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Book
Year: 2016 Publisher: Washington, D.C. : The World Bank,
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In a polygamous society, all monogamous women are potentially at risk of polygamy. However, the anthropological and economic literatures are silent on the potential impact of the risk of polygamy on the economic decisions of monogamous wives. This paper explores this issue in Senegal, using individual panel data. The paper first estimates a Cox model for the probability of transition to polygamy. Second, it estimates the impact of the predicted risk of polygamy on monogamous wives' savings. The findings show a positive impact of the risk of polygamy on female savings entrusted to formal or informal institutions, which is suggestive of self-protective strategies. The increase in savings comes at the cost of reduced consumption of household food expenditures and wives' private nonfood expenses.
Economic Decisions --- Household Consumption --- Polgamy --- Saving Behavior
Book
Year: 2018 Publisher: Washington, D.C. : The World Bank,
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Working with a private bank in Ghana, this study examines the impacts of a commitment savings product designed to help clients taking repeated overdrafts break their debt cycles. Overall, the product significantly increased savings with the bank without increasing overdrafts. However, after accounting for other sources of savings, the study finds that clients with above-median baseline overdraft histories do not accrue new savings during the commitment period. Rather, they draw down other savings to offset the committed amount and take on new debt. In contrast, individuals with below-median overdraft histories significantly increase savings during and after the commitment period.
Banking --- Banking services --- Education --- Educational sciences --- Finance and development --- Finance and financial sector development --- Gender --- Gender and development --- Gender policy --- Labor markets --- Liquidity --- Pensions and retirement systems --- Saving behavior --- Social protections and labor
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