UBC Faculty Research and Publications

Linking mobile money networks to “e-ROSCAs” : An experimental study Francois, Patrick; Squires, Munir


We present results from a study in the Democratic Republic of the Congo that uses mobile money networks to run rotating savings and credit associations (ROSCAs), peer-to-peer finance groups ubiquitous across the developing world. We find high rates of contribution and ROSCA success. The unexpected success of such e-ROSCAs and their potential to extend banking to the bankless poor necessitate further exploration.

Item Citations and Data


Attribution 4.0 International