Connecting the Disconnected : Coping Strategies of the Financially Excluded in Bhutan

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dc.creatorNiang, Cecile T.
dc.creatorAndrianaivo, Mihasonirina
dc.creatorDiaz, Katherine S.
dc.creatorZekri, Sarah
dc.date2013-04-09T19:16:54Z
dc.date2013-04-09T19:16:54Z
dc.date2013-03-12
dc.date.accessioned2026-07-01T00:53:35Z
dc.descriptionIn the spring of 2012, the Royal Monetary Authority of Bhutan and the World Bank commissioned a diagnostic assessment of financial practices and strategies among urban and rural Bhutanese. The resulting survey, the Bhutan financial inclusion focus group survey, represents one of the first efforts to capture household financial management practices in the country. The assessment, undertaken at the request of a government working group led by the Royal Monetary Authority, was designed to inform Bhutan's Financial Inclusion Policy by providing information about households' use of and demand for financial services. Since the research mainly captures the perspectives of Bhutanese households, this report does not present recommendations. Instead, its findings from the field research provide qualitative evidence that has informed the financial inclusion policy by highlighting opportunities and challenges in increasing financial inclusion.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://documents.worldbank.org/curated/en/2013/01/17406679/connecting-disconnected-coping-strategies-financially-excluded
dc.identifier978-0-8213-9834-0
dc.identifier10.1596/978-0-8213-9834-0
dc.identifierhttps://hdl.handle.net/10986/13104
dc.identifierhttps://doi.org/10.1596/978-0-8213-9834-0
dc.identifier.urihttp://hdl.handle.net/123456789/412564
dc.languageEnglish
dc.languageen_US
dc.publisherWashington, DC: World Bank
dc.relationDirections in development;finance
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo
dc.rightsWorld Bank
dc.subjectACCESS POINTS
dc.subjectACCESS TO ATMS
dc.subjectACCESS TO CREDIT
dc.subjectACCESS TO FINANCE
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCESS TO LOAN
dc.subjectACCESS TO SAVINGS
dc.subjectACCESSIBILITY
dc.subjectAGRICULTURAL BANK
dc.subjectAGRICULTURAL DEVELOPMENT BANK
dc.subjectAGRICULTURAL SECTOR
dc.subjectATM
dc.subjectATM CARD
dc.subjectBALANCE SHEETS
dc.subjectBANK ACCOUNT
dc.subjectBANK ASSETS
dc.subjectBANK BRANCHES
dc.subjectBANK CREDIT
dc.subjectBANK LOAN
dc.subjectBANK LOANS
dc.subjectBANK OFFICERS
dc.subjectBANK PRODUCTS
dc.subjectBANKING SERVICES
dc.subjectBANKING SYSTEM
dc.subjectBANKS
dc.subjectBORROWER
dc.subjectBORROWING
dc.subjectBUDGETING
dc.subjectBUSINESS DEVELOPMENT
