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Artigos de revistas sobre o tema "Household Savings"

Autor: Grafiati

Publicado: 4 de junho de 2021

Última modificação: 25 de julho de 2025

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1

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 (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 havin

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2

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 (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

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3

Marcinkiewicz, Edyta. "Does the retirement saving motive foster higher savings? The evidence from the Polish household survey." Business and Economic Horizons 14, no. 1 (2018): 85–96. https://doi.org/10.15208/beh.2018.7.

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This study focuses on the role of the retirement motive for saving behaviour. It examines empirically the research hypothesis that controlling for a set of economic and sociodemographic individual characteristics, households reporting the retirement motive are more likely to have higher savings compared to households driven exclusively by other motives of saving. Micro data from the three waves (2011, 2013 and 2015) of the Polish household survey Social Diagnosis is used for the study. In an ordered logistic regression framework it proves that the old age saving motive is a significant predict

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4

Efriyani Sumastuti. "Assessing Household Financial Behavior During COVID-19: A Focus on Expenditure and Savings." Daengku: Journal of Humanities and Social Sciences Innovation 4, no. 5 (2024): 909–19. http://dx.doi.org/10.35877/454ri.daengku3021.

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This study aims to investigate the effects of the COVID-19 pandemic on household expenditure, savings, and financial behavior in low- to middle-income households in Indonesia. The research analyzes how the pandemic influenced household financial management, particularly in terms of spending reductions and shifts in saving behaviors. Data were collected from 100 households through structured surveys, and the analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM). The methodology allowed for both direct and indirect relationships between household expenditure,

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5

Shkvarchuk, L., and R. Slav’yuk. "ASSESSMENT OF THE RELATIONSHIPS BETWEEN ECONOMIC GROWTH AND SAVINGS." Journal of Lviv Polytechnic National University. Series of Economics and Management Issues 7, no. 1 (2023): 86–95. http://dx.doi.org/10.23939/semi2023.01.086.

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Purpose. The purpose of this study is to develop the evaluation characteristics of the relationship between household savings decisions and macroeconomic growth in order to form a base of identification parameters of effective household financial behavior. Design/methodology/approach. In the article, the authors used the literature review method to justify the importance of implementing the problem of the relationship between savings and economic growth. Based on the trends analysis the authors identified the main features of households’ saving changes during last 17 years, their relationships

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Ahvenniemi, Hannele, and Tarja Häkkinen. "Households’ potential to decrease their environmental impacts." International Journal of Energy Sector Management 14, no. 1 (2020): 193–212. http://dx.doi.org/10.1108/ijesm-02-2019-0009.

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Purpose The purpose of this paper is to quantify the potential levels of greenhouse gas (GHG) and cost savings from a set of households’ energy saving measures, considered as “everyday choices”. Design/methodology/approach Four areas of living were selected for the study: household electricity, space heating, transport and food consumption. The study used a quantitative research approach in which the impact of selected scenarios of an average Finnish household was assessed. Findings Findings suggest that GHG savings from behavioural change regarding household electricity remain marginal in com

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7

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 (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

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8

Haider, Sajid, Munir Ahmed, Carmen de Pablos, and Aasma Latif. "Household Characteristics and Saving Motives." International Journal of Applied Behavioral Economics 7, no. 1 (2018): 35–52. http://dx.doi.org/10.4018/ijabe.2018010103.

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The main objective of this study was to examine the likelihood of household savings in relation to their characteristics, and analyze whether households move to upper level in hierarchy of saving motives as described in Maslow's Hierarchy of Needs Theory. This research used primary data by using a questionnaire with six categories of saving motives—daily expenses, emergency motives, major purchases, retirement, children, and investment. Multinomial logistic regression was used to test the relationship between household characteristics and saving motives. The results indicate that households wi

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9

Ghidode, Sarita, and Sanjay Kumar Joshi. "A Study on Savings Behaviour in Households of Small Farmers in Raipur District, Chhattisgarh, India." Asian Journal of Agricultural Extension, Economics & Sociology 42, no. 5 (2024): 17–28. http://dx.doi.org/10.9734/ajaees/2024/v42i52409.

