| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | attitude towards savings | Nigeria | More emphasis on communal support and immediate financial needs, with less prevalence of long-term saving habits. | 1 |
| 2 | cash savings | Nigeria | Cash savings often kept informally within social groups or as part of rotating savings and credit associations (ROSCAs) | 1 |