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1
Winanda, Apri, Tri Inda Fadhila Rahma, and Rahmi Syahriza. "Pengaruh Brand Equity Terhadap Loyalitas Nasabah Menabung Tabungan Marhamah Mudharabah Pada PT. Bank Sumut Syariah Kantor Cabang Pembantu Stabat." Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam 2, no. 2 (October 20, 2021): 123–36. http://dx.doi.org/10.22373/jimebis.v2i2.190.
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This study was conducted to determine the effect of brand equity on customer loyalty in saving marhamah mudaraba savings at PT. Bank Sumut Syariah KCP Stabat. The research method used in this study is a quantitative approach. The data collection technique used is the distribution of questionnaires. The analytical technique used in this study is validity, reliability, classical assumptions, multiple linear regression, and hypothesis testing using SPSS version 25. Brand Awareness has a significant and positive relationship with customer loyalty in saving marhamah mudharabah savings. So that if brand awareness increases, customer loyalty in saving marhamah mudaraba savings will increase, and vice versa. Brand Associations have a significant and positive effect on customer loyalty in saving marhamah mudaraba savings. So that if brand associations increase, customer loyalty in saving marhamah mudaraba savings will increase, and vice versa. Brand Loyalty has a significant and positive relationship with customer loyalty in saving marhamah mudaraba savings. So that if brand loyalty increases, customer loyalty in saving marhamah mudaraba savings will increase, and vice versa. Perceived Quality has a significant and positive relationship with customer loyalty in saving marhamah mudaraba savings. So that if perceived quality increases, customer loyalty in saving marhamah mudaraba savings will increase, and vice versa. Brand awareness, brand associations, brand loyalty, and perceived quality together or simultaneously have a significant effect on customer loyalty in saving marhamah mudaraba savings.
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Fredriksson, Cajsa, and Klaas Staal. "Determinants of Household Savings: A Cross-Country Analysis." International Advances in Economic Research 27, no. 4 (November 2021): 257–72. http://dx.doi.org/10.1007/s11294-022-09842-x.
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AbstractThis paper analyses determinants of household savings in a model based on an extension of the disequilibrium savings theory. These extensions follow from the life-cycle and permanent-income theories. Based on panel data for 14 countries spanning the period 2000–2018, fixed-effect least squares and two-stage least squares estimation procedures were used. In line with previous studies, there is strong and robust evidence for the hypotheses of disequilibrium savings theory, specifically, positive effects of unanticipated income changes, unanticipated inflation and the lagged savings rate. There is also robust evidence for the income uncertainty hypothesis that uncertainty has a positive effect on savings. The analysis presents some evidence that social security suppresses savings, but finds no significant effects on the interest rate or old-age dependency ratio. Unexpectedly, the participation rate of the elderly has a significant positive effect in some specifications. These findings contribute to the debate on whether and how governments can influence saving behavior.
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Amusa, Kafayat. "Savings and economic growth in South Africa: A multivariate analysis." Journal of Economic and Financial Sciences 7, no. 1 (April 30, 2014): 73–88. http://dx.doi.org/10.4102/jef.v7i1.131.
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Growth theories highlight the importance of domestic savings for Economic growth. The savings and growth literature points generally to a positive growth effect of domestic savings. For a country like South Africa, where the level of domestic saving is low, the question of the role of savings in economic growth becomes critical. An understanding of the contribution of the different forms of savings in an economy to its economic growth is important, especially to be able to make the proper policy addresses. This paper applies cointegration analysis within a multivariate framework to establish the effect of household, government and corporate savings on economic growth in South Africa. The result indicates that corporate saving has a significant positive relationship to growth in both the long and short run, while household and government saving have no significant impact on growth. There is need for policies that increase the level of domestic savings and also a need to address government policies that impact on both public and household savings rate.
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Thaariq, Rahmanda Muhammad, Arif Anindita, and Hafizha Dea Iftina. "THE INTERNET MIRACLE: THE IMPACT OF INTERNET ACCESS ON HOUSEHOLD SAVING IN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 24, no. 2 (June 30, 2021): 255–82. http://dx.doi.org/10.21098/bemp.v24i2.1650.
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This study analyzes the impact of access to the internet and household saving behavior, in the context of the amount of savings and the saving preferences, in Indonesia. Using the fifth wave of the Indonesia Family Life Survey data, this study finds that there is a positive effect between internet access and household savings. This access includes private internet access and public internet access. Nonetheless, the effect of private internet access differs from public internet access. Private internet access positively impacts both the amount of savings and the saving preferences, whilst public internet access only increases the amount saved, not the saving preferences.
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Has, Annisa Muharni. "Faktor-Faktor yang Mempengaruhi Minat Menabung Nasabah pada Produk Tabungan iB Siaga." BISMA : Business and Management Journal 1, no. 03 (September 30, 2023): 30–39. http://dx.doi.org/10.59966/bisma.v1i3.306.
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This study aims to determine what factors influence the initial interest of Bank KB Bukopin customers in saving using the iB Siaga savings product by using the theory of planned behavior, which includes attitudes, subjective norms and perceptions of behavioral control in order to increase the number of customers saving. This type of research is a quantitative approach. The variables used in this study are attitudes, subjective norms, perceptions of behavior control and interest in saving in the iB Siaga savings product. The data sources used are primary and secondary data. Methods of data collection using a questionnaire. The number of samples used was 84 customer respondents who used the iB Siaga savings product. The data analysis technique used is descriptive analysis, validity test, reliability test, classical assumption test, hypothesis test and multiple linear regression test. The results of the study show that (1) the attitude variable has a significant effect on the customer's intention to save in the iB Siaga savings product. (2) the subjective norm variable has a significant effect on the customer's intention to save in the iB Siaga savings product. (3) the perceived behavioral control variable has no significant effect on the customer's intention to save in the iB Siaga savings product. (4) the variables of attitude, subjective norms and perceptions of behavioral control simultaneously influence customers' interest in saving in the iB Siaga savings product
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MPAATA, Eva, Ernest SAINA, and Naomi KOSKEI. "Social Influence and Saving Behavior among Micro and Small Enterprise Owners in Kampala, Uganda: A Moderated Mediation Model of Financial Literacy and Self-Control." Nile Journal of Business and Economics 7, no. 17 (April 30, 2021): 67–92. http://dx.doi.org/10.20321/nilejbe.v7i17.04.
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This research uses cross-sectional data from 430 micro and small enterprise owners in Kampala, Uganda, to examine the indirect effect of financial literacy on the relationship between social influence and savings behavior. In addition, the study examines the moderating effect of self-control on the relationship between financial literacy and savings behavior, in addition to its moderating role in the relationship between social influence and saving behavior. Finally, it studies the moderating effect of self on the indirect effect of financial literacy on the relationship between social influence and saving behavior. The study is motivated by social cognitive and social capital theories. For the analysis of data, Process Macro is used. Results show that social influence significantly predicts savings behavior, and financial literacy partially mediates by this relationship. Furthermore, self-control moderates the relationship between social influence and savings behavior and also the relationship between financial literacy and savings behavior. Lastly, self-control has a conditional impact on the indirect relationship between social influence and savings actions through financial literacy. Such results add new knowledge to literature and theory.
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Fawaz, Fadi, Eric Frey, and Deborah Piscitiello. "The Effects of HIV Mortality on Saving and Investment in Asia." Asian Journal of Empirical Research 9, no. 1 (February 28, 2019): 1–15. http://dx.doi.org/10.18488/journal.1007/2019.9.1/1007.1.1.15.
