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Financial systems and risk management : the nature and role of financial services for managing poor urban livelihoods in Kampala, Uganda in 2000

Gifford, Julie Louise (2007)
Ph.D. thesis, University of Birmingham.

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The concept of urban poverty has developed from a static income-based absolute approach to a holistic dynamic and complex state, embedded in livelihood assets and a vulnerability context. A variety of livelihood assets including labour, housing, intra-household, human and social capital are important for risk management strategies. Microfinance has been seen as a key panacea for livelihood development. Using the livelihoods framework this research analyses the nature of livelihoods and financial services within Bwaise, Kampala, Uganda, a poor, densely populated area with a mixture of residential and commercial activities. Financial services available in the area at the time of the research were diverse, ranging from formal banks and donor-led microfinance to cash rounds and informal loans. These financial services, mainly developed by the poor, were used to secure livelihoods with a cumulative nesting of use by the poor. The influence of external factors was high and significantly affected how the poor managed their livelihoods and impeded livelihood development. Theft, ill health and unstable employment were key factors contributing to a highly vulnerable environment. The complexity of urban livelihoods created the need for diverse financial services because expenditure requirements often outstripped income flows. A diverse range of financial services became a vital part of income and consumption smoothing risk management strategies, and these were key for protecting and managing livelihoods.

Type of Work:Ph.D. thesis.
Supervisor(s):Amis, Philip (1956-)
School/Faculty:Schools (1998 to 2008) > School of Public Policy
Department:International Development Department
Keywords:Informal finance, debt, Africa, micro-finance, poverty, livelihoods, Uganda, urban, credit, social capital
Subjects:HC Economic History and Conditions
HN Social history and conditions. Social problems. Social reform
Institution:University of Birmingham
Library Catalogue:Check for printed version of this thesis
ID Code:906
This unpublished thesis/dissertation is copyright of the author and/or third parties. The intellectual property rights of the author or third parties in respect of this work are as defined by The Copyright Designs and Patents Act 1988 or as modified by any successor legislation. Any use made of information contained in this thesis/dissertation must be in accordance with that legislation and must be properly acknowledged. Further distribution or reproduction in any format is prohibited without the permission of the copyright holder.
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