Saving For Development
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Author |
: Inter-American Development Bank |
Publisher |
: Springer |
Total Pages |
: 352 |
Release |
: 2016-07-08 |
ISBN-10 |
: 9781349949298 |
ISBN-13 |
: 1349949299 |
Rating |
: 4/5 (98 Downloads) |
Synopsis Saving for Development by : Inter-American Development Bank
Why should people - and economies - save? This book on the savings problem in Latin America and the Caribbean suggests that, while saving to survive the bad times is important, saving to thrive in the good times is what really counts. People must save to invest in health and education, live productive and fulfilling lives, and make the most of their retirement years. Firms must save to grow their enterprises, employ more workers in better jobs, and produce quality goods. Governments must save to build the infrastructure required by a productive economy, provide quality services to their citizens, and assure their senior citizens a dignified, worry-free retirement. In short, countries must save not for the proverbial rainy day, but for a sunny day - a time when everyone can bask in the benefits of growth, prosperity, and well-being. This book is open access under a CC BY-NC-ND 3.0 IGO license.
Author |
: Mark Schreiner |
Publisher |
: Transaction Publishers |
Total Pages |
: 387 |
Release |
: 2011-12-31 |
ISBN-10 |
: 9780202363110 |
ISBN-13 |
: 0202363112 |
Rating |
: 4/5 (10 Downloads) |
Synopsis Can the Poor Save? by : Mark Schreiner
Many policymakers argue that the best poverty policy not only provides cash to the poor for subsistence but also incentives and structures that encourage long-term social and economic improvement. As part of this, they make the case for Individual Development Accounts (IDAs), a new policy proposal designed to help the poor save and to build assets. This book explores IDAs to determine their effectiveness. IDAs are matched savings accounts targeted on low-income, low-wealth individuals. Savings in IDAs are used for home ownership, post-secondary education, small business development, and other purposes. Do IDAs work? If they do, for whom? And does how an IDA is designed determine savings outcomes? This volume is the first analysis of matched savings by the poor to use data from monthly bank statements. It comes at a critical time, as debate rages over the merits of individual social security accounts. IDAs also respond to policy that is becoming more asset based and less inclusive of the poor. The authors argue for the efficacy of IDAs to counter this tendency. They find that while savings outcomes vary among participants, no characteristics (such as low income or public assistance) preclude saving. They examine effects of IDA design (the match rate, savings targets, and the use of automatic transfer) on savings results and analyze factors that influence varying rates of saving and spending over time. They conclude that financial education and other support services, though costly, improve savings performance. To address the issue of cost they suggest a two-tier system of IDA design, one with broad access and simple services and the other with targeted access and intensive services. Can the Poor Save? offers a wealth of lessons to those interested in saving and asset accumulation among the poor. It not only breaks new ground in the scientific study of savings behavior, but also offers concrete, evidence-based recommendations to improve policies designed to encourage the poor to save and how to make such policies more inclusive.
Author |
: Michael Sherraden |
Publisher |
: Routledge |
Total Pages |
: 385 |
Release |
: 2017-09-08 |
ISBN-10 |
: 9781351530231 |
ISBN-13 |
: 1351530232 |
Rating |
: 4/5 (31 Downloads) |
Synopsis Can the Poor Save? by : Michael Sherraden
Many policymakers argue that the best poverty policy not only provides cash to the poor for subsistence but also incentives and structures that encourage long-term social and economic improvement. As part of this, they make the case for Individual Development Accounts (IDAs), a new policy proposal designed to help the poor save and to build assets. This book explores IDAs to determine their effectiveness. IDAs are matched savings accounts targeted on low-income, low-wealth individuals. Savings in IDAs are used for home ownership, post-secondary education, small business development, and other purposes. Do IDAs work? If they do, for whom? And does how an IDA is designed determine savings outcomes? This volume is the first analysis of matched savings by the poor to use data from monthly bank statements. It comes at a critical time, as debate rages over the merits of individual social security accounts. IDAs also respond to policy that is becoming more asset based and less inclusive of the poor. The authors argue for the efficacy of IDAs to counter this tendency. They find that while savings outcomes vary among participants, no characteristics (such as low income or public assistance) preclude saving. They examine effects of IDA design (the match rate, savings targets, and the use of automatic transfer) on savings results and analyze factors that influence varying rates of saving and spending over time. They conclude that financial education and other support services, though costly, improve savings performance. To address the issue of cost they suggest a two-tier system of IDA design, one with broad access and simple services and the other with targeted access and intensive services. Can the Poor Save? offers a wealth of lessons to those interested in saving and asset accumulation among the poor. It not only breaks new ground in the scientific study of savings behavior, but also offers concrete, evidence-based recommendations to improve policies designed to encourage the poor to save and how to make such policies more inclusive.
