Bibliografias temáticas / Savings Effect

Literatura científica selecionada sobre o tema "Savings Effect"

Autor: Grafiati
Publicado: 31 de agosto de 2024

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Artigos de revistas sobre o assunto "Savings Effect"

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Winanda, Apri, Tri Inda Fadhila Rahma e 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, n.º 2 (20 de outubro de 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, e Klaas Staal. "Determinants of Household Savings: A Cross-Country Analysis". International Advances in Economic Research 27, n.º 4 (novembro de 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, n.º 1 (30 de abril de 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 e Hafizha Dea Iftina. "THE INTERNET MIRACLE: THE IMPACT OF INTERNET ACCESS ON HOUSEHOLD SAVING IN INDONESIA". Buletin Ekonomi Moneter dan Perbankan 24, n.º 2 (30 de junho de 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, n.º 03 (30 de setembro de 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 e 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, n.º 17 (30 de abril de 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 e Deborah Piscitiello. "The Effects of HIV Mortality on Saving and Investment in Asia". Asian Journal of Empirical Research 9, n.º 1 (28 de fevereiro de 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 e Lu Zhang. "An Empirical Analysis of the Displacement Effect of TFSAs on RRSPs". Canadian Tax Journal/Revue fiscale canadienne 67, n.º 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, n.º 9 (25 de setembro de 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 e Junhong Huang. "A Study of the Interface Fluctuation and Energy Saving of Oil–Water Annular Flow". Energies 15, n.º 6 (14 de março de 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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Teses / dissertações sobre o assunto "Savings Effect"

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Darmenov, Askar. "The effect of house prices on home owners savings". CONNECT TO ELECTRONIC THESIS, 2008. http://dspace.wrlc.org/handle/1961/4559.

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Persson, Sanna, e Jerry Pettersson. "The connection between household savings ratio and human development index : Which factors affect the household savings ratio?" Thesis, Linnéuniversitetet, Institutionen för ekonomistyrning och logistik (ELO), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-87939.

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This thesis investigates which factors affecting savings behavior by using a fixed effect regression model. To see what affects the household savings rate the following independent variables is considered: Natural logarithm of trend per capita income, natural logarithm of deviation from trend per capita income, growth of disposable income, real interest rate, inflation, wealth in relation to household disposable income, foreign savings in relation to disposable income, dependency ratio and human development index. To see whether changes of human development within a county impacts the household´s savings ratio this variables was included in a separate regression. To avoid possible biasedness from ordinary least square, a panel data technique called fixed effect regression model is used. The investigated time period is between year 1999 and 2016 and to make a restriction, variables from 25 developed countries were studied. The involved economic theories in this work are Keynesianism, permanent income hypothesis and the savings theory behind Maslow´s behavioral pyramid. The result made by using this study is that growth in income and foreign savings in relation to disposable income is insignificant and can´t be used in explaining the differences between household´s savings. Human development index within a country has a negative effect on the savings ratio but a conclusion regarding whether changes in HDI´s does affect savings can´t be made and more research within that field is needed.
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Skogqvist, Jackline Mwende. "The effect of mobile money on savings behaviors of the financially excluded". Thesis, Södertörns högskola, Nationalekonomi, 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-38368.

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This study investigates whether the use of mobile money affects the savings patterns of individuals that are vulnerable to financial exclusion, that is, the low-income earners, low-educated, women and rural habitants. Studying the case of Kenya, this study uses data from the 2016 FinAccess Household Survey (N=8,665) that was designed to track and measure the drivers, growth and impact of mobile money use in Kenya. Logistic model and the 2SLS IV regression are used as the empirical estimation method for testing the statistical significance of the correlation between mobile money usage and the savings behaviors of the individuals. The results show that users of mobile money are 1.96 more likely to have a savings product than those that do not use mobile money, and that the propensity for users of mobile money to save for emergencies and for future events is 1.44 and 1.27 times higher, respectively, as compared to the non-users. These findings suggest that individuals that use mobile money perceive it as a trustworthy, efficient and reliable store of value especially making savings for future use. This analysis also finds statistically significant evidence suggesting that mobile money use significantly increases the propensity to save for individuals in demographic groups that are more susceptible to the unique challenges that lower accessibility to formal financial services. Therefore, by increasing the probability of individuals in the female, low income, low education and rural groups to save, mobile money fosters financial inclusion which is essential in the realization of the Sustainable Development Goals such as reducing poverty, increasing equality and sustained economic growth among others. In general, this study has specific policy implications for using mobile money as a device for increasing financial inclusion among the ‘unbanked’ population.
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Safarzynska, Karolina. "Modeling the rebound effect in two manufacturing industries". Elsevier, 2012. http://epub.wu.ac.at/3610/1/Safarzynska_Modelling_rebound_effect_final.pdf.