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Every economy relies heavily on the savings generated by the household sector to expand. They are the primary driver if capital accumulation and the determinants of economic investment possibilities. Numerous factors, both internal connected directly to a certain household and external unrelated to it influence how families behave financially in terms of conserving money. The aim of this paper was to analyse savings behaviour of households of farmers in Raipur district (Chhattisgarh) in 2019, 2020 and 2021. Analyses were conducted on saving ability, saved, Extent able to survive to event to no

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Späth, Jochen, and Kai Daniel Schmid. "The Distribution of Household Savings in Germany." Jahrbücher für Nationalökonomie und Statistik 238, no. 1 (2018): 3–32. http://dx.doi.org/10.1515/jbnst-2017-0120.

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Abstract Against the ongoing assessment of the root causes of rising economic inequality in industrialized countries, analyses of the distribution of savings along the income and wealth distribution are of high interest. We analyze the concentration of household savings in Germany by estimating saving amounts, saving rates and shares in aggregate savings across income and wealth groups. Our calculations are based on the Sample Survey of Household Income and Expenditure (EVS), containing more than 40,000 households in Germany. We show that the concentration of savings is substantial: while the

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Mohd Shakil, Nurul Syifaa, Nur Azirah Zahida Mohamad Azhar, Norashida Othman, et al. "Nexus between Government Assistance and Savings: Preliminary Analysis of Households in Malaysia." Information Management and Business Review 15, no. 3(SI) (2023): 462–69. http://dx.doi.org/10.22610/imbr.v15i3(si).3502.

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This preliminary study investigates the relationship between government assistance and household savings. The study aimed to shed light on whether government assistance programs directly influence households' savings habits. Data were collected from 25 representative sample households, including their income, expenses, savings, and participation in government assistance programs. The study examined how much money households could save regularly. The study suggested a significant correlation, between government assistance and household savings. Families that received some form of government sup

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Chanda, Natasha, and Kabubi M. "Analyzing Effects of Household Demographic Conditions on Savings: A Case Study of Lusaka." International Journal of Advanced Multidisciplinary Research and Studies 5, no. 2 (2025): 1429–37. https://doi.org/10.62225/2583049x.2025.5.2.3999.

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The ability of households to save plays a crucial role in promoting financial stability and long-term economic well-being. However, various factors influence saving behaviors, and household demographic conditions are among the most significant. In urban areas like Lusaka, where economic pressures and cost of living challenges are prevalent, understanding how demographic variables such as family size, age, income levels, dependency ratios, and education affect saving patterns is essential for devising effective financial policies. This study aimed at analyzing the effects of household demograph

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Shin, Su Hyun, and Kyoung Tae Kim. "Perceived Income Changes, Saving Motives, and Household Savings." Journal of Financial Counseling and Planning 29, no. 2 (2018): 396–409. http://dx.doi.org/10.1891/1052-3073.29.2.396.

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Using the 2007–2009 Survey of Consumer Finances panel dataset, we investigate whether and how changes in perceived income and saving motives are related to demand for household savings in the United States after the Great Recession. Households that perceive their current income as lower, relative to normal years are less likely to save than those who view that their income is the same as the reference point. This result holds only for those who experienced a significant negative income shock during the Great Recession. Among five major saving motives, saving for an emergency is an important fa

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14

Арженовский, Сергей, and София Пантеева. "Household savings through the prism of behavioral characteristics." Applied Econometrics 75 (2024): 98–116. http://dx.doi.org/10.22394/1993-7601-2024-75-98-116.

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In the article, we use data of the household financial behavior longitudinal survey “All‐Russian House‐ hold Survey on Consumer Finance” and confirm the hypothesis that household saving behavior significantly depends on psychological and behavioral characteristics of the household head (while controlling for variables of income, type of settlement, education and demographic type of households). We show that higher financial literacy, satisfaction with relationships within the household, more responsible money management and better adaptation abilities, all other factors held equal, increase ho

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15

Ruqqia, Dr. Fariha Sami, and Sami Ur Rahman. "Household Saving Behaviour in District Peshawar, Khyber Pakhtunkhwa." Journal of Business & Tourism 8, no. 02 (2023): 71–82. http://dx.doi.org/10.34260/jbt.v8i02.268.

