مجلة الأصيل للبحوث الاقتصادية والإدارية

Financial Literacy And Household Saving Behavior In Algeria: A Theoretical And Literature-based Analysis Of Financial Decision-making.

Auteurs : Brahmi Assia .

Résumé

Financial literacy plays an important role in shaping household financial behavior and improving financial decision-making. This study examines the relationship between financial literacy and household saving behavior in Algeria through a theoretical and literature-based analysis. It reviews major theoretical approaches to household saving and synthesizes previous findings on financial literacy, saving behavior, and financial inclusion. The analysis also considers the Algerian financial context, including formal and informal saving practices, access to financial services, and digital financial services. The findings suggest that financial literacy supports better financial planning and informed saving decisions, while its effects depend on income, employment, financial access, and institutional conditions.

Mots clés

Financial Literacy; Household Saving; Financial Decision-Making; Financial Behavior; Algeria