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| relationship between interest rate and savings: Saving Across the World Klaus Schmidt-Hebbel, Luis Serven, 1997-01-01 World Bank Technical Paper No. 349. The Bank's approach to water resources development has shifted from one of construction activities to one of improved management quality, creating a new generation of water-related projects and the need for new evaluation procedures. This paper addresses the methodology for economic evaluation of this new group of projects and draws on the experience of the recently approved Mexico Water Resources Management project. |
| relationship between interest rate and savings: International Evidenceon the Determinants of Private Saving Mr.Paul R. Masson, Mr.Tamim Bayoumi, Tamim A. Bayoumi, Hossein Samiei, 1995-05 A broad set of possible determinants of private saving behavior is examined, using data for a large sample of industrial and developing countries. Both time-series and cross-section estimates are obtained. Results suggest that there is a partial offset on private saving of changes in public saving and (for developing countries) in foreign saving, that demographics and growth are important determinants of private saving rates, and that interest rates and terms of trade have positive, but less robust, effects. Increases in per capita GDP seem to increase saving at low income levels (relative to the United States) but decrease it at higher ones. |
| relationship between interest rate and savings: Linkage Between Interest Rate Policy And Macro Economic Variables Fidous Ahmad Malik, 2022-06-15 This is an Academic book |
| relationship between interest rate and savings: Getting Off Track John B. Taylor, 2013-09-01 In this concise volume, leading economist John B. Taylor offers empirical research to explain what caused the current financial crisis, what prolonged it, and what dramatically worsened it more than a year after it began. The evidence he presents strongly suggests that specific government actions and interventions are largely to blame and that any future government interventions must be based on a clearly stated diagnosis of the problem and a rationale for the interventions. |
| relationship between interest rate and savings: Negative Interest Rate Policy (NIRP) Andreas Jobst, Huidan Lin, 2016-08-10 More than two years ago the European Central Bank (ECB) adopted a negative interest rate policy (NIRP) to achieve its price stability objective. Negative interest rates have so far supported easier financial conditions and contributed to a modest expansion in credit, demonstrating that the zero lower bound is less binding than previously thought. However, interest rate cuts also weigh on bank profitability. Substantial rate cuts may at some point outweigh the benefits from higher asset values and stronger aggregate demand. Further monetary accommodation may need to rely more on credit easing and an expansion of the ECB’s balance sheet rather than substantial additional reductions in the policy rate. |
| relationship between interest rate and savings: The Impact of Deficits on Interest Rates, Savings, Investment, and the Dollar United States. Congress. Joint Economic Committee, 1984 |
| relationship between interest rate and savings: National Saving and Economic Performance John B. Shoven, B. Douglas Bernheim, 2009-02-15 The past decade has witnessed a decline in saving throughout the developed world—the United States has the dubious distinction of leading the way. The consequences can be serious. For individuals, their own economic security and that of their families is jeopardized. For society, inadequate rates of saving have been blamed for a variety of ills—decreasing the competitive abilities of American industry, slowing capital accumulation, increasing our trade deficit, and forcing the sale of capital stock to foreign investors at bargain prices. Restoring acceptable rates of saving in the United States poses a major challenge to those who formulate national economic policy, especially since economists and policymakers alike still understand little about what motivates people to save. In National Saving and Economic Performance, edited by B. Douglas Bernheim and John B. Shoven, that task is addressed by offering the results of new research, with recommendations for policies aimed to improve saving. Leading experts in diverse fields of economics debate the need for more accurate measurement of official saving data; examine how corporate decisions to retain or distribute earnings affect household-level consumption and saving; and investigate the effects of taxation on saving behavior, correlations between national saving and international investment over time, and the influence of economic growth on saving. Presenting the most comprehensive and up-to-date research on saving, this volume will benefit both academic and government economists. |
