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AFRICAN REVIEW 2010

A Microeconometric Analysis of Household Savings Determinants in Morocco Titolo A Microeconometric Analysis of Household Savings Determinants in Morocco
Autore TOUHAMI ABDELKHALEK, FLORENCE ARESTOFF, NAJAT EL MEKKAOUI DE FREITAS, SABINE MAGE    
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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