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Determinants of Farm Households Savings in District Kohat, KP, Pakistan

Determinants of Farm Households Savings in District Kohat, KP, Pakistan

Malik Muhammad Shafi, Rabia Habib and Haidar Ali*

Institute of Development Studies, Faculty of Rural Social Sciences, The University of Agriculture, Peshawar, KP, Pakistan.

*Correspondence | Haidar Ali, Institute of Development Studies, Faculty of Rural social sciences, The University of Agriculture, Peshawar, Khyber Pakhtunkhwa, Pakistan; Email:


For exploring key factors affecting farmers’ savings the study was designed in district Kohat (KP, Pakistan). For the purpose of data collection, interview schedule and direct observation was used as a research tools. Through random sampling technique, a sample size of 90 households from 452 farm households were taken. Total consumption expenditures, total income, and land size were the variables which showed significant results. Because their overall p-values indicates significant results at 5% significant value. Results of these variables revealed a positive relationship between household (farmers) savings and total income with coefficient 0.332143 and P-value 0.00*** and land size with coefficient 1823.08 and P-value 0.000*** in the study area. On other hand, total consumption expenditures with coefficient -0.472555 and P-value 0.00*** had a negative association with household savings in the research area. Furthermore, 56% of the farmers having household savings between the ranges of 5,000 to 9,999, PKR while 25% of farmers had household saving from zero to 4,999, PKR. Similarly, the highest 78% of sampled farmers were earning above and 49,999 PKR followed by the farmers (15%) with income from 40,000 to 49,999 PKR. According to this study, small farmers can increase their savings through the provision of off-farm opportunities. To minimizing the expenditures, the small farmers can used  better household budget management technique to increase their savings.

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Sarhad Journal of Agriculture


Vol.39, Iss. 1, Pages 1-297


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