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431. Savings, Credit and Insurance: Household Demand for Formal Financial Services in Rural Ghana

Author:
Lena Giesbert, Susan Steiner, and Mirko Bendig
Publication Date:
01-2009
Content Type:
Working Paper
Institution:
German Institute of Global and Area Studies
Abstract:
This paper argues that the study of the demand for financial services in developing countries leaves out part of the story, if it looks at only one of the three elements of the so called finance trinity, i.e. savings products, loans, or insurances, as is largely done in the literature. In contrast to previous research, it is assumed that households' choice for any of these services is strongly interconnected. Therefore, the paper simultaneously estimates the determinants of household demand for savings, loans and insurances by applying a multivariate probit model on household survey data from rural Ghana. On the one hand, the estimation results confirm the common finding that poorer households are less likely to participate in the formal financial sector than better off households. On the other hand, there is empirical evidence that the usage of savings products, loans and insurances does not only depend on the socio-economic status of households, but also on various other factors, such as households' risk assessment and the past exposure to shocks. In addition, trust in the providing institution and its products appear to play a key role.
Topic:
Development, Economics, International Trade and Finance, Poverty, and Third World
Political Geography:
Africa

432. TCHAD : LA POUDRIERE DE L'EST

Publication Date:
04-2009
Content Type:
Working Paper
Institution:
International Crisis Group
Abstract:
L'Est du Tchad est une poudrière dont l'explosion pourrait déstabiliser l'ensemble du pays ainsi que les pays voisins et aggraver une situation humanitaire déjà désastreuse. Les conflits locaux fondés sur la raréfaction des ressources ont été exacerbés par des manipulations politiques nationales et régionales. La population a déjà énormément souffert des conflits internes tchadiens, de la crise du Darfour et de la guerre froide tchado-soudanaise. Les deux gouvernements, avec le soutien de leurs partenaires internationaux, devraient reprendre la mise en place de l'accord de Dakar, mais une conférence spécifiquement dédiée au conflit à l'Est du Tchad devrait également être organisée afin que les acteurs locaux et nationaux trouvent des solutions aux causes internes de la crise. Elle devrait être intégrée dans les structures existantes du processus de paix tchadien.
Topic:
Conflict Resolution, Development, Poverty, and War
Political Geography:
Africa

433. Building the Rule of Law in Haiti: New Laws for a New Era

Author:
Hans Joerg Albrecht, Louis Aucoin, and Vivienne O'Connor
Publication Date:
08-2009
Content Type:
Policy Brief
Institution:
United States Institute of Peace
Abstract:
USIP has been working with lawmakers and other reform constituencies in Haiti as they strive to reform Haiti's criminal laws that date back to the early 19th century. In March 2009, USIP commissioned two reports that were written by Louis Aucoin, a professor at the Fletcher School at Tufts University, and Hans Joerg Albrecht, the director of the Max Planck Institute of Foreign and International Criminal Law. At the request of Haitian lawmakers, USIP has also provided copies of the Model Codes for Post-Conflict Criminal Justice, a law reform tool developed by USIP's Rule of Law Program to assist in the drafting of new laws. From June 9 to June 11, 2009, USIP co-hosted a “Technical Workshop on the Modernization of the Criminal Code and Criminal Procedure Code” in Port-au-Prince, Haiti with the Haitian government and a number of international donors. The workshop brought together representatives from the Presidential Commission on Law Reform, the legal community and civil society, along with international organizations and donors, to discuss the problems with Haiti's criminal laws and how to improve them.
Topic:
Civil Society, Crime, Poverty, and Law
Political Geography:
Caribbean and Haiti

434. Strategies for Growth and Poverty Reduction: Has Tanzania's Second PRSP Influenced Implementation?

Author:
Dennis Rweyemamu
Publication Date:
09-2009
Content Type:
Working Paper
Institution:
Danish Institute for International Studies
Abstract:
Tanzania's current growth and poverty reduction strategies are contained in its second PRSP. This document, and the processes leading to its formulation, has helped to mobilize donor funds. However, the content of the PRSP is largely irrelevant for implementation, and has contributed little to better inter-sectoral linkages and synergies both of which were its main purposes. The immediate reasons for this irrelevancy include a participatory planning process not aligned with the domestic political process and with no budget constraints which led to a shopping list of un-prioritized initiatives; an implementation machinery around the budget process which in practice does not ensure that resources are allocated in line with the document's priorities; and limited understanding and/ or acceptance across the spectrum of government institutions and political leadership that the PRSP is the overall strategic guiding document.
Topic:
Development, Economics, Poverty, and Foreign Aid
Political Geography:
Africa and Tanzania

