Relevant bibliographies by topics / Determinants of household savings

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Academic literature on the topic 'Determinants of household savings'

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Published: 4 June 2021
Last updated: 1 February 2022

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Journal articles on the topic "Determinants of household savings"

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Ruranga, Charles, and Scott Hacker. "The Determinants of Households Having Savings Accounts in Rwanda." Rwanda Journal of Social Sciences, Humanities and Business 1, no. 1 (August 5, 2020): 6–19. http://dx.doi.org/10.4314/rjsshb.v1i1.2.

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This paper analyses the determinants of Rwandan households having savings accounts using Integrated Household Living Conditions Survey (IHLCS) data of 2010/11. After a background discussion and literature review an empirical analysis is presented with different variables adopted and analysed as determinants of household’s head having savings accounts. Poverty level, age, gender, residential area and level education of household head (literate or not) were considered as independent variables of the study. Findings from the estimations of logit models indicate the likelihood of a household having a savings account is positively and significantly related to each of the following: non-poor status of the household,the household residing in an urban area, the household head being male, and the household head being literate. Having the household head be literate tends to be more important for younger household heads and for non-poor households. The proportion of households having money in a savings account more than doubled over the decade between the IHLCS 2000/2001 survey and the IHLCS 2010/2011 survey. Government policies on savings and poverty reduction may explain the trend of increased cash balances in saving accounts. Key Words: Savings, Bank Accounts, Households, Determinants,
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Chua, Nina Ellorah A., Shaira Kasey L. Kiong, Kristine Honey M. Villa, and Ronald B. Paguta. "A Tobit Analysis of the Determinants and Potentials of Savings in the Case of Payatas Households." Information Management and Business Review 8, no. 3 (July 31, 2016): 47–57. http://dx.doi.org/10.22610/imbr.v8i3.1331.

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This case study aims to identify the factors affecting household savings in the Area B of Payatas, Quezon City. Particularly, the variables included in the analysis are economic expectations, homeownership, household consumption, household debt, household disposable income, and number of dependents in the household. This paper also aims to analyze the saving potentials of households in Payatas. A total of 422 conditionally and randomly selected households were interviewed through a guided survey questionnaire. The researchers utilized Tobit regression and computed for the conditional marginal effects for both the censored and truncated sample. The results of the study were divided into three: Tobit regression results, conditional marginal effects results on all respondents, and the conditional marginal effects results on household savers. Significant variables such as economic expectations and household disposable income were found to be positively related to household savings, and household consumption was negatively related to household savings. This case study shows that Payatas B households do have saving potentials irrespective of their low income showing high request for accessibility on formal saving institutions.
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Szopiński, Tomasz. "THE DETERMINANTS OF HOUSEHOLD SAVINGS IN POLAND." Acta Scientiarum Polonorum. Oeconomia 16, no. 2 (June 30, 2017): 117–25. http://dx.doi.org/10.22630/aspe.2017.16.2.24.

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The relevant literature provides an array of factors determining the propensity of households to save. There is no unanimity among researchers as to the direction of statistical relationships among some variables such as, e.g. household income, the place of residence or concerns regarding the worsening of financial circumstances, and a household’s propensity to save. The aim of this article is to verify the statistical relationships between the amount of savings of Polish households and their attributes, such as: income, biological type of the family, and the size of the place of residence. The author of the article analyses the responses provided by Polish households with regard to the size of their savings measured as a multiple of their income. The data under analysis were collected during a panel study Diagnoza społeczna 2015 (ang. Social Diagnosis 2015). Higher earnings were accompanied by higher levels of savings. It was more common for households from bigger cities to have higher earnings. Taking into consideration the biological type of the family, childless marriages and people, who lived alone, declared having the highest savings.
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Wierzbicka, Ewa. "DETERMINANTS OF INCREASING HOUSEHOLD SAVINGS IN POLAND." Zeszyty Naukowe Wyższej Szkoły Humanitas Zarządzanie 19, no. 4 (December 31, 2018): 61–77. http://dx.doi.org/10.5604/01.3001.0013.1642.

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Research carried out, among others ordered by the Polish Bank Association, indicate untapped potential savings for Polish society. The aim of the article is to present the reasons for a low propensity to save households, as well as to identify factors and motives that decide about saving, and to suggest directions for actions to increase the propensity to save, especially long-term. The author limits her considerations to voluntary savings of households, not responding to the compulsory saving for pension purposes resulting from the social insurance system. Accumulation of savings is of great importance not only at the micro level but also for the entire economy, because it is internal, domestic source of financial capital. Long-term savings, which stabilize the financial system and may have an impact on reducing the costs of servicing public debt and changing its structure, limiting the participation of foreign investors, are particularly important. The greater the propensity to save, the more national resources may beminvested in the polish economy. Moreover, the shortage of domestic savings is not only a serious challenge for bank risk management due to the need to top up the missing domestic capital with foreign funds. The deficiency of domestic savings in relation to the needs of the economy and the state also increases the systemic risk of the national economy and country.
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A. Burney, Nadeem, and Ashfaque H. Khan. "Socio-economic Characteristics and Household Savings: An Analysis of the Households' Saving Behaviour in Pakistan." Pakistan Development Review 31, no. 1 (March 1, 1992): 31–48. http://dx.doi.org/10.30541/v31i1pp.31-48.