dc.subjectBUSINESS DEVELOPMENT SERVICES
dc.subjectBUSINESS LOAN
dc.subjectBUSINESS OWNERS
dc.subjectBUSINESS SCHOOL
dc.subjectCAPACITY BUILDING
dc.subjectCAPITAL ADEQUACY
dc.subjectCASH FLOW
dc.subjectCC
dc.subjectCHECKING ACCOUNT
dc.subjectCHECKING ACCOUNTS
dc.subjectCOLLATERAL
dc.subjectCOLLATERAL REQUIREMENTS
dc.subjectCOLLEGE EDUCATION
dc.subjectCOMMERCIAL BANKING
dc.subjectCOMMERCIAL BANKS
dc.subjectCONSUMER
dc.subjectCONSUMER PROTECTION
dc.subjectCONSUMERS
dc.subjectCONTRIBUTIONS
dc.subjectCOOPERATIVES
dc.subjectCREDIT ASSOCIATION
dc.subjectCREDIT BUREAU
dc.subjectCREDIT DECISIONS
dc.subjectCREDIT FACILITIES
dc.subjectCREDIT GUARANTEES
dc.subjectCREDIT HISTORIES
dc.subjectCREDIT INFORMATION
dc.subjectCREDIT INFORMATION BUREAU
dc.subjectCREDIT REPORTS
dc.subjectCREDIT RISK
dc.subjectCREDIT RISKS
dc.subjectCREDIT SCORING
dc.subjectCREDITORS
dc.subjectCURRENCY
dc.subjectCURRENT ACCOUNT
dc.subjectCUSTOMER SERVICE
dc.subjectDEBT
dc.subjectDEBTS
dc.subjectDEMAND FOR SAVING
dc.subjectDEMOGRAPHIC GROUPS
dc.subjectDEPOSIT
dc.subjectDEPOSITS
dc.subjectDEVELOPMENT BANK
dc.subjectDEVELOPMENT FINANCE
dc.subjectDIRECT DEPOSIT
dc.subjectDIRECT DEPOSITS
dc.subjectDOWRIES
dc.subjectEARNINGS
dc.subjectECONOMIC BACKGROUNDS
dc.subjectECONOMIC GROWTH
dc.subjectEDUCATION LOAN
dc.subjectEDUCATION LOANS
dc.subjectEMPLOYEE
dc.subjectEMPLOYER
dc.subjectEMPOWERMENT
dc.subjectENTREPRENEURIAL ACTIVITIES
dc.subjectENTREPRENEURS
dc.subjectEXCHANGE RATE
dc.subjectEXCLUSION
dc.subjectEXTERNAL SHOCKS
dc.subjectFAMILIES
dc.subjectFAMILY BUSINESSES
dc.subjectFAMILY MEMBERS
dc.subjectFARMERS
dc.subjectFEMALE RESPONDENTS
dc.subjectFINANCIAL ACCESS
dc.subjectFINANCIAL CONSUMERS
dc.subjectFINANCIAL DEPTH
dc.subjectFINANCIAL DEVELOPMENT
dc.subjectFINANCIAL INFRASTRUCTURE
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INTERMEDIATION
dc.subjectFINANCIAL LITERACY
dc.subjectFINANCIAL LITERACY EDUCATION
dc.subjectFINANCIAL MARKETS
dc.subjectFINANCIAL NEEDS
dc.subjectFINANCIAL PRACTICES
dc.subjectFINANCIAL PRODUCTS
dc.subjectFINANCIAL SECTOR ASSESSMENT
dc.subjectFINANCIAL SECTOR DEVELOPMENT
dc.subjectFINANCIAL SECTOR REGULATION
dc.subjectFINANCIAL SERVICE
dc.subjectFINANCIAL SERVICE PROVIDERS
dc.subjectFINANCIAL SERVICES
dc.subjectFINANCIAL SYSTEM
dc.subjectFIXED ASSETS
dc.subjectFIXED DEPOSIT
dc.subjectFLEXIBLE LOAN
dc.subjectFLEXIBLE REPAYMENTS
dc.subjectFORMAL BANK
dc.subjectFORMAL CREDIT
dc.subjectFORMAL FINANCIAL INSTITUTION
dc.subjectFORMAL FINANCIAL INSTITUTIONS
dc.subjectFORMAL FINANCIAL SECTOR
dc.subjectFORMAL FINANCIAL SERVICE
dc.subjectFORMAL FINANCIAL SERVICES
dc.subjectFORMAL LENDING
dc.subjectFORMS OF CREDIT
dc.subjectFREE LOANS
