This paper argues that the level of financial services provision determines the risk management strategies among the poor. The paper estimates the determinants of the household's use of one, two or all three types of microfinancial services applying ordered probit models and additionally probit...

This paper estimates an earnings function for Sri Lanka, followed by a decomposition analysis of male-female earnings suggest that the gender disparity in earnings largely represents "discrimination" against women. The findings showed that irrespective of their "inferior" labour market...