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Domestic resource mobilization is one of the key determinants of sustained economic growth. Pakistan's perfonnance with regard to domestic resource mobilization has been poor despite maintaining a respectable economic growth rate. Why is the savings rate so low in Pakistan? In this paper we analyse the household savings behaviour in Pakistan, using micro level data of the Household Income and Expenditure Survey (HIES) for the year 1984-85. Three different non-linear savings functions attributed to Keynes, Klein, and Landau are estimated separately for the urban and the rural households, using the Ordinary Least Squares (OLS) technique. It is found that the average income and saving of an urban household are considerably higher than those of overall Pakistan or a rural household. However, contrary to the general belief, it is found that the propensity to save of the rural households is much higher than that of their urban counterparts. The dependency ratio and the various categories of education are found to have a negative influence on household savings. No systematic relationship is found between savings and the employment status and occupation of the household head. It is found, however, that saving increases with age but tends to decline when the age crosses a certain limit - a finding consistent with the Life Cycle Hypothesis.
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Zwane, Talent, Lorraine Greyling, and Mokadi Maleka. "The Determinants Of Household Savings In South Africa: A Panel Data Approach." International Business & Economics Research Journal (IBER) 15, no. 4 (June 30, 2016): 209–18. http://dx.doi.org/10.19030/iber.v15i4.9758.

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This study employs panel data estimation models to investigate the determinants of household savings in South Africa over the period 2008 – 2012. The novelty of some panel data models is their power to overcome the problems of endogeneity bias, in addition to controlling for unobserved heterogeneity across households. The study used the three waves of the new unique and rich first national representative longitudinal survey, the National Income Dynamics Study (NIDS), which tracks changes in individuals’ livelihoods over time. The distinctiveness of NIDS data is that it is available in a panel format and can be used to investigate the structure and impact of different aspects of socio-economic factors on household savings. The results of this study reveal that household savings in South Africa are strongly driven by income, age structure, education achievement and employment status. Yet the causal nexus between savings and the household size was found to be negative, a sign that larger families compromise households savings prospects.
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De Vos, Chantel, Lawrence Ogechukwu Obokoh, and Babatunde Abimbola Abiola. "Determinants of savings among non-Ricardian households in South Africa." International Journal of Social Economics 47, no. 11 (October 6, 2020): 1329–43. http://dx.doi.org/10.1108/ijse-11-2019-0692.

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PurposeThis paper examines the determinants of savings among low-income households, regarded as non-Ricardian households (NRHs), in South Africa. NRHs comprise low-income households largely depending on government welfare benefits for sustenance. This research investigates socio-economic factors determining savings pattern of low-income households in South Africa.Design/methodology/approachThe research makes use of the National Income Dynamics Study (NIDS) data set wave one to five. The longitudinal survey models are analysed in determining the socio-economic characteristics of NRH in South Africa. The estimators include Pooled ordinary least square (OLS), fixed and random effects methods.FindingsThe household grant contributes positively to the level of savings, but the savings level is still considerably low: majority of the low-income households have zero or negative savings. The average size of a NRH is about twice the size of the Ricardian, despite the NRHs’ debt burden impoverishing them.Research limitations/implicationsThe self-perpetuated poverty problem makes every factor in the vicious cycle both cause and effect of another factor, warranting reverse causality and threatening the reliability of Pooled OLS estimates for the research.Practical implicationsThe growing cost of government grant hinges on the increased level of inflation while largely depending on the number of households entering the low-income threshold.Social implicationsThe study recommends that the government creates a more enabling environment for NRHs to engage in productive activities. Also they create more low-skilled jobs and encourage reduction of birth rate among low-income households; this will reduce their expenditure and increase their level of savings and will assist in pulling them out of the vicious circle of poverty. Government can boost NRHs’ savings through increase in various grants.Originality/valueThe study makes significant contribution towards addressing the unfortunate situation of household savings among low-income brackets in South Africa. The research corroborates other studies on the effectiveness of the fiscal stimulus package to boost the welfare and savings condition of NRHs in South Africa. The result explicitly confirmed the redistribution policy of the grant to the low-income household. The grant has a significant positive effect on the savings pattern of the household. An increase in it beyond the poverty threshold could indeed break the vicious circle of poverty since the effect does not only stop at expenditure but also pass through to savings, which may ultimately boost investment. Further studies should continue the investigation of grant transmission channels to investment and income.Peer reviewThe peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-11-2019-0692
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Temel Nalın, Halime. "Determinants of household saving and portfolio choice behaviour in Turkey." Acta Oeconomica 63, no. 3 (September 1, 2013): 309–31. http://dx.doi.org/10.1556/aoecon.63.2013.3.3.