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The rebound effect refers to the phenomenon that energy savings from improvements in energy efficiency are lower than expected due to unintended second-order effects. Grasping specific mechanisms related to the rebound effect requires a good understanding of interactions between heterogonous agents on multiple markets. Otherwise, policies aimed at reducing energy use may render counter-expected and unforeseen consequences. In this paper, we propose a formal model, where technological change results from interactions on two markets: between consumers and producers in the market for final goods, and heterogeneous power plants in the electricity market. The analysis provides insights to the role of technological change, supply-demand coevolution, and status-driven consumption in explaining the rebound effect. The model is employed to compare effectiveness of economic policies aimed at reducing carbon emissions associated with production of consumer goods, namely: a tax on electricity and "nuclear obligations" to produce ten percent of electricity from nuclear energy. (author's abstract)
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Björkholm, Johan, Mattias Dahlberg e Viktor Johansson. "Inlåsningseffekten : Skattens effekt på svenskars fondsparande". Thesis, Linnéuniversitetet, Institutionen för ekonomistyrning och logistik (ELO), 2014. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-35396.

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Bakgrund: I Sverige har 76 % av befolkningen innehav i fonder och den totala fondförmögenheten uppgår till 1 925 miljarder. Kapitalvinstskatten ligger på 30 % och utlöses endast vid en realisation av vinsten. Många svenskar undviker gärna att aktivera denna skatteeffekt och blir därmed inlåsta i sina fonder. Syfte: Syftet med denna uppsats är att utifrån intervjuer med privata fondsparare och aktörer inom branschen förklara hur kapitalvinstskatten påverkar privatpersoners resonerande och agerande. Detta beteende kommer sedan att analyseras utifrån befintliga teorier inom beteendeekonomi. Metod: För att nå studiens syfte har vi använt oss av en abduktiv metod. Det empiriska materialet har samlats in med hjälp av semistrukturerade intervjuer. Totalt har vi intervjuat 10 fondsparare och 6 personer inom branschen. Materialet från intervjuerna har sedan förklarats med hjälp av de teorier vi valt ut. Slutsats: I vår studie har vi kommit fram till att inlåsningseffekten varierar beroende på fondspararens ålder. Den yngre gruppen ställde sig mer likgiltig inför kapitalvinstskatten, med anledning av en kort placeringshorisont. Den äldre gruppen hade en mer ospecificerad placeringshorisont och baserade sina investeringsbeslut utefter skattekonsekvensen. Kapitalvinstskatten hade då en bromsande effekt, eftersom det skulle minska den totala förmögenheten.
Background: In Sweden 76 % of the population has savings in mutual funds, with a combined wealth of 1 925 billion SEK. The tax on capital gains is 30 % and is activated when the profit is realized. Many Swedes avoid triggering this tax effect and is therefore locked-in in their mutual funds. Purpose The purpose of this study is, from interviews with private fund investors and industry players, to explain how the capital gains tax affects individuals’ reasoning and actions. This behavior will then be analyzed in terms of existing theories in the field. Method: We have used an abductive method to achieve the purpose of this study. The empirical material has been collected through semi-structured interviews.  We have conducted 10 interviews with private fund investors and 6 people in the fund industry. The material from the interviews was then explained by means of the theories we have selected. Conclusion: In our study we came to the conclusion that the lock-in effect varies depending on the fund savers age. The younger group was more indifferent to the capital gains tax, due to a shorter investment horizon. The older group had a more unspecified investment horizon and based their investment decisions along the tax consequence. Capital gains tax then had a braking effect, as it would reduce the total wealth.
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Garcia, Jose Daniel. "Characterization of greywater heat exchangers and the potential of implementation for energy savings". Thesis, KTH, Installations- och energisystem, 2016. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-191123.