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The main purpose of this study is to examine household saving behaviour in the district of Peshawar Khyber Pakhtunkhwa. Data for this study was conducted through a survey questionnaire and questionnaires were distributed among 400 households of district Peshawar town III. The data was analyzed through the ordinary least square method using SPSS 26. Weighted least square (WLS) was used for estimation. The study explored that there is a strong link between household savings and planned variables. The results show that the total income of households has a direct and significant relationship with

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Hsueh, Li-Min. "International Real Estate Review." International Real Estate Review 3, no. 1 (2000): 11–33. http://dx.doi.org/10.53383/100019.

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The purpose of this research is to empirically test whether house price increases are an important factor in a household’s savings decisions and whether housing tenure choice and savings behavior are inter-correlated in Taiwan. Heckman's two-stage procedure for correcting sample selection bias is used in the estimation of savings function for homeowners and renters. Household survey data from 1985, 1989 and 1993 are used to compare households' saving behavior at different times. The empirical results show that in some cases the coefficients of the two different definitions of house price incre

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17

Fatuła, Dariusz. "Stopa oszczędności gospodarstw domowych – różnice w ujęciu mikro- i makroekonomicznym." Wiadomości Statystyczne. The Polish Statistician 2013, no. 9 (2013): 17–25. http://dx.doi.org/10.59139/ws.2013.09.2.

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The article discusses the method of calculating the rate of household savings based on data from sample survey of household budgets and data from the national accounts (household sector). Significant differences in the values of saving rates calculated in both approach in years 2007–2011 were observed. Selected data items affecting the formation of savings category in both approaches were analyzed. Among the possible causes of differences in saving rates the following were discussed: limited ability of some households to separate the consumer and the production functions, taking into account i

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18

Slddlqui, Rehana, and Rizwana Slddlqui. "Household Saving Behaviour in Pakistan." Pakistan Development Review 32, no. 4II (1993): 1281–92. http://dx.doi.org/10.30541/v32i4iipp.1281-1292.

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Household saving, which is a part of national saving, is expected to contribute to economic growth significantly. Its share in the total national savings of Pakistan, during 1960-90, was about 83 percent, ( and in gross national product it varied between 6.6 percent and 10 percent, in the early 1980s.2 This is a significantly high proportion considering the meagre total national saving ratio in Pakistan. The analysis of savings is a controversial issue. First. there is no standard empirical definition of household savings. Should consumer durables be considered a part of household saving? Shou

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Pruntseva, Gelena, Stepan Davymuka, Valentyna Yakubiv, et al. "The analysis of factors affecting the household savings as a part of food security management." International Journal of Data and Network Science 5, no. 4 (2021): 769–74. http://dx.doi.org/10.5267/j.ijdns.2021.7.004.

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Ensuring household food security should be a priority goal of state policy. The level of ensuring household food security reflects the state of the country's economic development and the effectiveness of agricultural policy. Household food security is achieved by ensuring a high level of purchasing power of households, which is possible by increasing income. Savings are the “safety cushion” for households during the financial and economic crisis caused by the coronavirus pandemic. The level of household savings is important both for the households themselves and for the country's economy, sinc

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20

Маратканова, Ирина, and Irina Маratkanova. "THE MATTER OF THE ESSENCE OF THE CONCEPT «THE SAVING POTENTIAL OF HOUSEHOLDS»: SYSTEM APPROACH." Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences 2017, no. 2 (2017): 45–51. http://dx.doi.org/10.21603/2500-3372-2017-2-45-51.

