The Influence of Design Costs on Investments in Individual Savings Accounts

2013 ◽  
Author(s):  
Justin van de Ven
Keyword(s):  
Savings Accounts

Savings and Prize-Linked Savings Accounts

CFA Digest ◽  
2015 ◽  
Vol 45 (3) ◽  
Author(s):  
Mathias Moersch
Keyword(s):  
Savings Accounts

MEDICAL SAVINGS ACCOUNTS AS A TOOL FOR INCREASING DOCTORS ' SALARIES AND MOTIVATING RUSSIAN CITIZENS TO HIGH-PERFORMANCE WORK AND A HEALTHY LIFESTYLE

2020 ◽  
Vol 2 (7) ◽  
pp. 24-31
Author(s):  
E. V. SOKOLOV ◽  
◽  
E. V. KOSTYRIN ◽  
Keyword(s):  
Labor Productivity ◽  
Russian Federation ◽  
High Performance ◽  
Healthy Lifestyle ◽  
Medical Personnel ◽  
Increase Labor Productivity ◽  
Healthcare Financing ◽  
Savings Accounts ◽  
Medical Savings Accounts ◽  
The Russian Federation

The article proves that it is impossible to achieve a significant increase in the salary of medical personnel within the existing system of healthcare financing of the Russian Federation, namely, in accordance with the “may” Decrees of 2012 by V. V. Putin, to bring the salary of doctors to a level twice higher than the average for the region by 2018. It is proved that to achieve the necessary results in terms of increasing doctors’ salaries and motivating citizens to increase labor productivity and a healthy lifestyle, it is necessary to transfer the system of healthcare financing within the framework of obligatory medical insurance to medical savings accounts.

School Vouchers and Student Rights: Trading Constitutional Protections for Contractual Obligations

2019 ◽  
Author(s):  
Julie F. Mead
Keyword(s):  
Public School ◽  
Private School ◽  
Freedom Of Speech ◽  
Tax Credit ◽  
Publicly Funded ◽  
Public Funds ◽  
Savings Accounts ◽  
Contractual Obligations ◽  
Constitutional Protections ◽  
Scholarship Programs

When the Court in Tinker v. Des Moines famously declared that students do not “shed their constitutional rights to freedom of speech or expression at the schoolhouse gate,” everyone understood that the gate was the entrance to a public school, funded by state tax dollars and operated by state officials. No one on the Court had yet contemplated what might happen to those students’ rights if the gate accessed a private school and public funds were used to buy that entry. Publicly funded subsidies for private education have evolved considerably since the Court heard Tinker and now parents in many states may use public funds to choose the school for their child via voucher programs, tax credit scholarship programs, and education savings accounts. But what impact does such a choice have on the rights students typically enjoy in schools? This chapter explores that question and explains that even though voucher and voucher-like programs like tax credit scholarship programs and education savings accounts are publicly funded, the rights afforded to children when they enroll in a private school through such a program do not mirror those enjoyed in public school settings. In fact, when parents exercise a voucher, they effectively trade constitutional protections for contractual obligations. That trade has significant impacts on the claims that may be brought should concern arise over issues related to students’ rights to freedom of speech, freedom of religion, or due process.

scholarly journals Active vs. Passive Decisions and Crowd-Out in Retirement Savings Accounts: Evidence from Denmark *

2014 ◽  
Vol 129 (3) ◽  
pp. 1141-1219 ◽  
Author(s):  
Raj Chetty ◽  
John N. Friedman ◽  
Søren Leth-Petersen ◽  
Torben Heien Nielsen ◽  
Tore Olsen
Keyword(s):  
Government Expenditure ◽  
Wealth Accumulation ◽  
Retirement Savings ◽  
Total Saving ◽  
Savings Accounts ◽  
Retirement Accounts ◽  
Tax Subsidies ◽  
Crowd Out ◽  
Savings Rates

Abstract Using 41 million observations on savings for the population of Denmark, we show that the effects of retirement savings policies on wealth accumulation depend on whether they change savings rates by active or passive choice. Subsidies for retirement accounts, which rely on individuals to take an action to raise savings, primarily induce individuals to shift assets from taxable accounts to retirement accounts. We estimate that each $1 of government expenditure on subsidies increases total saving by only 1 cent. In contrast, policies that raise retirement contributions if individuals take no action—such as automatic employer contributions to retirement accounts—increase wealth accumulation substantially. We estimate that approximately 15% of individuals are “active savers” who respond to tax subsidies primarily by shifting assets across accounts; 85% of individuals are “passive savers” who are unresponsive to subsidies but are instead heavily influenced by automatic contributions made on their behalf. Active savers tend to be wealthier and more financially sophisticated. We conclude that automatic contributions are more effective at increasing savings rates than subsidies for three reasons: (i) subsidies induce relatively few individuals to respond, (ii) they generate substantial crowd-out conditional on response, and (iii) they do not increase the savings of passive individuals, who are least prepared for retirement.

Preventive Policy Strategy for Banking the Unbanked: Savings Accounts for Teenagers?

2015 ◽  
Vol 20 (1) ◽  
pp. 2-33 ◽  
Author(s):  
Terri Friedline ◽  
Mathieu Despard ◽  
Gina A. N. Chowa
Keyword(s):  
Policy Strategy ◽  
Savings Accounts ◽  
Preventive Policy

Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah dan Loyalitas Nasabah Tabungan Britama Pada PT. Bank Rakyat Indonesia (Persero) Tbk Cabang Samarinda

2020 ◽  
Vol 8 (3) ◽  
pp. 199
Author(s):  
Poppy Alvianolita Sanistasya
Keyword(s):  
Data Collection ◽  
Customer Satisfaction ◽  
Service Quality ◽  
Path Analysis ◽  
Customer Loyalty ◽  
Significant Influence ◽  
Data Collection Methods ◽  
Savings Accounts ◽  
Collection Methods

This study aims to determine: (1) the effect of service quality on customer loyalty; (2) the effect of service quality on customer loyalty; (3) the effect of satisfaction on customer loyalty. The type of research (explanatory effect). Samples of 110 respondents of savings accounts in BRI branch Samarinda. This study uses survey methode and data collection methods using questionnaires. Analysis of data used path analysis. Results of the path analysis can be seen that: (1) service quality variable have a significant effect on customer satisfaction variable; (2) service quality variable have a significant influence on customer loyalty variable; (3) customer satisfaction variable do not have a significant effect on customer loyalty variable.

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