Cultural Effects and Savings: Evidence from Immigrants to the United Arab Emirates
利用阿联酋3206户家庭调查数据，发现不同国家/地区移民的储蓄率差异显著，巴基斯坦和印度移民虽收入较低但储蓄率高于阿拉伯国家移民，表明文化对储蓄有强烈影响。
This study attempts to investigate the effects of cultural origin on the saving behaviour of immigrants in the United Arab Emirates (UAE). Using household survey data covering 3206 households, savings rates are found to be remarkably different across households from different countries/regions. Immigrants from developing countries appear to be uniform in terms of average household size, age, education and occupation. However, immigrants from Pakistan and India are found to have higher average savings rates than those from Arab countries, although they have relatively lower incomes. This suggests strong cultural effects on savings, a proposition that is generally supported by the econometric findings of this research.