Search Results - subject_exact:"Saving"

Narrow search

Inequality in comprehensive wealth

Landel, Hannah; Love, David A.; Smith, Paul A. - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015605578

Exploring the socioeconomic factors influencing savings for the future in Poland

Domańska, Julia - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015405396

Demographics and international capital flows : an empirical assessment

Zélity, Balázs - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015641901

Does overspending harm retirement preparation?

Lynn, Christina; Heckman, Stuart; Kothakota, Michael; … - 2025

This study addressed the research question of how overspending is related to retirement preparation. A commonsense answer to this question is this: overspending should negatively impact retirement preparation. However, the existing body of knowledge does not provide evidence to support or deny...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015412398

Effect of mobile money or mobile banking services on saving behaviors in Ethiopia

Bekeru, Kedir - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015436687

Consumption responses to rising mortgage rates : unpacking the cashflow channel of monetary policy

Andersen, Asger Lau; Jakobsen, Andreas; Jørgensen, … - 2026

We study the transmission of rising interest rates to consumption using granular customer data from a major bank in Denmark. We show that households with adjustable-rate mortgages gradually reduced spending and increased deposits as market rates soared in 2022 but made no further spending cuts...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015656790

Show 2 more versions 2

Consumption responses to rising mortgage rates : unpacking the cash-flow channel of monetary policy

Andersen, Asger Lau; Jakobsen, Andreas; Jørgensen, … - 2026

Book / Working Paper

Consumption responses to rising mortgage rates : unpacking the cash-flow channel of monetary policy

Andersen, Asger Lau; Jakobsen, Andreas; Jørgensen, … - 2026

Book / Working Paper

Are women preparing for old age? : evidence from Japan

Niimi, Yoko - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015651040

Borrowing from family and friends : study of the European Union

Diab, Sara; Nourallah, Mustafa; Öhman, Peter - 2025

Informal borrowing from family and friends suffers from the lack of formal agreement and can lead to severe consequences. Self-control theory suggest some strategies to improve the saving tendencies which can reduce this type of borrowing. To examining which factors that can enhance these...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015492628

Economic growth and savings transition in Asia : unity in diversity

Athukorala, Premachandra; Wanissa Suanin - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015394302

The revenues from taxation of household capital in EU member states

Mihăilă, Nicoleta - 2025

In this paper, we consider the analysis of tax revenues from household capital at the level of EU states, in the period 2015-2023, respectively, those regarding property taxation, capital gains from the population/ individuals, as well as the effects of tax benefits granted by the authorities...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015639892

Migrant workers remittances in fostering country-of-origin entrepreneurship and financial inclusion : life cycle-permanent income hypothesis

Izza Mafruhah; Istiqomah, Nurul - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015154428

Bequests

Horioka, Charles - 2025

In this paper, we discuss bequests and other intergenerational transfers and what impact they have on the consumption, saving, and labor supply behavior of households. We show that bequests and other intergenerational transfers are prevalent in most countries, that they are sometimes motivated...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015463558

Show 4 more versions 4

Bequests

Horioka, Charles - 2025

Book / Working Paper

Bequests

Horioka, Charles - 2025

Book / Working Paper

Bequests

Horioka, Charles - 2025

Book / Working Paper

Bequests

Horioka, Charles - 2025

Book / Working Paper

Daily consumption smoothing? : new evidence from a payment diary

Gilyard, Shaun; Schuh, Scott - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015473988

When cash costs you : the pain of holding coins over banknotes

Zenkić, Jay; Mead, Nicole L.; Millet, Kobe - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015144270

"Buy him some Tesla stocks for his baptism" : gender differences among young savers

Hauff, Jeanette Carlsson; Hermansson, Cecilia - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015162562

Do non-prudent consumers ever engage in precautionary saving? : two observations on risk and precautionary saving

