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A microeconometric analysis of household savings determinants in Morocco

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  • El Mekkaoui de Freitas, Najat
  • Mage-Bertomeu, Sabine
  • Arestoff, Florence
  • Abdelkhalek, Touhami

Abstract

This article provides an analysis of the microeconomic determinants of household savings behaviour in Morocco according to geographical household residence. Descriptive statistics seem to indicate a similar savings pattern in both rural and urban areas but the econometric results do not support this conclusion. 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 results do not confirm the life cycle hypothesis. The household’s size has a significant negative impact only in the urban case, while women heads of household save more than men, except for highest income levels. The results clearly show that urban and rural households behave differently with regards to savings.

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Paper provided by Paris Dauphine University in its series Economics Papers from University Paris Dauphine with number 123456789/12164.

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Date of creation: 2010
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Publication status: Published in African Review of Money Finance and Banking, 2010. pp. 7-27.Length: 20 pages
Handle: RePEc:dau:papers:123456789/12164

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Keywords: Savings; individual data; Morocco; microeconometrics;

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  1. Norman Loayza & Klaus Schmidt-Hebbel & Luis Servén, 2000. "What Drives Private Saving Across the World?," The Review of Economics and Statistics, MIT Press, vol. 82(2), pages 165-181, May.
  2. Klaus Schmidt-Hebbel & Luis Servén, 1997. "Does Income Inequality Raise Aggregate Saving?," Working Papers Central Bank of Chile, Central Bank of Chile 08, Central Bank of Chile.
  3. Kivilcim Metin Ozcan & Asli Gunay & Seda Ertac, 2003. "Determinants of private savings behaviour in Turkey," Applied Economics, Taylor & Francis Journals, Taylor & Francis Journals, vol. 35(12), pages 1405-1416.
  4. 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.
  5. Mark C. Foley & William Pyle, 2005. "Household Savings in Russia during the Transition," Middlebury College Working Paper Series, Middlebury College, Department of Economics 0522, Middlebury College, Department of Economics.
  6. Carpenter, Seth B & Jensen, Robert T, 2002. "Household Participation in Formal and Informal Savings Mechanisms: Evidence from Pakistan," Review of Development Economics, Wiley Blackwell, Wiley Blackwell, vol. 6(3), pages 314-28, October.
  7. James Ang, 2009. "Household Saving Behaviour in an Extended Life Cycle Model: A Comparative Study of China and India," Journal of Development Studies, Taylor & Francis Journals, Taylor & Francis Journals, vol. 45(8), pages 1344-1359.
  8. Amimo, Oliveira & Larson, Donald W. & Bittencourt, Mauricio V.L. & Graham, Douglas H., 2003. "The Potential For Financial Savings In Rural Mozambican Households," 2003 Annual Meeting, August 16-22, 2003, Durban, South Africa, International Association of Agricultural Economists 25921, International Association of Agricultural Economists.
  9. 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.
  10. Khaled Hussein & A. P. Thirlwall, 1999. "Explaining differences in the domestic savings ratio across countries: A panel data study," Journal of Development Studies, Taylor & Francis Journals, Taylor & Francis Journals, vol. 36(1), pages 31-52.
  11. 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.
  12. Suruga, Terukazu & Tachibanaki, Toshiaki, 1991. "The Effect of Household Characteristics on Saving Behaviour and the Theory of Savings in Japan," Empirical Economics, Springer, Springer, vol. 16(3), pages 351-62.
  13. Edwards, Sebastian, 1996. "Why are Latin America's savings rates so low? An international comparative analysis," Journal of Development Economics, Elsevier, Elsevier, vol. 51(1), pages 5-44, October.
  14. Denizer, Cevdet & Wolf, Holger & Ying, Yvonne, 2002. "Household Savings in the Transition," Journal of Comparative Economics, Elsevier, vol. 30(3), pages 463-475, September.
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Cited by:
  1. World Bank, 2013. "Republic of Armenia : Accumulation, Competition, and Connectivity," World Bank Other Operational Studies 16781, The World Bank.
  2. Ismail, Aisha & Rashid, Kashif, 2013. "Determinants of household saving: Cointegrated evidence from Pakistan (1975–2011)," Economic Modelling, Elsevier, Elsevier, vol. 32(C), pages 524-531.

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