文章基本信息

标题：Saving patterns of rural households in east hararghe zone of Oromia National Regional State, Ethiopia
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作者：Girma Teshome ; Belay Kassa ; Bezabih Emana 等
期刊名称：Journal of Development and Agricultural Economics
电子版ISSN：2006-9774
出版年度：2014
卷号：6
期号：4
页码：177-183
DOI：10.5897/JDAE2013.0507
语种：English
出版社：Academic Journals
摘要：This study examined the patterns of rural household savings in East Hararghe zone of Oromia National Regional State in Ethiopia. The major objective of the study was to assess the patterns and its determinants of household savings in the study area. Data were collected from a total of 700 sample households which were also analyzed using descriptive statistics and multinomial logit model. The result of the study signified that 38.5, 23.4, and 38.1% of the sample households have saved in physical assets only, financial form only, and both in physical assets and financial forms, respectively. The result from the econometric model used indicated that, credit access, contact with development agents, leadership role of household heads in the community, information access and membership in microfinance institutions have a significant impact on savings in financial forms only. Whereas, livestock holdings of household in TLU, annual farm income in Birr and leadership role of household heads in the community have a significant effect on the choice of both financial savings and physical saving forms, as compared to saving in physical form only. This study indicated that, the rural households in the study area mainly use the physical forms for savings. However, this savings in physical forms in the study area was not accessed by the formal financial system of the country. Therefore, the study recommends the physical savings of the rural households should be accessed and encouraged to augment gross domestic saving of the country.
关键词：Saving patterns;household savings;east hararghe zone;oromia;Ethiopia