Connecting the Disconnected : Coping Strategies of the Financially Excluded in Bhutan

In the spring of 2012, the Royal Monetary Authority of Bhutan and the World Bank commissioned a diagnostic assessment of financial practices and strategies among urban and rural Bhutanese. The resulting survey, the Bhutan financial inclusion focus...

Full description

Bibliographic Details
Main Authors:	Niang, Cecile T., Andrianaivo, Mihasonirina, Diaz, Katherine S., Zekri, Sarah
Format:	Publication
Language:	English en_US
Published:	Washington, DC: World Bank 2013
Subjects:	ACCESS POINTS ACCESS TO ATMS ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESS TO LOAN ACCESS TO SAVINGS ACCESSIBILITY AGRICULTURAL BANK AGRICULTURAL DEVELOPMENT BANK AGRICULTURAL SECTOR ATM ATM CARD BALANCE SHEETS BANK ACCOUNT BANK ASSETS BANK BRANCHES BANK CREDIT BANK LOAN BANK LOANS BANK OFFICERS BANK PRODUCTS BANKING SERVICES BANKING SYSTEM BANKS BORROWER BORROWING BUDGETING BUSINESS DEVELOPMENT BUSINESS DEVELOPMENT SERVICES BUSINESS LOAN BUSINESS OWNERS BUSINESS SCHOOL CAPACITY BUILDING CAPITAL ADEQUACY CASH FLOW CC CHECKING ACCOUNT CHECKING ACCOUNTS COLLATERAL COLLATERAL REQUIREMENTS COLLEGE EDUCATION COMMERCIAL BANKING COMMERCIAL BANKS CONSUMER CONSUMER PROTECTION CONSUMERS CONTRIBUTIONS COOPERATIVES CREDIT ASSOCIATION CREDIT BUREAU CREDIT DECISIONS CREDIT FACILITIES CREDIT GUARANTEES CREDIT HISTORIES CREDIT INFORMATION CREDIT INFORMATION BUREAU CREDIT REPORTS CREDIT RISK CREDIT RISKS CREDIT SCORING CREDITORS CURRENCY CURRENT ACCOUNT CUSTOMER SERVICE DEBT DEBTS DEMAND FOR SAVING DEMOGRAPHIC GROUPS DEPOSIT DEPOSITS DEVELOPMENT BANK DEVELOPMENT FINANCE DIRECT DEPOSIT DIRECT DEPOSITS DOWRIES EARNINGS ECONOMIC BACKGROUNDS ECONOMIC GROWTH EDUCATION LOAN EDUCATION LOANS EMPLOYEE EMPLOYER EMPOWERMENT ENTREPRENEURIAL ACTIVITIES ENTREPRENEURS EXCHANGE RATE EXCLUSION EXTERNAL SHOCKS FAMILIES FAMILY BUSINESSES FAMILY MEMBERS FARMERS FEMALE RESPONDENTS FINANCIAL ACCESS FINANCIAL CONSUMERS FINANCIAL DEPTH FINANCIAL DEVELOPMENT FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL LITERACY FINANCIAL LITERACY EDUCATION FINANCIAL MARKETS FINANCIAL NEEDS FINANCIAL PRACTICES FINANCIAL PRODUCTS FINANCIAL SECTOR ASSESSMENT FINANCIAL SECTOR DEVELOPMENT FINANCIAL SECTOR REGULATION FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SERVICES FINANCIAL SYSTEM FIXED ASSETS FIXED DEPOSIT FLEXIBLE LOAN FLEXIBLE REPAYMENTS FORMAL BANK FORMAL CREDIT FORMAL FINANCIAL INSTITUTION FORMAL FINANCIAL INSTITUTIONS FORMAL FINANCIAL SECTOR FORMAL FINANCIAL SERVICE FORMAL FINANCIAL SERVICES FORMAL LENDING FORMS OF CREDIT