Dynamicity in Economic Profiles of Households

1. Dynamicity in Economic Profiles of Households A Preliminary Analysis of Income, Expenditure, Saving, Borrowing, and Debt (2005 Wave-1 vs. 2007 Wave-3 Panels)

2. Survey SamplesN 2005 (wave 1) = 6,000; N 2007 (wave 3) = 5,964 households

3. No. of sampled households

4. Cross-sectional analysis

5. Income and Expenditure by Quintile(Min. – max. and mean in Baht per capita) * excluding one household with income per capita = 1,534,667 Baht

6. Income and Expenditure by Wealth Quintile(Mean, Baht per capita)

7. Wealth Index vs. Income vs. Expenditure(Correlation coefficient)

8. Consumption expenditure and saving as a function of income (Baht per capita, weighted analysis of 5,999 households) Saving = Inc – Exp 45-degree line Exp = 1,456 + 0.287*Inc R2 = 0.526 Borrowing Income per capita

9. Consumption expenditure and saving as a function of income (Baht per capita, weighted analysis of 5,953 households) 45-degree line Exp = 2,117 + 0.277*Inc R2 = 0.468 Saving = -2,117 + 0.723*Inc Income per capita

10. Income vs. Expenditure by wealth quintile (Percent of households)

11. Income net of expenditure vs. Reported saving (Percent of households)

12. Presence of saving, borrowing, and debt by wealth quintile (Percent of households)

13. Purpose of borrowing by wealth quintile(% Fraction of households and median Baht1,000 per household) 30.6% 13.3% 4.7% 15.2% 30.4% 5.7% B30K B400K B30K B362K B50K B25K B17K B90K B20K B60K B40K B30K B15K B20K B26K B40K B25K B5K 42.1% 4.9% 3.8% 6.8% 36.6% 5.9% 54.5% 2.9% 9.4% 7.4% 21.6% 4.2% 32.0% 14.1% 6.4% 16.8% 27.5% 3.2% B36K B400K B70K B368K B50K B80K B15K B50K B16K B47K B30K B30K B10K B15K B10K B30K B20K B25K 38.3% 7.9% 5.0% 6.0% 36.5% 6.3% 48.6% 5.8% 4.1% 6.5% 29.9% 5.1%

14. Exp. fractions of food, health, and education by wealth quintile (Mean percentage)

15. Exp. fractions of food, health, and education by exp. quintile (Mean percentage)

16. Presence of positive exp. in health/education by wealth quintile (Percent of households)

17. Health expenditure by hospitalization% persons with positive health exp. and Baht per month (median; mean)Individual level analysis using household members’ weights

18. Health expenditure by health insuranceWave 3 only *Individual level analysis using household members’ weights * No insurance data in 2005 wave 1 survey

19. Longitudinal analysis

20. Change in economic quintiles, wave-1 weighted Wave 3 Wave 1

21. Income change by wave-3 wealth quintile% of households (Baht per capita, mean)

22. Expenditure change by wave-3 wealth quintile% of households (Baht per capita, mean)

23. Presence of saving by wave-3 wealth quintile% of households (Baht per capita, mean)

24. Presence of borrowing by wave-3 wealth quintile% of households (Baht per capita, mean)

25. Presence of debt by wave-3 wealth quintile% of households (Baht per capita, mean)

26. Food exp. fraction changeby wave-3 wealth quintile% of households (Percentage points -pp, mean)

27. Health exp. fraction changeby wave-3 wealth quintile% of households (Percentage points -pp, mean)

28. Education exp. fraction changeby wave-3 wealth quintile% of households (Percentage points -pp, mean)

29. Change in saving by income change

30. Change in saving by expenditure change

31. Change in borrowing by income change

32. Change in borrowing by expenditure change

33. Change in debt by income change

34. Change in debt by expenditure change

35. Change in debt by borrowing change