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Saving and compacting are two common concepts
07/3/2018 12:00 am [rtl] Dr.. Mustafa Kamel that the development of societies in the modern economy is dependent significantly the development of the population habits , and we mean the evolution of the population habits improve their behavior in terms of mutual trust in their daily dealings with each other, and learning continuously provide them with well motivated to improve the nature of their thinking and understanding of the events surrounding Astdrakem what is Better and strive to achieve based on experience in the past. As well as an improvement in their ability to judge the other things in a fair and more rational and logical. The habits of the population determine to some extent the nature of the dealings of the institutions with them, that is, there is a direct relationship between the evolution of population habits and behavior in dealing with the development of institutions in those communities, through the behavior of the population and maturity and discipline is determined by the ability of enterprises to expand their activities within the economy, General to provide goods and services to all segments of the population consistent with their behavior in consumption and tastes and the type of dealing with those institutions. Therefore, the people's desire to continuously develop these habits leads to the growth of their understanding and understanding of good dealing with each other and with institutions and with regulations and legislation, and that supports the regularity in the behavior of the population the nature of the laws that sponsor these behaviors (laws of discipline), ie the existence of regulatory environment, Harmonize and interact with good habits towards the bad habits of the population. The majority of the population today, when they receive their income, are divided into two parts: the first goes to consumption and the second to savings. This is stated in most economic theories which sought to analyze the behavior of individuals in decisions of consumption and saving. What interests us here is the second part, saving. Saving is, according to the view of many, the part that is deducted from non-expendable income. This concept is somehow misleading and will be clarified now. The portion of the income that is not allocated for consumption is not all savings, but part of it is called emergency reserves, in order to cope with emergency situations such as illness, damage to the home appliances, spending a journey, etc. And that the other part of it is called savings, but provided that it is deposited in the financial and banking institutions, that is to achieve a cash return, which is known as the interest rate, otherwise, if the individual keeps this amount in his possession without filing in the financial institutions and banking, it will turn into hoarding. This means that the remaining part of the above allocation of income is unemployed without benefiting from it (ie, does not generate an immediate monetary return to its owner). According to the logic of the economic theory, the revenues of the population in saving are good in supporting and developing institutions and revitalizing the economy. While the habits of the population in the compactness is bad because it prevents the flow of money to those institutions, which leads to poor performance and decrease their activities and effectiveness, which is reflected negatively in growth Economic development. The population of Iraq has been overcome by the habits of stagnation, most of which tend to retain more money than the rest of wealth. Thus, the distinction between what is good and what is bad is the most important factor in supporting and developing the economic environment. And institutions operating there. Where the banking habits of the population decreased significantly resulting in the limited financial and banking activities, as the proportion of deposits to GDP in Iraq in 2015 (30.9%) and in 2016 (31.7%), which is low compared to, for example in Egypt, This percentage is in 2015 (80.6%) and in Morocco (66.6%) in the same year. [/rtl] [rtl][You must be registered and logged in to see this link.][/rtl] |
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