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FINANCIAL TOOLS AND

FINANCIAL TOOLS AND NETWORKS Financial tools, as discussed in Chapter 2, are instruments used by respondents to conduct a financial transaction. This section focuses on three tools: savings, cash transfers, and loans. We omit discussion of a fourth tool, insurance, because, throughout the study, respondents reported conducting only three transactions using insurance, making the count per week an infinitesimal amount. Respondents also very rarely conducted transactions using loans and only did so once every five months. Instead, respondents overwhelmingly preferred to use savings and cash transfers. Respondents used a savings tool once every one and a half weeks, and they used cash transfers once every two weeks. Go To Menu 59

Figure 40: Financial Tool Use When comparing men’s use of financial tools to women’s use, the data reveal that women used savings and cash transfers slightly more often than men did. Both genders conducted financial transactions using loans at near equal and very low rates. Figure 41: Financial Tool Use by Gender 60 Go To Menu

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