tulonkäyttäjäkunnan

Tulonkäyttäjäkunta refers to a group of people who rely on limited financial resources and use cash sporadically. This concept is often studied within the fields of economics and consumer behavior. The term 'tulonkäyttäjäkunta' is Finnish and can be translated to 'income user community'.

Tulonkäyttäjäkunta is associated with the Deaton paradox, a concept explained by econometrician Angus Deaton in 1992. The paradox states that people with lower incomes do not necessarily spend all of their income on consumption, rather they may use financial literacy and other strategies to stretch their resources.

Research on tulonkäyttäjäkunta suggests that people in this community make conscious decisions about their daily expenses and income allocation. This means that their cash spending can be irregular and react to changes in the economic situation. People on a low income can save money when faced with an economic shock.

Important studies on the topic include Katja Pirtillä's 2002 dissertation and Matti Sarvimäki's 2011 dissertation, both focused on economic behavior in Finland within the context of tulonkäyttäjäkunta. Loritz et al. have also conducted studies on deviations from proximate principles, which can be linked to tulonkäyttäjäkunta and the impact of literature on household consumption.

Misperceptions of people with low incomes have implications for monetary policy and fiscal policy. The characteristics of tulonkäyttäjäkunta can also provide insight into financial difficulties faced by individuals experiencing famine in developing countries.