Understanding precautionary savings behaviour: Insights from Czechia

Kód výsledku v IS VaVaI

<a href="https://www.isvavai.cz/riv?ss=detail&h=RIV%2F68378025%3A_____%2F26%3A00601408" target="_blank" >RIV/68378025:_____/26:00601408 - isvavai.cz</a>

Výsledek na webu

<a href="https://www.tandfonline.com/doi/full/10.1080/03623319.2024.2424639" target="_blank" >https://www.tandfonline.com/doi/full/10.1080/03623319.2024.2424639</a>

DOI - Digital Object Identifier

<a href="http://dx.doi.org/10.1080/03623319.2024.2424639" target="_blank" >10.1080/03623319.2024.2424639</a>

Jazyk výsledku

angličtina

Název v původním jazyce

Understanding precautionary savings behaviour: Insights from Czechia

Popis výsledku v původním jazyce

The article provides a comprehensive analysis of precautionary savings across several dimensions. Using data from a survey of Czech households, it identifies the primary factors influencing whether households possess precautionary savings and save regularly, their subjective perception of the optimal level of precautionary savings, and the discrepancy between this perceived optimum and their actual savings. Findings highlight the crucial effect of household income, and the way households make ends meet that shape precautionary savings behaviour, with financial strain having an adverse impact across all the examined dimensions. Low-income households are not less likely to possess any precautionary savings, however, they struggle to save regularly and to maintain a sufficient savings buffer. Additionally, these households do not necessarily encounter greater difficulties in aligning their savings with their perceived optimal level due to a lower conceptualisation of optimal precautionary savings. Ownership of a savings account positively impacts precautionary savings, whereas credit instruments disfavour it.

Název v anglickém jazyce

Understanding precautionary savings behaviour: Insights from Czechia

Popis výsledku anglicky

The article provides a comprehensive analysis of precautionary savings across several dimensions. Using data from a survey of Czech households, it identifies the primary factors influencing whether households possess precautionary savings and save regularly, their subjective perception of the optimal level of precautionary savings, and the discrepancy between this perceived optimum and their actual savings. Findings highlight the crucial effect of household income, and the way households make ends meet that shape precautionary savings behaviour, with financial strain having an adverse impact across all the examined dimensions. Low-income households are not less likely to possess any precautionary savings, however, they struggle to save regularly and to maintain a sufficient savings buffer. Additionally, these households do not necessarily encounter greater difficulties in aligning their savings with their perceived optimal level due to a lower conceptualisation of optimal precautionary savings. Ownership of a savings account positively impacts precautionary savings, whereas credit instruments disfavour it.

Druh

J_imp - Článek v periodiku v databázi Web of Science

CEP obor

—

OECD FORD obor

50202 - Applied Economics, Econometrics

Projekt

<a href="/cs/project/GA23-06264S" target="_blank" >GA23-06264S: Příjmová chudoba: Výdaje a zadluženost domácností v evropských zemích</a><br>

Návaznosti

I - Institucionalni podpora na dlouhodoby koncepcni rozvoj vyzkumne organizace

Rok uplatnění

2026

Kód důvěrnosti údajů

S - Úplné a pravdivé údaje o projektu nepodléhají ochraně podle zvláštních právních předpisů

Název periodika

Social Science Journal

ISSN

0362-3319

e-ISSN

1873-5355

Svazek periodika

63

Číslo periodika v rámci svazku

1

Stát vydavatele periodika

GB - Spojené království Velké Británie a Severního Irska

Počet stran výsledku

24

Strana od-do

136-158

Kód UT WoS článku

001357501900001

EID výsledku v databázi Scopus

2-s2.0-85209627838