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This paper examines the effects of HIV/AIDS mortality on saving and investment in Asia. Annual data for years 1990-2015 from 43 Asian countries. The empirical model also allows for potential gender differences in AIDS mortality to vary the effect on savings and investment. Our research shows that there are gender and wealth differences in how this disease affects the macro economy. An increase in the AIDS mortality rate of either gender reduces saving and investment in low-income countries. In regards to savings, an increase in male AIDS mortality is shown to increase savings. On the other hand, an increase in female AIDS mortality is expected to decrease savings. In terms of investment we find the opposite effects across genders: increasing male AIDS mortality causes decrease in investment (though not statistically significant) and increasing female AIDS mortality increases investment. For low-income countries, we find a negative relationship between AIDS mortality of either gender on saving or investment.
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Berger, Leslie, Jonathan Farrar, and Lu Zhang. "An Empirical Analysis of the Displacement Effect of TFSAs on RRSPs." Canadian Tax Journal/Revue fiscale canadienne 67, no. 2 (2019): 309–33. http://dx.doi.org/10.32721/ctj.2019.67.2.berger.
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The tax-free savings account (TFSA), introduced in 2009, was intended by the Canadian government to provide an alternative catchment for savings in addition to registered retirement savings plans (RRSPs). However, little empirical evidence exists regarding the impact of saving in TFSAs on saving in RRSPs. To investigate this issue, we conduct empirical analysis, using data from Statistics Canada's Longitudinal Administrative Databank, which contains annual TFSA and RRSP contributions for a sample of 20 percent of all Canadian taxfilers. We find evidence of a displacement effect of TFSAs on RRSPs: every 1 percent increase in a TFSA contribution reduces an RRSP contribution by approximately 0.4 percent. Our findings have implications for Canadians' ability to self-fund their retirement, as well as for the Canadian government's ability to generate future tax revenues.
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Modisaatsone, Naledi C. "What Drives Private Saving in Botswana?" Journal of Economics and Behavioral Studies 5, no. 9 (September 25, 2013): 603–11. http://dx.doi.org/10.22610/jebs.v5i9.434.
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This study examines the determinants of private saving in Botswana for the period covering 19942009. We use quarterly time series data to evaluate the magnitude and direction of the effects of key policy and non-policy variables on private saving. The variables examined are inflation, real interest rates, real gross national disposable income, degree of financial depth and dependency ratio. The dependency ratio is included in order to capture the effect of demographic influence on private savings. The stated determinants of savings are articulated in the context of the life cycle hypothesis. We investigate the short and long run behavior of the variables using an ARDL-ECM. The results suggest that there is a positive relationship between household income and their savings. The dependency ratio exerts a negative impact on private savings which supports the Lifecycle Hypothesis. The results also suggest that financial sector development has induced a positive impact on private savings in Botswana. Interest rates have a positive relationship with private savings; and, lastly, inflation has a negative relationship with private savings. Financial depth and real interest rates are the core policy instruments that the government can use to encourage savings in Botswana.
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Jiang, Fan, Jiaqing Chang, Haitao Huang, and Junhong Huang. "A Study of the Interface Fluctuation and Energy Saving of Oil–Water Annular Flow." Energies 15, no. 6 (March 14, 2022): 2123. http://dx.doi.org/10.3390/en15062123.
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Oil–water annular flow is an efficient method of heavy oil transportation for energy-saving. To deeply study the influencing factors of the energy savings of oil–water annular flow, this paper compares the interface fluctuation and energy-saving situation of oil–water annular flow under different pipe structures (such as straight pipe, sudden-contraction pipe, and elbow pipe), flow parameters, and fluid properties. In the straight pipe, the flow parameters can impact the oil–water annular flow pattern and the energy savings, and the interface fluctuation is consistent with the energy savings. The stable oil–water core annular flow has slight interface fluctuation and significant energy savings. At the same time, the influences of pipe structure and fluid properties on energy saving are also analyzed. In the sudden-contraction pipe, the oil–water interface fluctuates, largely due to the sharp changes in flow cross-section, which leads to reduced energy savings. In the elbow, the oil–water interface fluctuates greatly due to the influence of centrifugal force caused by flow direction variation, and also leads to a decline in energy savings. The effects of oil property or annulus liquid property on the interface fluctuates, and the energy savings are analyzed; reducing surface tension is an effective measure to provide an energy-saving effect. These results can provide a reference for the design of heavy-oil-transportation pipelines, the analysis of interface fluctuation, and the energy-saving evaluation of oil–water annular flow.
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Nirwana, Lutfiyah Putri, and Dina Fitrisia Septiarini. "Pengaruh Pertumbuhan Dana Pihak Ketiga Terhadap Laba Perbankan Syariah di Indonesia." Jurnal Ekonomi Syariah Teori dan Terapan 2, no. 8 (December 17, 2015): 642. http://dx.doi.org/10.20473/vol2iss20158pp642-657.
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This research was aimed to find out the partial asnd simultaneous effect of wadi'ah current account, wadi'ah savings, mudharabah saving, and mudharabah deposits to profits in Islamic Banking. This research used quantitative approach. Statistical tool used is the multiple regression time series. The population in this research was Islamic banking industry recorded in Indonesian bank. The sample used is the Islamic Banks and Islamic Business Unit which data summarized in statistical reports of Islamic banking. The research period is January 2009 - October 2014. The simultaneous test resulst were wadi'ah current account, wadi'ah savings, mudharabah saving, and mudharabah deposits simultaneously had significant effect on profits of Islamic banking. The partial test showed that wadi'ah savings has significant effect against Islamic banking profit whereas of wadi'ah current account, mudharabah saving, and mudharabah deposits has no significant effect to Islamic banking profit.
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AKDEMİR, Bülent, and Recep ULUCAK. "The Effect of Foreign Savings on Domestic Savings: Theory and Application." Gaziantep University Journal of Social Sciences 21, no. 4 (October 19, 2022): 2004–22. http://dx.doi.org/10.21547/jss.1153052.
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The increase in the degree of openness of the economies has also increased resource transfers among countries. As seen in the example of the Feldstein-Horioka Hypothesis, this process allows countries to overcome the problem of insufficient existing resources with external resources. In this study, it is examined how foreign direct investments, portfolio investments and other investments (or short and long run external debt flows), which are called foreign savings, have an effect on domestic savings rates. The argument that these resources can reduce domestic savings is known as the Haavelmo Hypothesis. The sample countries of the research are Argentina, Brazil, Chile, India, Indonesia, Russia, Republic of South Africa, Turkey, which are called as Fragile Eight. After the variables were checked for stationarity, the Westerlund Durbin Hausman panel cointegration test was used to determine whether there was a cointegration relationship between them. After confirming the cointegration relationship, Panel Fully Modified Least Squares (FMOLS) and Continuously updated Fully Modified Least Squares (CUP-FMOLS) estimators were used for long-term parameter estimations. The results show that foreign savings have a negative effect on domestic savings. On the other hand, real income per capita and real interest rates are included in the model as control variables as determinants of the traditional saving function. It has been determined that the real interest rate and real income per capita have a positive effect on domestic savings, but the real interest rate has a relatively low coefficient in terms of effect.
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Yadav, Manjit S., and Kent B. Monroe. "How Buyers Perceive Savings in a Bundle Price: An Examination of a Bundle's Transaction Value." Journal of Marketing Research 30, no. 3 (August 1993): 350–58. http://dx.doi.org/10.1177/002224379303000306.
