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

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...

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Bibliographic Details
Main Authors:	Niang, Cecile T., Andrianaivo, Mihasonirina, Diaz, Katherine S., Zekri, Sarah
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

Description
Summary:	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.

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

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