and unique evidence on which households have savings and how they save. The paper shows that the percentage of savers is … low, and savings are frequently informal. Formal savings are dominated by bank savings, and participation in contractual … and capital market savings is very low in comparison to high-income countries. Poor households are significantly less …

The paper uses a detailed household survey to document precautionary wealth accumulation in Afghanistan, with wealth … being significantly higher for households facing higher income uncertainty. Annual household expenditure on nondurable goods …-conflict areas also build up a reserve of gold and silver. This shift in household portfolio suggests a more substantial decline in …

Using household data from the Russian Longitudinal Monitoring Survey, this paper assesses how aging affects saving. To …

The analysis of household energy consumption patterns is critical for evaluating public mechanisms, such as subsidies … role played by different household characteristics. Using microdata from the Mexican Income Expenditure Surveys, the paper … income deciles and energy consumption and some household characteristics -- pointing to differentiated mechanisms for …

This paper explores an empirical methodology to assess the impacts of trade reforms on household behavior in developing … error, the method overcomes the problem of the endogeneity of unit values. By endogeneizing household income, the model … expenditure and income survey for rural Mexico. It is shown that the corrections suggested in this paper are empirically important …

Private savings play a pivotal role in financing development and sustaining growth. Recently, there have been many … theoretical developments that underpin key determinants of savings behavior, many of which merit empirical investigation …. Understanding the dynamics of the determinants of savings is crucial to inform economic policy and devise reform programs. This …

Working with a private bank in Ghana, this study examines the impacts of a commitment savings product designed to help … clients taking repeated overdrafts break their debt cycles. Overall, the product significantly increased savings with the bank … without increasing overdrafts. However, after accounting for other sources of savings, the study finds that clients with above …

Strengthening women's ownership, control, and use of land, livestock, and savings assets matters for poverty and shared … costly in lost economic output and productivity growth; and women's control over household resources and spending decisions … multiple market failures. On savings, those products with an element of illiquidity and a soft commitment show promise for …