1. F. Ramsey, ‘‘A mathematical theory of savings,’’ Econ. J. 152 (38), 543–559 (1928).
2. A. Rudeva and A. Shananin, ‘‘Control synthesis in a modified Ramsey model with a liquidity constraint,’’ J. Differ. Equat. 45, 1835–1839 (2009).
3. A. Shananin, M. Tarasenko, and N. Trusov, ‘‘Consumer loan demand modeling of households in Russia,’’ Comput. Math. Math. Phys. 61, 1030–1051 (2021).
4. A. A. Shananin, M. V. Tarasenko, and N. V. Trusov, ‘‘Consumer loan demand modeling,’’ in Mathematical Optimization Theory and Operations Research: Recent Trends, Commun. Comput. Inform. Sci. 1476, 417–428 (2021).
5. Federal State Statistics Service of the Russian Federation. Russian Federation Household Budget Survey (HBS). https://obdx.gks.ru. Accessed December, 2022.