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Les Déterminants De L’Épargne Des Ménages Au Maroc : Une Analyse Par Milieu Géographique

Author

Listed:
  • Touhami ABDELKHALEK

    (INSEA, Rabat, Maroc.)

  • Florence ARESTOFF

    (Université Paris-Dauphine, LEDa, Paris, France ; IRD, UMR 225-DIAL, Paris, France.)

  • Najat EL MEKKAOUI DE FREITAS

    (Université Paris-Dauphine, LEDa, Paris, France ; IRD, UMR 225-DIAL, Paris, France.)

  • Sabine MAGE-BERTOMEU

    (Université Paris-Dauphine, LEDa, Paris, France ; IRD, UMR 225-DIAL, Paris, France.)

Abstract

This article provides an analysis of the microeconomic determinants of household savings behaviour in Morocco both in urban and rural areas. Our descriptive statistics indicate several and relatively similar savings deter-minants in Morocco regardless of the area considered. Then, we estimate household saving models using economic and demographic variables. Econo-metric results do not confirm our previous results. Indeed, 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 life cycle hypothesis is not supported by the results. The household’s size has a significant negative impact in the urban case only, while women heads of household save more than men, except for highest income levels. The results clearly show that savings household’s behaviour is different depending on the home geographical area.

Suggested Citation

  • Touhami ABDELKHALEK & Florence ARESTOFF & Najat EL MEKKAOUI DE FREITAS & Sabine MAGE-BERTOMEU, 2012. "Les Déterminants De L’Épargne Des Ménages Au Maroc : Une Analyse Par Milieu Géographique," Region et Developpement, Region et Developpement, LEAD, Universite du Sud - Toulon Var, vol. 35, pages 195-214.
    • Handle: RePEc:tou:journl:v:35:y:2012:p:195-214
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    References listed on IDEAS

    as
    1. Pierre-Richard Agénor & Karim El Aynaoui, 2005. "Politiques du marché du travail et chômage au Maroc : une analyse quantitative," Revue d’économie du développement, De Boeck Université, vol. 13(1), pages 5-51.
    2. Dmitry Kulikov & Karsten Staehr, "undated". "Microeconometric analysis of household saving in Estonia: income, wealth, financial exposure," Bank of Estonia Working Papers wp2007-8, Bank of Estonia, revised 03 Feb 2015.
    3. John K Gibson & Grant M Scobie, 2001. "Household Saving Behaviour in New Zealand: A Cohort Analysis," Treasury Working Paper Series 01/18, New Zealand Treasury.
    4. Seth B. Carpenter & Robert T. Jensen, 2002. "Household Participation in Formal and Informal Savings Mechanisms: Evidence from Pakistan," Review of Development Economics, Wiley Blackwell, vol. 6(3), pages 314-328, October.
    5. repec:bla:rdevec:v:6:y:2002:i:3:p:314-28 is not listed on IDEAS
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    More about this item

    Keywords

    SAVINGS; MICROECONOMETRICS; INDIVIDUAL DATA; MOROCCO;
    All these keywords.

    JEL classification:

    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth
    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • C3 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables

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