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Concept Paper Saving Behavior and Preferences

Concept Paper Saving Behavior and Preferences

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Published by: epra on Aug 21, 2008
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02/01/2013

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CONCEPT PAPER:
SAVINGS BEHAVIOR AND
PREFERENCES

Gmelia Guiang
March 2006
DISCLAIMER
\u201cThe views expressed in this report are strictly those of the authors and do not necessarily reflect those of
the United States Agency for International Development (USAID) and the Ateneo de Manila University\u201d.
Abstract

Proper analysis of savers\u2019 behavior requires household or micro level data on saving patterns and preferences as well as direct estimates of household savings. Such information will help financial institutions and policy makers mobilize savings and increase investments. This concept paper surveys theories on the determinants of savings to aid the Ateneo-EPRA project\u2019s nationwide survey of households\u2019 saving behavior as a rider to the Family Income and Expenditure Survey (FIES) of the National Statistics Office. Improved knowledge of saving patterns will prove valuable to policy makers and private financial institutions in the analyses of several issues such as whether the proposed Personal Equity and Retirement Account bill will yield additional savings, the interest rate and tax rate elasticities of various savings and investment instruments, how non-bank financial institutions can leverage on the savings of Filipinos, and the implications of saving patterns on the development of the Philippine economy.

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