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Although bundling, the selling of two or more products and/or services at a single price, has a history of economic research, marketing-oriented investigations have appeared only recently. This paper examines buyers’ perceptions of overall savings when they evaluate a bundle offer. Such perceptions of overall bundle savings may consist of two separate perceptions of savings, each with a different relative influence: (1) perceived savings on the individual items if purchased separately and (2) perceived additional savings on the bundle. Results of an experiment indicate that additional savings offered directly on the bundle have a greater relative impact on buyers’ perceptions of transaction value than savings offered on the bundle's individual items. The effect of each saving is also influenced by the magnitude of the other saving.
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Kızılarslan, Şaban, and Serdar Göcen. "Determinants of household savings rates: Logistic quantile regression approach." JOURNAL OF APPLIED MICROECONOMETRICS 3, no. 1 (July 5, 2023): 11–22. http://dx.doi.org/10.53753/jame.1944.
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Saving rates have a fundamental economic importance that affects the economic performance of countries and the welfare level of individuals. Savings have been addressed in various ways with alternative economic approaches. The determinants of household savings rates were examined at the level of quantiles in this study. For this purpose, the logistic quantile regression approach proposed for bounded dependent variables was used. Since savings rates have a bounded and continuous structure, it is appropriate to analyze them with this method. Income level has been considered the principal determinant of savings rates and the change in the effect of income on savings rate at the level of quantiles was examined in details. As a result of the analysis performed separately for homeowners and tenants, it was determined that there were differences between the two groups. The change in the income effect was non-linear at the quantile level in both groups. While income was more effective at high savings rates for homeowners, it was more effective at low savings rates for tenants. On the other hand, the effects of other characteristics of the households also differed between the homeowners and the tenants at the level of the quantiles.
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Putricia, Siti Novira, Choiriyah Choiriyah, and Muharir Muharir. "PENGARUH BAGI HASIL PADA PRODUK TABUNGAN MUDHARABAH TERHADAP MINAT MENABUNG NASABAH DI BANK SYARIAH INDONESIA KCP KM 6 PALEMBANG." Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) 1, no. 2 (October 1, 2021): 153–58. http://dx.doi.org/10.36908/jimpa.v1i2.27.
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In Indonesia, the majority are Muslims, so the demand for banks that operate in accordance with sharia has begun to emerge. This study aims to find out how the effect of profit sharing for mudharabah savings products on the interest in saving customers of Bank Syariah Indonesia Km 6 Palembang. The data collection technique in this study used a questionnaire/questionnaire with a population of several mudharabah savings customers. The research method used is simple regression analysis using SPSS software. The results obtained indicate that the profit sharing variable in the mudharabah savings product has a significant effect on the customer's interest in saving.
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Dirir, Sadik Aden, and Kadir Aden. "The Dynamic Effect of Financial Sector Development in Stimulating the Gross National Savings of Djibouti." Management Dynamics in the Knowledge Economy 11, no. 4 (December 1, 2023): 402–25. http://dx.doi.org/10.2478/mdke-2023-0025.
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Abstract Savings are important determinants of wealth. At the macroeconomic level, governments attach importance to saving money in order to make new investments, produce new capital goods, and sustain economic growth. However, due to the high level of internal and external debt in Djibouti, it is nearly impossible for the country to achieve domestic savings. Hereby, the major aim of this study is to examine the dynamic effect of financial sector development in stimulating the gross national saving of Djibouti from the period 1987 to 2021. The paper considered numerous indicators as measurements of the financial sector development including FDI inflows, domestic loans to the private sector, central bank assets to GDP, and money supply. To proceed with the analysis, Non-Linear Autoregressive Distributed Lag (NARDL) was performed and according to the model, the findings highlighted that the Djiboutian financial industry is still in its early development and has not yet made a substantial contribution to boosting the country’s national savings. Nevertheless, the gross national saving of Djibouti was still positively prompted by significant components of the financial sector development, such as the positive shocks of FDI inflows and both the negative shocks of central bank assets and money supply. While both the positive and negative shocks of the credit offered to the private sector were uncovered to diminish the national savings in the long run. In conclusion, the current research will help governments and policymakers understand the best ways to use the financial sector to raise gross national savings. It will also present evidence of how to implement long-term initiatives that can lower public debt and encourage savings. Not to mention, the article provides information on the value of long-term investments.
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Wairooy, Mohammad Ali. "PENGARUH MUTU TABUNGAN DAN PROMOSI PENJUALAN TERHADAP MINAT MENABUNG NASABAH PADA PT. BANK SULSELBAR MAKASSAR." Movere Journal 3, no. 2 (August 2, 2021): 12–24. http://dx.doi.org/10.53654/mv.v3i2.183.
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This study aims to examine and analyze the effect of quality of savings on customer saving interest at PT. Bank SULSELBAR Makassar, To test and analyze the effect of Sales Promotion on Customer Saving Interest at PT. Bank SULSELBAR Makassar, and to test and analyze the effect of the Quality of Savings and Sales Promotion simultaneously on Customers' Interest in Saving at PT. Bank SULSELBAR Makassar. Data collection using primary data obtained from a questionnaire with a population of 165,957 customers and samples using the Slovin formula obtained as many as 100 respondents. The results of the questionnaire have been tested for validity and reliability, as well as tested classical assumptions in the form of normality assumptions and heteroscedasticity assumptions. Methods of data analysis using multiple regression techniques.
Based on the partial analysis (t-test) and simultaneously (Test-f) it turns out that the research results prove that all hypotheses are accepted because the Quality of Savings and Sales Promotion has a positive and significant effect partially and simultaneously on Saving Interest at PT. Bank SULSELBAR Makassar.
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Indah Apriani, Nazori Majid, and Rohana Rohana. "Pengaruh Pendapatan, Pengetahuan Dan Kualitas Pelayanan Terhadap Minat Nasabah Menabungan Emas Di Unit Pegadaian Syariah UIN STS Jambi." Transformasi: Journal of Economics and Business Management 2, no. 1 (March 26, 2023): 227–43. http://dx.doi.org/10.56444/transformasi.v2i1.523.
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Gold Savings is a gold balance deposit service that makes it easier for people to invest in gold savings. Gold savings are one type of investment that is in great demand by the public. This study aims to determine whether or not there is an effect of income, knowledge and quality of service on customer interest in saving gold. This research method is quantitative with multiple linear regression analysis as the analysis tool. The population in this study was 336 respondents, the sample was determined using the slovin formula, the sample in this study was 77 respondents and this research was conducted on customers of the Sharia Pawnshop Unit of UIN Sulthan Thaha Saifuddin Jambi. The results of this study indicate that the results of the F-test of income, knowledge and service quality variables together have a significant effect on customer interest in saving gold, by t-test income does not significantly affect customer interest in saving gold, knowledge has a significant effect on customer interest. saving gold and service quality significantly influence customer interest in saving gold.
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Santosa, Jarot, Denny Mahendra, and Aris Tri Haryanto. "PENGARUH KEPERCAYAAN, PROMOSI DAN KUALITAS PRODUK TERHADAP KEPUASAN DAN LOYALITAS NASABAH TABUNGAN PADA PD BPR BANK DAERAH KLATEN." EXCELLENT 6, no. 2 (December 6, 2019): 124–35. http://dx.doi.org/10.36587/exc.v6i2.591.
