Why do financial inclusion policies fail in mobilizing savings from the poor ? Lessons from rural South India

Auteur:

Jann Goedecke, Isabelle Guérin, Bert D 'Espallier, Govidan Venkatasubramanian

Date de publication:

01 Janvier 2016

Mots-clefs:

political economy
banks
Microfinance
India
informal saving
financial inclusion
economic anthropology

Publié ici :

10 Décembre 2016

Mis à jour le :

24 Juin 2017

Langue de publication:

Anglais

Zone géographique:

Asie

Combining multivariate and qualitative analyses, this micro-level study suggests an explanation for the persistence of informal savings in rural South India despite publicly run large-scale programs to promote bank savings. Notably gold, but also ROSCAs and private lending, remain dominant forms of saving. We argue that cultural norms and social institutions such as social class and caste shape the nature, the propensity but also the opportunities to save. Gold serves multiple purposes, which are financial, economical, socio-cultural, and political. Furthermore, we find that Dalits’ (the lowest caste) preference for gold illustrates a relative emancipation of Dalits combined with the maintenance of prohibition related to caste which prevents them to invest in other assets such as land.

de Jann Goedecke, Isabelle Guérin, Bert D 'Espallier, Govidan Venkatasubramanian. Why do financial inclusion policies fail in mobilizing savings from the poor ? Lessons from rural South India. Development Policy Review, Wiley, 2016
Soumis le : vendredi 9 décembre 2016 - 14:30:31
Dernière modification le : dimanche 11 décembre 2016 - 01:04:24

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Why do financial inclusion policies fail in mobilizing savings from the poor ? Lessons from rural South India

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Why do financial inclusion policies fail in mobilizing savings from the poor ? Lessons from rural South India

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