Savings Behaviour Of Rural Farm Households

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Savings Behaviour Of Rural Farm Households

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Author : Paramaiah Channaganu
language : en
Publisher: LAP Lambert Academic Publishing
Release Date : 2010-08

Savings Behaviour Of Rural Farm Households written by Paramaiah Channaganu and has been published by LAP Lambert Academic Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-08 with categories.

This is one of the books to provide a Comprehensive analyses of the determinants of Rural Farm Household Savings of coastal Andhra Pradesh, India. The importance of savings in economic growth needs no specific emphasis. Savings are crucial in both developed and developing countries. The very process of economic development depends upon the communities' ability to save and invest. The aim of developed countries is to sustain its growth in the context of growing population and developing countries is to improve the living conditions of the people. The experience of the countries where economic development is taking place clearly shows that capital formation in those countries is more than 10 percent of their national income. The Economic and Demographic determinants of the Rural Farm Household Savings presented and interpreted in the context of literature from developed and developing countries. The book addressed to fill the gap by estimating and examining the factors influencing savings behaviour of rural farm households in Coastal Andhra Pradesh with varying levels of agricultural development. It is useful to economists and researchers.

Saving For A Rainy Day

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Author : Paul Mpuga
language : de
Publisher:
Release Date : 2008-06-01

Saving For A Rainy Day written by Paul Mpuga and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-06-01 with Business & Economics categories.

We use farm household data from the Uganda household surveys for 1992/93, 1995/96, 1996/97 and 1999/2000 to examine peasant household saving behaviour in the face of shocks. We find that the size of land owned, level of education of household members, educational level of the household head, and variation in rainfall determine household income and savings. Uganda's peasant households are forward looking: they save relatively large proportions of their transitory income. The results suggest that households use savings to buffer consumption, with the implication that temporary shocks to income may not significantly affect household welfare. This is an important consumption smoothing mechanism for the peasant households in the rural areas of Uganda where financial institutions are absent.

Rural Savings Behavior

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Author : Chita Tanchoco-Subido
language : en
Publisher:
Release Date : 1981

Rural Savings Behavior written by Chita Tanchoco-Subido and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1981 with Farmers categories.

Savings And Farm Investment In Bangladesh

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Author : Rushidan Islam Rahman
language : en
Publisher:
Release Date : 2000

Savings And Farm Investment In Bangladesh written by Rushidan Islam Rahman and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2000 with Bangladesh categories.

Rural Financial Markets

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Author : Mokhtar Tamin
language : en
Publisher:
Release Date : 1980

Rural Financial Markets written by Mokhtar Tamin and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1980 with categories.

Savings Patterns Of Small Scale Farmers In A Peri Urban Area Moretele District North West Province

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Author : Matome Enos Morokolo
language : en
Publisher:
Release Date : 2013

Savings Patterns Of Small Scale Farmers In A Peri Urban Area Moretele District North West Province written by Matome Enos Morokolo and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with categories.

The study uses the conventional economic approaches to savings behaviour as a point of departure. In the past, agricultural programmes and policies overlooked the importance of savings mobilization in favour of credit extension programmes. This line of economic development approach arose from the assumption that poor rural people cannot save and will not respond to opportunities to save. The latest research results clearly demonstrate that rural people do mobilise significant voluntary savings, even at their low levels of income. The thrust of the study was to research savings behaviour and motivation to save by resource poor farmers, with specific reference to farmers in Moretele District, Northwest Province. The study tested the hypothesis that poor people cannot save, and went further to analyse determinants of savings behaviour, motivations to save, sources of savings mobilization, savings accounts used and motivations to use a specific savings product. The application of the life cycle hypothesis was also analysed. Linear multiple regression, Ordinary Least Squares (OLS) technique, analysis of variance (ANOV A), and factor analysis (FA) were used to analyse the data pertinent to the study. The findings of the study confirmed income as a major determinant of savings mobilization in the district. The extent of dependency, defined as the proportion of the population of a country falling in the age groups of 0-15 and 64 years and older, considered economically unproductive and therefore not counted as part of the country's labour force was found to have a negative effect on the ability of farmers to save. This is due to large family sizes and high levels of dependency in households. Age was also discovered to influence savings behaviour, but not in accordance with the application of the life cycle hypothesis. With regards to motivations to save, it was found that farmers in the district mainly save to cater for emergencies and for grandchildren's education, and not for accumulation/investment purposes. In addition to the abovementioned savings motives, farmers were however found to consider an investment imperative as reflected by an interaction between savings for accumulation and emergency purposes. The low investment imperative may change if other emergency management structures are considered. The main sources of savings mobilization for the farmers were income from livestock sales and government social security grant (government old age pension). These farmers were discovered to prefer ordinary savings plans. The rationale for this choice was found to be motivated by ease of quick access to savings and the liquidity provided by this savings product. The liquidity requirement is regarded as a strategy to address emergencies and any other financial need that might arise. The findings of the study calls for policy instruments that will expedite the implementation of outreach programmes and strategies for voluntary savings mobilization that will cater for investment imperative and emergency needs. Critical to this will be the development of savings products that respond to the various needs of resource poor farmers as well as to serve different categories of rural savers. The decentralization of savings institutions and linking of formal and informal financial institutions will enhance access to financial services by the rural population. Policies intended to discourage large families would help reduce the high rates of dependencies and relieve pressure on household income, which could be used for savings.

Rural Financial Markets Project Selected Publications

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Author :
language : en
Publisher:
Release Date : 1977

Rural Financial Markets Project Selected Publications written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1977 with Agricultural credit categories.

Collection of papers from various sources.

Agricultural Household Models

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Author : Inderjit Singh
language : en
Publisher:
Release Date : 1986

Agricultural Household Models written by Inderjit Singh and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1986 with Agricultural industries categories.

This book presents the basic model of an agricultural household that underlies most of the case studies undertaken so far. The model assumes that households are price-takers and is therefore recursive. The decisions modeled include those affecting production and the demand for inputs and those affecting consumption and the supply of labor. Comparative results on selected elasticities are presented for a number of economies. The empirical significance of the approach is demonstrated in a comparison of models that treat production and consumption decisions separately and those in which the decisionmaking process is recursive. The book summarizes the implications of agricultural pricing policy for the welfare of farm households, marketed surplus, the demand for nonagricultural goods and services, the rural labor market, budget revenues, and foreign exchange earnings. In addition, it is shown that the basic model can be extended in order to explore the effects of government policy on crop composition, nutritional status, health, saving, and investment and to provide a more comprehensive analysis of the effects on budget revenues and foreign exchange earnings. Methodological topics, primarily the data requirements of the basic model and its extensions, along with aggregation, market interaction, uncertainty, and market imperfections are discussed. The most important methodological issues - the question of the recursive property of these models - is also discussed.

Farm Accounts Family Budgets Of Selected Rural Families And Cost Of Production Of Major Crops In The Punjab

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Author :
language : en
Publisher:
Release Date : 1998

Farm Accounts Family Budgets Of Selected Rural Families And Cost Of Production Of Major Crops In The Punjab written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1998 with Agriculture categories.

Savings And Investment In Farm Households

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Author : Euan Phimister
language : en
Publisher:
Release Date : 1993

Savings And Investment In Farm Households written by Euan Phimister and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with Business & Economics categories.