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ABSTRACT The purpose of this research is to know and analyze empirically influence of trust, promotion and product quality on satisfaction and loyalty of customer of saving in PD. BPR of Bank Daerah Klaten. The analytical technique used is by using instrument test which includes validity test and reliability test, linearity test, regression analysis, path analysis, t test, F test, coefficient determination test and correlation analysis. Hypothesis test results trust has a significant effect on customer satisfaction. Promotion has a significant effect on customer satisfaction of savings. Product quality has a significant effect on customer satisfaction. Trust has no significant effect on customer savings loyalty. Promotion has a significant effect on customer savings loyalty. Product quality has no significant effect on loyalty. Satisfaction has a significant effect on customer savings loyalty. The result of F test can be concluded jointly variable of trust, promotion, product quality, and satisfaction influence to customer loyalty of saving PD. BPR of Bank Daerah Klaten. The total R2 result of 0.890 can be interpreted as the loyalty of customers of PD saving. BPR Bank Daerah Klaten explained by the variable of trust, promotion, product quality and satisfaction of 89% and the remaining 11% described other variables outside the research model as an example location, service quality and infrastructure facilities. The result of path analysis shows that the influence of trust through satisfaction is the most dominant influence in influencing customer loyalty of PD saving. BPR of Bank Daerah Klaten. Keywords: Trust, Promotion, Product Quality, Satisfaction, Loyalty
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Berger, Leslie, Jonathan Farrar, Ruth Pogacar, and Lu Y. Zhang. ""Tax-Free": The Effect of a Heuristic Cue on the Choice Between a TFSA and an RRSP." Canadian Tax Journal/Revue fiscale canadienne 71, no. 1 (April 2023): 1–32. http://dx.doi.org/10.32721/ctj.2023.71.1.berger.
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The authors investigate whether and, if so, the extent to which a heuristic cue, the term "tax-free," contained in the name of one of the two primary tax-sheltered savings plans in Canada—the tax-free savings account (TFSA)—biases individuals' saving preferences relative to the registered retirement savings plan. On the basis of the heuristic-systematic model of information processing, the authors predict that the term "tax-free" is a favourable heuristic cue that will suppress systematic processing and bias individuals toward selecting a savings plan with this term in its name. They conduct three experiments to test this proposition. Overall, the results suggest that individuals have a clear preference for a tax-sheltered savings plan with "tax-free" in its name—regardless of the content of accompanying explanatory information. The preference for savings plans with "tax-free" in the name may suggest the need for more education and financial advice to reduce the use of heuristics.
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Sergeev, Sergey. "Impact of a power supply scheme on resulting effect of energy-saving measures." Energy Safety and Energy Economy 1 (February 2022): 38–42. http://dx.doi.org/10.18635/2071-2219-2022-1-38-42.
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While implementing energy-saving measures, it is sufficient to know that the said measures show a considerable saving effect even if the exact sum of effects is not known. The author presents a new methodology to quantify the resulting energy savings received from different energy-saving measures. It was found that economic effects of all parts of the process are not an exact sum and the result depends on a power supply scheme type. This research confirms the fact that predictable and real economic effects are not the same. It is helpful for finding the resulting economic effect and profitability of energy-saving measures.
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Maftuhin, Muhammad, and Deni Kusumawardani. "Household Saving Behavior on Formal Financial Institutions in Urban and Rural Areas." Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi 17, no. 1 (March 27, 2022): 40–53. http://dx.doi.org/10.24269/ekuilibrium.v17i1.2022.pp40-53.
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This research aimed to examine the household saving behavior on formal financial institutions in urban and rural areas. The data sources of this research from the Central Bureau of Statistics (BPS), namely the 2018 Indonesia national socio-economic survey (SUSENAS) and the 2018 Indonesia village potential survey (PODES).The research sampleswere 126 539 households in urban and 168 562 households in rural spread over 34 provinces in Indonesia. The analytical method used logistic regression to determine the household behavior in the savings ownership in a formal bank institution.Several factors that affect savings ownership included socio-demographic and institutional factors. The estimation results showed that all socio-demographic factors affected savings ownership in urban, while institutional factors, namely government bank and private banks did not have a significant effect. Otherwise, institutional factors had a significant effect on savings ownership in rural, while socio-demographic factors (house ownership) did not havea significant effect. The findings were very important to improve saving behavior and provide alternative policies related to banking infrastructure development in Indonesia.
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Putri, Sania Adela, and Nurul Jannah. "Pengaruh Kualitas Pelayanan dan Bagi Hasil Terhadap Minat Menabung Masyarakat pada Tabungan Marhamah PT. Bank Sumut Cabang Pembantu Syariah Panyabungan." Regress: Journal of Economics & Management 2, no. 2 (December 5, 2022): 264–70. http://dx.doi.org/10.57251/reg.v2i2.311.
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This study aims to determine the effect of service quality and profit sharing on the interest in saving the Panyabungan community on the Marhamah savings of PT Bank Sumut Panyabungan Syariah Branch Office. The dependent variable in this study is the saving interest of the Panyabungan community in Marhamah's savings, while the independent variables consist of service quality and profit sharing. The sample used in this study were 93 customers. This study uses a questionnaire as primary data then the data results are analyzed using linear regression analysismultiple. The results of this study indicate that service quality and profit sharing have a significant effect on the interest of the Panyabungan community to save on Marhamah's savings at PT Bank Sumut Panyabungan Sharia Sub-Branch Office
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Lianda, Lianda, Israk Ahmadsyah, and Evy Iskandar. "STUDENTS UNDERSTANDING OF SAVINGS PRODUCTS AND SERVICE QUALITY OF BANK TOWARDS THE SAVING INTEREST IN ISLAMIC BANK religiosity as moderating variable (Studies of the student of Islamic Banking Department UIN Ar-Raniry in 2015 Entrance Year)." Journal of Malikussaleh Public Economics 1, no. 2 (January 29, 2020): 50. http://dx.doi.org/10.29103/jmpe.v1i2.2214.
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The aim of this study is to see the impact of student understanding of the bank's products and services of Islamic banks on the interest of saving by adding religiosity as a moderating variable. The study uses purposive sampling to select 70 respondents. The study employs the MRA (Moderated Regression Analysis) to analyze the data. The results showed that the students' understanding of savings products have a significant effect on the interests of saving. While the quality of service has no significant effect on the interest of saving. Moderating variables or religiosity is associated with a student's understanding has a significant effect of savings products. Next, religiosity is associated with the quality of bank services also have a significant effect.
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Pitonáková, Renáta. "Private Sector Savings." Danube 9, no. 1 (March 1, 2018): 1–17. http://dx.doi.org/10.2478/danb-2018-0001.
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Abstract The majority of household savings are in the form of bank deposits. It is therefore of interest for credit institutions to tailor their deposit policy for getting finances from non-banking entities and to provide the private sector with the loans that are necessary for investment activities and consumption. This paper deals with the determinants of the saving rate of the private sector of Slovakia. Economic, financial and demographic variables influence savings. Growth of income per capita, private disposable income, elderly dependency ratio, real interest rate and inflation have a positive impact on savings, while increases in public savings indicate a crowding out effect. The inflation rate implies precautionary savings, and dependency ratio savings for bequest. There are also implications for governing institutions deciding on the implementation of appropriate fiscal and monetary operations.