Author |
: Eduardo Cavallo |
Publisher |
: |
Total Pages |
: |
Release |
: 2016-07-10 |
ISBN-10 |
: 1597822612 |
ISBN-13 |
: 9781597822619 |
Rating |
: 4/5 (12 Downloads) |
Synopsis Saving for Development by : Eduardo Cavallo
Author |
: B. Douglas Bernheim |
Publisher |
: University of Chicago Press |
Total Pages |
: 408 |
Release |
: 1991-05 |
ISBN-10 |
: 0226044041 |
ISBN-13 |
: 9780226044040 |
Rating |
: 4/5 (41 Downloads) |
Synopsis National Saving and Economic Performance by : B. Douglas Bernheim
"... Papers presented at a conference held at the Stouffer Wailea Hotel, Maui, Hawaii, January 6-7, 1989. ... part of the Research on Taxation program of the National Bureau of Economic Research." -- p. ix.
Author |
: Klaus Schmidt-Hebbel |
Publisher |
: World Bank Publications |
Total Pages |
: 54 |
Release |
: 1994 |
ISBN-10 |
: |
ISBN-13 |
: |
Rating |
: 4/5 ( Downloads) |
Synopsis Saving, Investment, and Growth in Developing Countries by : Klaus Schmidt-Hebbel
Author |
: Asli Demirguc-Kunt |
Publisher |
: World Bank Publications |
Total Pages |
: 228 |
Release |
: 2018-04-19 |
ISBN-10 |
: 9781464812682 |
ISBN-13 |
: 1464812683 |
Rating |
: 4/5 (82 Downloads) |
Synopsis The Global Findex Database 2017 by : Asli Demirguc-Kunt
In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals. The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex.
Author |
: Ernst Michanek |
Publisher |
: |
Total Pages |
: 56 |
Release |
: 1974 |
ISBN-10 |
: OCLC:186608352 |
ISBN-13 |
: |
Rating |
: 4/5 (52 Downloads) |
Synopsis Development by Saving by : Ernst Michanek
Author |
: Mercer Mayer |
Publisher |
: HarperCollins |
Total Pages |
: 0 |
Release |
: 2012-09-11 |
ISBN-10 |
: 0061478253 |
ISBN-13 |
: 9780061478253 |
Rating |
: 4/5 (53 Downloads) |
Synopsis Little Critter Phonics Fun by : Mercer Mayer
Learn to read with Little Critter! This 12-book program helps build a foundation for a lifetime of reading fun. The simple stories are full of silly Little Critter antics and feature short and long vowel sounds.
Author |
: Annamaria Lusardi |
Publisher |
: University of Chicago Press |
Total Pages |
: 406 |
Release |
: 2009-10-15 |
ISBN-10 |
: 9780226497105 |
ISBN-13 |
: 0226497100 |
Rating |
: 4/5 (05 Downloads) |
Synopsis Overcoming the Saving Slump by : Annamaria Lusardi
The great majority of working Americans are unprepared to face the difficult task of planning for retirement. In fact, the personal savings rate has been holding steady at zero for several years, down from 8 percent in the mid-1980s. Overcoming the Saving Slump explores the many challenges facing workers in the transition from a traditional defined benefit pension system to one that requires more individual responsibility, analyzing the considerable impediments to saving and evaluating financial literacy programs devised by employers and the government. Mapping the changing landscape of pensions and the rise of defined contribution plans, Annamaria Lusardi and others investigate new methods for stimulating saving and promoting financial education drawing on the experience of the United States as well as countries that have privatized their welfare systems, including Sweden and Chile. This timely volume pinpoints where human resources departments, the financial industry, and government officials have succeeded—or failed—in bridging the way to a new retirement system. As the workforce ages and more pensions disappear each second, Lusardi’s findings will be invaluable for economists and anyone facing retirement.