Why do people save? A micro-analysis of motives for household saving in Japan

Article Abstract:

An analysis of the saving motives in Japanese households reveals that retirement and precautionary motives dominate other motives. The research concludes that the life-cycle approach to finding the dominant factors in savings is highly applicable in the case of Japanese since savings are determined by life-cycle stages. The study reveals that savings motives vary greatly with age and that savings are responses to the needs of a given life stage. The research was based on a micro data from asurvey by the Japanese government.

Savings by Households & Nonprofits, Psychological aspects, Social aspects, Analysis, Finance, Reports, Savings, Social science research, Cost and standard of living, Cost of living

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Capital gains in Japan: their magnitude and impact on consumption

Article Abstract:

Net capital gains on household wealth in Japan are used to analyze Japanese consumption behavior. National Accounts data from 1955 to 1993 indicate that net capital gains during the period have been sizable but volatile in relation to disposable income. The magnitude and volatility support the life-cycle/permanent income hypothesis in the country because they illustrate the correlation between consumption, income and wealth. Capital gains on land have dominated the data during the period.

Economic aspects, Capital assets

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Consumption and poverty: how effective are in-kind transfers?

Article Abstract:

A microsimulation approach is used to examine the efficiency of in-kind benefits given to individuals categorized as poor based on their consumption levels. In this scenario, in-kind transfers of food, capital services and consumer services effectively provide support to the poor, including those who are at high levels of subsidization. These transfers have almost the same effect on the poverty level as cash.

Poverty, Domestic economic assistance

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