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Peiris, T. U. I. "Effect of Financial Literacy on Individual Savings Behavior; the Mediation Role of Intention to Saving." European Journal of Business and Management Research 6, no. 5 (September 12, 2021): 94–99. http://dx.doi.org/10.24018/ejbmr.2021.6.5.1064.
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This study investigated the effect of financial literacy on savings behavior, considering the mediation effect of intention to savings. A structured questionnaire was distributed among 206 employed individuals in the Colombo district, Sri Lanka. Three Stage Least Squares technique was initially used to analyze the structural equations model fitted to measure the hypothesized mediation effect. Then the result was rousted using path analysis. The findings indicated that financial literacy has a direct and positively significant influence on savings behavior. Moreover, the mediation effect of intention was also found as positively significant in the above relationship. This indicates that the knowledge of the financial system leads to good savings behavior, and especially it creates an intention to save more. Therefore, policymakers and financial institutions can consider enhancing financial literature among individuals as a worthy strategy when encouraging savings as it both encourages savings behavior and the intention to do so.
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Peiris, T. U. I. "Effect of Financial Literacy on Individual Savings Behavior; the Mediation Role of Intention to Saving." European Journal of Business and Management Research 6, no. 5 (September 12, 2021): 94–99. http://dx.doi.org/10.24018/ejbmr.2021.6.5.1064.
Full textAbstract:
This study investigated the effect of financial literacy on savings behavior, considering the mediation effect of intention to savings. A structured questionnaire was distributed among 206 employed individuals in the Colombo district, Sri Lanka. Three Stage Least Squares technique was initially used to analyze the structural equations model fitted to measure the hypothesized mediation effect. Then the result was rousted using path analysis. The findings indicated that financial literacy has a direct and positively significant influence on savings behavior. Moreover, the mediation effect of intention was also found as positively significant in the above relationship. This indicates that the knowledge of the financial system leads to good savings behavior, and especially it creates an intention to save more. Therefore, policymakers and financial institutions can consider enhancing financial literature among individuals as a worthy strategy when encouraging savings as it both encourages savings behavior and the intention to do so.
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Banquerigo, Nicole T., Angelica P. De Guzman, Christiana Kyle LP Dela Cruz, Elijah Marie S. Estabas, Eilysea S. Geronimo, Jovette DJ Torres, Ryan Jay C. Dayao, Ivy Q. Cacayuran, and Christian Jay DG Porciuncula. "ANALYZING THE EFFECT OF ALLOWANCE FREQUENCY ON SAVINGS ALLOCATION OF THE JUNIOR TOURISM MANAGEMENT STUDENTS AT NATIONAL UNIVERSITY-BALIWAG." Cognizance Journal of Multidisciplinary Studies 4, no. 6 (June 30, 2024): 334–43. http://dx.doi.org/10.47760/cognizance.2024.v04i06.020.
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The purpose of this study was to provide data analysis regarding the effect of allowance frequency on Junior Tourism Management students of National University-Baliwag and their savings allocation. Subsequently, this study was done to understand how the students often rely on allowances for their saving portion, spending behavior, and financial goals. This study used the descriptive correlational method. A combination of a researcher-made and standardized questionnaire by Thung, et al. (2012) was used as an instrument for data collection. The study’s findings revealed that the students who receive their allowances more frequently, particularly daily, tend to have a higher perception of their financial well-being. Even though they grasp the significance of saving, only a small fraction of the allowance is allocated toward savings. Therefore, the researchers conclude that allowance frequency is not a significant factor in savings allocation. This emphasizes the need for practical financial education to bridge the gap between knowledge and saving behavior.
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Wang, Jiaying, Sijie Wang, and Xiaorong Lin. "Research on the influence mechanism of child dependency ratio on household saving rate." Highlights in Business, Economics and Management 8 (April 11, 2023): 69–76. http://dx.doi.org/10.54097/hbem.v8i.7166.
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High family savings rate has always been an important feature of China's economy. With the gradual opening of China's birth policy, the high family savings rate is closely related to children's dependency ratio. Based on the data of CFPS in 2018, the regression results show that: first, the child dependency ratio enhances the precautionary savings of families and increases the household savings rate; Second, generational care makes the parents' lasting income more stable, so under the condition of the same child support ratio, households with generational care have a lower savings rate; Third, the ratio of child dependency in eastern and western families has a significant positive effect on saving rate, while the central region has no significant effect. Finally, it puts forward some suggestions on strengthening social security, advocating intergenerational care and narrowing the gap between East and west China.
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Gröbel, Sören, and Dorothee Ihle. "Saving Behavior and Housing Wealth Evidence from German Micro Data." Jahrbücher für Nationalökonomie und Statistik 238, no. 6 (October 25, 2018): 501–39. http://dx.doi.org/10.1515/jbnst-2017-0118.
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Abstract Housing property is the most important position in a household’s wealth portfolio. Even though there is strong evidence that house price cycles and saving patterns behave synchronously, the underlying causes remain controversial. The present paper examines if there is a wealth effect of house prices on savings using household-level panel data from the German Socio-Economic Panel for the period 1996-2012. We find that young homeowners decrease their savings in response to unanticipated house price shocks, whereas old households hardly respond to house price changes. Although effects are relatively low in magnitude, we interpret this as evidence of a housing wealth effect.
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Njeru, Caroline Wawira. "Microfinance Services and Household’s Income among Saving and Internal Lending Community Groups in Evurore Ward, Embu County, Kenya." Journal of Finance and Accounting 8, no. 7 (June 28, 2024): 15–27. http://dx.doi.org/10.53819/81018102t4273.
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The research established loans, savings and training services effect on the income of household’s income among saving and internal lending community groups in Evurore Ward of Embu County, Kenya. Greeman Bank model, Saving-Asset Accumulation model and Village Saving Model served as theoretical base of the study. Descriptive design was implemented following a population of 562 SILC practicing group members in Evurore Ward where proportionate sampling technique was applied to arrive at 291 respondents. Primary data was sourced employing the utilization of structured questionnaire. The outcome unveiled a significant positive effect of microfinance loans on household’s income; the effect of microfinance savings on household’s income among SILC groups was not statistically significant but positive; microfinance training had a significant positive effect on household’s income among SILC groups in Evurore Ward, Embu County, Kenya. The survey recommends that to further enhance the income-generating potential of SILC groups, it is necessary to promote increased access to microfinance loans. This can be achieved by collaborating with microfinance institutions, NGOs, and government agencies to expand the availability of microfinance loan programs tailored to the needs of SILC groups in the area. Keywords: Microfinance Services, Microfinance Lending, Microfinance Training, Microfinance Savings, Household Income
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Hendro P, Moch Aditya, and Ririt Iriani Sri Setiawati. "Analysis of Some Factors Affecting Interest Rate Deposits And Savings At Umu Bank In East Java." Jurnal Dinamika Ekonomi Pembangunan 1, no. 1 (August 7, 2018): 46–55. http://dx.doi.org/10.33005/jdep.v1i1.69.
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The purpose of this study is to find out how many factors affect the rate of deposits and savings at commercial banks in East Java. This study uses secondary data for 15 years since 2001-2015 by using multiple linear regression analysis to determine the effect simultaneously and partially from Inflation variable, Gross Regional Domestic Product, Total Money Supply, Return On Assets to variable Interest Rate Deposit Rate And Savings as dependent variable. The results showed that simultaneously all the independent variables (X) affect the level of Deposits and savings. Partially variable of GRDP, JUB, ROA have an effect on significantly to deposit and saving interest rate while Inflation variable has no significant effect.
