Segmenting the markets for savings among the poor across countries

This paper examines how different groups among the poor are saving based on evidence arising from two data sources which are further described in immediately following sub-sections: • for cross-country analysis and single country adoption analysis, we draw on cross-country FinScope datasets from seven African countries, which have not been used for this purpose before; • in South Africa, we use a 2004 micro-level household panel called the Financial Diaries, which track all the income, expenditure and financial flows of a small sample of poor and relatively poor households over a ten month period.