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Credit and demographic factors: implications for income and saving in Tanzania

Author

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  • Jehovaness Aikaeli
  • Michael O.A. Ndanshau

Abstract

This study seeks to establish empirical effect of access to credit and demographic factors on income and saving in urban and rural households of Tanzania. The analysis is based on Household Budget Survey. Blinder-Oaxaca decomposition technique is employed to estimate deviations of mean incomes and saving between the rural and urban households. Income in both rural and urban households is determined by education and saving, but earning is less for females than males. The study reveals that saving is positively associated with income, level of education, age and hedging against dependence. Access to credit is an important determinant of saving in rural households.

Suggested Citation

  • Jehovaness Aikaeli & Michael O.A. Ndanshau, 2021. "Credit and demographic factors: implications for income and saving in Tanzania," African Journal of Economic and Sustainable Development, Inderscience Enterprises Ltd, vol. 8(2), pages 111-139.
    • Handle: RePEc:ids:ajesde:v:8:y:2021:i:2:p:111-139
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