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Buildings account for up to 32% of the total energy use in different countries. Directives from the European Union have pointed out the importance of increasing energy efficiency in buildings. New regulation in countries like Sweden establishes that new buildings should fulfill regulations of Nearly Zero Energy Buildings (NZEB), opening an opportunity for new technologies to achieve these goals. Almost 80-90% of the energy in domestic hot water use is wasted from different applications with almost no use and with a lot of potential energy to be recovered. The present work studied the characteristics of greywater heat exchanger as a solution to recuperate heat from greywater to increase efficiency in buildings. This study explored the fluid mechanics involved in the vertical greywater heat exchangers, analyzing the falling film effect present in drain pipes and the effects of the secondary flow generated in the external helical coil. A heat transfer model from a theoretical approach was proposed and validated. In addition, this study explored the different variables influencing the economic feasibility of the technology and an economic analysis was performed. A theoretical comparison between a greywater heat exchanger application and a reference case without it was evaluated highlighting the importance of all the variables involved in the potential of implementation of the technology. The technology shows big potential in households with high water consumptions, especially with electric boilers.
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Zheng, Henry Public Health &amp Community Medicine Faculty of Medicine UNSW. "Walking interventions to prevent coronary heart disease in Australia - quantifying effect size, dose-response and cost reductions". Awarded by:University of New South Wales. Public Health & Community Medicine, 2009. http://handle.unsw.edu.au/1959.4/44750.

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Coronary heart disease (CHD) is the single largest cause of death in Australia. Lack of physical activity is a primary risk factor for CHD. The thesis aimed to quantify the efficacy of walking in reducing CHD risk. Meta-analyses were performed for the quantification with the application of random-effect meta-regression models. The thesis also aimed to quantify reductions in CHD-related direct healthcare costs, productivity loss and disease burden resulting from walking interventions in Australia, using the population attributable fraction model, the work and leisure models, and the consumer surplus model. Economic evaluations were also conducted to estimate CHD-related productivity loss using the human capital and the friction methods. The results indicated that 30 minutes of normal walking a day for 5-7 days a week compared to physical inactivity reduced CHD risk by 24%. There existed a dose-response relationship between walking and CHD risk reduction. An increment of approximately 30 minutes of normal walking a day for 5 days a week reduced CHD risk by 19%. The annual productivity loss resulting from CHD was estimated at AU$1.79 billion based on the human capital method and AU$25.05 million under the friction method. 30 minutes of normal walking a day for 5-7 days a week by the country???s ???sufficient??? walking population was shown to generate an estimated $126.73 million in net direct healthcare savings annually. The net economic savings could increase to AU$419.9 million if the whole inactive population engaged in ???sufficient??? walking. The study also found that 30 minutes of normal walking a day for 5-7 days a week reduced the burden of CHD by an estimated 25,065 DALYs and the productivity loss by AU$162.65 million annually under the leisure model. If the whole inactive population engaged in such walking, the total disease burden and productivity loss could be reduced by approximately one third. The findings present epidemiological and economic evidence in support of the national physical activity guidelines, which encourage the general public to engage in moderate physical activity including walking for a minimum of 30 minutes a day for 5-7 days a week.
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Tapper, Josefine, e Cajsa Baars. "Put your head in the sand or lose a grand? : A natural experiment of the ostrich effect and the disposition effect". Thesis, Linköpings universitet, Nationalekonomi, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-150095.

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This thesis presents an attempt to find evidence of the ostrich effect and the disposition effect, as well as individual differences in self-assessed financial knowledge and its effect on these biases. The ostrich effect refers to the tendency to deliberately avoid information that might be negative, by "sticking your head in the sand". The disposition effect refers to people who hold on to losing assets too long while selling winning ones too early. The two effects were examined through a natural experiment which emerged from the stock market crash that occurred February 5th, 2018. The data was collected during an internship at Länsförsäkringar AB and originates from the usage of Länsförsäkringar's application Sparnavigatorn, where customers can manage their savings. The customers login activity and number of placed sales orders were observed. The data material is unique, and the study enabled a unique presentation of real life behaviour within a financial context and an analysis of whether individual differences affect behaviour. To our knowledge, neither the ostrich effect nor the disposition effect have earlier been examined through a large scale natural experiment. The results show no significant indication of the ostrich effect, but rather a relatively constant login activity not affected by the stock market crash. Furthermore, they show a contradictory reaction to what the disposition effect suggests, meaning the respondents place more sales orders during the stock market fall than at the time before and after. The results imply that further research needs to be done to either reject or confirm the existence of the ostrich effect and the disposition effect.
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Siddiqui, Usama Shahid. "Behavioral demand response : A technology to support the smart grids of the future". Thesis, KTH, Hållbar utveckling, miljövetenskap och teknik, 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-284532.

