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Accueil du site → Doctorat → États-Unis → 1988 → Mobilization of rural savings in developing countries : The case of Mali

University of Cincinnati (1988)

Mobilization of rural savings in developing countries : The case of Mali

Wague, Amadou

Titre : Mobilization of rural savings in developing countries : The case of Mali

Auteur : Wague, Amadou.

Université de soutenance  : University of Cincinnati

Grade : Doctor of Philosophy (PhD) 1988

Résumé partiel
This study is concerned with the mobilization of voluntary rural savings in Mali. To this effect a formal model of small farmer’s financial savings (i.e., accumulation of financial assets by small farmer) is set. The model takes into account the peculiar economic environment of the sub-Sahara (Mali) farming system—lack of rainfall and irrigation facilities—to define the constraints that the utility maximizing farmer faces. The hypothesis derived from the model reads that small farmer’s financial savings is negatively related to bank-loan size, and positively related to the farmer’s income, the borrowing rate, and the deposit rate.

In the empirical study, each of the regressors, bank-loan size, the farmer’s income, the borrowing rate, the deposit rate, enters the small farmer’s financial savings with the expected signs, just as hypothesized. Given small farmer’s financial savings behavior, a policy index—small farmer’s financial savings—income ratio is defined to assess the performance of the financial savings mobilization program of the banking institution. The regression results once again confirm the effect of bank’s policy variables—bank-loan size, the borrowing rate, and the deposit rate—as hypothesized. The small farmer is found to decrease his net holding of financial assets with the bank (i.e., savings account balances) as bank loan amounts increase, and the other policy variables, the borrowing rate, and the deposit rate are held constant. The small farmer is also found to increase his net holding of financial assets with the bank as any of bank policy variables—the borrowing rate, the deposit rate—increases and the other policy variable and bank-loan size are held constant.

Présentation (ProQuest)

Page publiée le 29 juillet 2021