Financial diaries from Bangladesh, India, and South Africa show how low income households combine saving, borrowing, and informal insurance to manage daily expenses, emergencies, and larger purchases.
7 parts, about 20 minutes to read.
Collins and colleagues call for convenient, structured tools that fit cash flow; Banerjee and Duflo add full price fertilizer vouchers sold at farmers' homes just after harvest, with fertilizer delivered when requested.
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