dc.subjectGENDER
dc.subjectGENDER EQUALITY
dc.subjectGROUP GUARANTEE
dc.subjectGROUP LENDING
dc.subjectGROUP LOANS
dc.subjectHOUSEHOLD ACCESS
dc.subjectHOUSEHOLD FINANCES
dc.subjectHOUSEHOLD FINANCIAL MANAGEMENT
dc.subjectHOUSEHOLDS
dc.subjectHOUSING LOAN
dc.subjectHUSBAND
dc.subjectIMMOVABLE PROPERTY
dc.subjectINDEBTEDNESS
dc.subjectINFORMAL FINANCING
dc.subjectINFORMAL LENDERS
dc.subjectINFORMAL LOAN
dc.subjectINFORMAL LOANS
dc.subjectINFORMAL SAVINGS
dc.subjectINFORMATION SYSTEMS
dc.subjectINSTALLMENTS
dc.subjectINSTITUTIONAL CAPACITY
dc.subjectINSURANCE
dc.subjectINSURANCE SERVICES
dc.subjectINTEREST RATE
dc.subjectINTEREST RATES
dc.subjectINTERNATIONAL BANK
dc.subjectINTERNATIONAL FINANCE
dc.subjectINVESTING
dc.subjectINVESTMENT BANK
dc.subjectINVESTMENT CAPITAL
dc.subjectLACK OF ACCESS
dc.subjectLACK OF AWARENESS
dc.subjectLACK OF COLLATERAL
dc.subjectLACK OF KNOWLEDGE
dc.subjectLENDING DECISIONS
dc.subjectLENDING TECHNIQUES
dc.subjectLIMITED ACCESS
dc.subjectLIMITED ACCESS TO FINANCE
dc.subjectLIVING STANDARD
dc.subjectLOAN
dc.subjectLOAN AMOUNT
dc.subjectLOAN AMOUNTS
dc.subjectLOAN APPROVALS
dc.subjectLOAN OFFICERS
dc.subjectLOAN PAYMENTS
dc.subjectLOAN PORTFOLIO
dc.subjectLOAN PROCESSING
dc.subjectLOAN PROCESSING TIMES
dc.subjectLOAN PRODUCT
dc.subjectLOAN PRODUCTS
dc.subjectLOANS FROM FAMILY
dc.subjectLONG-TERM SAVINGS
dc.subjectMICROFINANCE
dc.subjectMONETARY POLICY
dc.subjectMONEYLENDER
dc.subjectMONEYLENDERS
dc.subjectMOVABLE COLLATERAL
dc.subjectOUTREACH
dc.subjectPARTIAL CREDIT
dc.subjectPENSION
dc.subjectPENSION FUND
dc.subjectPOINT-OF-SALE
dc.subjectPOINT-OF-SALE TERMINALS
dc.subjectPOOR ACCESS
dc.subjectPOOR CREDIT
dc.subjectPROFITABILITY
dc.subjectPROPERTY RIGHTS
dc.subjectPROTECTION MEASURE
dc.subjectPURCHASES
dc.subjectQUESTIONNAIRE
dc.subjectREAL ESTATE
dc.subjectREMITTANCE
dc.subjectREMITTANCES
dc.subjectREPAYMENT
dc.subjectREPAYMENT PERIODS
dc.subjectREPAYMENTS
dc.subjectRESPONSIBILITIES
dc.subjectRURAL CLIENTS
dc.subjectSALES
dc.subjectSAVERS
dc.subjectSAVINGS ACCOUNT
dc.subjectSAVINGS ACCOUNTS
dc.subjectSAVINGS GOALS
dc.subjectSAVINGS GROUPS
dc.subjectSAVINGS INITIATIVES
dc.subjectSECURITIES
dc.subjectSENIOR
dc.subjectSINGLE PARENT
dc.subjectSMALL BUSINESSES
dc.subjectSMALL LOANS
dc.subjectSOCIAL NETWORKS
dc.subjectSOURCES OF INCOME
dc.subjectSTATE BANK
dc.subjectUNEMPLOYED
dc.subjectURBAN AREAS
dc.subjectVILLAGE
dc.subjectVILLAGES
dc.subjectWITHDRAWAL
dc.subjectWOMAN
dc.subjectWORTH
dc.subjectYOUNG ADULTS
dc.subjectYOUNG PEOPLE
dc.titleConnecting the Disconnected : Coping Strategies of the Financially Excluded in Bhutan

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