Ventura, Luigi; Horioka, Charles - 2025

Previous authors have asserted that precautionary saving will arise only if consumers are not only risk-averse but also prudent, but in this paper, we first show that when saving occurs in the context of a financial economy featuring at least one other asset, prudence is neither necessary, nor...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015615844

Show 2 more versions 2

Do non-prudent consumers ever engage in precautionary saving? : two observations on risk and precautionary saving

Ventura, Luigi; Horioka, Charles - 2025

Book / Working Paper

Do non-prudent consumers ever engage in precautionary saving? : two observations on risk and precautionary saving

Ventura, Luigi; Horioka, Charles - 2025 - Revised December 3, 2025

Edition: Revised December 3, 2025

Book / Working Paper

A new modeling approach to help address the trump tariffs

Horioka, Charles; Ford, Nicholas - 2025

In this paper, we show that the existing models and descriptions of the transfer of capital between countries that are provided in international economics are inadequate because they fail to explain the causes of, or the consequences of, persistent trade imbalances and because the assumption...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015633331

Show one more version 1

A new modeling approach to help address the Trump tariffs

Horioka, Charles - 2025

Book / Working Paper

Saving transition in Asia

Athukorala, Premachandra; Wanissa Suanin - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015050231

The life you save (for) : experiences dominate goods in motivating savings

Yin, Siyuan; Donnelly, Grant; Lamberton, Cait; Norton, … - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015576157

Unveiling the winning contribution patterns for enhanced financial health

Grace, Chuck; Metzler, Adam; Miao, Yang; Feng, Longlong; … - 2024

In this paper, we examine the issue of saving in the context of financial resilience. We examine unique dataset(s) of investor transactions to determine the relationship between investor behaviours, household savings, and investment outcomes. We examine these real-world observed behaviours...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014555536

New modeling approach to help address the Trump tariffs

Horioka, Yuji; Ford, Nicholas - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015558356

Money attitudes, budgeting and habits

Furnham, Adrian; Fenton-O'Creevy, Mark - 2024

Persistent link: https://ebvufind01.dmz1.zbw.eu/10016062438

Long-term trends in the distribution of wealth and inheritance

Davies, James B.; Lluberas, Rodrigo; Waldenström, Daniel - 2024

This paper examines long-term trends in aggregate wealth and inheritance and in their distributions, focusing on developed economies. A key stylized fact is that wealth is less equally distributed than income. Financial assets predominate among the wealthy, while owner-occupied housing is...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014564314

Show one more version 1

Long-term trends in the distribution of wealth and inheritance

Davies, James B.; Lluberas, Rodrigo; Waldenström, Daniel - 2024

Book / Working Paper

Risk aversion, self-control, commitment savings device and benchmark-defined undersaving among nano enterprises in urban slums : a logistic regression approach

Osifodunrin, Edward A.; Lopes, José Dias - 2026

Low-income individuals are unlikely to save relatively large sums on a regular basis; however, many still fall short of even the modest threshold required for long-term financial security. This study examines the determinants of benchmark-defined undersaving among retail e-payment agents (REAs)...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015591438

The polarization of personal saving

Gindelsky, Marina; Martin, Robert S. - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015399483

Show one more version 1

The polarization of personal saving

Gindelsky, Marina; Martin, Robert S. - 2024

Book / Working Paper

Windfall income shocks with finite planning horizons

Boutros, Michael - 2026

I study how the cognitive demands of financial planning shape household decisionmaking with respect to consumption out of windfall income shocks. I build a quantitative model of bounded rationality in which reoptimization is costly. Households respond to windfall income shocks by choosing a...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015580415

The investing-saving relationship debate between opposing views : a panel analysis across main economic regions

Focacci, Antonio - 2026

This paper focuses on an empirical analysis of the relationship between investing and saving, taking into account various economic regions. The economic aggregates are selected following the International Monetary Fund (IMF) standard classification. The investigation is developed within the...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015625989