FREE LOANS GENDER GENDER EQUALITY GROUP GUARANTEE GROUP LENDING GROUP LOANS HOUSEHOLD ACCESS HOUSEHOLD FINANCES HOUSEHOLD FINANCIAL MANAGEMENT HOUSEHOLDS HOUSING LOAN HUSBAND IMMOVABLE PROPERTY INDEBTEDNESS INFORMAL FINANCING INFORMAL LENDERS INFORMAL LOAN INFORMAL LOANS INFORMAL SAVINGS INFORMATION SYSTEMS INSTALLMENTS INSTITUTIONAL CAPACITY INSURANCE INSURANCE SERVICES INTEREST RATE INTEREST RATES INTERNATIONAL BANK INTERNATIONAL FINANCE INVESTING INVESTMENT BANK INVESTMENT CAPITAL LACK OF ACCESS LACK OF AWARENESS LACK OF COLLATERAL LACK OF KNOWLEDGE LENDING DECISIONS LENDING TECHNIQUES LIMITED ACCESS LIMITED ACCESS TO FINANCE LIVING STANDARD LOAN LOAN AMOUNT LOAN AMOUNTS LOAN APPROVALS LOAN OFFICERS LOAN PAYMENTS LOAN PORTFOLIO LOAN PROCESSING LOAN PROCESSING TIMES LOAN PRODUCT LOAN PRODUCTS LOANS FROM FAMILY LONG-TERM SAVINGS MICROFINANCE MONETARY POLICY MONEYLENDER MONEYLENDERS MOVABLE COLLATERAL OUTREACH PARTIAL CREDIT PENSION PENSION FUND POINT-OF-SALE POINT-OF-SALE TERMINALS POOR ACCESS POOR CREDIT PROFITABILITY PROPERTY RIGHTS PROTECTION MEASURE PURCHASES QUESTIONNAIRE REAL ESTATE REMITTANCE REMITTANCES REPAYMENT REPAYMENT PERIODS REPAYMENTS RESPONSIBILITIES RURAL CLIENTS SALES SAVERS SAVINGS ACCOUNT SAVINGS ACCOUNTS SAVINGS GOALS SAVINGS GROUPS SAVINGS INITIATIVES SECURITIES SENIOR SINGLE PARENT SMALL BUSINESSES SMALL LOANS SOCIAL NETWORKS SOURCES OF INCOME STATE BANK UNEMPLOYED URBAN AREAS VILLAGE VILLAGES WITHDRAWAL WOMAN WORTH YOUNG ADULTS YOUNG PEOPLE
Online Access:	http://documents.worldbank.org/curated/en/2013/01/17406679/connecting-disconnected-coping-strategies-financially-excluded http://hdl.handle.net/10986/13104

id	okr-10986-13104
recordtype	oai_dc
repository_type	Digital Repository
institution_category	Foreign Institution
institution	Digital Repositories
building	World Bank Open Knowledge Repository
collection	World Bank
language	English en_US
topic	ACCESS POINTS ACCESS TO ATMS ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESS TO LOAN ACCESS TO SAVINGS ACCESSIBILITY AGRICULTURAL BANK AGRICULTURAL DEVELOPMENT BANK AGRICULTURAL SECTOR ATM ATM CARD BALANCE SHEETS BANK ACCOUNT BANK ASSETS BANK BRANCHES BANK CREDIT BANK LOAN BANK LOANS BANK OFFICERS BANK PRODUCTS BANKING SERVICES BANKING SYSTEM BANKS BORROWER BORROWING BUDGETING BUSINESS DEVELOPMENT BUSINESS DEVELOPMENT SERVICES BUSINESS LOAN BUSINESS OWNERS BUSINESS SCHOOL CAPACITY BUILDING CAPITAL ADEQUACY CASH FLOW CC CHECKING ACCOUNT CHECKING ACCOUNTS COLLATERAL COLLATERAL REQUIREMENTS COLLEGE EDUCATION COMMERCIAL BANKING COMMERCIAL BANKS CONSUMER CONSUMER PROTECTION CONSUMERS