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Financial Capabilities: Multilevel Modeling of the Impact of Internal and External Capabilities of Rural Households.

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Title: Financial Capabilities: Multilevel Modeling of the Impact of Internal and External Capabilities of Rural Households.
Authors: Chowa, Gina, Ansong, David, Despard, Mathieu R.
Source: Social Work Research. Mar2014, Vol. 38 Issue 1, p19-35. 17p.
Subjects: Analysis of variance, Assets (Accounting), Chi-squared test, Community health services, Confidence intervals, Epidemiology, Health risk assessment, Questionnaires, Rural conditions, Statistics, Data analysis, Multiple regression analysis, Socioeconomic factors, Inter-observer reliability, Descriptive statistics
Geographic Terms: Uganda
Abstract: In recent years, discussion about the financial capability of rural households has increased. Although studies have conceptualized what financial capability means, there is a dearth of empirical evidence that addresses how the different components of financial capability interact to improve savings outcomes, especially in rural households in sub-Saharan Africa. In this article, the authors use data from an asset-building project in Masindi, Uganda, and a multilevel logistic regression approach to model the likelihood of households contributing to a savings account in a bank. The advantage of a multilevel modeling approach is that it will allow for understanding how contextual factors, such as proximity to the bank and the presence of informal savings mechanisms, affect how households save. Findings suggest that community characteristics affect rural households' financial capability. The study also shows that financial education and the existence of informal savings groups are associated with the households' saving behaviors and that internal and external factors are important in shaping them. The implications of the findings and the importance of using the correct method of analysis are discussed. [ABSTRACT FROM PUBLISHER]
Copyright of Social Work Research is the property of Oxford University Press / USA and its content may not be copied or emailed to multiple sites without the copyright holder's express written permission. Additionally, content may not be used with any artificial intelligence tools or machine learning technologies. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)
Database: Psychology and Behavioral Sciences Collection
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  Data: In recent years, discussion about the financial capability of rural households has increased. Although studies have conceptualized what financial capability means, there is a dearth of empirical evidence that addresses how the different components of financial capability interact to improve savings outcomes, especially in rural households in sub-Saharan Africa. In this article, the authors use data from an asset-building project in Masindi, Uganda, and a multilevel logistic regression approach to model the likelihood of households contributing to a savings account in a bank. The advantage of a multilevel modeling approach is that it will allow for understanding how contextual factors, such as proximity to the bank and the presence of informal savings mechanisms, affect how households save. Findings suggest that community characteristics affect rural households' financial capability. The study also shows that financial education and the existence of informal savings groups are associated with the households' saving behaviors and that internal and external factors are important in shaping them. The implications of the findings and the importance of using the correct method of analysis are discussed. [ABSTRACT FROM PUBLISHER]
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  Data: <i>Copyright of Social Work Research is the property of Oxford University Press / USA and its content may not be copied or emailed to multiple sites without the copyright holder's express written permission. Additionally, content may not be used with any artificial intelligence tools or machine learning technologies. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract.</i> (Copyright applies to all Abstracts.)
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        Value: 10.1093/swr/svu002
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        Text: English
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      Pagination:
        PageCount: 17
        StartPage: 19
    Subjects:
      – SubjectFull: Analysis of variance
        Type: general
      – SubjectFull: Assets (Accounting)
        Type: general
      – SubjectFull: Chi-squared test
        Type: general
      – SubjectFull: Community health services
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      – SubjectFull: Confidence intervals
        Type: general
      – SubjectFull: Epidemiology
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      – SubjectFull: Health risk assessment
        Type: general
      – SubjectFull: Questionnaires
        Type: general
      – SubjectFull: Rural conditions
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      – SubjectFull: Statistics
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      – SubjectFull: Data analysis
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      – SubjectFull: Multiple regression analysis
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      – SubjectFull: Socioeconomic factors
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      – SubjectFull: Inter-observer reliability
        Type: general
      – SubjectFull: Descriptive statistics
        Type: general
      – SubjectFull: Uganda
        Type: general
    Titles:
      – TitleFull: Financial Capabilities: Multilevel Modeling of the Impact of Internal and External Capabilities of Rural Households.
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            NameFull: Chowa, Gina
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            NameFull: Ansong, David
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              Text: Mar2014
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