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Subject. The subject of the current research is the saving potential of households. The matter of the essence of the saving potential of households is relatively underexplored. At the same time, it remains a topical issue from the academic as well as from the practical point of view. The matter maintains its current importance because (1) household savings are an important long-term investment resource for the uplift of the real economy sector; (2) household savings are an indicator of material well-being of households and economic growth of the regional economy in general. As a result, the in

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21

Maftuhin, Muhammad, and Deni Kusumawardani. "Household Saving Behavior on Formal Financial Institutions in Urban and Rural Areas." Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi 17, no. 1 (2022): 40–53. http://dx.doi.org/10.24269/ekuilibrium.v17i1.2022.pp40-53.

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This research aimed to examine the household saving behavior on formal financial institutions in urban and rural areas. The data sources of this research from the Central Bureau of Statistics (BPS), namely the 2018 Indonesia national socio-economic survey (SUSENAS) and the 2018 Indonesia village potential survey (PODES).The research sampleswere 126 539 households in urban and 168 562 households in rural spread over 34 provinces in Indonesia. The analytical method used logistic regression to determine the household behavior in the savings ownership in a formal bank institution.Several factors t

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Ahmad, Mehboob, and Tasneem Asghar. "Estimation of Saving Behaviour in Pakistan Using Micro Data." LAHORE JOURNAL OF ECONOMICS 9, no. 2 (2004): 73–92. http://dx.doi.org/10.35536/lje.2004.v9.i2.a4.

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The role of savings in investment and therefore in the development of a country cannot be exaggerated. In poor countries like ours most of the savings is done by households. In this paper the saving behaviour of Pakistan households, broken down to rural-urban, is examined. Using HIES 1998/99 and utilising OLS, it has been shown that saving behaviour in Pakistan is influenced by various factors including wealth, employment status, education, age and dependency ratio. But the most import role in influencing saving behaviour is played by household income.

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Aladangady, Aditya, David Cho, Laura Feiveson, and Eugenio Pinto. "Excess Savings during the COVID-19 Pandemic." FEDS Notes, no. 2022-10-21 (October 2022): None. http://dx.doi.org/10.17016/2380-7172.3223.

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Over the pandemic, historic levels of government transfers boosted household income while household spending was severely curtailed by social distancing. This led the personal saving rate to soar (Figure 1), and we estimate that U.S. households accumulated about $2.3 trillion in savings in 2020 and through the summer of 2021, above and beyond what they would have saved if income and spending components had grown at recent, pre-pandemic trends.

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Chung, Young Mo, Beom Jin Chung, and Dong Sik Kim. "Electricity Bill Savings from Reduced Household Energy Consumption in Apartment Complexes." Energies 17, no. 21 (2024): 5488. http://dx.doi.org/10.3390/en17215488.

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Apartments account for 64.6% of all housing units in the Republic of Korea, and most of them receive electricity under a contract, which includes a progressive rate plan. Recently, due to the electrification of energy used in homes and the growing adoption of electric vehicles, electricity consumption in apartment complexes has been gradually increasing. Given the characteristics of the progressive rate system, an increase in electricity usage results in a significant higher rise in electricity bills. Thus, an effective alternative is required to reduce electricity bills for each household. In

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Mohd, Saidatulakmal, and Nurul Syifaa Mohd Shakil. "Factors Affecting Savings for Low-Income Households in the Northern States of Malaysia." Malaysian Journal of Consumer and Family Economics 30, no. 1 (2023): 392–414. http://dx.doi.org/10.60016/majcafe.v30.15.

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Low-income households are those with lower incomes than most households in the region. In Malaysia, a low-income household earns less than RM 4,500 per month. Savings issues for low-income households are rarely discussed. This is because, logically, how can these low-income households save when their money is barely enough to cover their basic needs? Nonetheless, despite limited research, there is evidence that low-income households save. This study aims to identify the type of savings of low-income households. According to this study, low-income households do save. The methodology used in thi

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Lin, Chu-Chia, Chien-Liang Chen, and Sue-Jing Lin. "International Real Estate Review." International Real Estate Review 3, no. 1 (2000): 109–41. http://dx.doi.org/10.53383/100024.

