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The impact of mobile money on Rwandan household consumption
Research on consumption patterns in developing countries shows that precautionary savings behaviour is common. This is driven by high-risk exposure to natural and economic shocks, and a lack of formal insurance mechanisms among rural farming households. The spread of mobile phones has introduced mob...
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| Format: | Thesis |
| Language: | English English |
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School of Economics
2025
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| _version_ | 1867613331899023360 |
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| access_status_str | Open Access |
| author | Cedras, Joshua |
| author2 | Hollander, Hylton |
| author_browse | Cedras, Joshua Hollander, Hylton |
| author_facet | Hollander, Hylton Cedras, Joshua |
| author_sort | Cedras, Joshua |
| collection | Thesis |
| description | Research on consumption patterns in developing countries shows that precautionary savings behaviour is common. This is driven by high-risk exposure to natural and economic shocks, and a lack of formal insurance mechanisms among rural farming households. The spread of mobile phones has introduced mobile money, which offers new financial opportunities to marginalized groups. This study examines mobile money's impact on consumption in Rwanda, using data from the Rwanda FinScope 2020 Survey. It applies probabilistic models and an instrumental variable approach to explore the relationship between mobile money use and consumption. The study finds that mobile money is financially inclusive and increases the likelihood of higher consumption among households. Remittances, representing financial flows between households, are key to this increased consumption smoothing. The findings suggest further research is needed to investigate whether household welfare improvements align with positive consumption patterns. |
| format | Thesis |
| id | oai:open.uct.ac.za:11427/42271 |
| institution | University of Cape Town (South Africa) |
| language | English eng |
| last_indexed | 2026-06-10T12:34:27.383Z |
| license_str | Not specified — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UCTD — University of Cape Town Open Access Repository |
| publishDate | 2025 |
| publishDateRange | 2025 |
| publishDateSort | 2025 |
| publisher | School of Economics |
| publisherStr | School of Economics |
| record_format | dspace |
| source_str | UCTD — University of Cape Town Open Access Repository |
| spelling | oai:open.uct.ac.za:11427/42271 The impact of mobile money on Rwandan household consumption Cedras, Joshua Hollander, Hylton Rwanda Mobile Money Research on consumption patterns in developing countries shows that precautionary savings behaviour is common. This is driven by high-risk exposure to natural and economic shocks, and a lack of formal insurance mechanisms among rural farming households. The spread of mobile phones has introduced mobile money, which offers new financial opportunities to marginalized groups. This study examines mobile money's impact on consumption in Rwanda, using data from the Rwanda FinScope 2020 Survey. It applies probabilistic models and an instrumental variable approach to explore the relationship between mobile money use and consumption. The study finds that mobile money is financially inclusive and increases the likelihood of higher consumption among households. Remittances, representing financial flows between households, are key to this increased consumption smoothing. The findings suggest further research is needed to investigate whether household welfare improvements align with positive consumption patterns. 2025-11-19T08:44:25Z 2025-11-19T08:44:25Z 2025 2025-11-19T08:39:20Z Thesis / Dissertation Masters MCom http://hdl.handle.net/11427/42271 en eng application/pdf School of Economics Faculty of Commerce University of Cape Town |
| spellingShingle | Rwanda Mobile Money Cedras, Joshua The impact of mobile money on Rwandan household consumption |
| thesis_degree_str | Master's |
| title | The impact of mobile money on Rwandan household consumption |
| title_full | The impact of mobile money on Rwandan household consumption |
| title_fullStr | The impact of mobile money on Rwandan household consumption |
| title_full_unstemmed | The impact of mobile money on Rwandan household consumption |
| title_short | The impact of mobile money on Rwandan household consumption |
| title_sort | impact of mobile money on rwandan household consumption |
| topic | Rwanda Mobile Money |
| url | http://hdl.handle.net/11427/42271 |
| work_keys_str_mv | AT cedrasjoshua theimpactofmobilemoneyonrwandanhouseholdconsumption AT cedrasjoshua impactofmobilemoneyonrwandanhouseholdconsumption |