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Intro -- TABLE OF CONTENTS -- Acknowledgments -- 1. Introduction -- Description of the Study -- Main Findings -- Policy Implications -- 2. Sources of Income-An Overview -- Public and Private Formal Transfers -- Formal Private Social Flows -- Formal Private Organizations -- Informal Income -- 3. Informal Inter-household Flows -- Informal Inter-household Flows by Category -- Maps of Inter-household Transfers -- 4. Who Participates in Informal Transactions? -- Household Welfare -- Household Characteristics -- Social Capital -- Inter-household Flows: Multivariate Tests -- 5. Social Capital, Local Governance, and Empowerment of the Poor -- Social Capital and Access to Resources-The Case of Triple Exclusion? -- Social Capital, Local Governance, and Public Assistance -- Social Capital and Quality of Public Service Delivery -- Decentralization and Local Government Efficacy -- 6. Policy Implications -- Appendices -- A -- B -- C -- References.