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Testing the direct substitutability hypothesis of saving
Koskela, Erkki, (1985)
The impact of financial education for youth in Ghana
Berry, James, (2015)
Karlan, Dean, (2015)
Dynamics of the demand for money and uncertainty : the U. S. demand for money revisited
Koskela, Erkki, (1988)
International differences in saving rates and the life cycle hypothesis : a comment
Koskela, Erkki, (1989)
Taxes, credit market "imperfections" and inter-country differences in the household saving ratio