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A common puzzling phenomenon over the household survey of Taiwan is that the renters' saving rate is higher than that of the owners', while the latter has a higher average income than the former. One reason for this feature is that certain housing owners have to pay a greater amount of mortgage payment that is not included in saving. And on the other hand, the saving decision is correlated with the tenure decision, while the tenure decision is also correlated with the household's life cycle, in addition to income. And therefore, when one tries to estimate the correct saving rate, he or she has

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Bereslavska, Olena, and Nataliia Kozii. "BANK SAVINGS OF HOUSEHOLDS: STRUCTURE, DYNAMICS, TRENDS DURING CRISIS STATES OF UKRAINE'S ECONOMY." Scientific Notes of Ostroh Academy National University, "Economics" Series 1, no. 28(56) (2023): 45–51. http://dx.doi.org/10.25264/2311-5149-2023-28(56)-45-51.

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The article is devoted to the issues assessing the state household bank savings during the crisis states of the Ukrainian economy, which were observed in 2008-2009, 2014-2016, and 2020-2022 and were caused by various reasons. Based on the analysis the structure bank savings, their types, dynamics and trends, it was concluded that the savings behavior of households had multidirectional vectors. In particular, during the crisis states the economy in 2009, 2014-2016, 2020-2021, household savings in the national currency had a downward trend, while in foreign currency – an increasing trend. The ov

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Mohamed Yousop, Nur Liyana, Wan Mohd Farid Wan Zakaria, Zuraidah Ahmad, and Ahmad A'thif Abdul Manan. "Empirical Analysis on Household Savings in Malaysia." Journal of International Business, Economics and Entrepreneurship 5, no. 1 (2020): 13. http://dx.doi.org/10.24191/jibe.v5i1.14287.

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The Malaysian household saving growth has shown weakened patterns from year to year. Low-income level, overspending and black swan economic events result in nosedived household savings. To explain this issue, this study empirically examined factors affecting household savings in Malaysia. The analysis was based on time-series data gathered from World Bank Data, CEIC Data and Department of Statistic of Malaysia from 1970 until 2018. The ordinary least square (OLS) regression analysis was used to examine the significant relationship among dependent variable (household savings, proxy gross domest

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Shinde, Rhythima, Sidi Peng, Saloni Vijay, Stefanie Hellweg, and Andreas Froemelt. "Data mining for evaluating the rebounds-associated emissions due to energy-related consumer behavioural shifts in Switzerland." Journal of Physics: Conference Series 2042, no. 1 (2021): 012127. http://dx.doi.org/10.1088/1742-6596/2042/1/012127.

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Abstract Energy-related household consumption lead to a substantial share of the total household GHG emissions (direct and indirect). The policies or technologies, which try to mitigate these emissions often end up ‘rebounding’ i.e. the savings of energy (bills) caused by these measures, induce further expenses in other (e.g. travel) or same (e.g. electricity) categories, leading to (partial) offsetting of the emissions saving. This research introduces application of a data-driven bottom up method to evaluate these rebound emissions based on the household consumption (expenses) and properties.

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Szopiński, Tomasz. "THE DETERMINANTS OF HOUSEHOLD SAVINGS IN POLAND." Acta Scientiarum Polonorum. Oeconomia 16, no. 2 (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. Th

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Gröbel, Sören, and Dorothee Ihle. "Saving Behavior and Housing Wealth Evidence from German Micro Data." Jahrbücher für Nationalökonomie und Statistik 238, no. 6 (2018): 501–39. http://dx.doi.org/10.1515/jbnst-2017-0118.

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Abstract Housing property is the most important position in a household’s wealth portfolio. Even though there is strong evidence that house price cycles and saving patterns behave synchronously, the underlying causes remain controversial. The present paper examines if there is a wealth effect of house prices on savings using household-level panel data from the German Socio-Economic Panel for the period 1996-2012. We find that young homeowners decrease their savings in response to unanticipated house price shocks, whereas old households hardly respond to house price changes. Although effects ar

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Amusa, Kafayat. "Savings and economic growth in South Africa: A multivariate analysis." Journal of Economic and Financial Sciences 7, no. 1 (2014): 73–88. http://dx.doi.org/10.4102/jef.v7i1.131.

