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Real Interest Rates and the Mobilization of Private Savings in Africa A Case Study of Kenya

"The objective of this paper is to test the hypothesis that real interest rates have a significant positive impact on financial and non financial saving in Kenya, which in turn support a higher level of investment. This is done by examining the prop…

Factors Affecting Savings as Means of Economic Growth in Ethiopia

Savings have always figured prominently in both theoretical analysis and policy design in both developed and developing economies. This prominence emanates from their assumed direct theoretical link to future economic growth and current expenditure …

The Use and Effectiveness of Social Grants in South Africa

This research examines the effectiveness of social grants in South Africa, and how recipients use their grants. As a form of social protection, social grants not only ameliorate poverty and provide a safety net, they also potentially promote socia…

Combining Financial-literacy Training and Text-message Reminders to Influence Mobile-money Use and Financial Behavior among Members of Village Savings and Loan Associations: Experimental Evidence from Malawi

Mobile money is increasingly promoted as a strategy to improve financial outcomes and livelihoods in low-income countries. However, its adoption and use among the poor remains low. We exploited a randomized experiment that exposed members of Village…

Determinants of Financial Inclusion among Youth in Uganda: Evidence from Community-based Monitoring System Data

We used a quantitative approach to analyze the determinants of financial inclusion among young men and women in Uganda based on microdata from a CBMS census carried out in Katakwi District. Using a population of 3,398 youth, we used proportions and …

Census of Financial Cooperatives in Zambia

This report presents the results of the first ever census of Financial Cooperatives (FCs) in Zambia. Covering all the ten provinces, the census brings to light some of the key statistics and trends that are going to be key as the Government seeks to…

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