The effect of household characteristics on saving behaviour and the theory of savings in Japan

Suruga, Terukazu; Tachibanaki, Toshiaki

doi:10.1007/bf01206281

Cited by 5 publications

(2 citation statements)

References 5 publications

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“…Home ownership has varied effects on household saving behavior in developed and developing countries. In Japan, saving varies across homeowners and renters (Suruga & Tachibanaki, 1991). However, real estate ownership does not have a significant effect on household saving in some developing countries such as Morocco (Abdelkhalek et al, 2009).…”

Section: üNi̇versi̇tepark Bülten | Bulletin • Volume 7 • Issue 2 • 2018mentioning

confidence: 99%

Determinants of Urban Household Saving Behavior in Ethiopia: A Survey Study in Mekelle City

Saliya¹

2018

unibulletin

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This study is conducted under the title "Determinants of Urban Household Saving Behavior in Ethiopia." Its main objective was to empirically investigate the determinants of urban household saving behavior in Mekelle city, Ethiopia. Crosssectional primary data was collected using self-administered open-ended and closedended questionnaires from 150 households from seven sub-cities of Mekelle city. Selection of the sample was by two stage stratified sampling techniques, where the first stage units were sub-cities and the second stage units were the households. Descriptive statistics and binary logistic regression model was used to test the formulated hypotheses. The study found that household headed by a female, total income of household, and saving experience had a positive and significant impact on household saving. However, age of the household head, additional earner in the household, and dependency ratio of the household had a negative and significant influence on household saving. The governing saving motive found in this study was precautionary motive. The study recommended that government in collaboration with financial institutions should promote household saving by introducing different packages of prize-linked promotional savings; government should continue and spend the utmost effort to stabilize inflationary pressures using short-term and long-term strategies; and, government should strive to increase the disposable income of households. This study focused on household saving using only financial saving and employed smaller sample and binary logit regression model. Thus, further research may be undertaken to incorporate larger samples by employing other econometric models such as Heckman sample selection model and OLS regression models.

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Section: üNi̇versi̇tepark Bülten | Bulletin • Volume 7 • Issue 2 • 2018mentioning

confidence: 99%

Determinants of Urban Household Saving Behavior in Ethiopia: A Survey Study in Mekelle City

Saliya¹

2018

unibulletin

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“…Also, Njung’e (2011) showed savings to be positively related to total income and education in a study of households in Kenya. Suruga and Tachibanaki (1991) did a similar study on employees and observed that the higher the educational attainment – namely, from high school to university graduates – the lower the saving rate. They argued that employees with a low level of education are more risk-averse than educated employees, which may negatively affect their saving.…”

Section: Theory and Empirical Evidencementioning

confidence: 92%

Determinants of individual savings among Tanzanians

Mori

2019

RBF

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Purpose Savings help to provide for future personal and households needs. The purpose of this paper examined Tanzanians’ determinants of saving. It studied the relationship between individual characteristics (gender, marital status, age, education level and financial education) and saving behaviour. Design/methodology/approach The paper used 2017 national baseline survey data with 8,959 observations from all over Tanzania. Descriptive analysis and econometric models were used to test the developed hypotheses. Findings Descriptive results show that Tanzanians mainly associate saving with setting money aside to keep it safe for future use. The results also show that most Tanzanians keep their money at home – a very informal way of saving. The results indicate that age and education level are key characteristics that determine positive saving by Tanzanians. Research limitations/implications This study used FinScope survey data which was limited to Tanzania. Since FinScope surveys are done in other African countries, using similar methodologies, it would be interesting to investigate similar trends in other contexts. Practical implications The study recommends promoting awareness of saving in formal institutions. This will benefit not only customers but the financial institutions and mobile telecom companies themselves. Originality/value This study contributes to the life-cycle theory by showing how families, societies and exposures influence individuals to save. Gender and marital status seem to play a lesser role than social- and exposure-related aspects of age and education. Exposure and social interactions are key determinants in the attitude to saving.

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Influence of Demographic Variables on Saving Behaviour of Rural Households – A Study with Reference to Sriperumpudur, Chennai

Rengarajan

Sankararaman²,

Sundaram

et al. 2016

Indian Journal of Science and Technology

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The effect of household characteristics on saving behaviour and the theory of savings in Japan

Cited by 5 publications

References 5 publications

Determinants of Urban Household Saving Behavior in Ethiopia: A Survey Study in Mekelle City

Determinants of Urban Household Saving Behavior in Ethiopia: A Survey Study in Mekelle City

Determinants of individual savings among Tanzanians

Influence of Demographic Variables on Saving Behaviour of Rural Households – A Study with Reference to Sriperumpudur, Chennai

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