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• W2171250147 abstract "Although much saving research has been conducted in affluent nations, little is known about consumer saving and well-being at the base of the pyramid, which includes over 3 billion people who live on less than US$2.50 per day. Research evidence suggests that financial situation, and especially saving, is central to well-being in impoverished societies; however, to our knowledge, this relationship has not been tested with a global sample. Thus, in this study, we consider how societal poverty, individual saving ability, and satisfaction with one’s household financial situation influence well-being. Further, we examine how poverty moderates the relationship between individual financial drivers and well-being to test the saving-well-being centrality assumption. Our multilevel study uses hierarchical linear models with about 50,000 consumers across 38 countries and demonstrates that as societal poverty increases, well-being decreases. Yet in high-poverty societies, saving greatly improves well-being. This significant finding among saving, poverty, and well-being is particularly telling, as household financial satisfaction was not moderated by societal poverty. As a result, we suggest novel transformative financial services that should improve the lives of the poor through formal saving mechanisms that are grounded in their lived experiences." @default.
• W2171250147 created "2016-06-24" @default.
• W2171250147 creator A5058051336 @default.
• W2171250147 creator A5075145019 @default.
• W2171250147 date "2015-01-12" @default.
• W2171250147 modified "2023-09-30" @default.
• W2171250147 title "Saving and Well-Being at the Base of the Pyramid" @default.
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• W2171250147 doi "https://doi.org/10.1177/1094670514563496" @default.
• W2171250147 hasPublicationYear "2015" @default.
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