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Residential buildings are one of the main stakeholders to electricity consumption. As there is fast-paced technological advancement in electricity conservation, the residential buildings infrastructure has become very electricity-efficient in Sweden. However, there is still room for improvement with regards to electricity conservation via behavioral change. Meaning, residents have the potential to reduce household electricity consumption by developing a conservative behavior. The road to such a behavioral development is not straightforward. According to literature, behavioral change is influenced by different beliefs and norms. There also exists a global trend that fewer and fewer people are able to name a single neighbor, and it is aptly called “Globally Connected yet Locally Isolated”. In this master thesis the strategy to achieve electricity conservation is based upon local social cohesion, and the awareness of electricity, at Malvinas – a student residence at the campus of KTH Royal Institute of Technology. The study is carried out at LocalLife – a local social networking service for sustainable communities – implementing a mixed methodology of surveys and interviews. 8 LocalLife users are studied in detail. The result incorporates the most suitable features from the relevant topics that could enable long term change and retainment of users. The results showed that the participants: 1) indicated an increased energy awareness; 2) reported an improvement in local community-life; 3) felt motivated to change behavior to facilitate saving electricity.
I detta examensarbete görs en omfattande analys med hjälp av kvalitativa och kvantitativa metoder för att undersöka ifall användandet av LocalLife – en lokal social nätverkstjänst som pilot-testas vid Kungliga Tekniska Högskolan – har förbättrat användarnas beteende och attityder kring hushållselsförbrukning samt hjälpt till att förbättra det lokala samhällslivet. Bostadshus ger upphov till en betydande del av världens energiförbrukning. På grund av den snabba tekniska utvecklingen har byggnaderna blivit mycket mer energieffektiva i Sverige på senare tid. Det finns dock fortfarande förbättringspotential när det gäller att spara el genom att ändra de boendes konsumtionsbeteende. Att få till en sådan beteendeförändring är dock inte enkelt. Enligt litteraturen påverkas beteendet av uppfattningar och normer. Det finns dessutom en global trend där allt färre människor lär känna sina grannar, kallad “globalt uppkopplad men lokalt isolerad”. Denna uppsats studerar därför en strategi att spara el som går ut på lokal sammanhållning och ökad kunskap om elanvändning hos de boende i studentlägenheterna på Malvinas väg på KTH campus. Studien utförs bland användare av LocalLife, ett lokalt socialt nätverk för hållbara stadsdelar – genom att blanda metoder såsom enkäter och intervjuer. Åtta LocalLife- användare studeras i detalj. Resultatet presenterar de mest lämpliga delarna från de relevanta ämnena som kan möjliggöra en bestående beteendeförändring öka chansen för att behålla användarna. Resultaten visar att deltagarna: 1) visade på en ökad energimedvetenhet; 2) upplevde en förbättring av det lokala samhällslivet; 3) kände sig motiverade att ändra sitt beteende för att spara el.
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Hulse, Colin D. "Effects of Deregulation on Retirement Savings". Scholarship @ Claremont, 2012. http://scholarship.claremont.edu/cmc_theses/536.

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The implementation of deregulation in the financial industry has shown both positive and negative effects on the average investor’s ability to save for retirement. The increase in financial investment products and supplements to saving has provided the average investor with many more opportunities to manage his/her wealth in order to save for retirement. This paper will examine the evolution of basic savings accounts offered by commercial banks in the early 1900s to the broadening of investment opportunities in the 1990s. The paper discusses the effects of three deregulatory acts on the average investor’s ability to accumulate wealth for retirement. These acts include: The Depository Institutions Deregulatory Monetary Control Act of 1980, Garn-St. Germain Depository Institutions Act of 1982, and the repeal of Glass-Steagall Act of 1933 through the Gramm-Leach-Bliley Act of 1999. Each of these deregulatory measures played a significant role in the changing of investment and savings behavior of the average investor and the definition of retirement in general.
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Livros sobre o assunto "Savings Effect"

1

Cooperman, Elizabeth Singleton. The effect of the 1985 Ohio thrift crisis on the interest cost of retail CD's. Washington, D.C: Federal Home Loan Bank Board, Office of Policy and Economic Research, 1989.