CONTRIBUTIONS COOPERATIVES CREDIT ASSOCIATION CREDIT BUREAU CREDIT DECISIONS CREDIT FACILITIES CREDIT GUARANTEES CREDIT HISTORIES CREDIT INFORMATION CREDIT INFORMATION BUREAU CREDIT REPORTS CREDIT RISK CREDIT RISKS CREDIT SCORING CREDITORS CURRENCY CURRENT ACCOUNT CUSTOMER SERVICE DEBT DEBTS DEMAND FOR SAVING DEMOGRAPHIC GROUPS DEPOSIT DEPOSITS DEVELOPMENT BANK DEVELOPMENT FINANCE DIRECT DEPOSIT DIRECT DEPOSITS DOWRIES EARNINGS ECONOMIC BACKGROUNDS ECONOMIC GROWTH EDUCATION LOAN EDUCATION LOANS EMPLOYEE EMPLOYER EMPOWERMENT ENTREPRENEURIAL ACTIVITIES ENTREPRENEURS EXCHANGE RATE EXCLUSION EXTERNAL SHOCKS FAMILIES FAMILY BUSINESSES FAMILY MEMBERS FARMERS FEMALE RESPONDENTS FINANCIAL ACCESS FINANCIAL CONSUMERS FINANCIAL DEPTH FINANCIAL DEVELOPMENT FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL LITERACY FINANCIAL LITERACY EDUCATION FINANCIAL MARKETS FINANCIAL NEEDS FINANCIAL PRACTICES FINANCIAL PRODUCTS FINANCIAL SECTOR ASSESSMENT FINANCIAL SECTOR DEVELOPMENT FINANCIAL SECTOR REGULATION FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SERVICES FINANCIAL SYSTEM FIXED ASSETS FIXED DEPOSIT FLEXIBLE LOAN FLEXIBLE REPAYMENTS FORMAL BANK FORMAL CREDIT FORMAL FINANCIAL INSTITUTION FORMAL FINANCIAL INSTITUTIONS FORMAL FINANCIAL SECTOR FORMAL FINANCIAL SERVICE FORMAL FINANCIAL SERVICES FORMAL LENDING FORMS OF CREDIT FREE LOANS GENDER GENDER EQUALITY GROUP GUARANTEE GROUP LENDING GROUP LOANS HOUSEHOLD ACCESS HOUSEHOLD FINANCES HOUSEHOLD FINANCIAL MANAGEMENT HOUSEHOLDS HOUSING LOAN HUSBAND IMMOVABLE PROPERTY INDEBTEDNESS INFORMAL FINANCING INFORMAL LENDERS INFORMAL LOAN INFORMAL LOANS INFORMAL SAVINGS INFORMATION SYSTEMS INSTALLMENTS INSTITUTIONAL CAPACITY INSURANCE INSURANCE SERVICES INTEREST RATE INTEREST RATES INTERNATIONAL BANK INTERNATIONAL FINANCE INVESTING INVESTMENT BANK INVESTMENT CAPITAL LACK OF ACCESS LACK OF AWARENESS LACK OF COLLATERAL LACK OF KNOWLEDGE LENDING DECISIONS LENDING TECHNIQUES LIMITED ACCESS LIMITED ACCESS TO FINANCE LIVING STANDARD LOAN LOAN AMOUNT LOAN AMOUNTS LOAN APPROVALS LOAN OFFICERS LOAN PAYMENTS LOAN PORTFOLIO LOAN PROCESSING LOAN PROCESSING TIMES LOAN PRODUCT LOAN PRODUCTS LOANS FROM FAMILY LONG-TERM SAVINGS MICROFINANCE MONETARY POLICY MONEYLENDER MONEYLENDERS MOVABLE COLLATERAL OUTREACH PARTIAL CREDIT PENSION PENSION FUND POINT-OF-SALE POINT-OF-SALE TERMINALS POOR ACCESS POOR CREDIT PROFITABILITY PROPERTY RIGHTS PROTECTION MEASURE PURCHASES QUESTIONNAIRE REAL ESTATE REMITTANCE REMITTANCES REPAYMENT REPAYMENT PERIODS REPAYMENTS RESPONSIBILITIES RURAL CLIENTS SALES SAVERS SAVINGS ACCOUNT SAVINGS ACCOUNTS SAVINGS GOALS SAVINGS GROUPS SAVINGS INITIATIVES SECURITIES SENIOR SINGLE PARENT SMALL BUSINESSES SMALL LOANS SOCIAL NETWORKS SOURCES OF INCOME STATE BANK UNEMPLOYED URBAN AREAS VILLAGE VILLAGES WITHDRAWAL WOMAN WORTH YOUNG ADULTS YOUNG PEOPLE