| relationship between interest rate and savings: Macroeconomics Errol D'Souza, 2009-05 Errol D'Souza's Macroeconomics helps students realize the connections between theoretical frameworks and the actual behaviour of the economy; enables instructors to teach macroeconomics concepts within the context of both the Indian and global economy; and provides policymakers with material from current research in macroeconomics. The focus of the book rests on the analysis of macroeconomic thought in terms of the intuition and underlying logic that forms its basis. This book has been designed to help readers think independently about real-world situations, by helping them master the basic technical tools that enable them to do this. At a conceptual level, the book focuses on the most current and relevant issues, while also understanding the fluidity of the subject. |
| relationship between interest rate and savings: Modern Economics An Analytical Study, 20th Edition Ahuja H.L., 2016 In its 20th edition, this trusted definitive text is a comprehensive treatise on modern economics. It discusses in detail microeconomics, macroeconomics, monetary theory and policy, international economics, public finance and fiscal policy and above all economics of growth and development. The book has been exhaustively revised to provide students an in-depth understanding of the fundamental concepts and is streamlined to focus on current topics and developments in the field. |
| relationship between interest rate and savings: International Convergence of Capital Measurement and Capital Standards , 2004 |
| relationship between interest rate and savings: Effects of Macroeconomic Stabilityon Growth, Savings, and Investment in Sub-Saharan Africa Mr.Dhaneshwar Ghura, Mr.Michael T. Hadjimichael, Mr.Martin Mühleisen, Mr.Roger Nord, E. Murat Ucer, 1994-08-01 The analysis of this paper indicates that the unsatisfactory overall economic performance of sub-Saharan African countries during 1986–93 was due to inappropriate policies pursued by a number of countries. The countries that have pursued broadly appropriate adjustment policies have performed much better, achieving positive per capita GDP growth. The analysis is supported with an econometric investigation of the effects of macroeconomic policies, structural reforms, and exogenous factors on economic performance. The results indicate that progress in achieving macroeconomic stability and implementing structural reforms have been conducive to better growth, savings, and private investment. |
| relationship between interest rate and savings: Targets, Interest Rates, and Household Saving in Urban China Mr.Malhar Nabar, 2011-10-01 This paper studies a panel of China's provinces over the period 1996-2009 during which urban household saving rates increased from 19 percent of disposable income to 30 percent. It finds that the increase in urban saving rates is negatively associated with the decline in real interest rates over this period. This negative association suggests that Chinese households save with a target level of saving in mind. When the return to saving declines (increases), it becomes more difficult (easier) to meet a target and households increase (lower) their saving out of current disposable income to compensate. The results are robust across specifications and to the inclusion of additional variables. A main policy implication is that an increase in real deposit rates may help lower household saving and boost domestic consumption. |
| relationship between interest rate and savings: Full Recovery Or Stagnation? Alvin Harvey Hansen, 1938 |
| relationship between interest rate and savings: The Effects of Interest Reates on Savings in Developing Countries Bela A. Balassa, Banco Mundial, 1989 Time -series estimates for individual countries and cross -section and time -series estimates for a number of countries show the positive effects of interest rates on savings. |
| relationship between interest rate and savings: Inside and Outside Liquidity Bengt Holmstrom, Jean Tirole, 2013-01-11 Two leading economists develop a theory explaining the demand for and supply of liquid assets. Why do financial institutions, industrial companies, and households hold low-yielding money balances, Treasury bills, and other liquid assets? When and to what extent can the state and international financial markets make up for a shortage of liquid assets, allowing agents to save and share risk more effectively? These questions are at the center of all financial crises, including the current global one. In Inside and Outside Liquidity, leading economists Bengt Holmström and Jean Tirole offer an original, unified perspective on these questions. In a slight, but important, departure from the standard theory of finance, they show how imperfect pledgeability of corporate income leads to a demand for as well as a shortage of liquidity with interesting implications for the pricing of assets, investment decisions, and liquidity management. The government has an active role to play in improving risk-sharing between consumers with limited commitment power and firms dealing with the high costs of potential liquidity shortages. In this perspective, private risk-sharing is always imperfect and may lead to financial crises that can be alleviated through government interventions. |
