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wheat cultivars TD-1 and Moomal-2002 may be grown for maximum growth and yield under the agro-ecological conditions of Tandojam, Sindh, Pakistan
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... Numerous studies from literature found several socioeconomic determinants of household saving which are income of household head (M. A. Ahmad, Hashmi, Shehzadi, & Nawaz, 2021;Bashir, 2011;Ghafoor, Hussain, Naseer, Ishaque, & Baloch, 2010;T. Khan, Gill, & Haneef, 2013;Soharwardi, Khan, & Sherani, 2014), age of the household (Ghafoor et al., 2010;Soharwardi et al., 2014), children education (Bashir, 2011;Soharwardi et al., 2014), education (Abid & Afridi, 2010;Bashir, 2011;Ghafoor et al., 2010), family size (Abid & Afridi, 2010;Bashir, 2011;Siraj, Zafar, & Ibraheem, 2021;Soharwardi et al., 2014), and dependency ratio (Bashir, 2011;Ghafoor et al., 2010). ...
... Numerous studies from literature found several socioeconomic determinants of household saving which are income of household head (M. A. Ahmad, Hashmi, Shehzadi, & Nawaz, 2021;Bashir, 2011;Ghafoor, Hussain, Naseer, Ishaque, & Baloch, 2010;T. Khan, Gill, & Haneef, 2013;Soharwardi, Khan, & Sherani, 2014), age of the household (Ghafoor et al., 2010;Soharwardi et al., 2014), children education (Bashir, 2011;Soharwardi et al., 2014), education (Abid & Afridi, 2010;Bashir, 2011;Ghafoor et al., 2010), family size (Abid & Afridi, 2010;Bashir, 2011;Siraj, Zafar, & Ibraheem, 2021;Soharwardi et al., 2014), and dependency ratio (Bashir, 2011;Ghafoor et al., 2010). Household saving is positively linked up with spouse participation in economic activity, dependency rate, household income and size of landholdings. ...
... Numerous studies from literature found several socioeconomic determinants of household saving which are income of household head (M. A. Ahmad, Hashmi, Shehzadi, & Nawaz, 2021;Bashir, 2011;Ghafoor, Hussain, Naseer, Ishaque, & Baloch, 2010;T. Khan, Gill, & Haneef, 2013;Soharwardi, Khan, & Sherani, 2014), age of the household (Ghafoor et al., 2010;Soharwardi et al., 2014), children education (Bashir, 2011;Soharwardi et al., 2014), education (Abid & Afridi, 2010;Bashir, 2011;Ghafoor et al., 2010), family size (Abid & Afridi, 2010;Bashir, 2011;Siraj, Zafar, & Ibraheem, 2021;Soharwardi et al., 2014), and dependency ratio (Bashir, 2011;Ghafoor et al., 2010). Household saving is positively linked up with spouse participation in economic activity, dependency rate, household income and size of landholdings. ...
The purpose of this article is to examine household saving behavior in urban and rural areas of Pakistan. The study obtained microdata from the Household Integrated Economic Survey (HIES) 2018-19 and Pakistan Social Living Standards Measurements Survey (PSLM) 2018-19 conducted by the Pakistan Bureau of Statistics (PBS). A nationally representative sample of 5499 households is selected, 3155 from rural areas and 2344 from urban areas by using systematic sampling. The impact of socioeconomic and demographic characteristics on household saving behavior is investigated by applying a multiple linear regression model through Ordinary Least Squares (OLS) estimation method. A strong relationship between household saving behavior and socioeconomic and demographic characteristics is observed. Income has a positive impact on household savings, but age, dependency ratio, and family size have a negative effect. Furthermore, it is found that as the household income rises, their savings rise as well. Although, people residing in rural areas tend to save more amount contrary to urban households. However, saving rates of household with large families exhibited a decline in saving. Government should introduce new saving schemes in banks and reduce non-development expenditures for productive plans. It will provide motivation for domestic saving and an upsurge in employment opportunities.
... Baharumshah et al., (2003) have also investigated saving behaviour in five Asian economies and findings of this study have revealed that impact of dependency ratio was found to be inconclusive long-run but it was positive in short-run on savings behaviour. Bashir and Faridi, (2011) have also investigated saving behaviour of different income groups in Multan, Pakistan. Results of this study were that factors that cause deduction in savings is educational expense, house vale, family size, and liabilities, whereas, dependency rate and income are the factors that cause increase in saving behaviour. ...
Private savings are considered gauge of economic health. In times when people rely more on debts rather than their savings, economy is found to be more under financial pressures. This study is established to determine the impact of various macroeconomic variables on private savings of Pakistan. This research covers 30 years from 1990 to 2019. Independent variables of the study are FDI, GDP, Remittance and Inflation. Impact of all these variables was checked on Private savings. This is a descriptive cum explanatory research and secondary data is collected. Descriptive statistics is applied for explaining data rigorously and regression analysis is applied for testing hypotheses and understanding the significance of relationship between selected dependent and independent variables. Level of significance considered in this study was 5%. The results have revealed that FDI has significant and positive, age dependency ratio and remittance have significant but negative and inflation has insignificant impact on private savings of Pakistan.
Numerous socioeconomic, racial, and demographic aspects influence household decisions. This study uses primary data from 243 salaried class homes to investigate behavioral aspects that influence human decision-making. The main factor that affects the decision to save money is financial hardship. Households of the salaried class experience financial stress due to impulsive conduct, consumer debt, consumer financing products, pro-consumptive behavior, family financial support, and domestic externalities. All variables play a substantial effect in determining financial stress, according to the descriptive study. The financial stress Ordered Logit model concludes that consumer loan and domestic externalities have positive impact on financial stress whereas family financial support has negative impact.
