Search Results - subject_exact:"Savings"

Financial literacy and saving behavior : global cross-sectional evidence

Afonso, António; Rodrigues, Eduardo de Sá Fortes Leitão - 2026

Savings play a critical role in both individual financial well-being and economic development. This article examines the impact of financial literacy, income, educational level, and age on saving decisions across 136 countries, using data from the Global Financial Inclusion Database (2021) and...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015587535

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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015625989

Households with insufficient liquid assets : consumption responses to income changes

Belloc, Ignacio; Molina, José Alberto - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015665409

Intergenerational transfers, differential fertility, and wealth inequality

Cooke, Aaron; Ghimire, Umesh; Lee, Hyun; Zhao, Kai - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015617295

Does gender and socio-economic status matter in financial access and usage? : a pooled cross-sectional analysis exploring traditional vs. digital trends

Ghosh, Rupsa; Rajeev, Meenakshi - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015619025

Understanding temptation spending and saving behaviour among Malian farming households

Ölkers, Tim; Wahbi, Annkathrin; Mußhoff, Oliver - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015371756

The impact of early pension withdrawals on household finances and inflation

Meriküll, Jaanika - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015375201

How inheritance expectations impact household savings

Belloc, Ignacio; Molina, José Alberto - 2025

This paper examines how expecting to receive an inheritance impacts household savings decisions. Life-cycle consumption models indicate that the expectation of inheriting should reduce current savings plans for forward-thinking consumers. We investigate how inheritance expectations shape savings...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015197073

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How inheritance expectations impact household savings

Belloc, Ignacio; Molina, José Alberto - 2025

Book / Working Paper

Life cycle saving in a high-informality setting

Joubert, Clément; Kanth, Priyanka - 2025

Low- and middle-income countries are experiencing fast population aging and reductions in extreme poverty, increasing theoretical incentives to save for old age, but empirical evidence on household wealth accumulation over the life cycle is lacking. Using age-cohort-time decompositions on 18...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015394212

Participation in pension programs in low and middle income countries

Giles, John; Joubert, Clément; Tanaka, Tomoaki - 2025

Low- and middle-income countries are aging rapidly but stagnation of growth in participation in pension programs, due to widespread informal employment, presents a major fiscal challenge. Some claim that improving the design of pension program rules can encourage more pension contributions,...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015395404

Retirement incomes in Canada : past, present and future

Boisclair, David; Dufour, Xavier; Michaud, Pierre-Carl - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015467817

Financial regret at older ages and longevity awareness

Hurwitz, Abigail; Mitchell, Olivia S. - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015472127

Liquidity constraints, income variance, and buffer stock savings : experimental evidence

Duffy, John; Orland, Andreas - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015472979

Intergenerational and intragenerational cooperation

Heath, Joseph - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015450294

Why do households save and work?

Borella, Margherita; De Nardi, Mariacristina; Yang, Fang; … - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015437486

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Why do households save and work?

Borella, Margherita; De Nardi, Mariacristina; Yang, Fang; … - 2025

Book / Working Paper

Why Do Households Save and Work?

Borella, Margherita; De Nardi, Mariacristina; Yang, Fang; … - 2025

Book / Working Paper

Do the rich really save more? : answering an old question using the survey of consumer finances with direct measures of lifetime earnings and an expanded wealth concept

Llanes, Liz; Thompson, Jeffrey P.; Henriques, Alice M. - 2025 - This version: October 2025

The question of whether affluent households save at a higher rate than other parts of the distribution has been asked by economists on numerous occasions since the 1950s. It is standard in this research to define affluent, or "rich," households as those with high lifetime earnings or income to...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015506480

Do parents save more for a daughter or a son? : minorities, cultural norms, and economic incentives

Rosen, Maya Haran; Ḳasir, Nitsa; Malul, Moriel; Sade, Orly - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015592999

Saving responses to mandatory pension plans

Burgherr, David - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015477021

The ethnic wealth divide in the UK : mapping disparities across time, age and immigrant generations

Karagiannaki, Eleni - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015561002

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

Ventura, Luigi; Horioka, Charles - 2025

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015531636

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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

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

Ventura, Luigi; Horioka, Charles - 2025

Book / Working Paper

Assessing peer influence on farmers' climate adaptations : an experimental adoption of index insurance and savings in Uzbekistan

Moritz, Laura; Kuhn, Lena; Bobojonov, Ihtiyor; Glauben, … - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014495706

Measuring trust in institutions and its causal effect

Penczynski, Stefan P.; Santana, Maria Isabel - 2024

We propose a novel way of measuring trust in institutions, which draws on the experimental method used to elicit time preferences. Our measure is provided in the meaningful metric of the subjective probability of trustworthiness of the trustee. In a lab‐in‐the‐field setting in the...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014496994

