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- W77867589 abstract "Holding a savings vehicle with mainstream financial institutions carries several benefits including asset building opportunities, secure storage of income, a cushion against unforeseen financial events and the ability to establish or maintain a positive credit history. To better understand the demand for savings products among low- and moderate-income (LMI) people, the Federal Reserve Bank of Chicago sponsored a series of savings behavior questions in the 2001-2002 Metro Chicago Information Center’s annual household survey. Our findings offer evidence that lower-resource consumers accumulate savings, identify specific savings goals and add to their savings on a regular basis. As such, they demonstrate demand for savings products. We also observe that relative to moderate-income respondents, the lowest-income respondents are less likely to hold savings accounts and to identify a savings goal." @default.
- W77867589 created "2016-06-24" @default.
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- W77867589 date "2004-01-01" @default.
- W77867589 modified "2023-09-23" @default.
- W77867589 title "Savings account usage by low- and moderate-income people in the Chicago Metropolitan Area" @default.
- W77867589 hasPublicationYear "2004" @default.
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