Financial services and the informal economy

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dc.contributor.author Ardington, Cally
dc.contributor.author Leibbrandt, Murray
dc.date.accessioned 2013-10-03T13:43:27Z
dc.date.available 2013-10-03T13:43:27Z
dc.date.issued 2004-05
dc.identifier.isbn 0-7992-2251-8
dc.identifier.uri http://hdl.handle.net/11090/641
dc.description.abstract This paper examines the impact of formality of employment on the utilisation of financial services, using data from the October 2000 Income and Expenditure Survey and the September 2000 Labour Force Survey. The presence of an employed member in the household is seen to be important for the utilisation of both bank accounts and funeral insurance, even after controlling for income. Furthermore there are strong links between the nature of this employment and utilisation of financial services. Employees are more likely to utilise financial services than the self-employed. Among employees, the probability of utilising financial services increases with the degree of formality of employment. These effects are stronger for formal banking services than for funeral insurance which includes informal burial societies. en_US
dc.language.iso en en_US
dc.publisher CSSR and SALDRU en_US
dc.relation.ispartofseries CSSR/SALDRU Working Paper; 66
dc.subject Financial Services en_US
dc.subject Economy en_US
dc.subject Informal en_US
dc.title Financial services and the informal economy en_US
dc.type Working Paper en_US


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