Views
1 year ago

Front Cover Page

2lf6g9f

TABLE OF CONTENTS

TABLE OF CONTENTS EXECUTIVE SUMMARY 1 INTRODUCTION 3 Chapter 1: Sample Overview 5 Respondent Characteristics 5 Chapter 2: Description of Respondents’ Transactions 11 Income 11 Household Spending 16 Financial Tools and Networks 20 Chapter 3: Attitudes Toward Risk Management, Future Planning, and Financial Service Providers 27 Trust 27 Time Horizons 28 Conclusions 29 Chapter 4: Cash Flow Management and Consumption Smoothing 31 Income Segments and Consumption Smoothing 32 Financial Tools and Consumption Smoothing 35 Chapter 5: Managing Unusual Purchases And Events 39 Managing Lump Sum Purchases 39 Asset Purchases 41 Life Cycle Events 42 Emergencies 43 Chapter 6: Implications And Policy Recommendations 45 Technical Annex 47 Methodology 47 Sample: Respondent Characteristics 47 Respondent Transactions 51 Cash Flow Management 66 Lump Sum Purchases 67 Go To Menu i

LIST OF FIGURES Figure 1: Respondent Map - Country View 5 Figure 2: Respondent Map - Province View 5 Figure 3: Farmer Breakdown by Province 7 Figure 4: Farming Households’ Consumption of Crops from Most Recent Harvest 7 Figure 5: Histogram of Respondents’ Ages 8 Figure 6: Respondents’ Asset Ownership 8 Figure 7: Household Ownership 9 Figure 8: Average Number of Income Sources by COV 12 Figure 9: Average Number of Income Sources by Proportion of Zero Income Weeks to Total 13 Figure 10: Income Segmentation Model by Livelihood 14 Figure 11: Income Seasonality - Micro-Retail Businesses 15 Figure 12: Income Seasonality - Informal Labor Services 15 Figure 13: Income Seasonality - Farmers 16 Figure 14: Size and Frequency of Top 3 Business Spending Categories 17 Figure 15: Distribution of Household Spending by Gender 18 Figure 16: Distribution of Household Spending by Income Segment, Amounts 19 Figure 17: Distribution of Household Spending by Income Segment, Share of Amount 19 Figure 18: Seasonality of Agricultural Purchases by Farming Households 20 Figure 19: Financial Network Use by Gender 21 Figure 20: Financial Service Use During the Study 22 Figure 21: Financial Service Amounts by Respondent Intensity of Use 23 Figure 22: Financial Service Use by Respondent Intensity of Use 24 Figure 23: The Consumption Smoothing Challenge 31 Figure 24: Martha’s Cash Flows 32 Figure 25: Average Income, Spending and Balances by Income Segment 33 Figure 26: Income and Spending Variation by Income Segment 34 Figure 27: Income and Expenses Before and After Childbirth, Woman 42 Figure 28: Income and Expenses Before and After Childbirth, Man 43 Figure 29: Average Household Size per Province 49 Figure 30: Household Ownership by Province 49 Figure 31: Water Access by Province 50 Figure 32: Access to the Electrical Grid by Province 50 Figure 33: Income Segmentation by Gender 53 Figure 34: Income Segmentation by Province 54 Figure 35: Distribution of Household Spending by Province 55 Figure 36: Distribution of Household Spending by Livelihood 56 Figure 37: Household Spending Seasonality by Gender 57 Figure 39: Average Weekly Business Expenditures 58 Figure 40: Financial Tool Use 60 ii Go To Menu

Title Page & Front Cover - WhyQuit
Initial findings May 2011a - Gauteng Online
Effects of Free Personal Care Policy in Scotland ... - The King's Fund
01/28 Front/back cover (Page 2) - Audley Travel
Page 1 Page 2 Page 3 Lighting Journal 28 Front cover: India ...
1 - Cover housing strat - Roscommon County Council
Financial Inclusion - Scottish Government
housing?
COM-2485-Transgender-Bathroom-Bill-Brief_v8-pages
Cover Page. Internet Safety Guide for Teens. Teenage boy sitting at ...
Selection of topics and questions for the 2001 Census
Survey of consumer preferences for poultry products in ... - FAO
Gamble Study 2 Cover page.indd - Sunflower Electric Power Corp.
Enhancing the Role of Women.pdf - World Bank
Household consumption through recent recessions
NZMPIC Audience Research October 2012 - New Zealand Film ...
Projecting long-term care use in Europe