Saving and governments
Saving is a form of government borrowing in which the government urges people to save through appropriate tax-free offers.
It is the net disposable minus final consumer spending
Saving is a part of the net national product or national income that has been directed to building energies and resources
Savings are divided into two types
1 Savings made by individuals voluntarily and without coercion
Such as savings from the household sector and the private business sector
This is to keep part of the income away from spending
Kinds of this saving
Inflation
Social Security
Surplus
2- Saving the business sector
This type is called voluntary savings
In order for saving to improve in developing countries, they must achieve the following
Installment procedures for dealing with savings establishments
Create an atmosphere of stability
Encouraging the state to continue its activity
The national saving rate is raised
Reasons for the low national saving rate in Egypt
1 High amplification rates such as food
2 There is no surplus in the family that can be saved
3 Inflation rates exceed interest rates on deposits in banks
4 Rapid development in technology through modern communication means and an increase in entertainment consumption
For individuals
5 Towards banks to encourage the Kurds to consume through small and large loans
The escape of savings of people who lose business with banks in its current form
We have to deal with finding new savings containers. Lie words and fugitives and create new Islamic containers. O assert the Muslim savings to them.
The appropriate new containers work to relieve pressure on both the gold market and real estate, which serve as a savings sector for citizens who put their money as saving.
Investment is the part of the investor insider that relates to long-term assets, such as shares of companies, real estate, in order to increase the value of saving.
It is the preservation of liquidity, O purposes that are used in the short term that are not intended for consumption, and the small part of the interior is deposited on current accounts for purposes such as travel and buying furniture
The distribution of expenses varies from one home to another and depends on some social and psychological factors that determine the imposition budget
Reasons for individuals saving
Individuals are called upon to save in order to meet sudden future needs or finance private projects.
Investment related to capital spending on new projects, state sectors of public utilities and infrastructure construction
People who have reached no retirement age believe that investing is insurance for their future
Investment is one of the most important sources of wealth
Small investment for a large return