessia De Stefani,Athene Laws,Alex Sollaci
Household Vulnerability to Income Shocks in Emerging and Developing Asia the Case of Cambodia Nepal and Vietnam Book PDF

Author : Alessia De Stefani,Athene Laws,Alex Sollaci
Publisher : International Monetary Fund
Page : 37 pages
File Size : 41,9 Mb
Release : 2022-04
Category : Business & Economics
ISBN : 9798400205538

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Household Vulnerability to Income Shocks in Emerging and Developing Asia: the Case of Cambodia, Nepal and Vietnam by Alessia De Stefani,Athene Laws,Alex Sollaci Pdf

We leverage survey data from emerging and developing Asia to highlight different aspects of household vulnerability to income shocks arising from the Covid-19 pandemic: occupation in Cambodia, self-insurance mechanisms in Nepal, and financial leverage in Vietnam. Occupation and ex-ante income levels emerge as the main drivers of vulnerability. We estimate that the pandemic could have placed an additional 6 to 9 percent of the population of each country in a vulnerable position, with the impact concentrated on urban, informal, and service sector workers. Government intervention and financial access emerge as key resilience-enhancing mechanisms.

Every Household Its Own Government

Daniel Jordan Smith
Every Household Its Own Government Book PDF

Author : Daniel Jordan Smith
Publisher : Princeton University Press
Page : 232 pages
File Size : 45,8 Mb
Release : 2022-03-08
Category : Social Science
ISBN : 9780691229911

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Every Household Its Own Government by Daniel Jordan Smith Pdf

An up-close account of how Nigerians’ self-reliance in the absence of reliable government services enables official dysfunction to strengthen state power When Nigerians say that every household is its own local government, what they mean is that the politicians and state institutions of Africa’s richest, most populous country cannot be trusted to ensure even the most basic infrastructure needs of their people. Daniel Jordan Smith traces how innovative entrepreneurs and ordinary citizens in Nigeria have forged their own systems in response to these deficiencies, devising creative solutions in the daily struggle to survive. Drawing on his three decades of experience in Nigeria, Smith examines the many ways Nigerians across multiple social strata develop technologies, businesses, social networks, political strategies, cultural repertoires, and everyday routines to cope with the constant failure of government infrastructure. He describes how Nigerians provide for basic needs like water, electricity, transportation, security, communication, and education—and how their inventiveness comes with consequences. On the surface, it may appear that their self-reliance and sheer hustle render the state irrelevant. In reality, the state is not so much absent as complicit. Smith shows how private efforts to address infrastructural shortcomings require regular engagement with government officials, shaping the experience of citizenship and strengthening state power. Every Household Its Own Government reveals how these dealings have contributed to forms and practices of governance that thrive on official dysfunction and perpetuate the very inequalities and injustices that afflict struggling Nigerians.

New Challenges for Future Sustainability and Wellbeing

Ercan Özen,Simon Grima,Rebecca E. Dalli Gonzi
New Challenges for Future Sustainability and Wellbeing Book PDF

Author : Ercan Özen,Simon Grima,Rebecca E. Dalli Gonzi
Publisher : Emerald Group Publishing
Page : 377 pages
File Size : 49,7 Mb
Release : 2021-05-21
Category : Business & Economics
ISBN : 9781800439702

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New Challenges for Future Sustainability and Wellbeing by Ercan Özen,Simon Grima,Rebecca E. Dalli Gonzi Pdf

New Challenges for Future Sustainability and Wellbeing is a collection of studies about sustainability and related challenges, such as income, wealth, the environment, education and regional equality that influence the pace of economic development and affects the well-being of people and organisations all over the world.

Financial Inclusion: What Have We Learned So Far? What Do We Have to Learn?

Adolfo Barajas,Thorsten Beck,Mohammed Belhaj,Sami Ben Naceur
Financial Inclusion What Have We Learned So Far What Do We Have to Learn Book PDF

Author : Adolfo Barajas,Thorsten Beck,Mohammed Belhaj,Sami Ben Naceur
Publisher : Unknown
Page : 51 pages
File Size : 45,6 Mb
Release : 2020-08-07
Category : Electronic
ISBN : 1513553003

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Financial Inclusion: What Have We Learned So Far? What Do We Have to Learn? by Adolfo Barajas,Thorsten Beck,Mohammed Belhaj,Sami Ben Naceur Pdf

The past two decades have seen a rapid increase in interest in financial inclusion, both from policymakers and researchers. This paper surveys the main findings from the literature, documenting the trends over time and gaps that have arisen across regions, income levels, and gender, among others. It points out that structural, as well as policy-related, factors, such as encouraging banking competition or channeling government payments through bank accounts, play an important role, and describes the potential macro and microeconomic benefits that can be derived from greater financial inclusion. It argues that policy should aim to identify and reduce frictions holding back financial inclusion, rather than targeting specific levels of inclusion. Finally, it suggests areas for future research.

Inclusive Financial Development

Ahmad, Ahmad H.,Llewellyn, David T.,Murinde, Victor
Inclusive Financial Development Book PDF

Author : Ahmad, Ahmad H.,Llewellyn, David T.,Murinde, Victor
Publisher : Edward Elgar Publishing
Page : 352 pages
File Size : 54,5 Mb
Release : 2021-10-19
Category : Business & Economics
ISBN : 9781800376380

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Inclusive Financial Development by Ahmad, Ahmad H.,Llewellyn, David T.,Murinde, Victor Pdf

Inclusive Financial Development provides theoretical and empirical analyses of the nature of financial inclusion. The contributing authors explore the impediments to inclusion that exist around the world, the macro and stability implications, and the regulation dimension.

