Can the Poor Save

Jeanne M. Hogarth · Chris E. Anguelov

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Financial Literacy, Pension, Retirement Analysis Income, Poverty, and Inequality Microfinance and Financial Inclusion

Abstract

Using the 1998 Survey of Consumer Finances, we explore the asset holdings of poor and low income households, their available resources for meeting short-term emergencies, and the determinants of being a saver as defined here. We find that socioeconomic and demographic characteristics as well as expectations and motivations, access to resources, and the institutional environment are significantly associated with poor and low-income households being able to save.

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References

1991Assets and the poor: a new American welfare policy 2000Recent Changes in U.S. Family Finances: Results from the 1998 Survey of Consumer Finances 1999Institutional determinants of saving: implications for low-income households and public policy 2001Hardships in America: The Real Story of Working Families.1997Emergency Fund Levels: Is Household Behavior Rational?1997How can the poor save? Theory and evidence on saving in low-income households

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