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Wahyuningrum, Rita Nur, and Aan Zainul Anwar. "ANALISIS PENGARUH INFLASI, PRODUK DOMESTIK BRUTO (PDB), DAN NILAI TUKAR TERHADAP TABUNGAN MUDHARABAH PADA BANK UMUM SYARIAH (PERIODE 2013-2017)." JESI (Jurnal Ekonomi Syariah Indonesia) 8, no. 2 (February 26, 2019): 138. http://dx.doi.org/10.21927/jesi.2018.8(2).138-147.
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<p>This study aims to analyze the effect of inflation, gross domestic product (GDP) and rupiah exchange rate on Mudharabah savings in Islamic banking in Indonesia. The data used is time series data for the period March 2013 to September 2017, which was published by Bank Indonesia from the Islamic Banking Statistics Report and the Central Statistics Agency. The technique of analyzing the research is qualitative with the method of Multiple Linear Regression. The results of this study indicate that simultaneously the Inflation, Gross Domestic Product (GDP) and Exchange Rate variables together have a significant effect on Mudharabah Savings. While partially only the Exchange Rate variable has a significant effect on Mudharabah Savings. Inflation Variables and Gross Domestic Product (GDP) have no significant effect on Mudharabah Savings.</p><p> </p><p>Keyword: inflation, gross domestic product, exchange rate, mudharabah saving</p>
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Aguila, Emma. "Personal Retirement Accounts and Saving." American Economic Journal: Economic Policy 3, no. 4 (November 1, 2011): 1–24. http://dx.doi.org/10.1257/pol.3.4.1.
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Aging populations are leading countries worldwide to social security reforms. Many countries are moving from pay-as-you-go to personal retirement account (PRA) systems because of their financial sustainability and positive impact on private savings. PRA systems boost private savings at a macro level by converting a government liability into financial wealth managed by private fund managers. However, at a micro level, changes in retirement wealth affect individuals' saving and consumption patterns through their working lives. Retirement wealth increased for lower-income workers after Mexico introduced PRAs, crowding out saving, increasing consumption, and offsetting some of the PRA effect on private savings. (JEL D14, E21, H55, J26, O16)
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HONG, MINKI. "Decomposition of effects of social security on private savings." Journal of Pension Economics and Finance 11, no. 3 (March 15, 2012): 419–38. http://dx.doi.org/10.1017/s1474747212000017.
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AbstractThe main aim of this paper is to decompose the effects of social security on private savings and quantify to what extent each factor that impacts saving behavior account for the effects of social security. For this purpose, I estimate a stochastic dynamic model in which households facing income and survival uncertainty choose optimal levels of consumption, asset holdings and labor supply. In this model, social security pensions reduce private assets by less than 10%. Bequest and precautionary savings motives are the main reasons of this partial offset. Uncertainty on future benefits has no role to play on the effect.
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Mlawasi, Andrew Kubo. "Financial Risk and Profit Persistence of Deposit-Taking Savings and Credit Cooperatives in Kenya." Journal of Finance and Accounting 7, no. 1 (January 28, 2023): 22–43. http://dx.doi.org/10.53819/81018102t4121.
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Compliance with the prudential standards as prescribed in the saving and Credit Cooperatives Societies Act 2008 and the subsequent regulation of 2010 has continued to be a problem. The study sought to establish the effect of financial risk on profit persistence of deposit taking savings and credit co-operatives. To achieve this, the study was directed by specific objectives that included: establishing the effect of credit risk, risk of liquidity, market risk and risk of investment on profit persistence of deposit taking savings and credit co-operatives. The study also sought to establish the moderating effect of operational efficiency on the relationship between financial risk and profit persistence of deposit taking savings and credit co-operatives. The study targeted 174 deposit-taking saving and Credit Cooperatives as per the records at Sacco Societies Regulatory Authority 2022. This study was anchored on the agency theory, stakeholders’ theory, and the enterprise risk management theory. This study used a descriptive study approach. The sample population of the study included 174 deposit-taking savings and credit cooperatives, this was a census study. The study used secondary data from audited financial statements. The study findings revealed that credit risk was negatively and significantly related with profit persistence of deposit taking savings and credit co-operatives in Kenya (β=-0.0224311, p=0.000); liquidity risk was negatively and significantly related to the profit persistence of deposit taking savings and credit co-operatives in Kenya (β= -0.0522383, p=0.001); market risk positively and significantly related to the profit persistence of deposit taking savings and credit co-operatives in Kenya (β=0.0305016, p=0.025) and investment risk was negatively and significantly related to the profit persistence of deposit taking savings and credit co-operatives in Kenya (β=-0.0811061, p=0.040). Moreover, the study established that operational efficiency had significant moderating effect on the relationship between financial risk and profit persistence of deposit taking savings and credit co-operatives in Kenya. The study concludes that financial risks exposure for deposit taking savings and credit co-operatives in Kenya influences their profit persistence significantly because of their nature of operation. The study thus recommends that the managements of deposit taking savings and credit co-operatives in Kenya should consider employing portfolio-level controls to mitigate financial risks in their establishments. Keywords: Financial risk, credit risk, risk of liquidity, market risk, risk of investment operational efficiency, profit Persistence
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Shabor Rameli, Rozilah, and Maran Marimuthu. "A Conceptual Review on the Effect of Attitudes towards Retirement on Saving Intentions and Retirement Planning Behavior." SHS Web of Conferences 56 (2018): 02005. http://dx.doi.org/10.1051/shsconf/20185602005.
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Retirement planning has been the major concern for many years and is becoming an increasingly prominent issue faced by people nowadays. Retirement planning behavior is defined as people’s behavior towards their retirement planning. Therefore, attitudes toward retirement might lead to the formation of saving intentions to perform the retirement planning behavior. Past studies have indicated that planning has impacted on the saving behavior as well as to the portfolio choice. It is further emphasized that those planners who have retirement planning arrive close to retirement have a high level of wealth and show higher financial literacy than non-planners. The necessity of individuals to increase retirement savings had over a wide promoted, however, the understanding on individual motivation towards savings at higher rates still remains sparse. For those employees who are willing to retire from work, they should have enough savings to cover their needs during retirement. Unfortunately, findings from previous study showed that many people do not start to prepare and save for their retirement till very late in life-cycle, and do not manage to have adequate savings for their retirement. As a contribution to the literature, the present paper theoretically conceptualizes specifically only on the role of savings intention as a mediator between attitudes toward retirement and retirement planning behavior. Drawing on the theory of planned behavior, it is suggested that the behavioral intention is the closest predictor of behavior. Hence, the stronger the intention to perform a behavior, the greater the probability that the behavior should occur. The recommendations for future studies are proposed.
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Hsueh, Li-Min. "International Real Estate Review." International Real Estate Review 3, no. 1 (June 30, 2000): 11–33. http://dx.doi.org/10.53383/100019.
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The purpose of this research is to empirically test whether house price increases are an important factor in a household’s savings decisions and whether housing tenure choice and savings behavior are inter-correlated in Taiwan. Heckman's two-stage procedure for correcting sample selection bias is used in the estimation of savings function for homeowners and renters. Household survey data from 1985, 1989 and 1993 are used to compare households' saving behavior at different times. The empirical results show that in some cases the coefficients of the two different definitions of house price increases have opposite signs. These differences may be the result of different behavior motives. House price increases with respect to the price of the house itself seem to cause concern among households about future housing prices; hence, increase their savings ratio. House price increases with respect to income, however, seem to cause a wealth effect and then decreased savings ratio. Considering the complexity of households' reaction, the overall effect of house price changes on the aggregate savings ratio becomes impossible to determine.
