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Commercial bank offices and the mobilisation of private savings in selected sub-Saharan African countries

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  • S. I. Ikhide

Abstract

The mobilisation of domestic savings has remained a thriving issue in discussions of ways and means of harnessing resources for development in Africa. This work attempts to examine the role of a deliberate policy of extending offices of banks to the rural areas in savings mobilisation efforts. Using ordinary least squares methods, data from five African countries that have pursued this policy in recent times are examined, to see if there is any significant relationship between the savings rate and their population per bank office ratio. Our results are consistent with the hypothesis that the extension of branch offices of banks to rural areas could help attenuate the poor savings performance in most African economies.

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  • S. I. Ikhide, 1996. "Commercial bank offices and the mobilisation of private savings in selected sub-Saharan African countries," Journal of Development Studies, Taylor & Francis Journals, vol. 33(1), pages 117-132.
    • Handle: RePEc:taf:jdevst:v:33:y:1996:i:1:p:117-132
    DOI: 10.1080/00220389608422456
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    Cited by:

    1. Ernest Aryeetey & Christopher Udry, 2000. "Saving in Sub-Saharan Africa," CID Working Papers 38, Center for International Development at Harvard University.
    2. Uduakobong Inyang, 2022. "Risks to credit access in a developing economy:Focus on household characteristics and the choice of credit in the Niger Delta Region of Nigeria," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 11(2), pages 228-240, March.
    3. Pius B. Simon, 1998. "Informal Responses to Crises of Urban Employment: An Investigation into the Structure and Relevance of Small-scale Informal Retailing in Kaduna, Nigeria," Regional Studies, Taylor & Francis Journals, vol. 32(6), pages 547-557, August.

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