Health Financing for Poor People

Alexander S. Preker,Guy Carrin
Health Financing for Poor People Book PDF

Author : Alexander S. Preker,Guy Carrin
Publisher : World Bank Publications
Page : 476 pages
File Size : 52,6 Mb
Release : 2004
Category : Medical
ISBN : 9780821355251

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Health Financing for Poor People by Alexander S. Preker,Guy Carrin Pdf

One of the most urgent development challenges facing many low and middle income countries is the need for adequate financing systems to pay for health care provision to the estimated 1.3 billion impoverished people living in rural areas or working in the informal sector in urban areas. This publication considers ways of improving the financing of health care at low income levels, as part of a global strategy for increased investment in health and poverty reduction. Topics discussed include: global and regional trends in healthcare financing; strengths and weaknesses of community-based health financing, and experiences in Asia and Africa; country case studies using household survey analysis from Senegal, Rwanda, India and Thailand; deficit financing; and the impact of risk sharing on achieving health system goals.

Nigeria

International Monetary Fund. African Dept.
Nigeria Book PDF

Author : International Monetary Fund. African Dept.
Publisher : International Monetary Fund
Page : 132 pages
File Size : 52,9 Mb
Release : 2013-05-28
Category : Business & Economics
ISBN : 9781484346853

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Nigeria by International Monetary Fund. African Dept. Pdf

This Financial Sector Stability Assessment on Nigeria discusses the macroeconomic performance and structure of the financial system. Although Nigerian economy experienced both domestic and external shocks in recent years, the economy continued to grow rapidly, achieving more than 7 percent growth each year since 2009. The performance of financial institutions has begun to improve, though some of the emergency anti-crisis measures continue to be in place. However, the regulatory and supervisory framework has gaps and weaknesses. In sum, the Nigerian economy has emerged from the banking crisis, and has the potential to enjoy an extended period of strong economic growth.

IMF Research Bulletin, September 2015

International Monetary Fund. Research Dept.
IMF Research Bulletin September 2015 Book PDF

Author : International Monetary Fund. Research Dept.
Publisher : International Monetary Fund
Page : 18 pages
File Size : 50,7 Mb
Release : 2015-09-25
Category : Business & Economics
ISBN : 9781513551753

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IMF Research Bulletin, September 2015 by International Monetary Fund. Research Dept. Pdf

The September 2015 issue of the IMF Research Bulletin covers a range of research topics. The Research Summaries featured in this issue are “Lower for Longer: Neutral Rates in the United States” (Andrea Pescatori and Jarkko Turunen) and “Economic Principles for Resource Revenue Management” (Anthony J. Venables and Samuel Wills). The Q&A article looks at “Seven Questions on Financing for Development” (Amadou Sy) and the global development agenda. The issue also includes special announcements on the 2015 Annual Research Conference and the 2015 IMF Annual Report, as well as new IMF publications. Readers will also find a link to a top-viewed article from the “IMF Economic Review”—the IMF’s official research journal.

Handbook of Research on Microfinancial Impacts on Women Empowerment, Poverty, and Inequality

Das, Ramesh Chandra
Handbook of Research on Microfinancial Impacts on Women Empowerment Poverty and Inequality Book PDF

Author : Das, Ramesh Chandra
Publisher : IGI Global
Page : 452 pages
File Size : 49,5 Mb
Release : 2018-08-17
Category : Business & Economics
ISBN : 9781522552413

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Handbook of Research on Microfinancial Impacts on Women Empowerment, Poverty, and Inequality by Das, Ramesh Chandra Pdf

One of the major tools of attaining proper development all around the world is complete financial inclusion, such that all classes of people can secure their lifestyles through access to financial services from formal sectors. Expanding access to resources and increasing self-employment opportunities help reduce poverty and improve social development. The Handbook of Research on Microfinancial Impacts on Women Empowerment, Poverty, and Inequality is an essential reference source that discusses the role of financial inclusion in gender equality, as well as economic independence and self-employment. Featuring research on topics such as inequality, collaborative economy, and social responsibility, this publication is ideally designed for policy makers, economic researchers, and academicians seeking coverage on social mobilization, capital formation, capacity building, and pro-poor economy designs.

Public-Private Partnerships In Pursuit of Risk Sharing and Value for Money

OECD
Public Private Partnerships In Pursuit of Risk Sharing and Value for Money Book PDF

Author : OECD
Publisher : OECD Publishing
Page : 145 pages
File Size : 43,7 Mb
Release : 2008-05-21
Category : Electronic
ISBN : 9789264046733

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Public-Private Partnerships In Pursuit of Risk Sharing and Value for Money by OECD Pdf

This book highlights good practices and summarises what countries should consider before entering into public-private partnerships (PPPs).

Chronicles from the Field

Robert M. Townsend,Sombat Sakunthasathien,Rob Jordan
Chronicles from the Field Book PDF

Author : Robert M. Townsend,Sombat Sakunthasathien,Rob Jordan
Publisher : MIT Press
Page : 163 pages
File Size : 42,9 Mb
Release : 2013-04-12
Category : Business & Economics
ISBN : 9780262019071

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Chronicles from the Field by Robert M. Townsend,Sombat Sakunthasathien,Rob Jordan Pdf

Lessons learned in the process of designing and implementing one of the longest-running panel data surveys in development economics.