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Household Financial Savings Mobilisation: Empirical Evidence from Uganda

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  • Barnabas Kiiza
  • Glenn Pederson

Abstract

Panel data are used to examine household savings behaviour in Uganda and the part that is played by formal financial institutions in mobilising those savings. We show that the probability a household will acquire a deposit instrument from a financial institution increases significantly for both rural and urban households with improvements in several factors. Those factors include the level of information that is made available to the household, the degree of household access to the financial institution, the level of education of the head of household and the density of financial institutions in the area where the household is located. Among those households that report holding bank savings deposits, the level of net deposits is positively influenced by increases in the availability of credit facilities, lower transaction costs (as reflected by the quality of financial services provided by the institution) and higher permanent income. Relatively higher real rates of return on physical assets and higher transaction costs (due to reduced accessibility) both have significant negative effects on the level of net deposits held by households.

Suggested Citation

  • Barnabas Kiiza & Glenn Pederson, 2001. "Household Financial Savings Mobilisation: Empirical Evidence from Uganda," Journal of African Economies, Centre for the Study of African Economies, vol. 10(4), pages 390-409.
    • Handle: RePEc:oup:jafrec:v:10:y:2001:i:4:p:390-409.
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    File URL: http://hdl.handle.net/10.1093/jae/10.4.390
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    Cited by:

    1. Farhana Nasrin, 2023. "An Empirical Analysis of Macroeconomic and Bank Specific Factors Ascertaining Bank Deposit: A Study on Bangladesh," International Journal of Economics and Financial Issues, Econjournals, vol. 13(3), pages 46-55, May.
    2. David Mhlanga, 2022. "An analysis of the influence of socioeconomic and demographic factors on financial inclusion in underdeveloped regions," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 11(6), pages 341-349, September.
    3. Sun, Sicong & Nabunya, Proscovia & Byansi, William & Sensoy Bahar, Ozge & Damulira, Christopher & Neilands, Torsten B. & Guo, Shenyang & Namuwonge, Flavia & Ssewamala, Fred M., 2020. "Access and utilization of financial services among poor HIV-impacted children and families in Uganda," Children and Youth Services Review, Elsevier, vol. 109(C).
    4. David Mhlanga & Adewale Samuel Hassan, 2022. "Financial Participation Among Smallholder - Farmers in Zimbabwe: What Are the Driving Factors?," Academic Journal of Interdisciplinary Studies, Richtmann Publishing Ltd, vol. 11, July.
    5. Courtney Blair & Erica Gralla & Finley Wetmore & Jarrod Goentzel & Megan Peters, 2021. "A Systems Framework for International Development: The Data‐Layered Causal Loop Diagram," Production and Operations Management, Production and Operations Management Society, vol. 30(12), pages 4374-4395, December.

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