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Impacts of Financial Literacy on Loan Demand of Financially Excluded Households in China
Lyons, Angela - 2017
Government leaders around the world are designing national strategies to improve financial inclusion for populations traditionally excluded from the financial markets. Financial literacy is a key tool being used to bring economically vulnerable populations into the financial mainstream. We use...
Persistent link: https://www.econbiz.de/10012943090
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Accelerating the Impact of Financial Literacy Training Programmes on Household Consumption by Empowering Women
Koomson, Isaac; Villano, Renato; Hadley, David - 2021
This study examines the impact of a joint financial literacy and women’s empowerment training programme on household consumption as a welfare indicator. Using data collected from a randomised controlled trial conducted in Ghana, we tested for baseline balance and applied ordinary least squares...
Persistent link: https://www.econbiz.de/10013241152
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The (in)validity of the Ricardian equivalence theorem : findings from a representative German population survey
Hayo, Bernd; Neumeier, Florian - 2016 - This version: 29 February 2016
In this paper, we utilise data from a German population survey to test the validity of the Ricardian equivalence theorem (RET). In 2013, 2,000 representatively chosen people were asked whether they have altered their consumption and saving behaviour in response to the significant increase in...
Persistent link: https://www.econbiz.de/10011433976
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The impact of pre-marital sex ratios on household saving in two Asian countries : the competitive saving motive revisited
Horioka, Charles; Terada Hagiwara, Akiko - 2016
This paper estimates a household saving rate equation for India and Korea using long-term time series data for the 1975-2010 period, focusing in particular on the impact of the pre-marital sex ratio on the household saving rate. To summarize the main findings of the paper, it finds that the...
Persistent link: https://www.econbiz.de/10011497711
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Consumption-savings decisions under upward-looking comparisons : conference paper
Drechsel-Grau, Moritz; Schmid, Kai D. - 2014
households who are perceived to be richer, on household savings and consumption. When controlling for own income as well as …
Persistent link: https://www.econbiz.de/10010491182
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The consumption and wealth effects of an unanticipated change in lifetime resources
Jappelli, Tullio; Padula, Mario - 2015
In 2000 Italy replaced its traditional system of severance pay for public employees with a new system. Under the old regime, severance pay was proportional to the final salary before retirement; under the new regime it is proportional to lifetime earnings. This reform entails substantial losses...
Persistent link: https://www.econbiz.de/10011281868
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Consumption and savings in a low interest-rate environment
Hviid, Simon Juul; Kuchler, Andreas - 2017
This paper studies consumption and savings decisions of Danish households before and during the financial crisis as …
Persistent link: https://www.econbiz.de/10011696538
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The response of consumption in Russian households to economic shocks
Stillman, Steven - 2001
changes in household savings are negatively related to exogenous income shocks, with this relationship strongest for low … wealth households. Only models of consumption which include precautionary savings motives can explain why poorer households … both reduce their consumption and increase their savings in response to an exogenous decline in income. …
Persistent link: https://www.econbiz.de/10011405709
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Household saving behavior and credit constraints in the Euro area
Le Blanc, Julia; Porpiglia, Alessandro; Teppa, Federica; … - 2014
We study the role of household saving behaviour, of individual motives for saving and that of perceived liquidity constraints in 15 Euro Area countries. The empirical analysis is based on the Household Finance and Consumption Survey, a new harmonized data set collecting detailed information on...
Persistent link: https://www.econbiz.de/10010388544
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Consumption and Voluntary Savings Response to Service Tax
Seal, Jayanta Kumar - 2020
In this paper, we estimate the effect of a tax policy change on households' consumption and retirement savings behavior …, by using a unique panel data of voluntary retirement savings (PPF) and debit card spending transactions. On average, we … find that households reduce their consumption by 14% and increase their PPF savings by 16% in response to an increase in …
Persistent link: https://www.econbiz.de/10012824255