More Than a Penny Saved: Long-Term Changes in Behavior Among Savings Program Participants (Survey)
Journal of Consumer Affairs 2010, Spring, 44, 1
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- 12,99 zł
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- 12,99 zł
Publisher Description
This article examines the levels of savings of former participants in a matched savings program. Findings from a survey of Individual Development Account (IDA) participants and a general low-income population sample show that participants who successfully completed the savings program report higher household savings than both participants who left the program early and a non-participant comparison group, suggesting that successful completion of an IDA program may improve the financial dispositions and behaviors associated with long-term savings. Three predictors of saving behavior emerged: access to the financial mainstream, individual psychological disposition, and the presence of children in the household. **********
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