Mortgage relief and household saving : evidence from a natural experiment in Iceland using administrative data

Sigurður Páll Ólafsson; Arnaldur Smári Stefánsson; … - 2024

We take advantage of a unique experiment that took place in Iceland in 2015. Following the collapse of the country's banking system in 2008, the authorities decided on a program of mortgage relief that in effect lowered the principal of mortgages overnight. What sets our experiment apart from...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10014470019

Revisiting the consumption puzzle at retirement

Labeaga, José M.; Sánchez-Robles Rute, Blanca - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015626549

Why do Europeans save? : micro-evidence from the household finance and consumption survey

Horioka, Charles; Ventura, Luigi - 2025

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015474035

Show 4 more versions 4

Why do Europeans save? : micro-evidence from the household finance and consumption survey

Horioka, Charles; Ventura, Luigi - 2025 - Revised May 16, 2025

Edition: Revised May 16, 2025

Book / Working Paper

Why do Europeans save? : micro-evidence from the household finance and consumption survey

Horioka, Charles; Ventura, Luigi - 2024

Book / Working Paper

Why do Europeans save? : micro-evidence from the household finance and consumption survey

Horioka, Charles; Ventura, Luigi - 2024

Book / Working Paper

Why Do Europeans Save? Micro-Evidence from the Household Finance and Consumption Survey

Horioka, Charles; Ventura, Luigi - 2024

Book / Working Paper

Wealth and its distribution in Germany, 1895-2021

Albers, Thilo N. H.; Bartels, Charlotte; Schularick, Moritz - 2024

German history over the past 125 years has been turbulent. Marked by two world wars, revolutions and major regime changes, as well as a hyperinflation and three currency reforms, expropriations and territorial divisions, it comprises extreme shocks to study the role of historical events,...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015207502

Unlocking financial inclusion through solar technology adoption in Malawi

Dai, Congyi; McCord, Ryan; Beach, Katerina B.; Mahieu, … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015627454

Household consumption in Colombia: a nonlinear cointegrating approach

Arango Thomas, Luis Eduardo; Flórez, Luz A.; Posada, … - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015617560

Impact of demographic and macroeconomic variables on gross saving : evidence from Jordan

Alzoubi, Omar Mohammad; Saqfalhait, Nahil Ismail - 2026

This study analyzes the determinants of gross saving in Jordan over the period 1991-2023, with particular attention paid to the role of macroeconomic and demographic factors in shaping saving behavior. The empirical analysis employs the Autoregressive Distributed Lag (ARDL) bounds testing...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015628420

A model of consumption with mental accounting and heterogeneous agents

Gimeno-Ribes, Jaime - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015655481

Financial literacy and the retirement gender gap : the role of cultural schemas

Green, Li-Noy; Herbst-Debby, Anat - 2026

This qualitative study explores the construction of financial literacy in the context of retirement among young women in Israel, in light of available cultural schemas. The research challenges economic models that rely solely on assumptions of rationality and self-interest, offering a...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015628601

The impact of population aging on the household saving rate : the case of Japan

Horioka, Charles - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015561467

Show 2 more versions 2

The impact of population aging on the household saving rate : the case of Japan

Horioka, Charles - 2026

Book / Working Paper

The impact of population aging on the household saving rate : the case of Japan

Horioka, Charles - 2026

Book / Working Paper

Optimizing state aid processes during COVID-19 in the Slovak Republic : model, simulation, and savings

Šindleryová, Ivana Butoracová; Cíbik, Lukáš; … - 2026

The COVID-19 pandemic exposed significant vulnerabilities in public-sector administrative capacity, particularly in the implementation of crisis-related state aid schemes. Under conditions of extreme workload, time pressure, and legal constraints, administrative processes became critical...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015628659

Overconfidence, knowledge of the retirement income system, and retirement planning