The impact of information and communication technologies on banks, credit, and savings : an examination of Brazil

Alves, Flavia - 2024

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10014520815

Diffusion in social networks : experimental evidence on information sharing vs persuasion

Fafchamps, Marcel; Islam, Asad; Pakrashi, Debayan; … - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015560931

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Diffusion in social networks : experimental evidence on information sharing vs persuasion

Fafchamps, Marcel; Islam, Asad; Pakrashi, Debayan; … - 2024

Book / Working Paper

Diffusion in Social Networks : Experimental Evidence on Information Sharing vs Persuasion

Fafchamps, Marcel; Islam, Asad; Pakrashi, Debayan; … - 2024

Book / Working Paper

Financial Literacy and Saving Behavior: Global Cross-Sectional Evidence

Afonso, António; Rodrigues, Eduardo - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015616066

How is wealth distributed across British households? Reassessing the valuation of pensions

Delestre, Isaac; O'Brien, Laurence - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015652457

Household consumption in Colombia: a nonlinear cointegrating approach

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

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015617560

Public savings banks as transformative agents for an eco-social future? : towards a sustainable savings and investment union

Klüh, Ulrich; Naji, Ilia; Ötsch, Silke - 2026 - This version: June 9, 2026

The paper explores whether and how public savings banks can be transformed into meaningful agents of change for a more sustainable financial system. It outlines concrete elements of an ambitious transition program. We take as context the efforts to further integrate European financial markets...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015654674

A model of consumption with mental accounting and heterogeneous agents

Gimeno-Ribes, Jaime - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015655481

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

Horioka, Charles - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015561467

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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

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

D'Astous, Philippe; Glenzer, Franca - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015609287

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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015612455

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://www.econbiz.de, 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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015613930

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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015615839

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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015555380

Pension wealth and the timing of retirement

Andersen, Torben M.; Borgbjerg, Anne Katrine; Maibom, Jonas - 2026

We analyze how pension wealth influences retirement timing using 25 years of Danish administrative panel data on wealth and labor market status. Exploiting early-career variation in firm-specific mandatory pension contribution rates, we study labor supply decisions from age 55 onward. Greater...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015605526

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Pension wealth and the timing of retirement

Andersen, Torben M.; Borgbjerg, Anne Katrine; Maibom, Jonas - 2026

Book / Working Paper

Pension wealth and the timing of retirement

Andersen, Torben M.; Borgbjerg, Anne Katrine; Maibom, Jonas - 2026

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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015591438

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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015580415

Money demand by non-financial corporations

Nocciola, Luca - 2026

We document empirically the money demand by European non-financial corporations by exploiting a unique and brand-new survey on their cash usage in a stress period. We also assess: (i) the relation between cash held and firm size; and (ii) estimate point values of cash holdings and carry out...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015605058

Do local fuel prices affect remote working behaviors and carbon emission savings? : evidence from German panel data

Schmiedeberg, Claudia; Schober, Dominik - 2026

Given the importance of the transport sector for greenhouse gas emissions, both behavioral change will be needed to mitigate climate change in addition to technological innovation. We focus on the case of remote working as a less carbon-intensive substitute to commuting and analyze whether...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015605517

Inequality in comprehensive wealth

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

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015605578

The gold channel : how regional gold saving behavior shapes house price dynamics in Türkiye

Çolak, Mehmet Selman; Şamcı, Mehmet Emre - 2026

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015624567

Revisiting the consumption puzzle at retirement

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

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015626549

Unlocking financial inclusion through solar technology adoption in Malawi

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

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015627454

PFR Fundamentals : Estimating Potential Fiscal Savings

Herrera, Santiago; Isaka, Hironobu - 2026

This Note describes methods for estimating potential fiscal savings across five spending categories—the wage bill, pension payments, capital spending, purchases of goods and services, and social protection spending. The primary methodology compares a country’s spending levels to specific...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628247

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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628420

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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628601

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://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628659

One market, one supervision : rethinking the supervisory landscape for a truly integrated capital market in Europe

Carmassi, Jacopo; Dumora Lemair, Olivier; Evrard, Johanne; … - 2026

This paper provides an evidence-based assessment of the EU supervisory landscape by combining a comprehensive mapping of supervisory models and authorities with an analysis of capital market players across key sectors, including market infrastructures, asset management, and crypto-asset service...

Persistent link: https://www.econbiz.de, ebvufind01.dmz1.zbw.eu/10015628826