spellingShingle	ACCESS POINTS ACCESS TO ATMS ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESS TO LOAN ACCESS TO SAVINGS ACCESSIBILITY AGRICULTURAL BANK AGRICULTURAL DEVELOPMENT BANK AGRICULTURAL SECTOR ATM ATM CARD BALANCE SHEETS BANK ACCOUNT BANK ASSETS BANK BRANCHES BANK CREDIT BANK LOAN BANK LOANS BANK OFFICERS BANK PRODUCTS BANKING SERVICES BANKING SYSTEM BANKS BORROWER BORROWING BUDGETING BUSINESS DEVELOPMENT BUSINESS DEVELOPMENT SERVICES BUSINESS LOAN BUSINESS OWNERS BUSINESS SCHOOL CAPACITY BUILDING CAPITAL ADEQUACY CASH FLOW CC CHECKING ACCOUNT CHECKING ACCOUNTS COLLATERAL COLLATERAL REQUIREMENTS COLLEGE EDUCATION COMMERCIAL BANKING COMMERCIAL BANKS CONSUMER CONSUMER PROTECTION CONSUMERS CONTRIBUTIONS COOPERATIVES CREDIT ASSOCIATION CREDIT BUREAU CREDIT DECISIONS CREDIT FACILITIES CREDIT GUARANTEES CREDIT HISTORIES CREDIT INFORMATION CREDIT INFORMATION BUREAU CREDIT REPORTS CREDIT RISK CREDIT RISKS CREDIT SCORING CREDITORS CURRENCY CURRENT ACCOUNT CUSTOMER SERVICE DEBT DEBTS DEMAND FOR SAVING DEMOGRAPHIC GROUPS DEPOSIT DEPOSITS DEVELOPMENT BANK DEVELOPMENT FINANCE DIRECT DEPOSIT DIRECT DEPOSITS DOWRIES EARNINGS ECONOMIC BACKGROUNDS ECONOMIC GROWTH EDUCATION LOAN EDUCATION LOANS EMPLOYEE EMPLOYER EMPOWERMENT ENTREPRENEURIAL ACTIVITIES ENTREPRENEURS EXCHANGE RATE EXCLUSION EXTERNAL SHOCKS FAMILIES FAMILY BUSINESSES FAMILY MEMBERS FARMERS FEMALE RESPONDENTS FINANCIAL ACCESS FINANCIAL CONSUMERS FINANCIAL DEPTH FINANCIAL DEVELOPMENT FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL LITERACY FINANCIAL LITERACY EDUCATION FINANCIAL MARKETS FINANCIAL NEEDS FINANCIAL PRACTICES FINANCIAL PRODUCTS FINANCIAL SECTOR ASSESSMENT FINANCIAL SECTOR DEVELOPMENT FINANCIAL SECTOR REGULATION FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SERVICES FINANCIAL SYSTEM FIXED ASSETS FIXED DEPOSIT FLEXIBLE LOAN FLEXIBLE REPAYMENTS FORMAL BANK FORMAL CREDIT FORMAL FINANCIAL INSTITUTION FORMAL FINANCIAL INSTITUTIONS FORMAL FINANCIAL SECTOR FORMAL FINANCIAL SERVICE FORMAL FINANCIAL SERVICES FORMAL LENDING FORMS OF CREDIT FREE LOANS GENDER GENDER EQUALITY GROUP GUARANTEE GROUP LENDING GROUP LOANS HOUSEHOLD ACCESS HOUSEHOLD FINANCES HOUSEHOLD FINANCIAL MANAGEMENT HOUSEHOLDS HOUSING LOAN HUSBAND IMMOVABLE PROPERTY INDEBTEDNESS INFORMAL FINANCING INFORMAL LENDERS INFORMAL LOAN INFORMAL LOANS INFORMAL SAVINGS INFORMATION SYSTEMS INSTALLMENTS