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Les Déterminants De L’Épargne Des Ménages Au Maroc : Une Analyse Par Milieu Géographique

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  • Touhami ABDELKHALEK

    (INSEA, Rabat, Maroc.)

  • Florence ARESTOFF

    (Université Paris-Dauphine, LEDa, Paris, France ; IRD, UMR 225-DIAL, Paris, France.)

  • Najat EL MEKKAOUI DE FREITAS

    (Université Paris-Dauphine, LEDa, Paris, France ; IRD, UMR 225-DIAL, Paris, France.)

  • Sabine MAGE-BERTOMEU

    (Université Paris-Dauphine, LEDa, Paris, France ; IRD, UMR 225-DIAL, Paris, France.)

Abstract

This 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 Info

Article provided by Region et Developpement, LEAD, Universite du Sud - Toulon Var in its journal Région et Développement.

Volume (Year): 35 (2012)
Issue (Month): ()
Pages: 195-214

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Handle: RePEc:tou:journl:v:35:y:2012:p:195-214

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Keywords: SAVINGS; MICROECONOMETRICS; INDIVIDUAL DATA; MOROCCO;

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  1. 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.
  2. 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.
  3. 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.
  4. 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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