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This study investigates the determinants of Turkish households’ saving and portfolio choice behaviour for the period of 2002–2006. The dataset includes 59,855 households, of whom only 10,829 report to have saved and invested. Hence, we first estimate a logit model to identify the characteristics of the households that have saved. Next, we estimate a multinomial logit model where the investment alternatives for the households are real estate, gold, foreign exchange, bank accounts, capital market investments, and investing into own business. The factors affecting the portfolio choices are the variables representing various aspects of households’ demographic, socioeconomic and residential location characteristics. The inflation level nearly doubled during the study period in Turkey. Hence, we also analyse the effects of inflation on households’ saving and portfolio choice decisions. The results of our logit model support the view that the inflation can increase the household savings on condition that the other macroeconomic factors are constant. Furthermore, inflation is also found to increase the probability of investing in capital market instruments. Households’ incomes, education levels, occupation, place of residence (rural/urban), car ownership and household size are found to be significant variables in explaining the variation in households’ saving and portfolio choice behaviour.
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Niculescu-Aron, Ileana, and Constanţa Mihăescu. "Determinants of Household Savings in EU:What Policies for Increasing Savings?" Procedia - Social and Behavioral Sciences 58 (October 2012): 483–92. http://dx.doi.org/10.1016/j.sbspro.2012.09.1025.

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Nwosu, Emmanuel O., Charles N. Anumudu, and Chioma E. Nnamchi. "Microeconomic Determinants of Household Savings in Nigeria." Journal of International Development 32, no. 2 (September 3, 2019): 150–67. http://dx.doi.org/10.1002/jid.3440.

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Dissertations / Theses on the topic "Determinants of household savings"

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Fredriksson, Cajsa. "Determinants of household savings : An international cross-country analysis to detect the determinants of household savings." Thesis, Karlstads universitet, Handelshögskolan (from 2013), 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:kau:diva-79936.

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The purpose of this paper is to look into the determinants of household savings in an international cross-section. The focus is on the effects from social security, old-age dependency, participation rate and change in unemployment, among other variables as an addition to the disequilibrium saving hypotheses, which is the base theory for the savings function. The fixed-effect least square dummy variable method is used on panel data of 14 OECD countries over the time-span 2000 to 2018. The determinants that has a significant effect on household saving in the empirical result is unanticipated income; a positive sign supports the permanent-income hypothesis and the disequilibrium saving hypothesis. This means that individuals tend to save the transitory income. The next significant variable is the lagged savings rate, which indicates inactivity in the savings behavior. The change in the unemployment rate is also significant and the positive sign supports the uncertainty hypothesis, indicating that individuals tend to save for precautionary reasons. The last significant variable was social security and it had a negative effect on household savings; which is supported by the life-cycle hypothesis, and can indicate a wealth substitution effect or general confidence in the social security system.
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Huang, Peng. "Determinants of household saving in China." Master's thesis, Lincoln University. Commerce Division, 2006. http://theses.lincoln.ac.nz/public/adt-NZLIU20061202.004631/.

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It is a conventional wisdom that since the start of the Chinese economic reform in 1978, the domestic saving structure in China has changed significantly. Previous studies of household saving in China (for example: Qian, 1988, Feltenstein et al, 1990, and Wakabayashi and Mackellar, 1999) have usually relied upon the Keynesian absolute-income hypothesis, Duesenberry’s relative-income hypothesis, and Friedman’s permanent-income hypothesis. This thesis uses the Modigliani-Brumberg life-cycle hypothesis to examine the determinants of household saving behavior in the Peoples’ Republic of China during the period 1978 to 2003. The research uses modern cointegration techniques to examine the impact on saving rates of economic growth, age dependency, wealth, the real interest rate, social security payments and unemployment (as a proxy for income uncertainty). Autoregressive distributed lag models are constructed and tested. The results find that economic growth, the real interest rate and social security payments have the expected effect with significant parameters; age dependency has the expected sign but in one model is not statistically significant; and that unemployment is not significant. The most surprising result is that increases in household wealth are associated with increased saving rates, which may help explain very high economic growth rates in China post 1978.
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Moyo, Dambisa Felicia. "Essays on the determinants of components of savings in developing countries." Thesis, University of Oxford, 2002. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.270137.

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Chipote, Precious. "Determinants of household savings in South Africa: an econometric approach." Thesis, University of Fort Hare, 2013. http://hdl.handle.net/10353/d1015281.