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Growth theories highlight the importance of domestic savings for Economic growth. The savings and growth literature points generally to a positive growth effect of domestic savings. For a country like South Africa, where the level of domestic saving is low, the question of the role of savings in economic growth becomes critical. An understanding of the contribution of the different forms of savings in an economy to its economic growth is important, especially to be able to make the proper policy addresses. This paper applies cointegration analysis within a multivariate framework to establish t

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Phaeobang, Achara, and Saichon Sinsomboonthong. "Efficiency Comparison of Prediction Methods and Analysis of Factors Affecting Savings of People in the Central Region of Thailand." Journal of Engineering 2023 (December 7, 2023): 1–20. http://dx.doi.org/10.1155/2023/1388200.

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Inarguably, saving is very important for the life of a senior citizen. Artificial neural network (ANN) and multiple linear regression (MLR) analyses have been successfully used to predict and analyze factors affecting the savings of people in several regions of the world. Many studies concluded that ANN is more efficient than MLR. However, some studies concluded that MLR is more efficient. To investigate this issue further, this study directly compared the efficiencies of unoptimized ANN and MLR in predicting and analyzing factors affecting the savings of people in the central region of Thaila

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Danlami, Abubakar. "Impact of Non-interest Financial Inclusion on Household Livelihood in the North-West Nigeria: A Preliminary Investigation." Journal of King Abdulaziz University: Islamic Economics 37, no. 1 (2024): 39–54. https://doi.org/10.4197/islec.37-1.3.

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The first step for building self-sufficiency and sustainable livelihood is re-establishing the necessary assets for income generation. This study assesses the likelihood impact of non-interest financial inclusion across eighty (80) selected households in the Northwest region of Nigeria. Intuitively, the study considered three dimensions through which the impact could be felt; through change in households’ income, consumption, and savings. Guided by evidence in the empirical literature, the paper employs logistic regression model in its analyses. Preliminarily, the Cronbach’s alpha value of 0.6

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Musiał, Marta. "PERSONAL FINANCE MANAGEMENT IN POLAND FROM 2004-2013." CBU International Conference Proceedings 3 (September 19, 2015): 213–17. http://dx.doi.org/10.12955/cbup.v3.603.

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This article describes the state of household finance management in Poland. The analysis consists of three basic elements of household finance, such as income and expenditure of Polish households, savings and investments of Polish households, and Polish households debt. The presented data represent the time period from 2004 to 2013. The data came from reports of National Central Bank in Poland and Central Statistical Office in Poland. Based on the presented data, it can be said that the situation of Polish household has improved during the analyzed period. Moreover, Polish household characteri

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Tuan, Vo Van, Le Canh Dung, Vo Van Ha, Dang Kieu Nhan, John Ward, and Peter Brown. "Financial Capacity of Rice-based Farming Households in the Mekong Delta, Vietnam." Asian Journal of Agriculture and Development 14, no. 1 (2017): 73–87. http://dx.doi.org/10.37801/ajad2017.14.1.5.

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This study examines financial capacity of various types of rice farming households in the Mekong Delta. Household financial capacity was elicited and quantified through interviews with 449 households practicing rice-based farming systems in four agro-ecological zones of the Mekong Delta. Household net income, long-standing debt, and savings represent the three key parameters of household financial capacity. Analysis of farm size classes revealed that financial capacity was weak, especially among households with farms that were less than one hectare. Agricultural production was the primary comp

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DEVANEY, SHARON A., SOPHIA T. ANONG, and STACY E. WHIRL. "Household Savings Motives." Journal of Consumer Affairs 41, no. 1 (2007): 174–86. http://dx.doi.org/10.1111/j.1745-6606.2006.00073.x.

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Siame, Wila, and Marvin Kabubi. "Analyzing the Effects of Inflation on Household Living Conditions: Case Study of Mbala Central Constituency." International Journal of Advanced Multidisciplinary Research and Studies 5, no. 2 (2025): 1980–86. https://doi.org/10.62225/2583049x.2025.5.2.4095.