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Chaturvedi, Vaibhav. Inter-relations between economic growth, savings, and inflation in Asia. Ahmedabad: Indian Institute of Management, 2008.

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Deepak, Lal, Wolf Martin 1946- e World Bank, eds. Stagflation, savings, and the state: Perspectives on the global economy. New York: Oxford University Press, 1986.

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Sheshinski, Eytan. An explanation of the behavior of personal savings in the United States in recent years. Cambridge, MA: National Bureau of Economic Research, 1989.

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Imbens, Guido. Estimating the effect of unearned income on labor supply, earnings, savings, and consumption: Evidence from a survey a lottery players. Cambridge, MA: National Bureau of Economic Research, 1999.

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United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance. Effect of bank regulation on credit availability: Hearing before the Subcommittee on Financial Institutions Supervision, Regulation, and Deposit Insurance of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, One Hundred Third Congress, first session, March 30, 1993. Washington: U.S. G.P.O., 1993.

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United States. Congress. House. Committee on Ways and Means. Contract with America--savings and investment: Hearings before the Committee on Ways and Means, House of Representatives, One Hundred Fourth Congress, first session, January 24, 25, 26, 31; and February 1, 1995. Washington: U.S. G.P.O., 1996.

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Office, General Accounting. Future Years Defense Program: Funding increase and planned savings in fiscal year 2000 program are at risk : report to the Chairman, Committee on the Budget, House of Representatives. Washington, D.C. (P.O. Box 37050, Washington, D.C. 20013): The Office, 1999.

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Office, General Accounting. Future years defense program: How savings from reform initiatives affect DOD's 1999-2003 program : report to the chairman and ranking minority member, Committee on Armed Services, House of Representatives. Washington, D.C. (P.O. Box 37050, Washington, D.C. 20013): The Office, 1999.

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Office, General Accounting. Future years defense program: How savings from reform initiatives affect DOD's 1999-2003 program : report to the chairman and ranking minority member, Committee on Armed Services, House of Representatives. Washington, D.C. (P.O. Box 37050, Washington, D.C. 20013): The Office, 1999.

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Capítulos de livros sobre o assunto "Savings Effect"

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Tachibanaki, Toshiaki. "The Effect of Housing on Savings". In Public Policies and the Japanese Economy, 80–113. London: Palgrave Macmillan UK, 1996. http://dx.doi.org/10.1007/978-1-349-13168-6_7.

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Chatterjee, Arnab, e Bikas K. Chakrabarti. "Ideal-Gas Like Markets: Effect of Savings". In New Economic Windows, 79–92. Milano: Springer Milan, 2005. http://dx.doi.org/10.1007/88-470-0389-x_9.

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Sandhu, Sukhbir, Clive Smallman, Lucie K. Ozanne e Ross Cullen. "Environmental Responsiveness and Cost Savings: Effect or Driver?" In The International Society of Business, Economics, and Ethics Book Series, 55–70. Dordrecht: Springer Netherlands, 2014. http://dx.doi.org/10.1007/978-94-017-9008-6_5.

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Hughes, Gerard. "Pension Financing, the Substitution Effect and National Savings". In Pensions in the European Union: Adapting to Economic and Social Change, 45–61. Boston, MA: Springer US, 2000. http://dx.doi.org/10.1007/978-1-4615-4527-9_4.

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Thonhofer, Elvira, Matthias Neubauer e Florian Hofbauer. "Application of Fuel Efficiency and Traffic Efficiency Assessment". In Energy-Efficient and Semi-automated Truck Platooning, 157–71. Cham: Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-030-88682-0_12.

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AbstractThis chapter presents the application of the fuel assessment methodology developed in the Connecting Austria project. Thereby, a route analysis for an Austrian fleet operator is performed including the assessment of feasible and economic viable routes and scenarios. Furthermore, potential fuel consumption and CO$$_{2}$$ 2 emission savings are discussed within the given case. The saving potential may be increased via dynamic C-ITS-based truck platoon regulations, instead of statically defined, too restrictive regulations as indicated in the C-ITS assessment section. Finally, the chapter discusses the effect of truck platooning on increasing traffic efficiency.
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Blais, Mathieu, Martin Désilets e Marcel Lacroix. "Energy Savings in Aluminum Electrolysis Cells: Effect of the Cathode Design". In Light Metals 2013, 627–31. Hoboken, NJ, USA: John Wiley & Sons, Inc., 2013. http://dx.doi.org/10.1002/9781118663189.ch107.

