Saving and Saving Behavior Among Banks Customers

ABSTRACT

The purpose of this research is to examine the saving behaviour of bank customers, their responses to saving.

In carrying out the study, review were made on some related works in different libraries here in Delta State as basis of the study with United bank for Africa as our case study. The study circle all about customers behaviour towards saving in chapter one, a brief review on what saving is about and how it came about was also analysed in this word and it was also state that saving is that part of disposable income not spend on consumption. 

It could be said that all useful tools in saving was discussed in chapter two. The main determinant of saving behaviour was looked into in this chapter. In carrying out this study, the questionnaire method was use to elicit information from employees in bank which show the response of their customers. Out of ten questionnaires that were administ3ered, all of them were returned of which were useful. The result of this study shows that customers are willing to save based on some condition such as increase interest rate, more banks should be established at strategic places so as could be easily reached and most of them have to be enlightened because the responses given by the questionnaires showed that the more enlightened people are the more that save. All this should be carried out to increase the saving habit in individual.

TABLE OF CONTENTS

Title page:

Certification:

Approval page:

Dedication:

Acknowledgement:

Abstract:

Table of Contents:

CHAPTER ONE

1.0Introduction

1.1Statement of the problem

1.2Objectives of the study

1.3Scope of the study

1.4Relevance of the study

1.5Limitation of the study

1.6research question

1.7the history of United bank of Africa

1.8operation Definition of term:

CHAPTER TWO

LITERATURE REVIEW

2.0Introduction

2.1Inflation and saving behaviour

2.2Income and saving

2.3Interest rate and savings

2.4Expected inflation

2.5Saving and wealth

2.6Saving and the household

2.7Public saving and the government budget

2.8Saving, Investment and financial markets

2.9Saving, self control and demonstration effects.

CHAPTER THREE

3.0RESEARCH METHODOLOGY

3.1RESEARCH DESIGN

CHAPTER FOUR

4.0INTRODUCTION

CHAPTER FIVE

5.0SUMMARY