Interpretation of rural savings behaviour: a cautionary tale

Stephen Morse and Nora McNamara
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Stephen Morse: International Development Centre, University of Reading, Reading, UK, Postal: International Development Centre, University of Reading, Reading, UK
Nora McNamara: DDS, POB 114, Idah, Kogi State, Nigeria, Postal: DDS, POB 114, Idah, Kogi State, Nigeria

Journal of International Development, 2000, vol. 12, issue 1, 29-43

Abstract: A number of studies have explored the relationship between uncertainty and savings behaviour amongst resource-poor farmers. This paper describes the results of such a study for five villages in the Ibaji area of Igalaland, Kogi State, Nigeria. Savings behaviour over a 20-year period was examined in the face of two severe types of shock: flooding and land war. The results suggest that although the macroeconomic climate in Nigeria could explain some general trends in savings behaviour, some clear peaks in activity were not due to shocks but to operational changes introduced by the non-government organization facilitating the savings scheme-the Diocesan Development Services (DDS). The results suggest that great care needs to be taken when interpreting such time-series data, especially as one peak in savings activity corresponded with the period of the land war. Copyright © 2000 John Wiley & Sons, Ltd.

Date: 2000
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Persistent link: https://EconPapers.repec.org/RePEc:wly:jintdv:v:12:y:2000:i:1:p:29-43

DOI: 10.1002/(SICI)1099-1328(200001)12:1<29::AID-JID575>3.0.CO;2-T

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