期刊名称：South-Eastern Europe Journal of Economics (SEEJE)
印刷版ISSN：1109-8597
电子版ISSN：1792-3115
出版年度：2019
卷号：17
期号：1
页码：129-153
出版社：Association of Economic Universities of South and Eastern Europe and the Black Sea Region
摘要：In the last decade, the financial situation of pension funds in Tunisia has worsenedbecause of demographic and economic factors. These changes will make solidaritybetween generations more difficult and will prompt the government to institutesome reforms regulating basic pension. This scenario of probable changes involvesvoluntary contributions to retirement saving schemes offered by financialinstitutionsin order to supplement future pensions of workers. The aim of thispaper is to understand Tunisian working population’s savings behaviour, referring,for this purpose, to microeconomic factors, while assessing the current status oflife insurance and funded pension schemes in Tunisia. To this end, a survey1 wascarried out on a representative population of Tunisian individuals affiliated to thethree main public pension schemes and approached through savings theories andthe Life Cycle Model (Modigliani 1954), in particular.
关键词：Life Insurance; Retirement Savings; Life Cycle Theory
