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L’objectif de ce document est de r\u00e9sumer l’analyse men\u00e9e pour fournir des \u00e9l\u00e9ments au projet pilote de r\u00e9gime hybride de protection sociale (Hybrid Social Protection Scheme – HSPS). Les r\u00e9sultats empiriques sugg\u00e8rent que l’\u00e9ducation financi\u00e8re, l’inclusion num\u00e9rique et le soutien familial sont les principaux moteurs de la demande d’\u00e9pargne. \u00c0 l’inverse, les pr\u00eats, les m\u00e9thodes de transfert d’argent et le manque de ma\u00eetrise des d\u00e9penses ont des effets n\u00e9gatifs sur le comportement d’\u00e9pargne. L’\u00e9tude souligne la n\u00e9cessit\u00e9 d’am\u00e9liorer les comp\u00e9tences en litt\u00e9ratie, de promouvoir l’acc\u00e8s au num\u00e9rique et de fournir des initiatives de formation et de sensibilisation personnalis\u00e9es pour mettre en \u0153uvre avec succ\u00e8s le syst\u00e8me d’\u00e9pargne-logement. <\/strong><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" L’objectif de ce document est de r\u00e9sumer l’analyse men\u00e9e pour fournir des \u00e9l\u00e9ments au projet pilote de r\u00e9gime hybride de protection sociale (Hybrid Social Protection Scheme – HSPS). Les r\u00e9sultats empiriques sugg\u00e8rent que l’\u00e9ducation financi\u00e8re, l’inclusion num\u00e9rique et le soutien familial sont les principaux moteurs de la demande d’\u00e9pargne. \u00c0 l’inverse, les pr\u00eats, les m\u00e9thodes…<\/p>\n","protected":false},"author":2098,"featured_media":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":""},"categories":[],"tags":[3052,2834],"document_type":[2766],"acf":[],"_links":{"self":[{"href":"https:\/\/p4h.world\/fr\/wp-json\/wp\/v2\/documents\/987737602"}],"collection":[{"href":"https:\/\/p4h.world\/fr\/wp-json\/wp\/v2\/documents"}],"about":[{"href":"https:\/\/p4h.world\/fr\/wp-json\/wp\/v2\/types\/documents"}],"author":[{"embeddable":true,"href":"https:\/\/p4h.world\/fr\/wp-json\/wp\/v2\/users\/2098"}],"replies":[{"embeddable":true,"href":"https:\/\/p4h.world\/fr\/wp-json\/wp\/v2\/comments?post=987737602"}],"version-history":[{"count":4,"href":"https:\/\/p4h.world\/fr\/wp-json\/wp\/v2\/documents\/987737602\/revisions"}],"predecessor-version":[{"id":987737616,"href":"https:\/\/p4h.world\/fr\/wp-json\/wp\/v2\/documents\/987737602\/revisions\/987737616"}],"wp:attachment":[{"href":"https:\/\/p4h.world\/fr\/wp-json\/wp\/v2\/media?parent=987737602"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/p4h.world\/fr\/wp-json\/wp\/v2\/categories?post=987737602"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/p4h.world\/fr\/wp-json\/wp\/v2\/tags?post=987737602"},{"taxonomy":"document_type","embeddable":true,"href":"https:\/\/p4h.world\/fr\/wp-json\/wp\/v2\/document_type?post=987737602"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}