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The Potential For Financial Savings In Rural Mozambican Households


  • Amimo, Oliveira
  • Larson, Donald W.
  • Bittencourt, Maurício Vaz Lobo
  • Graham, Douglas H.


Many policy makers and businesses erroneously believe that rural populations, particularly in Africa, have no margin for savings over consumption needs. This study examines the potential for financial savings in rural Mozambican households by looking at the determinants of savings behavior. An econometric model for a household's saving behavior was estimated using data from 113 rural households from Nampula province in Mozambique. Results indicate that income, physical wealth, household size, and years of schooling affect a household's savings behavior. The study also finds that Mozambican rural households use their own grassroots associations for many financial services due to the lack of access to formal financial intermediaries.

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  • Amimo, Oliveira & Larson, Donald W. & Bittencourt, Maurício Vaz Lobo & Graham, Douglas H., 2003. "The Potential For Financial Savings In Rural Mozambican Households," 2003 Annual Meeting, August 16-22, 2003, Durban, South Africa 25921, International Association of Agricultural Economists.
  • Handle: RePEc:ags:iaae03:25921

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    1. Berthelemy, Jean-claude & Soderling, Ludvig, 2001. "The Role of Capital Accumulation, Adjustment and Structural Change for Economic Take-Off: Empirical Evidence from African Growth Episodes," World Development, Elsevier, vol. 29(2), pages 323-343, February.
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