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The study aimed at analyzing the effect of inflation on household living conditions in Zambia. The data was collected from both primary and secondary. The population of study was specifically purposed on the households of Lusaka district. The study outlined three specific objectives, to ascertain the effects of inflation on household consumption expenditure, influence of inflation on household disposable income and effects of inflation on household savings. A descriptive research design was employed, with a sample size of 75 households selected through purposive sampling from a target populati

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Saviour Lusaya and Namoonga Mulunda. "Factors determining household savings in Zambia: A logit regression model from the micro-economic perspective." World Journal of Advanced Research and Reviews 13, no. 1 (2022): 520–33. http://dx.doi.org/10.30574/wjarr.2022.13.1.0007.

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Although not directly linked in time and space, the low savings in an economy will pose a huge challenge on the growth prospect of the country as both private and public savings remain catalytic to economic growth. The classical and neo-classical growth theories have placed emphasis on the critical role of savings in the economy and indeed the need for high savings cannot be overemphasised. This study sought to examine microeconomic determinants of household savings in Zambia using cross sectional data obtained from the Central Statistics Office 2015 Living Condition Monitoring Survey comprisi

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Saviour, Lusaya, and Mulunda Namoonga. "Factors determining household savings in Zambia: A logit regression model from the micro-economic perspective." World Journal of Advanced Research and Reviews 13, no. 1 (2022): 520–33. https://doi.org/10.5281/zenodo.5896308.

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Although not directly linked in time and space, the low savings in an economy will pose a huge challenge on the growth prospect of the country as both private and public savings remain catalytic to economic growth. The classical and neo-classical growth theories have placed emphasis on the critical role of savings in the economy and indeed the need for high savings cannot be overemphasised<strong>. </strong>This study sought to examine microeconomic determinants of household savings in Zambia using cross sectional data obtained from the Central Statistics Office 2015 Living Condition Moni

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Santoso, Arif Dwi, and Muhammad Agus Salim. "Penghematan Listrik Rumah Tangga dalam Menunjang Kestabilan Energi Nasional dan Kelestarian Lingkungan." Jurnal Teknologi Lingkungan 20, no. 2 (2019): 263. http://dx.doi.org/10.29122/jtl.v20i2.3242.

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ABSTRACTThe government efforts to maintain national energy stability program through the increase energy supply and saving must be supported by all levels of society. Several energy observers and experts stated that the contribution of the domestic or household sector in the activities of energy saving program is quite significant because the percentage of household customers are relatively high. This paper analyzes the potential of providing research data on the percentage of electricity savings in the domestic or household sectors towards saving electricity nationally. The results of the stu

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Sk, Imran, and Md Hasrat Ali. "Determinants of Household Consumption Expenditure of Beedi Workers in West Bengal, India." Journal of Scientific Research and Reports 31, no. 7 (2025): 479–87. https://doi.org/10.9734/jsrr/2025/v31i73265.

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This study examines consumption patterns and the key factors influencing the consumption expenditure of beedi worker households in the Murshidabad District of West Bengal. For the present study, 50 sample households of beedi workers have been randomly selected with the help of the Simple Random Sampling Without Replacement Method (SRSWOR). Data collection was done through a pretested questionnaire. Descriptive analysis, including means and standard deviations, was employed to summarise demographic and economic data, while multiple linear regression was used to identify factors affecting consum

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Grzelak, Aleksander. "FARMERS’ HOUSEHOLD SAVINGS COMPARED TO SELECTED HOUSEHOLDS GROUPS." Annals of the Polish Association of Agricultural and Agribusiness Economists XXVI, no. 4 (2024): 71–83. https://doi.org/10.5604/01.3001.0054.8170.

