Les Déterminants De L’Épargne Des Ménages Au Maroc : Une Analyse Par Milieu Géographique
AbstractThis article provides an analysis of the microeconomic determinants of household savings behaviour in Morocco both in urban and rural areas. Our descriptive statistics indicate several and relatively similar savings deter-minants in Morocco regardless of the area considered. Then, we estimate household saving models using economic and demographic variables. Econo-metric results do not confirm our previous results. Indeed, current income strongly affects the savings level in the urban area whereas the literacy of the household’s head is determinant in the rural one. However, the life cycle hypothesis is not supported by the results. The household’s size has a significant negative impact in the urban case only, while women heads of household save more than men, except for highest income levels. The results clearly show that savings household’s behaviour is different depending on the home geographical area.
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Bibliographic InfoArticle provided by Region et Developpement, LEAD, Universite du Sud - Toulon Var in its journal Région et Développement.
Volume (Year): 35 (2012)
Issue (Month): ()
SAVINGS; MICROECONOMETRICS; INDIVIDUAL DATA; MOROCCO;
Other versions of this item:
- Mage, Sabine & El Mekkaoui de Freitas, Najat & Abdelkhalek, Touhami & Arestoff, Florence, 2012. "Les déterminants de l'épargne des ménages au Maroc ; une analyse par milieu géographique," Economics Papers from University Paris Dauphine 123456789/10120, Paris Dauphine University.
- E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth
- D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
- C3 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Beck, T.H.L. & Demirgüç-Kunt, A. & Levine, R., 2000.
"A new database on financial development and structure,"
Open Access publications from Tilburg University
urn:nbn:nl:ui:12-3125518, Tilburg University.
- Beck, Thorsten & Demirguc-Kunt, Asli & Levine, Ross, 1999. "A new database on financial development and structure," Policy Research Working Paper Series 2146, The World Bank.
- John K Gibson & Grant M Scobie, 2001. "Household Saving Behaviour in New Zealand: A Cohort Analysis," Treasury Working Paper Series 01/18, New Zealand Treasury.
- Pierre-Richard Agénor & Karim El Aynaoui, 2005. "Politiques du marché du travail et chômage au Maroc : une analyse quantitative," Revue d’économie du développement, De Boeck Université, vol. 19(1), pages 5-51.
- Carpenter, Seth B & Jensen, Robert T, 2002. "Household Participation in Formal and Informal Savings Mechanisms: Evidence from Pakistan," Review of Development Economics, Wiley Blackwell, vol. 6(3), pages 314-28, October.
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