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.

(2010). A microeconometric analysis of household savings determinants in Morocco [journal article - articolo]. In SAVINGS AND DEVELOPMENT. Retrieved from http://hdl.handle.net/10446/27499

A microeconometric analysis of household savings determinants in Morocco

2010-01-01

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.
articolo
2010
SAVINGS AND DEVELOPMENT
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.
Abdelkhalek, Touhami; Arestoff, Florence; DE FREITAS, NAJAT EL MEKKAOUI; Mage, Sabine
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