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Miller, Christopher M., e Jesse H. Jones. "A Cross National Study of Advertising’s Effect on the Savings Rate". In Proceedings of the 1992 Academy of Marketing Science (AMS) Annual Conference, 176–80. Cham: Springer International Publishing, 2014. http://dx.doi.org/10.1007/978-3-319-13248-8_36.

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Blais, Mathieu, Martin Désilets e Marcel Lacroix. "Energy Savings in Aluminum Electrolysis Cells: Effect of the Cathode Design". In Light Metals 2013, 627–31. Cham: Springer International Publishing, 2003. http://dx.doi.org/10.1007/978-3-319-65136-1_107.

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Torre, Carmelo Maria, Tommaso Passaro e Valentina Sannicandro. "Assessing the Effect of Land Use Planning on Soil Savings by SEA". In Computational Science and Its Applications – ICCSA 2017, 106–17. Cham: Springer International Publishing, 2017. http://dx.doi.org/10.1007/978-3-319-62404-4_8.

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Nishikawa, Norifumi, Miyuki Nakano e Masaru Kitsuregawa. "Cache Effect for Power Savings of Large Storage Systems with OLTP Applications". In Databases in Networked Information Systems, 256–69. Berlin, Heidelberg: Springer Berlin Heidelberg, 2011. http://dx.doi.org/10.1007/978-3-642-25731-5_20.

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Trabalhos de conferências sobre o assunto "Savings Effect"

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Niemiec, Robert, e Farhan Gandhi. "Effect of Rotor Cant on Trim and Autonomous Flight Dynamics of a Quadcopter". In Vertical Flight Society 74th Annual Forum & Technology Display, 1–14. The Vertical Flight Society, 2018. http://dx.doi.org/10.4050/f-0074-2018-12915.

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Rotor cant is simulated on an SUI Endurance quadcopter. Two types of rotor cant, flapwise and torsional cant, are defined, and multirotor coordinates are used to define four aircraft-level modes of cant for each type. Collective flapwise cant causes an increase in collective control and power required, and a positive correlation exists between collective flapwise cant and pitch control. It also causes the longitudinal and lateral poles to retreat from the origin. Postive longitudinal flapwise and negative lateral torsional cant cause a reduction in nose-down attitude in forward flight, reducing drag and negative lift on the fuselage by 13% and 31% at 15 m/s, which reduces power required by 6% while increasing hover power by only 0.5%. Lateral flapwise cant and longitudinal torsional cant affect the roll attitude, though no power savings is available. Differential flapwise cant causes forward speed to impose a net rolling moment, which is compensated by roll control. Differential torsional cant is positively correlated with roll control. Both differential cant modes cause some poles to move toward the origin while others move away, but differential torsional cant can increase yaw authority by up to 325%.
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Yulvia, Arni, e Wika Arsanti Putri. "The Effect of Financial Constraints on Cash Tax Savings". In The International Conference on Applied Economics and Social Science. SCITEPRESS - Science and Technology Publications, 2020. http://dx.doi.org/10.5220/0010355601740185.

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Škrabul'áková, Erika Fecková. "On the Effect of Insulation of Boiler Parts on Savings". In 2024 25th International Carpathian Control Conference (ICCC). IEEE, 2024. http://dx.doi.org/10.1109/iccc62069.2024.10569689.

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Campanari, Stefano, e Ennio Macchi. "Technical and Tariff Scenarios Effect on Microturbine Trigenerative Applications". In ASME Turbo Expo 2003, collocated with the 2003 International Joint Power Generation Conference. ASMEDC, 2003. http://dx.doi.org/10.1115/gt2003-38275.

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The paper considers the use of gas fired Micro Turbine Generators (MTG) for tri-generation (combined production of electricity, heating and cooling) applications in tertiary buildings. The importance of the adopted MTG technology is investigated, showing that the high electrical efficiency levels achievable by future advanced ceramic MTGs would improve dramatically the economic competitiveness of the application, as well as the primary energy savings and environmental benefits. Calculations are performed by the simulation code TRIGEN, capable of optimizing the plant operating mode in each time step and integrating the results over the entire year. The requirement of a “target” energy saving index on the optimization procedure is also addressed.
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Nooruzzaman, Md, e Toshio Morioka. "Effect of crosstalk on component savings in multi-core fiber networks". In 2017 Opto-Electronics and Communications Conference (OECC) and Photonics Global Conference (PGC). IEEE, 2017. http://dx.doi.org/10.1109/oecc.2017.8114921.

