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SUMMARY In sum, the data

SUMMARY In sum, the data suggest that respondents in our sample primarily relied on home savings and friends and family to manage their money. In cases where they did use financial services, they tended to use a variety of different providers and, as the intensity of their use increased, they did not substitute informal services for formal services or vice versa. In Chapter 4, we further explore how respondents used these tools to manage their day-to-day cash flow, manage risk, accumulate assets, and fund large expenditures. Before doing this, though, it is important to understand why our respondents did not use financial services extensively. The next chapter uses the in-depth interviews to provide this insight. Go To Menu 25

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