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• W1629326136 abstract "ABSTRACT AN INVESTIGATIVE ANALYSIS INTO THE SAVING BEHAVIOUR OF POOR HOUSEHOLDS IN DEVELOPING COUNTRIES: with specific reference to South Africa In South Africa, as in many developing countries, most households are poor and do not save, as a result of which they do not acquire any positive net worth and which also constrains access to formal means of finance. South African is a consuming nation, with increasing ratios of household consumption resulting in dissaving and often unsustainable levels of household debt, which is also stimulated by the current lower level of interest rates. This situation is worse amongst poor households who also often experience financial shocks, for instance because of the death of family members as a result of HIV/Aids. Empirical evidence in South Africa indicates that some of these households do try to save, but that it is extremely difficult to escape from the vicious circle of overspending and debt. The report provides and overview of household saving in South Africa for the period 1983 to 2003. It identifies the main factors responsible for the lack of a commitment to saving which are particularly relevant in the case of poor households. The main factors are: lack of income (due to unemployment), insufficient income, over-consumption (due to conspicuous consumption, procedural rationality and the bandwagon effect) and market failures, such as incomplete or even no information, lack of financial literacy, cultural and political factors. What is also alarming is that more than a decade after democracy, poor households in South African still prefer informal savings institutions. Suggestions are made to build bridges between formal and informal financial institutions in South Africa. A comparison is presented between the success stories of China, Singapore and Malaysia and factors are identified that should be taken into consideration by policy makers in South Africa. It is clear that the government should take on a stronger role in this regard and be committed to the creation of a culture of saving, particularly in the case of poor households in an effort to rule out poverty in South Africa." @default.
• W1629326136 created "2016-06-24" @default.
• W1629326136 creator A5020619349 @default.
• W1629326136 date "2007-01-01" @default.
• W1629326136 modified "2023-09-25" @default.
• W1629326136 title "An investigative analysis into the saving behaviour of poor households in developing countries: with specific reference to South Africa" @default.
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