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IMPACT OF INDIVIDUALS SAVING AND CONSUMPTION BEHAVIOUR TOWARDS INVESTMENT AS INFLOW OF MONEY IN THE ECONOMY OF PAKISTAN : A CASE OF SALARIED CLASS

Savings and consumption are the central core valuable factors in the growth of an economy. Saving and investment are specifically crucial for individuals and the government for smooth economic growth and wellbeing of the peoples. This study has used the federal government salaried class individuals...

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Main Authors: Waqar, Munir, Jerome, Kueh, Muhammad Asraf, Abdullah
Format: Article
Language:English
Published: AESS Publications 2022
Subjects:
HB Economic Theory
HG Finance
Online Access:http://ir.unimas.my/id/eprint/40703/3/IMPACT%20OF%20INDIVIDUALS%20-%20Copy.pdf
http://ir.unimas.my/id/eprint/40703/
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spelling my.unimas.ir.407032022-12-07T01:33:44Z http://ir.unimas.my/id/eprint/40703/ IMPACT OF INDIVIDUALS SAVING AND CONSUMPTION BEHAVIOUR TOWARDS INVESTMENT AS INFLOW OF MONEY IN THE ECONOMY OF PAKISTAN : A CASE OF SALARIED CLASS Waqar, Munir Jerome, Kueh Muhammad Asraf, Abdullah HB Economic Theory HG Finance Savings and consumption are the central core valuable factors in the growth of an economy. Saving and investment are specifically crucial for individuals and the government for smooth economic growth and wellbeing of the peoples. This study has used the federal government salaried class individuals with the convenience sampling of 550 participants including both male and female. The theory of permanent income study and lifecycle hypothesis support the consumption and savings patterns of the salaried class with their retirement planning and investment decisions. These decisions are also affected by the living standards and investment scams prevailing in the market. The Structural Equation Modelling-Partial Least Square (SEM-PLS) method is used in this study. The literature results revealed that saving patters and consumption patterns significantly impact investment decision of individuals. The moderating role of living standards and the mediating role of retirement planning on investment and savings relationships is essential in today's era for the better investment decision and as inflow of money in the economy. This study will help the policy makers and government to define the policies and regulations for the save investment avenues. However, the model has not been tested empirically, but the literature and study hypothesis support the model and study hypothesis. A future empirical study can be carried on using this model. AESS Publications 2022 Article PeerReviewed text en http://ir.unimas.my/id/eprint/40703/3/IMPACT%20OF%20INDIVIDUALS%20-%20Copy.pdf Waqar, Munir and Jerome, Kueh and Muhammad Asraf, Abdullah (2022) IMPACT OF INDIVIDUALS SAVING AND CONSUMPTION BEHAVIOUR TOWARDS INVESTMENT AS INFLOW OF MONEY IN THE ECONOMY OF PAKISTAN : A CASE OF SALARIED CLASS. International Journal of Asian Social Science, 12 (11). pp. 477-508. ISSN 2224-4441 http://www.aessweb.com/ DOI: 10.55493/5007.v12i11.4685
institution Universiti Malaysia Sarawak
building Centre for Academic Information Services (CAIS)
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Malaysia Sarawak
content_source UNIMAS Institutional Repository
url_provider http://ir.unimas.my/
language English
topic HB Economic Theory
HG Finance
spellingShingle HB Economic Theory
HG Finance
Waqar, Munir
Jerome, Kueh
Muhammad Asraf, Abdullah
IMPACT OF INDIVIDUALS SAVING AND CONSUMPTION BEHAVIOUR TOWARDS INVESTMENT AS INFLOW OF MONEY IN THE ECONOMY OF PAKISTAN : A CASE OF SALARIED CLASS
description Savings and consumption are the central core valuable factors in the growth of an economy. Saving and investment are specifically crucial for individuals and the government for smooth economic growth and wellbeing of the peoples. This study has used the federal government salaried class individuals with the convenience sampling of 550 participants including both male and female. The theory of permanent income study and lifecycle hypothesis support the consumption and savings patterns of the salaried class with their retirement planning and investment decisions. These decisions are also affected by the living standards and investment scams prevailing in the market. The Structural Equation Modelling-Partial Least Square (SEM-PLS) method is used in this study. The literature results revealed that saving patters and consumption patterns significantly impact investment decision of individuals. The moderating role of living standards and the mediating role of retirement planning on investment and savings relationships is essential in today's era for the better investment decision and as inflow of money in the economy. This study will help the policy makers and government to define the policies and regulations for the save investment avenues. However, the model has not been tested empirically, but the literature and study hypothesis support the model and study hypothesis. A future empirical study can be carried on using this model.
format Article
author Waqar, Munir
Jerome, Kueh
Muhammad Asraf, Abdullah
author_facet Waqar, Munir
Jerome, Kueh
Muhammad Asraf, Abdullah
author_sort Waqar, Munir
title IMPACT OF INDIVIDUALS SAVING AND CONSUMPTION BEHAVIOUR TOWARDS INVESTMENT AS INFLOW OF MONEY IN THE ECONOMY OF PAKISTAN : A CASE OF SALARIED CLASS
title_short IMPACT OF INDIVIDUALS SAVING AND CONSUMPTION BEHAVIOUR TOWARDS INVESTMENT AS INFLOW OF MONEY IN THE ECONOMY OF PAKISTAN : A CASE OF SALARIED CLASS
title_full IMPACT OF INDIVIDUALS SAVING AND CONSUMPTION BEHAVIOUR TOWARDS INVESTMENT AS INFLOW OF MONEY IN THE ECONOMY OF PAKISTAN : A CASE OF SALARIED CLASS
title_fullStr IMPACT OF INDIVIDUALS SAVING AND CONSUMPTION BEHAVIOUR TOWARDS INVESTMENT AS INFLOW OF MONEY IN THE ECONOMY OF PAKISTAN : A CASE OF SALARIED CLASS
title_full_unstemmed IMPACT OF INDIVIDUALS SAVING AND CONSUMPTION BEHAVIOUR TOWARDS INVESTMENT AS INFLOW OF MONEY IN THE ECONOMY OF PAKISTAN : A CASE OF SALARIED CLASS
title_sort impact of individuals saving and consumption behaviour towards investment as inflow of money in the economy of pakistan : a case of salaried class
publisher AESS Publications
publishDate 2022
url http://ir.unimas.my/id/eprint/40703/3/IMPACT%20OF%20INDIVIDUALS%20-%20Copy.pdf
http://ir.unimas.my/id/eprint/40703/
http://www.aessweb.com/
_version_ 1751540644835229696
score 13.211869

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