| relationship between interest rate and savings: Macroeconomics: Theory and Policy Agarwal Vanita, 2010 Macroeconomics: Theory and Policy provides students with comprehensive coverage of all the essential concepts of macroeconomics. A balanced approach between theoretical and mathematical aspects of the subject has been adopted to ensure ease and clarity in learning. The book brings classroom teaching directly to the student with the friendly language that it uses. The purpose behind this book is not only to make the study of macroeconomics simple for the students but to enable them to apply it to everyday situations and the prevailing economic state of affairs. The wide coverage of topics has been designed for use in courses on macroeconomics at the undergraduate level of Indian universities. |
| relationship between interest rate and savings: The Psychology of Money Morgan Housel, 2020-09-08 Doing well with money isn’t necessarily about what you know. It’s about how you behave. And behavior is hard to teach, even to really smart people. Money—investing, personal finance, and business decisions—is typically taught as a math-based field, where data and formulas tell us exactly what to do. But in the real world people don’t make financial decisions on a spreadsheet. They make them at the dinner table, or in a meeting room, where personal history, your own unique view of the world, ego, pride, marketing, and odd incentives are scrambled together. In The Psychology of Money, award-winning author Morgan Housel shares 19 short stories exploring the strange ways people think about money and teaches you how to make better sense of one of life’s most important topics. |
| relationship between interest rate and savings: The Role of National Saving in the World Economy International Monetary Fund, 1990-03-19 This paper reviews and analyzes broad developments and considers specific policy measures to foster saving. The chapter also describes trends in national saving rates of industrial countries in recent years and briefly discusses the prospects over the medium term. The paper also discusses the effects of policy measures on national saving and investment. Fiscal, monetary, and exchange rate policies are all shown to have major implications for saving in developing countries. Fiscal restraint is especially important, since it increases national saving by both raising public saving and reducing the country's dependence on foreign borrowing. Exchange rate devaluation and the unification of exchange markets also appear to be effective in stimulating national saving. Interest rates and financial reforms play a crucial role in effecting an efficient allocation of resources, including the mobilization of savings to finance domestic investment. |
| relationship between interest rate and savings: The Domestic Financial Market and the Trade Liberalization Outcome Prema-chandra Athukorala, Sarath Rajapatirana, 1991 The main finding of the study is the domestic financial market plays a very significant role in the success or failure of trade liberalization. This was found to be the case in Sri Lanka during 1977-87. |
| relationship between interest rate and savings: Asia-Pacific Economies Iyanatul Islam, Anis Chowdhury, 1997 Why is the centre of international economic dynamism moving towards the countries of the East and South East Asia? Are there common elements that explain this success? Divided into two parts, the authors consider the central debates concerning the developm |
| relationship between interest rate and savings: Business Economics (English Edition) Dr. Surendra Kumar, Dr. Alok Mishra, 2022-01-06 Business Economics (English Edition) is an essential e-book designed for B.Com 2nd semester students studying at U.P. State Universities. Published by Thakur Publication, this comprehensive guide aligns with the common syllabus to provide a thorough understanding of business economics concepts. Covering topics such as demand and supply, market structures, production, costs, and pricing strategies, the e-book offers clear explanations and real-world examples. With its user-friendly format and up-to-date content, this resource serves as an invaluable tool for students pursuing a degree in business economics. |
| relationship between interest rate and savings: Hearings United States. Congress Senate, 1939 |
| relationship between interest rate and savings: Investigation of Concentration of Economic Power United States. Congress. House. Temporary National Economic Committee, 1940 |
| relationship between interest rate and savings: Reconciling Environmental Conservation with Economic Prosperity Tobias Kronenberg, 2007 |
| relationship between interest rate and savings: The Global Findex Database 2017 Asli Demirguc-Kunt, Leora Klapper, Dorothe Singer, Saniya Ansar, Jake Hess, 2018-04-19 In 2011 the World Bank—with funding from the Bill and Melinda Gates Foundation—launched the Global Findex database, the world's most comprehensive data set on how adults save, borrow, make payments, and manage risk. Drawing on survey data collected in collaboration with Gallup, Inc., the Global Findex database covers more than 140 economies around the world. The initial survey round was followed by a second one in 2014 and by a third in 2017. Compiled using nationally representative surveys of more than 150,000 adults age 15 and above in over 140 economies, The Global Findex Database 2017: Measuring Financial Inclusion and the Fintech Revolution includes updated indicators on access to and use of formal and informal financial services. It has additional data on the use of financial technology (or fintech), including the use of mobile phones and the