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Vad påverkar hushållens sparande i Sverige?: En makroekonomisk analys av hushållens sparande under perioden 1985 – 2020
University West, School of Business, Economics and IT, Divison of Law, Economics, Statistics and Politics.
2021 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [en]

During the last decade, consumption in Sweden has seen a consistent increase. During the same period there has also been a consistent increase of savings. For individuals, the incentive to save is driven by different factors. For some individuals, the largest incentive to save is for retirement funds and for others the largest incentive is to afford buying real estate. Saving money enables individuals to consume more in the future. The purpose of the study is to examine how personal saving rates in Sweden are affected by different variables during the period 1985 – 2020. Using OLS-regressions to measure the relationship between the personal saving rates and the different variables. The result from the study shows that real interest rates and inflation are the determinants with the largest impact on the personal savings rate. 

Abstract [sv]

Så väl konsumtion som privat sparande har ökat stadigt i Sverige under det senaste decenniet. I samhället drivs sparandet av olika incitament, för vissa är pensionssparandet det viktigaste och för andra är det viktigt att kunna köpa en bostadsrätt. Sparandet skapar en möjlighet att konsumera i framtiden och denna studie syftar till att undersöka hur hushållens sparande i Sverige har påverkats av olika faktorer under perioden 1985 – 2020.I studien har regressionsanalyser använts för att kunna mäta hur stor påverkan ett antalvariabler haft på sparkvoten över tid. Resultatet från studien visar att realränta samt inflation är de variabler som har störst påverkan på sparandet. 

Place, publisher, year, edition, pages
2021. , p. 26
Keywords [en]
Private Savings, Sweden, Real interest rate, Inflation, Household
Keywords [sv]
Privat Sparande, Sverige, Realränta, Inflation, Hushåll
National Category
Economics
Identifiers
URN: urn:nbn:se:hv:diva-17567Local ID: EXC513OAI: oai:DiVA.org:hv-17567DiVA, id: diva2:1603934
Subject / course
Nationalekonomi
Educational program
Mäklarekonomprogrammet, fastighet och finans
Supervisors
Examiners
Available from: 2021-10-18 Created: 2021-10-18 Last updated: 2021-10-18Bibliographically approved

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CiteExportLink to record
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Citation style
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