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Savings play a crucial role in promoting economic growth through their effect on investments. In addition, savings cushion the economy against fluctuating international capital flows. In periods of low or fluctuating capital, domestic savings are essential to finance high levels of capital formation thereby leading to increased productivity and sustainable economic growth. In South Africa saving levels have been declining, particularly household savings. This has been a major cause of concern as low savings hinder economic growth. In light of this, the study explored the determinants of household savings in South Africa over the period 1990 to 2011 using quarterly data. Based on the review of the theoretical and empirical literature, particular attention was paid to the effects of age dependency ratio, the level of household income, inflation and real interest rate on household savings. Apart from informal graphical test, the study employed the Augmented Dickey-Fuller and Phillips Perron unit root tests to test for stationarity in the time series. To identify the long-run and short-run dynamics among the variables, the study used the Johansen co-integration and the Error Correction Mechanism. Results of the study indicated that age dependency ratio, inflation and real interest rate have a positive impact on household savings whilst income has a negative long run relationship with household savings. In addition, the findings revealed that income, inflation and real interest rate play a major role in determining household savings whereas age dependency ratio is insignificant. The study recommends that the government should employ a countercyclical fiscal policy to avoid the development of excessive current account deficits during periods of more rapid economic growth, rising investment and falling saving.
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Horáková, Marie. "Úspory českých domácností a jejich srovnání s vybranými zeměmi EU." Master's thesis, Vysoká škola ekonomická v Praze, 2012. http://www.nusl.cz/ntk/nusl-162582.

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This Master's thesis focuses on Czech household savings. It describes the most important traditional and alternative financial products used by Czech households. Next it reveals the reasons why Czech households are so conservative in their attitude to their financial means in comparison with other European countries. In the last part of this thesis the most important determinants of household savings are identified and with the help of correlation coefficient the intensity of correlation between gross household savings and their determinants is explored.
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De, Vos Chantel. "Determinants of savings and investment among low-income households in South Africa." Thesis, Cape Peninsula University of Technology, 2019. http://hdl.handle.net/20.500.11838/3001.

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Thesis (MTech (Cost and Management Accounting))--Cape Peninsula University of Technology, 2019
This study examined the determinants of savings and investment among low-income households in South Africa. Savings and investment play a significant role in improving living standard of people and also act as important factors for state survival in times of economic crises. The benefits of household savings and investment cannot be easily quantified, especially in achieving economic growth. Despite the numerous benefits, low income household savings and investments remain an issue that has characterised the lives of many low-income households in South African since post-apartheid. The study is based on Non-Ricardian Households (NRH) which comprises medium and high-income households, which are involved in the financial market, participate in buying bonds or stocks, and are classified as saving households. Non-Ricardian households comprise low-income households which largely depend on government welfare benefits for sustenance and are classified as the low savings and hence low-income households. The research used National Income Dynamics Study (NIDS) dataset wave one to five. Four different panel models were analysed in determining the socio-economic characteristics of NRH in South Africa. The panel estimators include Pooled OLS, fixed and random effects methods. The results show that households’ income, household size, household geographical local and household grants among others are major determinant of households’ savings and investment in South Africa. Government grants received by households have positive relationship with savings and negative relationship with investment. This is because the low-income households do not save to invest but save for delay consumption. The results have also showed the likelihood of government grants to household’s crowd out household investment as they over depend on the government for both present and future expenditure. The study recommends that government should create a more enabling environment for Non-Ricardian households to engage in productive activities and to also create more low skills jobs and encourage reduction of birth rate among low-income households.
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Ögren, Anton. "Determinants behind Household Saving Behavior : -Empirical analysis on 15 OECD countries." Thesis, Umeå universitet, Nationalekonomi, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-157920.

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This paper investigates the factors behind what determine household saving behaviour. Observing the persistence differences of household saving ratio in OECD countries, serves as the base for the empirical study. Taking stance from economic theory and previous papers to formulate the method and likely explanatory variables suitable for this study, a model is specified based on the theoretical and empirical discussions. The result of the empirical analysis estimation finds that the explanatory variables accomplish to explain some of the household saving behaviour. Confirming and expanding on the discussion on the theoretical and empirical discussions. Factors such as uncertainty and fiscal policy are found to have a significant effect on household saving, while failing to prove other established determinants, like demographic factors. Among other included factors considered.
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Latronico, Fernanda Rampim. "Planejamento e habitualidade são determinantes na poupança familiar?" reponame:Repositório Institucional do FGV, 2016. http://hdl.handle.net/10438/18698.

