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What are the information costs faced by savers?
Proactive Personality
describes individuals who are naturally inclined to take initiative and effect change in their environments rather than simply reacting to circumstances.
Social Cognitive Theory
A theory of learning and social behavior which proposes that new behaviors can be acquired by observing and imitating others.
Model
A representation, often simplified, of a system or phenomenon, used for analysis, interpretation, or to guide decisions.
Self-efficacy
Refers to an individual's belief in their capacity to execute behaviors necessary to produce specific performance attainments.
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