Internet to conduct financial transactions. The data reveal opportunities to expand access to financial services among people who do not have an account—the unbanked—as well as to promote greater use of digital financial services among those who do have an account. The Global Findex database has become a mainstay of global efforts to promote financial inclusion. In addition to being widely cited by scholars and development practitioners, Global Findex data are used to track progress toward the World Bank goal of Universal Financial Access by 2020 and the United Nations Sustainable Development Goals.The database, the full text of the report, and the underlying country-level data for all figures—along with the questionnaire, the survey methodology, and other relevant materials—are available at www.worldbank.org/globalfindex. |
| relationship between interest rate and savings: Negative Interest Rates and Financial Stability Karol Rogowicz, Małgorzata Iwanicz-Drozdowska, 2022-12-01 This book sheds new light on a recently introduced monetary tool – negative interest rates policy (NIRP). It provides in-depth insight into this phenomenon, conducted by the central banks in several economies, for example, the Eurozone, Switzerland and Japan, and its possible impact on systemic risk. Although it has been introduced as a temporary policy instrument, it may remain widely used for a longer period and by a greater range of central banks than initially expected, thus the book explores its effects and implications on the banking sector and financial markets, with a particular focus on potentially adverse consequences. There is a strong accent on the uniqueness of negative policy rates in the context of financial stability concerns. The authors assess whether NIRP has any – or in principle a stronger – impact on systemic risk than conventional monetary policy. The book is targeted at presenting and evaluating the initial experiences of NIRP policy during normal, i.e. pre-COVID, times, rather than in periods in which pre-established macroeconomic relations are rapidly disrupted or, specifically, when the source of the disruption is not purely economic in nature, unlike in systemic crisis. The authors adopt both theoretical and practical approaches to explore the key issues and outline the policy implications for both monetary and macroprudential authorities, with respect to negative interest rate policy, thus the book will provide a useful guide for policymakers, academics, advanced students and researchers of financial economics and international finance. |
| relationship between interest rate and savings: Understanding Consumption Angus Deaton, 1992 An overview of the saving and consumption patterns of households |
| relationship between interest rate and savings: How to Win Friends and Influence People , 2024-02-17 You can go after the job you want…and get it! You can take the job you have…and improve it! You can take any situation you’re in…and make it work for you! Since its release in 1936, How to Win Friends and Influence People has sold more than 30 million copies. Dale Carnegie’s first book is a timeless bestseller, packed with rock-solid advice that has carried thousands of now famous people up the ladder of success in their business and personal lives. As relevant as ever before, Dale Carnegie’s principles endure, and will help you achieve your maximum potential in the complex and competitive modern age. Learn the six ways to make people like you, the twelve ways to win people to your way of thinking, and the nine ways to change people without arousing resentment. |
| relationship between interest rate and savings: The Dynamic Effects of Trade Liberalization United States International Trade Commission, 1997 |
| relationship between interest rate and savings: Macroeconomic Theory - 14Th Edn M C Vaish, 2010 A complete textbook for UG and PG students of economics, commerce and business management, it provides an integrated view of macroeconomics from a global perspective as well as from Indian with special emphasis on Indian monetary policy. Divided into 4 parts--Introductory, Macroeconomic accounting, 3. Macroeconomic theory, 4. Money, interest and prices, 5. Policy, Foreign exchange and banking, 6. Trade cycle theories and economic growth |
| relationship between interest rate and savings: Handbook of Financial Decision Making Gilles Hilary, David McLean, 2023-08-14 This accessible Handbook provides an essential entry point for those with an interest in the increasingly complex subject of financial decision making. It sheds light on new paradigms in society and the ways that new tools from private actors have affected financial decision making. Covering a broad range of key topics in the area, leading researchers summarize the state-of-the-art in their respective areas of expertise, delineating their projections for the future. |
| relationship between interest rate and savings: The Dynamic Effects of Trade Liberalization: An Empirical Analysis, Inv. 332-375 , |