INSTITUTIONAL CAPACITY INSURANCE INSURANCE SERVICES INTEREST RATE INTEREST RATES INTERNATIONAL BANK INTERNATIONAL FINANCE INVESTING INVESTMENT BANK INVESTMENT CAPITAL LACK OF ACCESS LACK OF AWARENESS LACK OF COLLATERAL LACK OF KNOWLEDGE LENDING DECISIONS LENDING TECHNIQUES LIMITED ACCESS LIMITED ACCESS TO FINANCE LIVING STANDARD LOAN LOAN AMOUNT LOAN AMOUNTS LOAN APPROVALS LOAN OFFICERS LOAN PAYMENTS LOAN PORTFOLIO LOAN PROCESSING LOAN PROCESSING TIMES LOAN PRODUCT LOAN PRODUCTS LOANS FROM FAMILY LONG-TERM SAVINGS MICROFINANCE MONETARY POLICY MONEYLENDER MONEYLENDERS MOVABLE COLLATERAL OUTREACH PARTIAL CREDIT PENSION PENSION FUND POINT-OF-SALE POINT-OF-SALE TERMINALS POOR ACCESS POOR CREDIT PROFITABILITY PROPERTY RIGHTS PROTECTION MEASURE PURCHASES QUESTIONNAIRE REAL ESTATE REMITTANCE REMITTANCES REPAYMENT REPAYMENT PERIODS REPAYMENTS RESPONSIBILITIES RURAL CLIENTS SALES SAVERS SAVINGS ACCOUNT SAVINGS ACCOUNTS SAVINGS GOALS SAVINGS GROUPS SAVINGS INITIATIVES SECURITIES SENIOR SINGLE PARENT SMALL BUSINESSES SMALL LOANS SOCIAL NETWORKS SOURCES OF INCOME STATE BANK UNEMPLOYED URBAN AREAS VILLAGE VILLAGES WITHDRAWAL WOMAN WORTH YOUNG ADULTS YOUNG PEOPLE Niang, Cecile T. Andrianaivo, Mihasonirina Diaz, Katherine S. Zekri, Sarah Connecting the Disconnected : Coping Strategies of the Financially Excluded in Bhutan
geographic_facet	South Asia Bhutan
relation	Directions in development;finance
description	In the spring of 2012, the Royal Monetary Authority of Bhutan and the World Bank commissioned a diagnostic assessment of financial practices and strategies among urban and rural Bhutanese. The resulting survey, the Bhutan financial inclusion focus group survey, represents one of the first efforts to capture household financial management practices in the country. The assessment, undertaken at the request of a government working group led by the Royal Monetary Authority, was designed to inform Bhutan's Financial Inclusion Policy by providing information about households' use of and demand for financial services. Since the research mainly captures the perspectives of Bhutanese households, this report does not present recommendations. Instead, its findings from the field research provide qualitative evidence that has informed the financial inclusion policy by highlighting opportunities and challenges in increasing financial inclusion.
format	Publications & Research :: Publication
author	Niang, Cecile T. Andrianaivo, Mihasonirina Diaz, Katherine S. Zekri, Sarah
author_facet	Niang, Cecile T. Andrianaivo, Mihasonirina Diaz, Katherine S. Zekri, Sarah
author_sort	Niang, Cecile T.