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Balance expenses of families, governments and companies can bring sustainability on medium and long term for Brazil. Therefore, comprehending what could bring it to a balance, analyzed by the household savings, could be the base to form public policies strategies. In the light of this work, a sample of actual financial movement of users of the financial control application Minhas Economias was analyzed, for appointing which characteristics and behaviors of a individual could impact its savings rate, considering the hypothesis that planning and habituality could imply higher savings rates. Some of the results are in line with the theories of Dholakia et al. (2016) and Shefrin & Thaler (1988), attesting that habituality and planning could impact the families savings rate. Furthermore, it was possible to conclude that income and expenses, as well as its standard deviations, also generate, in level, significant statical impact over the savings rate. Furthermore, it was possible to conclude that income and expenses, as well as its standard deviations, also generate, in level, significant statical impact over the savings rate. However, longitudinal analysis showed that planning, measured by the dummy variable budget, loses significance. That fact can be explained due to the non-observable effects (fixed characteristics of each individual), and as it is controlled, the dummy has no longer an effect. Therefore, the budget can reveal something peculiar in the individual and that, certain way, is controlled in the panel.
Equilibrar os gastos das famílias, governos e empresas pode trazer sustentabilidade no médio e longo prazo para o Brasil. Desta forma, compreender o que pode levar a um equilíbrio, analisado pela poupança familiar, pode ser a base para formar estratégias de políticas públicas. Para a realização do trabalho, portanto, uma amostra de movimentação financeira real de usuários do aplicativo de controle financeiro Minhas Economias foi analisada, levando a entender quais características e comportamentos de um indivíduo podem impactar a sua taxa de poupança, trabalhando com a hipótese que planejamento e habitualidade podem fazer com este tenha maiores taxas de poupança. Alguns dos resultados obtidos corroboraram com as teorias de Dholakia et al. (2016) e Shefrin & Thaler (1988), que a habitualidade e planejamento podem impactar a taxa de poupança das famílias. Além disso, foi possível concluir que receitas e despesas, bem como seus desvios padrão, também geram impacto estatisticamente significativo sobre a taxa de poupança em nível. No entanto, quando da análise longitudinal observou-se que o planejamento, medido pela variável dummy orçamento, perde significância. Tal fato pode ter se dado devido aos efeitos não observáveis (características fixas de cada indivíduo), e ao haver controle sobre isso, a dummy não possui mais efeito. Desta forma, o orçamento pode revelar algo que está no indivíduo e que no painel é de certo modo controlado.
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Klein, Sean Patrick. "Household savings and portfolio choice." Thesis, Massachusetts Institute of Technology, 2010. http://hdl.handle.net/1721.1/58182.

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Thesis (Ph. D.)--Massachusetts Institute of Technology, Dept. of Economics, 2010.
Cataloged from PDF version of thesis.
Includes bibliographical references.
This thesis consists of three essays that examine household savings and portfolio choice behavior. Chapter One analyses the effects of employer matching contributions and tax incentives on participation and contribution behavior in employer-sponsored 401(k) savings plans. Employer sponsored retirement savings plans consist of several different incentives designed to increase employee savings, including matching contributions, tax deductibility, and tax free compounding. There is a substantial literature on the effects of match rates on retirement savings, but little on the effects of preferential tax treatment. This chapter provides estimates of the impact of employer matching and tax deductibility on retirement savings using a uniquely suited dataset from a large United States Corporation. I estimate that the effect of a one percentage point change in the match rate corresponds to a 0.06 percentage point increase in savings plan participation rates, while a similar one percentage point increase in marginal tax rates increases participation by 1.35 percentage points. Changes in the match rate have an insignificant effect on contribution rates (conditional on participation), though a one percentage point change in marginal tax rates tends to increase contribution rates by 0.16 percentage points. The effects of the match rate and marginal tax rate are transformed into changes in the annualized rate of return of the savings plan and this disparity remains.
(cont.) Finally, these estimates are used to calculate the changes in wealth at retirement due to changes in match rates and marginal tax rates under a variety of parameterizations. Chapter Two examines the trading and contribution behavior of employees participating in the 401(k) plan at a large United States corporation. This corporation offers employer matching contributions in company stock, and employees are prohibited from trading the matching contributions for an extended period. The empirical work details evidence of rebalancing behavior that is impacted by vesting restrictions and within-firm variation in match rates. Employees are between 3 and 7 percentage points more likely to rebalance their retirement portfolio once matching contributions have fully vested, and an additional 6 to 11 percentage points more likely if they face a 100% match rate relative to a 50% match rate. Variation in match rates also leads to changes in composition of employee contributions: increases in the match rate lead to decreases in the amount of company stock that the employee purchases with their own funds. Employees are between 13 and 19 percentage points less likely to contribute their own income to the matched asset and, if they still contribute to company stock, the employee's own-money contributions in company stock fall by between 13 and 18 percentage points. Together, these estimates provide evidence that employee contribution and rebalancing behavior is altered by asset-specific matching contributions and by restrictions on the trade of particular assets.
(cont.) Chapter Three uses data from multiple panels of the Survey of Income and Program Participation to identify the effect of unemployment insurance benefits on household savings behavior. This chapter extends existing literature on precautionary savings and insurance to allow for the fact that insurance benefits are multi-dimensional, including replacement rates and benefit durations; incorporates additional econometric methods to accommodate the skewness and variation in household savings; allows for heterogeneous savings responses based on the likelihood of the insured risk through a two-step estimation procedure; and by allowing insurance benefits to affect the level and composition of assets by analyzing changes in the composition of the household's portfolio across assets that are likely (or unlikely) to represent precautionary savings. I find suggestive evidence of quantitatively large reductions in precautionary savings behavior in response to variation in both replacement rates and benefit durations, though these results are not statistically distinguishable from zero. The negative effect of benefit increases on savings is magnified for households at greater risk of unemployment, and for the households with below median levels of financial wealth, though again these results are statistically insignificant once standard errors are properly adjusted. These extensions do not provide enough power to detect savings responses to variation in insurance benefits at standard levels of confidence, despite point estimates that represent economically large responses.
by Sean Patrick Klein.
Ph.D.
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Persson, Sanna, and Jerry Pettersson. "The connection between household savings ratio and human development index : Which factors affect the household savings ratio?" Thesis, Linnéuniversitetet, Institutionen för ekonomistyrning och logistik (ELO), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-87939.