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France, Zdenek, Ivo Puncochar e Miroslav Simandl. "Effect of Optimal Control on Fuel Savings of Parallel Hybrid Electric Vehicle". In 2015 IEEE Vehicle Power and Propulsion Conference (VPPC). IEEE, 2015. http://dx.doi.org/10.1109/vppc.2015.7352936.

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Khan, K. H., M. G. Rasul e M. M. K. Khan. "Building Energy Management: Co-Generation Coupling With Thermal Energy Storage". In ASME 2002 International Mechanical Engineering Congress and Exposition. ASMEDC, 2002. http://dx.doi.org/10.1115/imece2002-33107.

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This paper is concerned with the feasibility study and evaluation of an energy savings opportunity in buildings energy management using co-generation coupling with thermal energy storage. Both the technical and economical feasibility is presented first for the co-generation and then compared with the co-generation using thermal energy storage. On-site co-generation with double effect absorption chiller provides a potential of at least 13% peak demand reduction and about 16% savings in energy consumption. It provides an internal rate of return (IRR) greater than 21% but saving potential is limited by the low demand of co-generated chilled water within the community of the institution. Thermal energy storage coupling with co-generation offers a simple and economically more attractive approach for maximizing the utilization of co-generated chilled water and shows 23% reduction in peak demand and 21% savings in energy consumption. It provides higher IRR, greater than 25%.
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Saeidijavash, Mortaza, Jivtesh Garg e Bin Wang. "Effect of Alignment on Thermal Conductivity Enhancement of Polyethylene/Graphene Nanoplatelet Composite Materials". In ASME 2016 International Mechanical Engineering Congress and Exposition. American Society of Mechanical Engineers, 2016. http://dx.doi.org/10.1115/imece2016-66987.

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In this work we investigate the effect of molecular alignment on thermal conductivity (k) enhancement of polyethylene/graphene nanoplatelet (PE/GNP) composites. Enhancement of thermal conductivity of polymers can pave way for their application in heat exchangers leading to significant energy savings as processing of polymers is more energy efficient than metals. Such energy savings will drive down costs and will have the additional benefit of considerably reducing the environmental effects of energy production. Such high k polymers will also enable improved thermal management in electronic devices in servers, automobiles, high brightness LEDs and mobile applications. Stretching is known to induce alignment of molecular chains in a polymer system thereby increasing thermal conductivity. In this work we explore mechanical stretching of polyethylene-graphene nanocomposites to enhance their k.
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Abdelaziz, Osama Khalid, e Hany Ahmed Abdalla. "Cost Evaluation of Post-tensioned Slabs in Multi-storey Buildings Considering Seismic Effect". In 4th International Conference of Contemporary Affairs in Architecture and Urbanism – Full book proceedings of ICCAUA2020, 20-21 May 2021. Alanya Hamdullah Emin Paşa University, 2021. http://dx.doi.org/10.38027/iccaua2021280n5.

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Currently, many owners and consultants prefer to use post-tensioned PT slab systems in multi-storey buildings due to their considerable savings in materials, labor, and time. On the other hand, many contractors still use the traditional RC flat slab systems due to their simple construction process. This research focuses on the comparison between the two systems taking into consideration: cost, time, and structural behavior. Detailed cost and time analysis is performed for each system considering all construction resources. The analysis and design of the buildings are conducted using many structural and project management computer programs. These include ETABS, SAFE, RAM, REVIT, and Primavera. The results indicated that, PT systems provide significant savings for spans larger than 6 m. The structural analysis of both systems also showed that PT slabs are more effective in resisting seismic straining actions.
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K., Margaretha Sartien, Yefta Sanam e Ronald E. Renoat. "The Effect of Deposit Interest Rates and Availability of Banking Services on Interests in Savings". In International Conference on Applied Science and Technology on Social Science (ICAST-SS 2020). Paris, France: Atlantis Press, 2021. http://dx.doi.org/10.2991/assehr.k.210424.026.

