Paradigm of Saving Behavior in Pakistan

Muhammad Ahsan Khan, Muhammad Ali, Waqas Baig, Hafiz Fawad Ali


Purpose: This paper focuses on the relationship between the Net National Saving and the impact of age dependency ratio, worker remittance, gross national income, and domestic credit to private sector with help of econometric tool in the prospective of Pakistan over the period 1992-2012.

Design/methodology/approach: The simple regression model of OLS (Ordinary Least Square) is used in this paper to check impact of Variables on the dependent variable. The variable used in this paper is extracted from different studies and to test their results specially keeping view the Modigalni Miller “Life Cycle” hypothesis.

Findings: This paper clearly shows that the pattern of the “Life Cycle” theory can be seen, that everyone wants to lead a stable life. The saving of young people is more than the old people and the impact of the domestic credit to the private sector positive and the foreign remittance play a negative part in saving. The growth with respect to the GDP is positive.

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