435. The New Poverty Agenda in Uganda

Author:
Anne Mette Kjaer and Fred Muhumuza
Publication Date:
09-2009
Content Type:
Working Paper
Institution:
Danish Institute for International Studies
Abstract:
This paper explores the poverty agenda in Uganda, its drivers and its effects. We show that transforming the economy by increasing productivity was initially considered more important than to reduce poverty through redistributive policies. However, as a consequence of the 1996 elections a consensus on poverty eradication through health and education emerged. The Poverty Eradication Action Plan (PEAP) had a shopping list nature and it is therefore difficult to establish whether it was implemented. Growth and poverty reduction during the PEAP period was mainly due to a continuation of macro-economic policies that were introduced prior to the PEAP. Around the multi-party elections in 2006, policy priorities changed towards more focus on agricultural production, agro-business and infrastructure. The government now has a two-edged focus: poverty reduction through economic transformation and poverty reduction through social services. However, there is also a political agenda about remaining in power which threatens to undermine the results achieved so far.
Topic:
Education, Health, and Poverty
Political Geography:
Uganda and Africa

436. The new 'New Poverty Agenda' in Ghana: what impact?

Author:
Lindsay Whitfield
Publication Date:
09-2009
Content Type:
Working Paper
Institution:
Danish Institute for International Studies
Abstract:
This paper describes and explains the impact of the international-driven 'New Poverty Agenda' in Ghana, focusing on the impact of the Poverty Reduction Strategy Papers (PRSPs) adopted by the New Patriotic Party government in power from 2001 until 2008. The paper argues that the New Poverty Agenda has had some impacts, but not they have been limited and not necessarily helpful in achieving long term poverty reduction. The PRSP was seen by the government in Ghana as necessary to secure debt relief and donor resources, and the strategies produced by the government contained broad objectives rather than concrete strategies on how to achieve those objectives and thus had little impact on government actions. The paper discusses what was actually implemented under the NPP government and the factors influencing those actions. It highlights the constraints Ghanaian governments face in pursuing economic transformation within contemporary domestic and international contexts.
Topic:
Economics, Government, and Poverty
Political Geography:
Africa

437. Mass poverty in Asia and the GFC

Author:
Peter McCawley
Publication Date:
06-2009
Content Type:
Policy Brief
Institution:
Lowy Institute for International Policy
Abstract:
What is the problem? In addition to the current Global Financial Crisis (GFC), there is a second global crisis: long-term mass poverty in the third world. While the rich world worries about a repeat of the Great Depression, today more than a billion people in Asia live in conditions of bitter poverty which are much worse than those of the 1930s. As a result of the GFC, poverty in developing Asia is now likely to increase.
Topic:
Development, Economics, Poverty, and Financial Crisis
Political Geography:
Asia

438. State Elites and the New Poverty Agenda in Bangladesh

Author:
Neil Webster, Zarina Rahman Khan, Abu Hossain Muhammad Ahsan, Akhter Hussain, and Mahbubur Rahmani
Publication Date:
10-2009
Content Type:
Working Paper
Institution:
Danish Institute for International Studies
Abstract:
The New Poverty Agenda (NPA) refers to policies and approaches that the developing countries pursue for poverty reduction with the financial assistance of the donor countries and seeks to secure ownership of the political and bureaucratic elites. This paper seeks to analyse the Poverty Reduction Strategy Paper (PRSP) as part of this process in Bangladesh and to look at role of the state elites in it. The PRSP process in Bangladesh clearly indicates the key role played by the bureaucrats in its formulation and implementation. Civil society though playing a progressively important role in influencing policy agenda mostly backed up the bureaucracy. Introduction of the PRSP replacing the earlier Five Year Plans did not change the approach towards dealing with development rather transformed the way to do things. It ushered in a qualitative change in planning and development policy implementation as a population begins to assert itself upon the politics of the state elites.
Topic:
Government, Poverty, and Social Stratification
Political Geography:
Bangladesh and South Asia

439. Civil Society and UNITAID: An introduction

Publication Date:
10-2009
Content Type:
Policy Brief
Institution:
Oxfam Publishing
Abstract:
An international financing mechanism, intervening for market impact to scale up access to treatment of HIV and AIDS, TB, and malaria in developing countries.
Topic:
Development, Health, and Poverty

440. Climate change: time to get down to business

Publication Date:
09-2009
Content Type:
Policy Brief
Institution:
Oxfam Publishing
Abstract:
Climate change affects poor people first and worst. It is a major obstacle to development and poverty alleviation, as well as a serious threat to business supply chains and markets in developing countries.
Topic:
Climate Change, Development, and Poverty