title	Connecting the Disconnected : Coping Strategies of the Financially Excluded in Bhutan
title_short	Connecting the Disconnected : Coping Strategies of the Financially Excluded in Bhutan
title_full	Connecting the Disconnected : Coping Strategies of the Financially Excluded in Bhutan
title_fullStr	Connecting the Disconnected : Coping Strategies of the Financially Excluded in Bhutan
title_full_unstemmed	Connecting the Disconnected : Coping Strategies of the Financially Excluded in Bhutan
title_sort	connecting the disconnected : coping strategies of the financially excluded in bhutan
publisher	Washington, DC: World Bank
publishDate	2013
url	http://documents.worldbank.org/curated/en/2013/01/17406679/connecting-disconnected-coping-strategies-financially-excluded http://hdl.handle.net/10986/13104
_version_	1764422487850876928
spelling	okr-10986-131042021-04-23T14:03:06Z Connecting the Disconnected : Coping Strategies of the Financially Excluded in Bhutan Niang, Cecile T. Andrianaivo, Mihasonirina Diaz, Katherine S. Zekri, Sarah ACCESS POINTS ACCESS TO ATMS ACCESS TO CREDIT ACCESS TO FINANCE ACCESS TO FINANCIAL SERVICES ACCESS TO LOAN ACCESS TO SAVINGS ACCESSIBILITY AGRICULTURAL BANK AGRICULTURAL DEVELOPMENT BANK AGRICULTURAL SECTOR ATM ATM CARD BALANCE SHEETS BANK ACCOUNT BANK ASSETS BANK BRANCHES BANK CREDIT BANK LOAN BANK LOANS BANK OFFICERS BANK PRODUCTS BANKING SERVICES BANKING SYSTEM BANKS BORROWER BORROWING BUDGETING BUSINESS DEVELOPMENT BUSINESS DEVELOPMENT SERVICES BUSINESS LOAN BUSINESS OWNERS BUSINESS SCHOOL CAPACITY BUILDING CAPITAL ADEQUACY CASH FLOW CC CHECKING ACCOUNT CHECKING ACCOUNTS COLLATERAL COLLATERAL REQUIREMENTS COLLEGE EDUCATION COMMERCIAL BANKING COMMERCIAL BANKS CONSUMER CONSUMER PROTECTION CONSUMERS CONTRIBUTIONS COOPERATIVES CREDIT ASSOCIATION CREDIT BUREAU CREDIT DECISIONS CREDIT FACILITIES CREDIT GUARANTEES CREDIT HISTORIES CREDIT INFORMATION CREDIT INFORMATION BUREAU CREDIT REPORTS CREDIT RISK CREDIT RISKS CREDIT SCORING CREDITORS CURRENCY CURRENT ACCOUNT CUSTOMER SERVICE DEBT DEBTS DEMAND FOR SAVING DEMOGRAPHIC GROUPS DEPOSIT DEPOSITS DEVELOPMENT BANK DEVELOPMENT FINANCE DIRECT DEPOSIT DIRECT DEPOSITS DOWRIES EARNINGS ECONOMIC BACKGROUNDS ECONOMIC GROWTH EDUCATION LOAN EDUCATION LOANS EMPLOYEE EMPLOYER EMPOWERMENT ENTREPRENEURIAL ACTIVITIES ENTREPRENEURS EXCHANGE RATE EXCLUSION EXTERNAL SHOCKS FAMILIES FAMILY BUSINESSES FAMILY MEMBERS FARMERS FEMALE RESPONDENTS FINANCIAL ACCESS FINANCIAL CONSUMERS FINANCIAL DEPTH FINANCIAL DEVELOPMENT FINANCIAL INFRASTRUCTURE FINANCIAL INSTITUTIONS FINANCIAL INTERMEDIATION FINANCIAL LITERACY FINANCIAL LITERACY EDUCATION FINANCIAL MARKETS FINANCIAL NEEDS FINANCIAL PRACTICES FINANCIAL PRODUCTS FINANCIAL SECTOR ASSESSMENT FINANCIAL SECTOR DEVELOPMENT FINANCIAL SECTOR REGULATION FINANCIAL SERVICE FINANCIAL SERVICE PROVIDERS FINANCIAL SERVICES FINANCIAL SYSTEM FIXED ASSETS FIXED DEPOSIT FLEXIBLE LOAN FLEXIBLE REPAYMENTS FORMAL BANK FORMAL CREDIT FORMAL FINANCIAL INSTITUTION FORMAL FINANCIAL INSTITUTIONS FORMAL FINANCIAL SECTOR FORMAL FINANCIAL SERVICE FORMAL