In some of the countries, the lack of active saving is also a concern, although here there are large variations by country. In Hungary just 27% had been saving in the previous 12 months whilst in Malaysia almost everyone had done so (97%). In all, only three countries found that more than 80% of their population were actively saving. The likelihood of setting long term goals also varies by country: more than 7 in 10 Peruvians reported that they did set long term goals, compared with just 3 in 10 Albanians. Whilst borrowing to make ends meet is not widespread,.