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This thesis investigates which factors affecting savings behavior by using a fixed effect regression model. To see what affects the household savings rate the following independent variables is considered: Natural logarithm of trend per capita income, natural logarithm of deviation from trend per capita income, growth of disposable income, real interest rate, inflation, wealth in relation to household disposable income, foreign savings in relation to disposable income, dependency ratio and human development index. To see whether changes of human development within a county impacts the household´s savings ratio this variables was included in a separate regression. To avoid possible biasedness from ordinary least square, a panel data technique called fixed effect regression model is used. The investigated time period is between year 1999 and 2016 and to make a restriction, variables from 25 developed countries were studied. The involved economic theories in this work are Keynesianism, permanent income hypothesis and the savings theory behind Maslow´s behavioral pyramid. The result made by using this study is that growth in income and foreign savings in relation to disposable income is insignificant and can´t be used in explaining the differences between household´s savings. Human development index within a country has a negative effect on the savings ratio but a conclusion regarding whether changes in HDI´s does affect savings can´t be made and more research within that field is needed.
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Books on the topic "Determinants of household savings"

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Horioka, Charles. The determinants of household saving in China: A dynamic panel analysis of provincial data. Cambridge, Mass: National Bureau of Economic Research, 2006.

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D, Muraleedharan. Savings mobilisation in household sector. Delhi: Authors Press, 2003.

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Denizer, Cevdet. Household savings in transition economies. Cambridge, MA: National Bureau of Economic Research, 1998.

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Chete, Louis N. Macroeconomic determinants of private savings in Nigeria. Ibadan: Nigerian Institute of Social and Economic Research, 1999.

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Obwona, Marios. Nature and determinants of domestic savings in Uganda. Kampala, Uganda: EPRC, 1995.

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Fund, International Monetary. Urban and rural household savings in China. Washington, D.C: International Monetary Fund, 1988.

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Lall, Simik V. Household savings and residential mobility in informal settlements. [Washington, D.C: World Bank, 2005.

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Rahman, Rushidan Islam. Rural households' attitude towards savings and demand for savings services. Dhaka: Save the Children (USA), 1998.

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Bill, David. Practical home energy savings. Snowmass, CO (1739 Snowmass Creek Rd., Snowmass 81654-9199): The Institute, 1991.

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Mengesha, Yishak. Determinants of national savings in Sub-Saharan Africa (SSA) countries. [s.l.]: typescript, 1992.

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Book chapters on the topic "Determinants of household savings"

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Cristadoro, Riccardo, and Daniela Marconi. "Urban and Rural Household Savings in China: Determinants and Policy Implications." In The Chinese Economy, 101–35. Berlin, Heidelberg: Springer Berlin Heidelberg, 2012. http://dx.doi.org/10.1007/978-3-642-28638-4_6.

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Edison, Hali. "Household Savings in Japan." In Japan's Economic Revival, 31–43. London: Palgrave Macmillan UK, 2008. http://dx.doi.org/10.1057/9781137001603_3.

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Grossbard, Shoshana, and Alfredo M. Pereira. "Savings, Marriage, and Work-in-Household." In The Marriage Motive: A Price Theory of Marriage, 191–209. New York, NY: Springer New York, 2014. http://dx.doi.org/10.1007/978-1-4614-1623-4_11.

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Clodic, D., and M. Ben Yahia. "Last Progresses for Energy Savings for Domestic Refrigerators." In Energy Efficiency in Household Appliances, 539–46. Berlin, Heidelberg: Springer Berlin Heidelberg, 1999. http://dx.doi.org/10.1007/978-3-642-60020-3_61.

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Coile, Courtney C. "Economic Determinants of Workers’ Retirement Decisions." In A Collection of Reviews on Savings and Wealth Accumulation, 271–96. Hoboken, NJ, USA: John Wiley & Sons, Inc., 2016. http://dx.doi.org/10.1002/9781119158424.ch10.

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Stamminger, Rainer. "20% Less Energy on Washing Machines: How Were the Savings Achieved?" In Energy Efficiency in Household Appliances and Lighting, 48–57. Berlin, Heidelberg: Springer Berlin Heidelberg, 2001. http://dx.doi.org/10.1007/978-3-642-56531-1_10.

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Kostecki, Michel, Wiktor Kisiel, and Ewa Bogacka-Kisiel. "Determinants of the Line Span of Household Equipment." In The Durable Use of Consumer Products, 105–12. Boston, MA: Springer US, 1998. http://dx.doi.org/10.1007/978-1-4757-2819-4_10.

