Measuring and analyzing the household saving function for a sample of professors at Salah Adin University for the year 2022

Abstract

The issue of savings is considered one of the most important economic topics that have received great focus in economic analysis and studies due to the importance this variable represents at the local level in terms of its association with consumption on the one hand and private and government investment on the other hand, and the consequent development of strategies for the development of local savings on the other. The level of the family sector, businessmen, and the public sector. The study aims to: Determine the nature of the relationship between family saving and the most important explanatory variables that affect this type of saving, and develop effective and appropriate economic policies to raise the levels of this type of saving. A number of conclusions were reached, including: Depositing savings in banks is considered very important economically, and when they are deposited in the bank, they contribute to the financing of local and national economic projects. They deposit their savings in banks, compared to (20%) of those who put their savings in banks, and this situation reflects the lack of confidence of people in banks, which necessitates the need to raise awareness towards banks. The semi-logarithmic saving function (OLS) was the most suitable function for these data. The research reached to work on revitalizing and activating the performance of banks, and financial and investment institutions, in order to obtain people's confidence in their institutions. Work to encourage people to save in economic investment fields and not hoard money.