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The aim of the article is to diagnose the dynamics of household savings among farmers in Poland in comparison to other social groups of households. The study attempts to relate empirical findings to selected income theories. Data from the household budgets of the Central Statistical Office (GUS) were used in this analysis. It was found that the existing theories do not correspond to the savings behaviors of farming households. It can be stated that only the integration of the permanent income theory, Modigliani and Brumberg’s life-cycle hypothesis, and the relative income theory would provide

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Lozychenko, Oleksandr. "THE ESSENCE OF SAVINGS OF HOUSEHOLDS AND THEIR TYPES." Scientific bulletin of Polissia, no. 2(23) (2021): 30–39. http://dx.doi.org/10.25140/2410-9576-2021-2(23)-30-39.

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Households play one of the most important roles in the development of any country’s economy. These entities can generate savings and transfer them to financial institutions, having a strong impact on the development of both the financial system and the national economy as a whole. The importance of household savings for the creation of favorable investment conditions for, above all, business entities, leads to increased interest of scientists in conducting research in this area.Within the article, the essence of the category “household savings” is analyzed, and some types of such savings are c

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RUEY, CHUOL JOCK. "Determinants Of Rural Household Savings In Gambella: The Case of Nuer Zone, Gambella People’s National Regional State, Ethiopia." International Business & Economics Studies 5, no. 2 (2023): p88. http://dx.doi.org/10.22158/ibes.v5n2p88.

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The planning element of saving, especially in rural areas of Ethiopia, is in its infancy, and little is known empirically about its determinants. Saving as a planning variable, influences both individual wellbeing and that of the country as a whole. The purpose of this research was to identify the types of savings that rural households used and the key factors that determine their savings. Descriptive and exploratory research designs, as well as a mixed approach, were used to accomplish the study’s objectives. Cross-sectional data from both primary and secondary sources were gathered from 370

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Živčič, Lidija, Marie Moisan, and Tomislav Tkalec. "PROJECT ACHIEVE – REDUCING ENERGY CONSUMPTION IN FUEL-POOR HOUSEHOLDS." Journal of Energy Technology 7, no. 1 (2024): 67–88. https://doi.org/10.18690/jet.7.1.67-88.2014.

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ACHIEVE is a European project for reducing energy and water consumption in fuel-poor households. The project is carried out in Bulgaria, France, Germany, Great Britain and Slovenia; it ad-dresses the problem of fuel poverty and achieves savings for end customers through practical measures and solutions on a structural level. A group of energy advisers implements free energy audits in households that are experiencing difficulties in meeting their basic energy needs. While implementing free visits to households, energy advisers first, with the help of household members, analyse the situation and

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Latsos, Sophia, and Gunther Schnabl. "Determinants of Japanese Household Saving Behavior in the Low-Interest Rate Environment." Economists’ Voice 18, no. 1 (2021): 81–99. http://dx.doi.org/10.1515/ev-2021-0005.

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Abstract This paper scrutinizes the role of prolonged, expansionary monetary policy on the saving behavior of Japanese households, focusing on the dramatic change of the household savings rate since 1998, from high to low saving. The literature generally attributes this change to the country’s shift from high-growth to low-growth and its demographic change. This paper empirically examines changes in the incentives for saving and the ability to save connected to monetary policy. It finds that monetary policy had a significant impact on Japan’s household saving behavior via the interest rate cha

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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 (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

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Wierzbicka, Ewa. "DETERMINANTS OF INCREASING HOUSEHOLD SAVINGS IN POLAND." Zeszyty Naukowe Wyższej Szkoły Humanitas Zarządzanie 19, no. 4 (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

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Mbiekop, Flaubert. "On Governance and the Demographic Transition." Journal of Economics and Behavioral Studies 4, no. 6 (2012): 319–30. http://dx.doi.org/10.22610/jebs.v4i6.332.

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It is now conventional wisdom that institutions shape household fertility choices, especially in developing countries. However, deeper insights into the mechanisms at play are still needed. This paper develops a game-theoretical framework with a simple overlapping-generations model to show how a typical household may come to prefer bearing and raising numerous children as a savings scheme for retirement and not rely on conventional outlets for saving when facing weak institutions. On the one hand weak institutions increase the risk that individuals may lose their savings if relying on conventi

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