麦肯锡-人人都能负担得起的美好生活让25亿人获得经济赋权.docx

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麦肯锡-人人都能负担得起的美好生活让25亿人获得经济赋权.docx

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May2024

Mcsey

GlobalInstitute

Abetterlifeeveryonecanafford:Liftingaquarterbillionpeopletoeconomicempowerment

Loweringthecostsofbasicgoodsandservicestoimprovelivingstandards

byKweilinEllingrud,MarcoPiccitto,TilmanTacke,RebeccaJ.Anderson,IshaaSandhu,andKevinRussell

Ataglance

—The“empowermentline”gaugesprogresstowardaworldinwhicheveryonecanmeettheiressentialneeds.Thisthreshold,setwellabovetheinternationalpovertyline,isthepointatwhichpeoplecanaffordastandardbasketofessentialgoodsandservicesandbegintosave.

—Economicgrowthisrapidlyimprovinglivingstandardsinlower-andmiddle-incomecountries,butthiseffectstallsoutinadvancedeconomies.Inwealthiercountries,highercostsandinequalitypreventabout20percentofthepopulationonaveragefromreachingfulleconomicempowerment.

—Strugglinghouseholdsbenefitfromhigherincomesonlywhenthosegainstranslateintogreater

purchasingpower.Comparingeconomiesateverystepoftheincomeladderrevealsthattheessentials

generallybecomemoreexpensiveascountriesbecomewealthier—andthesecostincreasestendtomatchorexceedincomegainsforthebottom20percentofhouseholds.Housingisthebiggestaffordabilityissueforhigher-andmiddle-incomeeconomies;foodcostsareanimportantdifferentiatorelsewhere.

—Ifallcountriescouldlowerthecostsofessentialgoodsandservicestomatchpeerswithbetter

affordabilityatthesameincomelevel,almostaquarterofabillionadditionalpeoplecouldreachtheempowermentline.Theseoutperformersshowthatitispossibletolimithouseholdexpendituresonbasicgoodsandservices.

—Whileaffordabilityisinfluencedbypolicyandthedeliveryofpublicservices,theprivatesectorhas

scopetoact.Inadditiontoeasingcostburdensfortheirownworkforcesandacrosstheirvaluechains,

businessescandevelopaffordableofferingsinhousing,energy

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