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Khan, Azizur Rahman. "The Determinants of Household Income in Rural China." In The Distribution of Income in China, 95–115. London: Palgrave Macmillan UK, 1993. http://dx.doi.org/10.1007/978-1-349-23026-6_4.

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Sharma, Arun Kumar, and Rohini Dutta (Ghosh). "Determinants of child survival at the household level." In Contemporary Issues in Sustainable Development, 253–71. Abingdon, Oxon ; New York, NY : Routledge, 2020.: Routledge India, 2020. http://dx.doi.org/10.4324/9781003141020-18.

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Li, Xiang, and Yuan-yuan Wang. "Study on Household Savings Prediction Based on Support Vector Machine." In Advances in Mechanical and Electronic Engineering, 321–27. Berlin, Heidelberg: Springer Berlin Heidelberg, 2012. http://dx.doi.org/10.1007/978-3-642-31516-9_52.

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Conference papers on the topic "Determinants of household savings"

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Şengül, Seda, and Mahir Fisunoğlu. "Women's Poverty In Turkey." In International Conference on Eurasian Economies. Eurasian Economists Association, 2014. http://dx.doi.org/10.36880/c05.01065.

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Poverty is a persisting problem in the world. Therefore an examination of the women poverty is a very important field. Women living in poverty are increased as a following reason: 1) a growth of female-headed households, 2) intra-household inequalities and bias against women. For this reason the alleviation of poverty requires determining the women poverty levels. The data used in this study is obtained from the project on Household Income, Consumption, Saving Behavior and Poverty Level in Adana Province conducted the authors of this study and financed by Scientific and Technological Research Council of Turkey. Probit model is used for determining the women poverty in Turkey. The results of this study are described the women poverty levels in Turkey based on the determinants of poverty on some socio- demographic characteristics of female-headed households. In the light of findings some policy prescriptions will be determined for reducing deprivation and vulnerability of women poverty and intra-household inequalities in Turkey.
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İpek, Egemen, and Ozlem Sekmen. "HOUSEHOLD SAVINGS IN TURKEY: EVIDENCE FROM MICRODATA." In 23rd International Academic Conference, Venice. International Institute of Social and Economic Sciences, 2016. http://dx.doi.org/10.20472/iac.2016.023.040.

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Wang, Peizhi, and Gelin Pang. "Empirical Analysis on Factors of China's Household Savings." In 2011 International Conference on Management and Service Science (MASS 2011). IEEE, 2011. http://dx.doi.org/10.1109/icmss.2011.5999257.

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Luttrell, Jeff, and Dereje Agonafer. "Solar Assisted Household Clothes Dryer." In ASME 2010 4th International Conference on Energy Sustainability. ASMEDC, 2010. http://dx.doi.org/10.1115/es2010-90095.

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Energy savings for domestic appliances have been an emphasis for several years. The efficiencies of several appliances have improved dramatically as a result of this attention. Refrigerator, water heater, and washing machine energy consumptions have been reduced. One appliance has not experienced significant improvement, the clothes dryer. Typical household clothes dryers use large amounts of electricity or natural gas to heat air that is circulated with the clothes. The energy to heat the air is a function of the amount of air and heat needed to remove moisture from the clothes. Using solar heat to augment or replace the other energy sources can provide significant energy savings. Conventional house construction includes features which collect and concentrate solar energy in the air occupying the attic space. Typical home design provides a roof which functions as a large area solar energy collector. Many roofing materials have solar absorption of 80% or more. Insulation of the roof decking is uncommon so that absorbed solar heat conducts through and heats the attic air. Through simple, low-cost ducting and minor modification of a clothes dryer air inlet, this energy resource becomes available for use. This study evaluates the potential energy savings of using solar-heated attic air as a clothes dryer air source. Considering house construction as well as seasonal and regional climate variations, attic air can augment and may fully replace utility energy as the heat source for drying air during daylight hours when solar energy is incident on the roof. The energy savings can be up to 3.5 kilowatt hours (or the heating equivalent for natural gas) for each dryer load.
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Liu, Yan, Yongxiang Wu, and Xiaoyuan Wang. "The Determinants of Household Housing Affordability in Chengdu, China." In International Conference on Construction and Real Estate Management 2017. Reston, VA: American Society of Civil Engineers, 2017. http://dx.doi.org/10.1061/9780784481073.010.

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Akkuş, Ömer, Atakan Durmaz, and Fatih Okur. "DETERMINANTS OF SAVINGS: THE CASE OF DEVELOPED AND DEVELOPING COUNTRIES." In 2nd International Scientific Conference - Economics and Management: How to Cope With Disrupted Times. Association of Economists and Managers of the Balkans, Belgrade, Serbia; Faculty of Management Koper, Slovenia; Doba Business School - Maribor, Slovenia; Integrated Business Faculty - Skopje, Macedonia; Faculty of Management - Zajecar, Serbia, 2018. http://dx.doi.org/10.31410/eman.2018.957.

