RURAL SAVINGS AMONG INDIVIDUALS AND SAVINGS MOBILIZATION BY FINANCIAL INSTITUTIONS IN EPE LOCAL GOVERNMENT AREA OF LAGOS STATE

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dc.contributor.authorBELLO, WASIU OLADIMEJI
dc.date.accessioned2014-03-17T09:27:24Z
dc.date.available2014-03-17T09:27:24Z
dc.date.issued1992-12
dc.descriptionA THESIS SUBMITTED TO THE POSTGRADUATE SCHOOL, AHMADU BELLO UNIVERSITY, IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF MASTER OF SCIENCE (ECONOMICS) DEPARTMENT OF ECONOMICS FACULTY OF ARTS AND SOCIAL SCIENCES AHMADU BELLO UNIVERSITY ZARIA.en_US
dc.description.abstractThis study examines Rural Savings Among Individuals and Savings Mobilisation by Financial Institutions in Epe Local Government Area of Lagos State. The work sets out to ascertain the relationships between the savings of individuals and socio-economic variables, which include income, age, education, family size, inflation, interest rate and proximity to banks. The operations and activities of banks in the rural area toward saving mobilisation were also examined. A - Priori expectations on socio-economic characteristics of respondents vis-a-vis their savings indicated that the income of respondents and the rate of interest had tremendous impacts on their savings. With the exception of the level of education and family size, both of which ran contrary to expectations, other variables confirmed the a-priori expectations. Whereas, there was considerable growth in the volume of deposit liabilities of the banks, there was no commensurate growth in the loans granted the rural folks. The M.P.S. and Income Elasticity of savings were (25.60) and (1.69) respectively. This outcome justifies the hypothesis and also confirms the existence of savings in the rural areas. In view of the overwhelming influence of savings in the development process, its mobilisation by government and their agencies seems, rather unwieldy. It is suggested for policy considerations that the surging rate of inflation be stemmed if incomes of individuals would have any meaningful effects both on consumption and savings. The speculative era pervading all spheres of the economy in favour of the productive sector deserved an urgent attention and appraisal by appropriate authorities. The government could in this regard resuscitate the economy with the provision of adequate credit facilities to rural industrialists with viable projects.en_US
dc.identifier.urihttp://hdl.handle.net/123456789/3973
dc.language.isoenen_US
dc.subjectRURAL SAVINGS,en_US
dc.subjectINDIVIDUALS,en_US
dc.subjectSAVINGS,en_US
dc.subjectMOBILIZATION,en_US
dc.subjectFINANCIAL INSTITUTIONS,en_US
dc.subjectEPE,en_US
dc.subjectLOCAL GOVERNMENT AREA,en_US
dc.subjectLAGOS STATEen_US
dc.titleRURAL SAVINGS AMONG INDIVIDUALS AND SAVINGS MOBILIZATION BY FINANCIAL INSTITUTIONS IN EPE LOCAL GOVERNMENT AREA OF LAGOS STATEen_US
dc.typeThesisen_US
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