Apa Hipotesis Siklus Hidup (LCH)?

Hipotesis siklus hidup (LCH) adalah teori ekonomi yang menggambarkan memperlancar konsumsi sepanjang hidup mereka dengan meminjam ketika pendapatan mereka rendah dan menabung ketika pendapatan mereka tinggi.

LCH mengasumsikan bahwa individu merencanakan pengeluaran mereka selama hidup mereka, dengan mempertimbangkan pendapatan masa depan mereka. Oleh karena itu, mereka mengambil hutang ketika mereka masih muda, dengan asumsi pendapatan masa depan akan memungkinkan mereka untuk melunasinya. Mereka kemudian menabung di usia paruh baya untuk menjaga tingkat konsumsi mereka saat pensiun. Grafik pengeluaran individu dengan demikian menunjukkan pola berbentuk punuk di mana akumulasi kekayaan rendah selama masa muda dan usia tua dan tinggi selama paruh baya.

Life-Cycle Consumption Theory Visualized

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Life-Cycle Consumption Theory Visualized

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