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Nikolovska Vrateovska, Dance, Keti Nikoloska, and Snezhana Mojsoska. "Household Savings in The Republic of North Macedonia - Seven Years Later." In 5th International Scientific Conference 2021. University of Maribor Press, 2021. http://dx.doi.org/10.18690/978-961-286-464-4.3.

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It has been scientifically proven that the process of financial market development involves strengthening of the financial system preceded by simple capital accumulation which in turn is closely related to the savings rate. The higher the level of financial development, the greater the financial intermediation and the economic growth. Financial development reduces inequality and poverty by super-proportionately accelerating the growth of emerging countries and implying a reduction of inequality in the world. This paper expands the time frame of the analysis in the research conducted in 2012 of a statistical sample of 1250 respondents. Based on new data seven years later and using the previously defined variables on the same size of the statistical sample, this study aims not only to confirm the basic thesis that in the Republic of North Macedonia savings (as the main source of financing domestic banks) are still at a low level, and that the examined variables which are directly proportional to savings generally have a downward trend but it also aims to emphasize the strong impact on (mis)trust in financial institutions, related to savings. Hence, this paper will note proposed measures to increase the level of savings.
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Aseinov, Dastan, Burulcha Sulaimanova, and Kamalbek Karymshakov. "Determinants of Capital Formation of Smallholder Farmers in Kyrgyzstan." In International Conference on Eurasian Economies. Eurasian Economists Association, 2018. http://dx.doi.org/10.36880/c10.02032.

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Capital formation is crucial to increase output volume and quality in agricultural production activity of households. This study examines factors affecting capital formation of smallholder farmers in Kyrgyzstan ranging from household characteristics to location of farmers. Along with other traditional potential constraints that may have impact on capital formation, we examine the role of social network activities. These expenditures on customs and traditions may have both negative and positive effects on the capital formation in agriculture. Our empirical analysis is based on the cross-sectional household survey data for 2013. According to our findings, the amount of physical assets of households in Kyrgyzstan mainly depends on the share of expenses on customs and traditions, the total income, gender differences and the ethnicity of the head of household.
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Liang Miao and Zhu Zhengxuan. "Household savings rates and housing prices in China—Based on cohort analysis." In 2017 14th International Conference on Service Systems and Service Management (ICSSSM). IEEE, 2017. http://dx.doi.org/10.1109/icsssm.2017.7996237.

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Yang, Xingmin, Ruicheng Yang, and Qiang Lv. "Analysis and Prediction on Household Savings in China Based on ARIMA Model." In 2011 International Conference on Management and Service Science (MASS 2011). IEEE, 2011. http://dx.doi.org/10.1109/icmss.2011.5999261.

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Reports on the topic "Determinants of household savings"

1

Horioka, Charles Yuji, and Junmin Wan. The Determinants of Household Saving in China: A Dynamic Panel Analysis of Provincial Data. Cambridge, MA: National Bureau of Economic Research, December 2006. http://dx.doi.org/10.3386/w12723.

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Hut, Stefan, and Emily Oster. Changes in Household Diet: Determinants and Predictability. Cambridge, MA: National Bureau of Economic Research, August 2018. http://dx.doi.org/10.3386/w24892.

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Denizer, Cevdet, and Holger Wolf. Household Savings in Transition Economies. Cambridge, MA: National Bureau of Economic Research, March 1998. http://dx.doi.org/10.3386/w6457.

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Chamon, Marcos, Kai Liu, and Eswar Prasad. Income Uncertainty and Household Savings in China. Cambridge, MA: National Bureau of Economic Research, December 2010. http://dx.doi.org/10.3386/w16565.

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Calvet, Laurent, and Paolo Sodini. Twin Picks: Disentangling the Determinants of Risk-Taking in Household Portfolios. Cambridge, MA: National Bureau of Economic Research, April 2010. http://dx.doi.org/10.3386/w15859.

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Tyutyunnikova, Tatyana Igorevna. Indicators of household savings in the life-cycle aspect. LJournal, 2019. http://dx.doi.org/10.18411/financialeconomy-2019-4-304-306.

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Frisancho, Verónica. How to Raise Household Savings in LAC: Constraints and Best Practices. Inter-American Development Bank, April 2016. http://dx.doi.org/10.18235/0000285.

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Banerjee, Abhijit, Xin Meng, Tommaso Porzio, and Nancy Qian. Aggregate Fertility and Household Savings: A General Equilibrium Analysis using Micro Data. Cambridge, MA: National Bureau of Economic Research, April 2014. http://dx.doi.org/10.3386/w20050.

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Baugh, Brian, Itzhak Ben-David, and Hoonsuk Park. Disentangling Financial Constraints, Precautionary Savings, and Myopia: Household Behavior Surrounding Federal Tax Returns. Cambridge, MA: National Bureau of Economic Research, January 2014. http://dx.doi.org/10.3386/w19783.

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Bodenhorn, Howard. Finance and Growth: Household Savings, Public Investment, and Public Health in Late Nineteenth-Century New Jersey. Cambridge, MA: National Bureau of Economic Research, May 2017. http://dx.doi.org/10.3386/w23430.

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