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BARRIERS TO FORMAL SAVING: MICRO‐ AND MACROECONOMIC EFFECTS

Sonia Di Giannatale and María Roa García ()

Journal of Economic Surveys, 2019, vol. 33, issue 2, 541-566

Abstract: This paper examines different barriers to formal saving, considering various interventions and their possible effects at microeconomic and macroeconomic levels. It presents a comprehensive review of the literature, based on a detailed classification of the barriers associated with supply‐side factors, related to access to financial products, and demand‐side barriers, related to the use and frequency of use of those products. The paper concludes that this classification and analysis contributes to a fuller understanding of the question of financial inclusion, and how to achieve it.

Date: 2019
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