出版社：The International Institute for Science, Technology and Education (IISTE)
摘要：This study examined the determinants of domestic savings mobilization among the rural poor in Uasin-Gishu
county, Kenya. The general notion is that the subsistence farmers are too poor to save. This seems to be
unfounded given the fact that they are general excluded from formal financial services and studies on poverty in
the country show that the average propensity of the rural households to save is higher than the national average.
What are the factors which motivate small scale farmers to save? The study was conducted on 446 table banking
groups under the aegis of JOYWO, a table banking grouping in Kenya. Data was collected using structured
questionnaires from members of groups under the umbrella of JOYWO. The findings of the study indicates that
household income had a positive and significant effect on savings mobilization while dependency ratio had a
negative and significant effect on savings mobilization. Household size was not significant. The results point to
the need to expose the rural poor to informal savings and financing models expected to enhance income
generating capabilities of the rural poor and lower the level dependency through government welfare funding for
senior citizens and essential services for the young.
关键词：Savings mobilization; Table banking; Rural Poor; Joyful Women Group.
