The Economics of Roscas and Intra-Household Resource Allocation

K.S. Anderson, J-M. Baland

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This paper investigates individual motives to participate in rotating savings and credit associations (roscas).Detailed evidence from roscas in a Kenyan slum (Nairobi) suggests that most roscas are predominantly composed of women, particularly those living in a couple and earning an independent income. To explain this phenomenon, we propose an argument based on conflictual interactions within the household.Participation in a rosca is a strategy a wife employs to protect her savings against claims by her husband for immediate consumption.The empirical implications of the model are then tested using the data collected in Kenya.
Original languageEnglish
Place of PublicationTilburg
Number of pages38
Publication statusPublished - 2000

Publication series

NameCentER Discussion Paper


  • Rosca
  • Gender
  • Household


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