D'Astous, Philippe; Glenzer, Franca - 2026

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015609287

Mandatory pension contributions, household consumption, and savings

Larsen, Linda Sandris; Nielsson, Ulf; Nutu, Mara; … - 2026

Using Danish register data, we study whether individuals save enough to maintain almost all (90%) of their pre-retirement consumption. We find that 85 percent do, largely due to mandatory labour market pension contributions. The remaining 15 percent are less likely to have mandatory pension...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015647153

Household savings and shocks to occupational pension funds

Caloia, Francesco; Mastrogiacomo, Mauro; Simonetti, Irene - 2026

Using household survey data linked to supervisory data of Dutch pension funds, we provide evidence of the increase in household savings caused by shocks to the financial position of pension funds. Our identification strategy exploits cross-sectional and time variations in pension funds' funding...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015647160

Intertemporal self-insurance and excess sensitivity of affluent households

Savoia, Ettore - 2026

This paper studies household consumption behavior when saving motives differ due to preference or income risk heterogeneity. I show that self-insurance operates along two margins: a standard liquidity margin determined by the level of current resources and an intertemporal margin governed by...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015612455

Explaining the global decline in the relative price of investment goods : the role of demographic shifts

Li, Yingcan - 2026

The persistent decline in the relative price of investment goods has emerged as a global stylized fact. This paper develops a three-period Overlapping Generations model to delineate the theoretical mechanism through which population age structure affects the relative price of investment goods...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015653852

Who Captures Export Windfalls? Exchange Rates, Export Profitability, and National Saving under Dominant-Currency Pricing

Bakker, Bas - 2026

Under dominant-currency pricing—where many export prices are set in dollars—the real exchange rate allocates export windfalls between producers and consumers. When the real exchange rate is stable, rising dollar export revenues pass through nearly one-for-one into higher real local-currency...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015612694

Formalizing Savings

Melecky, Martin; Singer, Dorothe - 2026

This paper investigates the determinants of saving behavior—both formal and informal—using individual-level data from the 2021 Global Findex database, covering more than 139,000 adults across 138 countries. The analysis employs a Heckman selection model to distinguish between the decision to...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015613930

Decomposing the welfare consequences of population aging in Thailand : labor, saving, and fiscal channels in a multi-household CGE model

Pinitjitsamut, Montchai - 2026

Population aging in middle-income economies produces macroeconomic and distributional consequences that aggregate frameworks cannot detect. This paper develops a multi-household CGE model calibrated to a 26-sector Social Accounting Matrix for Thailand (2024) and traces the labor, saving, and...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015633818

Social protection in Chile : between growth and redistribution

Zapata-Román, Gabriela; Barrientos, Armando - 2026

Chile combines high income levels and strong human development outcomes with persistent inequality. This paper examines the country's social protection matrix, focusing on its institutional configuration, financial structure, and main outcomes. The analysis distinguishes three core components-...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015615839

Investigating spillovers of education policy : the impact on household saving behavior

Akyol, Şaziye Pelin; Leka, Marie - 2026

Exploiting a legislative change that increased mandatory schooling from five to eight years in Türkiye, we investigate the impact of the reform on household saving decisions. We find that while the reform increased the education level of both men and women, its impact on household saving...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015666825

Pension saving in a gendered lifecourse

James, Hayley - 2026

Despite automatic enrolment in work pension schemes, private saving for pensions in the UK is relatively low, with most people under-pensioned in later life and reliant on the state pension. In this book, Hayley James shows that equally significant is that women save far less for old age than...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015555380

Do institutions matter for turning savings into investment? : evidence from African economies

Ayemele, Cyril; Monyela, Dikeledi; Kirsten, Frederich - 2026

This study examines the relationship between domestic savings and fixed capital formation in African economies, focusing on the moderating role of institutional quality. Using panel data for 45 African countries over the period 1996-2024, we estimate a fixed-effects model with Driscoll-Kraay...

Persistent link: https://ebvufind01.dmz1.zbw.eu/10015676808