Institutional Design for RoSCAs: What Lessons for NGOs in The Gambia?
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Publisher:Ohio State University. Department of Agricultural, Environmental, and Development Economics
Series/Report no.:Ohio State University. Department of Agricultural Economics and Rural Sociology. ESO (Economics and Sociology Occasional Paper). No. 2185
Institutional design for fund allocation by indigenous RoSCAs in The Gambia is examined and compared to NGO RoSCAs that mimic them to provide financial services. Econometric results indicate that NGOdesign is consistent with indigenous RoSCAs if it recruits members with similar cash flows and use for funds. This has implications for NGOs organizing RoSCAs to provide financial services.
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