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Asset Building Financial Inclusion Working Paper

Measuring Saving

By CSD • July 1, 2004October 27, 2021

Development depends on saving. But what exactly is saving, and how is it measured? This paper defines saving and describes several measures of financial savings in the context of Individual Development Accounts, a new policy idea that provides matches for poor people who save for home purchase, post-secondary education, and microenterprise. The proposed measures of savings take into account the passage of time and the three stages of saving: putting in (depositing), keeping in (maintaining a balance), and taking out (withdrawing). Together, the measures help describe how people move financial resources through time.

Project: American Dream Policy Demonstration (ADD)

Citation

Schreiner, M. (2004). Measuring saving (CSD Working Paper No. 04-08). St. Louis, MO: Washington University, Center for Social Development.

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2004American Dream Policy Demonstration (ADD)Individual Development Account (IDA)Mark Schreiner

Center for Social Development

Washington University in St. Louis

MSC 1196-251-46

One Brookings Drive

St. Louis, MO 63130

314-935-7433

csd@wustl.edu

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