| relationship between interest rate and savings: Principles of Microeconomics, 22e Ahuja H.L., 2022 The book makes a comprehensive and analytical study of theories of demand, production/cost and determination of price and output of products in different market structures. It also discusses theory of factor pricing and income distribution as wages, rent, interest and profits. Above all, it critically analyses the conditions of economic efficiency and maximum social welfare and causes of market failures. It takes a further lead with this revision by aligning its contents with the prescribed UGC model curriculum and new Choice Based Credit System (CBCS) syllabus. |
| relationship between interest rate and savings: Introductory Economic Theory [NEHU, Shillong] HL Ahuja, This book begins with an introduction to economics highlighting the economic problem of scarcity and choice. Further, it goes on and discusses the scope of economics as well as acquaints the students with the methodologies of economics. Basic microeconomic concepts such as demand, supply, competitive market equilibrium, elasticity and indifference curve analysis of demand have been explained in a simple and lucid manner. The book also dwells into theories of production, distribution, rent, interest and profits. It also discusses the market structures prevailing in the capitalist economy, namely, perfect competition and imperfect competition; thoroughly highlighting the sub categories of imperfect competition such as monopolistic competition, oligopoly and monopoly. Concepts of average revenue and marginal revenue have also been discussed in the book. |
| relationship between interest rate and savings: Microeconomics: Theory and Applications, 4rd Edition 599 Dwivedi D.N., 2023 The objective of this book is to provide a comprehensive and authentic analysis of microeconomic theories and their applications to business decisions and to the determination of the general equilibrium of microeconomic variables. Some significant changes have been made in this edition of the book by taking in view the modern syllabi of microeconomics recommended by the UGC and the universities in India. |
| relationship between interest rate and savings: Guyana John Gafar, 2003 The purpose of this book is to examine the performance of Guyana's economy during the era of dirigisme and the period of economic liberalisation with emphasis on a market economy, using all available micro-and macro-data. In a much broader and meaningful sense, this book deals with the socio-economic progress of Guyana from the 1960s, with heavy emphasis on the market reforms, because this is the dominant and interesting story for policy lessons in the Third World. This book also focuses on what has happened to poverty, inequality, and other social indicators during the reform period. Until now, there has not been any systematic examination of the effects of the economic reforms in Guyana on unemployment, wages and industrial activity; poverty and inequality; farmers' response to price liberalisation; education and health indicators; ethnicity and growth; and governance, crime and corruption. These issues and more are the subject matter of this book. The book refers to those aspects of Guyana's history and recent political events that bear directly on economic policy and the performance of the economic system. |
| relationship between interest rate and savings: African Voices on Structural Adjustment Codesria, International Development Research Centre (Canada), 2003 African Voices on Structural Adjustment presents 14 in-depth studies on the history and future of structural adjustment in Africa. Each study appraises the performance of structural adjustment policies (SAPs) with respect to a particular sector or issue. Each evaluates the compatibility of SAPs with the requirements for long-term development in Africa. And, most importantly, each presents a truly African perspective. The contributors represent an outstanding collection of leading African economists and development experts. This volume is intended as a companion to Our Continent, Our Future. It will appeal to students, professors, academics, and researchers in development, economics, and African studies; professionals in donor organizations around the world; and economic policymakers in both the governmental and non-governmental sectors |
| relationship between interest rate and savings: Managerial Economics Vanita Agarwal, 2013 Business schools, both at undergraduate and postgraduate levels, worldwide and in India now ensure that students undertake suitable courses in economics. The purpose of teaching Managerial Economics is to equip business students with the ability to deliberate logically and critically the challenging process of framing business strategies later on in their careers. Managerial Economicscaters to these needs in the Indian context in a detailed manner. |
| relationship between interest rate and savings: Interest Rate Policies in Developing Countries International Monetary Fund, 1983-10-31 In recent years, the appropriate level and structure of interest tates have come to be seen as major issues in connection with stabilization programs undertaken by members. These issues arise from consideration both on the demand side, as interest rates affect the magnitude of aggregate demand, and on the supply side, as they influence the volume and quality of investment and, thus, the growth of output. |
| relationship between interest rate and savings: John Maynard Keynes Charles Robert McCann, 1998 |
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