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Participation in rotating, savings, ...

Ibrahim, Habiba A.

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Participation in rotating, savings, and credit associations and enhanced asset accumulation among African immigrants in the United States: An institutional approach.

紀錄類型:	書目-電子資源 : Monograph/item
正題名/作者:	Participation in rotating, savings, and credit associations and enhanced asset accumulation among African immigrants in the United States: An institutional approach./
作者:	Ibrahim, Habiba A.
出版者:	Ann Arbor : ProQuest Dissertations & Theses, : 2016,
面頁冊數:	161 p.
附註:	Source: Dissertation Abstracts International, Volume: 78-04(E), Section: A.
Contained By:	Dissertation Abstracts International78-04A(E).
標題:	Public policy. -
電子資源:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=10164922
ISBN:	9781369193367

Participation in rotating, savings, and credit associations and enhanced asset accumulation among African immigrants in the United States: An institutional approach.
Ibrahim, Habiba A.

Participation in rotating, savings, and credit associations and enhanced asset accumulation among African immigrants in the United States: An institutional approach. - Ann Arbor : ProQuest Dissertations & Theses, 2016 - 161 p.

Source: Dissertation Abstracts International, Volume: 78-04(E), Section: A.

Thesis (Ph.D.)--Saint Louis University, 2016.

The financial and wealth gap between the wealthy and the poor is wide and has been growing for the past several decades. The gap is even wider between foreign-born and native-born households. The gap also exists in the use of financial market services. Immigrants are 12% more likely to be unbanked than native-born Americans. Previous studies have shown immigrants use alternatives financial services such as rotating, savings, and credit associations (ROSCAs) to pool capital for small businesses.

ISBN: 9781369193367Subjects--Topical Terms:

532803
Public policy.

Participation in rotating, savings, and credit associations and enhanced asset accumulation among African immigrants in the United States: An institutional approach.
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520 $a The financial and wealth gap between the wealthy and the poor is wide and has been growing for the past several decades. The gap is even wider between foreign-born and native-born households. The gap also exists in the use of financial market services. Immigrants are 12% more likely to be unbanked than native-born Americans. Previous studies have shown immigrants use alternatives financial services such as rotating, savings, and credit associations (ROSCAs) to pool capital for small businesses.
520 $a Using survey and interview data from four cities across the United States, this study investigated the following questions: i) Is the length of ROSCA participation associated with successful saving habit(s)? ii) Is there a relationship between saving in ROSCAs and asset-accumulation among ROSCAs participants? iii) What are the institutional elements of ROSCAs? The social capital theory and the institutional theory of savings framework guide the study.
520 $a Results from this study suggest that ROSCA participants use their ROSCA savings to acquire assets. Homeownership increased by 13.6% and small businesses increased by 27%. Funds were also invested in other large purchases such as car purchases, jewelries and investment in the country of origin in homes and businesses. The results of the logistics regression indicate there is a significant relationship between assets owned and savings in ROSCAs. Conclusions and implications for policy, practice, and research are discussed.
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