FINANCIAL SERVICES FORMAL LENDING FORMS OF CREDIT FREE LOANS GENDER GENDER EQUALITY GROUP GUARANTEE GROUP LENDING GROUP LOANS HOUSEHOLD ACCESS HOUSEHOLD FINANCES HOUSEHOLD FINANCIAL MANAGEMENT HOUSEHOLDS HOUSING LOAN HUSBAND IMMOVABLE PROPERTY INDEBTEDNESS INFORMAL FINANCING INFORMAL LENDERS INFORMAL LOAN INFORMAL LOANS INFORMAL SAVINGS INFORMATION SYSTEMS INSTALLMENTS INSTITUTIONAL CAPACITY INSURANCE INSURANCE SERVICES INTEREST RATE INTEREST RATES INTERNATIONAL BANK INTERNATIONAL FINANCE INVESTING INVESTMENT BANK INVESTMENT CAPITAL LACK OF ACCESS LACK OF AWARENESS LACK OF COLLATERAL LACK OF KNOWLEDGE LENDING DECISIONS LENDING TECHNIQUES LIMITED ACCESS LIMITED ACCESS TO FINANCE LIVING STANDARD LOAN LOAN AMOUNT LOAN AMOUNTS LOAN APPROVALS LOAN OFFICERS LOAN PAYMENTS LOAN PORTFOLIO LOAN PROCESSING LOAN PROCESSING TIMES LOAN PRODUCT LOAN PRODUCTS LOANS FROM FAMILY LONG-TERM SAVINGS MICROFINANCE MONETARY POLICY MONEYLENDER MONEYLENDERS MOVABLE COLLATERAL OUTREACH PARTIAL CREDIT PENSION PENSION FUND POINT-OF-SALE POINT-OF-SALE TERMINALS POOR ACCESS POOR CREDIT PROFITABILITY PROPERTY RIGHTS PROTECTION MEASURE PURCHASES QUESTIONNAIRE REAL ESTATE REMITTANCE REMITTANCES REPAYMENT REPAYMENT PERIODS REPAYMENTS RESPONSIBILITIES RURAL CLIENTS SALES SAVERS SAVINGS ACCOUNT SAVINGS ACCOUNTS SAVINGS GOALS SAVINGS GROUPS SAVINGS INITIATIVES SECURITIES SENIOR SINGLE PARENT SMALL BUSINESSES SMALL LOANS SOCIAL NETWORKS SOURCES OF INCOME STATE BANK UNEMPLOYED URBAN AREAS VILLAGE VILLAGES WITHDRAWAL WOMAN WORTH YOUNG ADULTS YOUNG PEOPLE In the spring of 2012, the Royal Monetary Authority of Bhutan and the World Bank commissioned a diagnostic assessment of financial practices and strategies among urban and rural Bhutanese. The resulting survey, the Bhutan financial inclusion focus group survey, represents one of the first efforts to capture household financial management practices in the country. The assessment, undertaken at the request of a government working group led by the Royal Monetary Authority, was designed to inform Bhutan's Financial Inclusion Policy by providing information about households' use of and demand for financial services. Since the research mainly captures the perspectives of Bhutanese households, this report does not present recommendations. Instead, its findings from the field research provide qualitative evidence that has informed the financial inclusion policy by highlighting opportunities and challenges in increasing financial inclusion. 2013-04-09T19:16:54Z 2013-04-09T19:16:54Z 2013-03-12 http://documents.worldbank.org/curated/en/2013/01/17406679/connecting-disconnected-coping-strategies-financially-excluded 978-0-8213-9834-0 10.1596/978-0-8213-9834-0 http://hdl.handle.net/10986/13104 English en_US Directions in development;finance CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo World Bank Washington, DC: World Bank Publications & Research :: Publication Publications & Research :: Publication South Asia Bhutan

Connecting the Disconnected : Coping Strategies of the Financially Excluded in Bhutan

Similar Items