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Iqbal, Zafar. "Institutional Variations in Saving Behaviour in Pakistan." Pakistan Development Review 32, no. 4II (December 1, 1993): 1293–311. http://dx.doi.org/10.30541/v32i4iipp.1293-1311.
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Savings and investment are two variables that play a significant role in accumulation. Variations in these key variables have a significant impact on economic growth, employment and inflation. A thorough understanding of their determlnants provides an important insight into the development process and aids in policy formulation. Such knowledge is also necessary to trace the consequences on growth and employment which may work through savings and investment behaviour. A particularly useful approach to understanding the macro-behaviour of saving and investment is to conduct an empirical analysis in terms of institutional agents. In fact, most of the current work in Pakistan is restricted to estimating aggregate savings functions which are not sufficient for analysis of savings behaviour mainly because various institutional agents may respond differently to economic signals. For example, foreign interest rates may attract private savings to transfer abroad, while the public sector may generate its own savings in response to increasing foreign interest rates. It can also be argued that the inflow of foreign capital may encourage private savings through direct foreign investment and discourage public savings through the substitution effect. Many other examplescan be quoted on theoretical background. Therefore, it may be useful to estimate disaggregated saving functions. The question, "are there institutional variations in the savings behaviour of household. corporate and public sectors in Pakistan?" will be the main focus of this paper.
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Nakamura, Hideo, Jia Sun, Sei Takahashi, and Masanori Yamamoto. "Development of Advanced Train Control System in Japan and its Energy Saving Effect." Advanced Materials Research 512-515 (May 2012): 1326–32. http://dx.doi.org/10.4028/www.scientific.net/amr.512-515.1326.
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Railways are an energy-efficient mode of transportation. Even so, efforts are being made to attain even further energy savings. The latest train-car model of the Shinkansen bullet train, while achieving enriched functionality and improved performance, has attained a 49% energy reduction compared with the 0-series Shinkansen train-cars that debuted at the start of Shinkansen's operation. Also, in the underlying train control system, technologies that will lead to energy reduction have been developed. In order to achieve further energy savings and higher-performance train control, we are developing a new train control system known as Automatic Train Protection and Block System (sometimes referred to ATP-Block system here). This new control system produces a high energy-saving effect compared with conventional signal systems based on ground equipment. We believe that realization of low-cost, highly functional energy-saving Railways will bring back users of automobiles and airlines to Railways, contributing to global energy saving and helping to prevent environmental destruction.
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Chaniago, Nuraini, and R. Adjeng Entaresmen. "DETERMINASI MINAT NASABAH MENABUNG DI BANK SYARIAH MILIK PEMERINTAH." Media Ekonomi 30, no. 1 (September 5, 2022): 30–41. http://dx.doi.org/10.25105/me.v30i1.9996.
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This study aims to examine the factors that influence customer interest in saving at Islamic banks. Samples were taken from 111 respondents with the results of data quality testing showing all the indicators that make up the variables in this study, namely service quality, religion and promotion. valid and reliable so that it can be continued for hypothesis testing. To test the hypothesis, the Multiple Linear Regression analysis tool is used. The results of hypothesis testing prove that service quality, religion, and promotion together have a direct effect on interest in saving in Islamic banks. Religion and promotion partially have a significant effect on interest in savings in Islamic banks while the service variable is not proven to have an effect on interest in savings.
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Andi Sawe Riesso, Nurlaila Syarfiah Asfo, and Suharto. "Analisis Stategi Pemasaran Jasa Menghadapi Pesaing Terhadap Usaha Laundry (QNC Laundry Toddopuli)." Journal of Economic Education and Entrepreneurship Studies 3, no. 2 (December 7, 2022): 437–46. http://dx.doi.org/10.26858/je3s.v3i2.117.
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This study aims to analyze the effect of people's income, interest rates and inflation on savings in Indonesia. The independent variables in this study are people's income, interest rates and inflation, while the dependent variable is the amount of savings. The population in this study is data on public income, interest rates and inflation, while 15 samples were used, namely from 2005 to 2019. The research data was obtained from publications from the Central Bureau of Statistics (BPS) and Bank Indonesia. The data analysis technique used is multiple linear regression analysis. Based on the results of data analysis conducted in this study, it can be concluded that: (1) people's income has a positive effect on saving in Indonesia; (2) interest rates and inflation have no effect on savings in Indonesia.
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Sri Astuty, Diah Retno Dwi Hastuti, Citra Ayni Kamaruddin, and Muhammad Ilyas Thamrin Tahir. "Analisis Faktor-Faktor yang Memengaruhi Tabungan di Indonesia." Journal of Economic Education and Entrepreneurship Studies 3, no. 2 (December 2, 2022): 335–43. http://dx.doi.org/10.26858/je3s.v3i2.109.
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This study aims to analyze the effect of people's income, interest rates and inflation on savings in Indonesia. The independent variables in this study are people's income, interest rates and inflation, while the dependent variable is the amount of savings. The population in this study is data on public income, interest rates and inflation, while 15 samples were used, namely from 2005 to 2019. The research data was obtained from publications from the Central Bureau of Statistics (BPS) and Bank Indonesia. The data analysis technique used is multiple linear regression analysis. Based on the results of data analysis conducted in this study, it can be concluded that: (1) people's income has a positive effect on saving in Indonesia; (2) interest rates and inflation have no effect on savings in Indonesia.
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Luo, Taolu, Guiliang Tian, Jiawen Li, and Xiaosheng Han. "A Comprehensive Analysis of China’s Water Resources Tax Reform." Sustainability 16, no. 5 (March 5, 2024): 2162. http://dx.doi.org/10.3390/su16052162.
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In response to the growing disparity between the supply and demand of water resources, the Chinese government has piloted a more binding and reformed water resources tax to realize the sustainable utilization of water resources. However, reasonable tax standards and their water-saving effects and economic benefits are important and worthy of attention. Therefore, in this study, we combine the virtual water theory with the price input–output model to discuss the impact of water resources taxation on the economy and its water-saving effects. The results show the following: (1) A water resources tax has a significant water-saving effect, and is predicted to save 33.12 billion cubic meters of virtual water. (2) Consumers’ expected reductions in spending on food and tobacco manufacturing and agriculture are predicted to save more virtual water at a lower economic cost. (3) The collection of water resources taxes can actively and simultaneously guide water savings in terms of consumption and production. The water consumption of the construction industry is worthy of attention. The expected output value reduction accounts for 67.2% of the total output value reduction, and its water savings account for 96% of the total water savings. Other service sectors also have ample room to optimize the utilization of their water resources.
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Erasmus, Coert Frederik, and Johan van Huyssteen. "Pension fund regulation: Unintended consequences of foreign investment restrictions in an emerging market economy." Risk Governance and Control: Financial Markets and Institutions 6, no. 4 (2016): 485–93. http://dx.doi.org/10.22495/rgcv6i4siart6.
