Poverty, Rural Financial Institution Building and Gender Sensitive Demand Analysis in the North-West and West Province of Cameroon

Schrieder, Gertrud

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Title:	Poverty, Rural Financial Institution Building and Gender Sensitive Demand Analysis in the North-West and West Province of Cameroon
Author:	Schrieder, Gertrud
Year:	2000
Periodical:	Savings and Development
Volume:	24
Issue:	1
Period:	January
Pages:	95-110
Language:	English
Geographic term:	Cameroon
Subjects:	gender relations finance informal sector rural poverty Economics and Trade economics Development and Technology
External link:	https://www.jstor.org/stable/25830716
Abstract:	Cameroon's financial market shows the dualistic structure of an informal and formal sector. Research on informal financial markets revealed that particular traits exist that distinguish them from their formal counterparts. From the 1980s onwards, rural financial institutionbuilding started to adopt instruments of informal financial intermediaries to strengthen their performance. Despite this, many programmes failed. This paper argues that the adoption of financial instruments in the informal market ought to be complemented by a forward analysis of households' requirements profiles for financial services. Conjoint analysis provides a powerful method to predict client preferences and demand for financial service profiles, and to involve the target group already in the pre-marketing phase of the financial institutionbuilding process. The paper presents econometric results of an innovative Conjoint analysis application in the context of a preference analysis in the developing rural economy of Cameroon. Interviews were conducted in 1992 in seven villages. The paper identifies the demand for specific service profiles and formulates policies oriented towards rural financial market development. Particular stress is laid on demand aspects in financial intermediation that relate to food security, thus, emphasizing rural women's demand structure. Bibliogr., notes, ref., sum. in English and French.