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Les déterminants de l'épargne des ménages au Maroc : une analyse par milieu géographique

Author

Listed:
  • Najat El Mekkaoui de Freitas

    (LEDa - Laboratoire d'Economie de Dauphine - IRD - Institut de Recherche pour le Développement - Université Paris Dauphine-PSL - PSL - Université Paris Sciences et Lettres - CNRS - Centre National de la Recherche Scientifique)

  • Touhami Abdelkhalek

    (LEDa - Laboratoire d'Economie de Dauphine - IRD - Institut de Recherche pour le Développement - Université Paris Dauphine-PSL - PSL - Université Paris Sciences et Lettres - CNRS - Centre National de la Recherche Scientifique)

  • Florence Arestoff

    (LEDa - Laboratoire d'Economie de Dauphine - IRD - Institut de Recherche pour le Développement - Université Paris Dauphine-PSL - PSL - Université Paris Sciences et Lettres - CNRS - Centre National de la Recherche Scientifique)

  • Sabine Mage

    (LEDa - Laboratoire d'Economie de Dauphine - IRD - Institut de Recherche pour le Développement - Université Paris Dauphine-PSL - PSL - Université Paris Sciences et Lettres - CNRS - Centre National de la Recherche Scientifique)

Abstract

Cet article propose une analyse des déterminants microéconomiques de l'épargne des ménages au Maroc à partir d'une enquête menée à la fois en zone urbaine et en zone rurale. Les statistiques descriptives étudiées dans une première partie laissent supposer que les déterminants de l'épargne au Maroc sont multiples et relativement communs aux deux zones, l'analyse économétrique que nous proposons permet de préciser nos résultats. Le revenu courant a un impact positif sur le niveau d'épargne en zone urbaine contrairement à la zone rurale où l'alphabétisation apparaît déterminante. L'hypothèse de cycle de vie n'est pas confirmée. En zone urbaine uniquement, la taille du ménage influence négativement le montant d'épargne tandis que les femmes chefs de ménage épargnent plus que les hommes à l'exception des ménages à très haut revenu. Le comportement d'épargne des ménages s'avère donc sensiblement différent selon leur lieu de résidence.

Suggested Citation

  • Najat El Mekkaoui de Freitas & Touhami Abdelkhalek & Florence Arestoff & Sabine Mage, 2012. "Les déterminants de l'épargne des ménages au Maroc : une analyse par milieu géographique," Post-Print hal-01491261, HAL.
    • Handle: RePEc:hal:journl:hal-01491261
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    References listed on IDEAS

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    1. Seth B. Carpenter & Robert T. Jensen, 2002. "Household Participation in Formal and Informal Savings Mechanisms: Evidence from Pakistan," Review of Development Economics, Wiley Blackwell, vol. 6(3), pages 314-328, October.
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    More about this item

    Keywords

    Epargne; enquête ménages;

    JEL classification:

    • 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

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