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Retirement savings allow investors to earn income after retirement by saving while being part of the workforce. Retirement savings comprise the largest portion of retirement savings and should be safeguarded by effective regulation. To safeguard retirement savings, exposure to foreign asset investments is limited. However, in an emerging economy, limiting foreign asset investments, especially investment in developed markets, could hamper the potential investment returns due to the translation risk. To assess the effect of translation risk, a preservation provident fund was used in the present study to determine whether the returns of this preservation provident fund would be adversely affected by investment allocation regulation. The findings indicated how the translation effect affected the preservation provident fund, illustrating the adverse unintended consequences of investment regulation in emerging market economies. Consequently, regulators should reconsider the maximum allowed foreign asset investment in pension fund regulations to enhance investment returns from foreign asset investments
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Mohammad Hatta, Mohammad Firdaus, Nur Diniey Ezzati Zainorin, Syuhada Jalaludin, Norzanah Mat Nor, and Suriana Ramli. "FINANCIAL ROBO-ADVISOR SAVINGS2U FOR SHARIAH-COMPLIANT SAVINGS AND INVESTMENT APPLICATION." Journal of Information System and Technology Management 7, no. 29 (December 1, 2022): 70–85. http://dx.doi.org/10.35631/jistm.729006.
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The growing usage of artificial intelligence such as Robo-Advisor has become one of the biggest developments in the global economy and reduces the level of poverty in the country with a safe, affordable and frictionless environment. In practice, Malaysians have low awareness and not financial discipline about personal savings and financial management. Most of Malaysian people have problems with their retirement planning because they really rely on their EPF funds as their primary source of income. The purpose of this product is to create awareness about the importance of savings and investment for all generations, reduce future financial issues faced by consumers, and encourage people to build wealth based on customer preference. As a result, customers will be more likely to develop a good habit of saving their money for the future and achieving their financial goals. This study used quantitative and secondary data which is collected from The World Bank website. We develop an application of financial Robo-Advisor known as Savings2u that focus on savings and Shariah compliance investment features based on customer risk preference such as conservative or aggressive then let the money grow digitally. In conclusion, Savings2u will help the customer to create and manage the portfolio automatically using the data provided. On the other hand, an increase in total savings would have a beneficial effect on the economic growth, which includes significant investments and an improvement in GDP of the country. Furthermore, countries with deeper and established financial systems also experienced stronger economic growth.
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Zheng, Yuanfan, and Qihao Weng. "Modeling the Effect of Green Roof Systems and Photovoltaic Panels for Building Energy Savings to Mitigate Climate Change." Remote Sensing 12, no. 15 (July 27, 2020): 2402. http://dx.doi.org/10.3390/rs12152402.
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Green roofs and rooftop solar photovoltaic (PV) systems are two popular mitigation strategies to reduce the net building energy demand and ease urban heat island (UHI) effect. This research tested the potential mitigation effects of green roofs and solar photovoltaic (PV) systems on increased buildings energy demand caused by climate change in Los Angeles County, California, USA. The mitigation effects were assessed based on selected buildings that were predicted to be more vulnerable to climate change. EnergyPlus software was used to simulate hourly building energy consumption with the proper settings of PV-green roofs. All buildings with green roofs showed positive energy savings with regard to total energy and electricity. The savings caused by green roofs were positively correlated with three key parameters: Leaf Area Index (LAI), soil depth, and irrigation saturation percentage. Moreover, the majority of the electricity-saving benefits from green roofs were found in the Heating, Ventilation, and Cooling (HVAC) systems. In addition, this study found that green roofs have different energy-saving abilities on different types of buildings with different technologies, which has received little attention in previous studies.
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Nadia Intan Carolina and Khusnudin. "The Influence Of Product Quality, Service Quality, and Promotion On The Decision To Saving of Bank Syariah Indonesia Customers In Malang City." Syarikat: Jurnal Rumpun Ekonomi Syariah 7, no. 1 (June 30, 2024): 210–23. http://dx.doi.org/10.25299/syarikat.2024.vol7(1).12992.
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The purpose of this study was to examine and analyze the effect of product quality, service quality and promotion on the saving decisions of Bank Syariah Indonesia customers in Malang City. The research approach used is quantitative research. The sampling technique in this study used the Non Probability Sampling technique with a purposive sampling method. The sample required is 85 respondents with the criteria of Bank Syariah Indonesia customers who have savings and savings accounts for the period January 27 2021 until now and are domiciled in Malang City. The data used in this study are primary data and secondary data. Data processing and analysis in this study used an analytical tool in the form of the SPSS version 24 application which aims to calculate statistical values in the form of data quality testing, classical assumption testing, hypothesis testing, and multiple linear regression analysis. The results of this study indicate that product quality (X1) partially has a significant effect on saving decisions (Y), service quality (X2) partially has no significant effect on saving decisions (Y), Promotion (X3) partially has a significant effect on saving decisions. (Y), and product quality (X1), service quality (X2) and promotion (X3) simultaneously have a significant effect on saving decisions (Y).
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Wambaka, Kosea. "Impact of Bilateral and Multilateral Aid on Domestic Savings in Low and Middle-Income Sub Sahara African Countries: Mediating Role of Institutional Quality." International Business Research 16, no. 1 (December 21, 2022): 26. http://dx.doi.org/10.5539/ibr.v16n1p26.
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The purpose of the study was to examine the impact of bilateral and multilateral aid on domestic savings in SSA countries, and assess whether the impact depends on the quality of institutions. Using a panel data set of 28 selected SSA countries from 1996 – 2015, a model was specified and estimated using the techniques of random effects based on results of the Hausman test. The results show that only bilateral aid has a significant negative impact on domestic savings of SSA countries, implying a crowding-out effect. However, the impact of multilateral aid was found insignificant. After interacting bilateral and multilateral aid with institutional quality, it turns out that the negative impact of bilateral aid persists whereas multilateral aid shows a positive impact on domestic savings. It is interesting to note that aid regardless of the composition crowds out domestic savings in middle income SSA countries even after interacting with institutions, while for the case of low income countries, foreign aid particularly multilateral aid complements domestic saving if accompanied with improvement in the quality of institutions.
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Lee, Yun Doo, M. Kabir Hassan, and Shari Lawrence. "Retirement preparation of men and women in their positive savings periods." Journal of Economic Studies 45, no. 3 (August 13, 2018): 543–64. http://dx.doi.org/10.1108/jes-12-2016-0266.
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Purpose This study analyzes financial preparation for retirement of American men and women, using the 2013 Survey of Consumer Finances (SCF). The purpose of this paper is to research the adequacy of retirement preparation for men and women in their positive savings periods. Design/methodology/approach This research uses probit analysis and multiple regression models to observe the statistical significance of several independent variables on retirement savings. The specific variables of analysis are socio-demographic, work related, financial assets, and attitudes about saving and investing for a sub-sample of individuals aged 35–45, 46–59, and 60–67. Findings For retirement preparation, income is a significant factor for both men and women aged 35–45. Excellent health is significant for both men and women aged 46–59, whereas the number of weeks worked per year was significant for men and women aged 60–67. In addition, health has significant positive effects on the amount of financial wealth invested in stocks while age has significant negative effects. Research limitations/implications This research uses data from the 2013 SCF to analyze factors affecting retirement preparation for men and women in their positive savings periods. The findings from this study can aid policy makers in designing retirement saving programs that can effectively incentivize individuals for adequately prepare for retirement. Originality/value Previous studies have focused on the effect of factors such as age, health, marital status, work history, education, income, family/household composition, and occupation on retirement savings over an individual’s lifetime. This study focuses specifically on retirement preparation or adequacy for men and women who are in their positive savings periods.