DETERMINANTS OF MEMBERS SAVING BEHAVIOR IN RURAL SAVING AND CREDIT COOPERATIVES (THE CASE OF YELEMANA DENSA WOREDA)

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Focusing on the determinants of saving behavior, this study investigates rural saving and credit cooperatives in Yelemana Denessa, Amhara. It aims to assess clients' saving habits through demographic characteristics and socio-economic factors, while also examining shifts in these behaviors. Key variables analyzed include sex, age, education, marital status, family size, security, convenience, seniority, loan amounts, income sources, and interest rates. A sample of 120 members, along with cooperative experts and board members, was utilized for comprehensive data collection.