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Relatórios de organizações sobre o assunto "Savings Effect"

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Baker, Scott, Efraim Benmelech, Zhishu Yang e Qi Zhang. Fertility and Savings: The Effect of China’s Two-Child Policy on Household Savings. Cambridge, MA: National Bureau of Economic Research, março de 2022. http://dx.doi.org/10.3386/w29856.

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Stovall, T. K., e L. C. Fuller. Effect of lifestyle on energy use estimations and predicted savings. Office of Scientific and Technical Information (OSTI), março de 1988. http://dx.doi.org/10.2172/5040316.

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Beshears, John, James Choi, David Laibson, Brigitte Madrian e Katherine Milkman. The Effect of Providing Peer Information on Retirement Savings Decisions. Cambridge, MA: National Bureau of Economic Research, agosto de 2011. http://dx.doi.org/10.3386/w17345.

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Choi, James, David Laibson, Jordan Cammarota, Richard Lombardo e John Beshears. Smaller than We Thought? The Effect of Automatic Savings Policies. Cambridge, MA: National Bureau of Economic Research, agosto de 2024. http://dx.doi.org/10.3386/w32828.

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Morandé, Felipe. Savings in Chile: What Went Right? Inter-American Development Bank, março de 1996. http://dx.doi.org/10.18235/0011586.

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Some analysts rank Chile as the only Latin American economy that qualifies as a 'take-off economy,' or development economy. In a sense, Chile's enduring success and proved insulation from the 'Tequila effect' are due to its high national savings. What has made Chile's savings so high? What were some key policies implemented? Did the structural and liberalizing reforms of the late 1970s and 1980s have anything to do with it? This paper tries to empirically disentangle some of the puzzles with historical data that span the 1960-1995 period.
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Chen, Yuting, e Peter Therkelsen. The effect of linear regression modeling approaches on determining facility wide energy savings. Office of Scientific and Technical Information (OSTI), janeiro de 2019. http://dx.doi.org/10.2172/1513797.

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John, David, Warren Cormier, Zahra Ebrahimi, Pamela Hess e James Watt. The Effect of a Universal Automatic IRA With Emergency Savings on Household Wealth. Washington, DC: AARP Public Policy Institute, dezembro de 2023. http://dx.doi.org/10.26419/ppi.00212.001.

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Ejrnæs, Mette, Mette Ejrnæs, Esteban García-Miralles e Petter Lundborg. When death was postponed: the effect of hiv medication on work, savings and marriage. Madrid: Banco de España, junho de 2023. http://dx.doi.org/10.53479/30669.

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Longer life expectancy can affect individuals’ incentives to work, save and marry, net of any changes in their underlying health. We test this hypothesis by using the sudden arrival of a new treatment in 1995 that dramatically increased life expectancy for HIV-infected individuals. We compare the behavioural responses of HIV-infected individuals who were still in good health but who differed in their access to the new treatment. Those with access to treatment work substantially more, marry later, but do not save more. Our results highlight the importance of accounting for such incentive effects when valuing increases in life expectancy.
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Gandelman, Néstor, Rodrigo Lluberas, Daniel Misail e Diana Gaitan. The Impact of a Financial Inclusion Program on Household’s Payment Choice, Savings, and Credit. Inter-American Development Bank, março de 2023. http://dx.doi.org/10.18235/0004789.

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Uruguay implemented an ambitious financial inclusion program that included a fiscal stimulus through VAT rebates and subsidies for point of sale (POS) adoption. One of its main provisions banned cash payment of wages and social benefits and forced financial institutions to open wage-accounts with extremely beneficial conditions. In the aggregate, the number of debit cards transactions increased sharply. We test the wage-banking channel of the financial program exploiting differences in the treatment intensity between public sector and private sector workers. We find that while the provision of bank accounts increased the number of debit cards, it had modest effects on the probability of payment with cards that are mostly produced by a more intensive use of debit cards by those who already had them before the Financial Inclusion Act went into effect. Thus, the aggregate effects must be produced by the fiscal channel of the financial inclusion program. Finally, we fail to find effects on either access to short-term credit or expenditure or savings.
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Dupas, Pascaline, Anthony Keats e Jonathan Robinson. The Effect of Savings Accounts on Interpersonal Financial Relationships: Evidence from a Field Experiment in Rural Kenya. Cambridge, MA: National Bureau of Economic Research, julho de 2015. http://dx.doi.org/10.3386/w21339.

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