July 21, 2025 Thesis Open Access

KAPITO EFA

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  <identifier identifierType="DOI">10.20372/nadre:10771</identifier>
  <creators>
    <creator>
      <creatorName>KAPITO EFA</creatorName>
      <affiliation>Mattu University</affiliation>
    </creator>
  </creators>
  <titles>
    <title>"DETERMINANTS OF EMPLOYEES' SAVING PRACTICE IN PUBLIC SECTOR ORGANIZATION": CASE OF BUNO BEDELE ZONE OF BEDELE TOWN</title>
  </titles>
  <publisher>Zenodo</publisher>
  <publicationYear>2025</publicationYear>
  <subjects>
    <subject>Employee Saving Culture and Determinant Factors,</subject>
  </subjects>
  <contributors>
    <contributor contributorType="Supervisor">
      <contributorName>ENDALE ALEMU</contributorName>
      <affiliation>Mattu University</affiliation>
    </contributor>
  </contributors>
  <dates>
    <date dateType="Issued">2025-07-21</date>
  </dates>
  <resourceType resourceTypeGeneral="Text">Thesis</resourceType>
  <alternateIdentifiers>
    <alternateIdentifier alternateIdentifierType="url">https://nadre.ethernet.edu.et/record/10771</alternateIdentifier>
  </alternateIdentifiers>
  <relatedIdentifiers>
    <relatedIdentifier relatedIdentifierType="DOI" relationType="IsVersionOf">10.20372/nadre:10770</relatedIdentifier>
    <relatedIdentifier relatedIdentifierType="URL" relationType="IsPartOf">https://nadre.ethernet.edu.et/communities/mattu_university</relatedIdentifier>
  </relatedIdentifiers>
  <rightsList>
    <rights rightsURI="http://www.opendefinition.org/licenses/cc-by">Creative Commons Attribution</rights>
    <rights rightsURI="info:eu-repo/semantics/openAccess">Open Access</rights>
  </rightsList>
  <descriptions>
    <description descriptionType="Abstract">&lt;p&gt;Saving is an important behaviour that can promote long run economic growth particularly at individual and household level and considered as an important variable in the theory of economic growth determining both national and individual wellbeing. However, saving level in Ethiopia is very low and little is known empirically about its determinants. This paper was analysed with the objectives of assessing the saving habits and identifying the demographic variables that significantly influence saving decision of public sector employees in Bedele town, Ethiopia. In order to meet these objective primary data were collected by distributing self-administrated questionnaires using simple random sampling techniques; accordingly 279 sample respondents were selected from the total population of 920 employees. The data were distributed to the respondents using treaty sampling technique. Descriptive statistics and inferential analysis was used to analyse the effect of explanatory variables, like age, working experiences, income level, and expenditure, and family size, social and capital factor on the dependent variable which is saving decision. A total of eight explanatory variables were included in the regression. The results obtained from the analyses conclude that only detail awareness or training and expenditure level of the employees have positive and significant impact on saving decision of the public employees. However, the rest, six (6) variables have negative and significant impact, in this case. Finally, it is recommended that to create wide range of awareness in urban areas through financial education and training relating to saving and finance.&lt;/p&gt;</description>
  </descriptions>
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