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Background <p>Saving refers to sacrificing current consumption in order to improve one's living standard in the future. Whereas an asset is any resource from which the economic owners can currently or in the past have derived and will continue to get benefits. Thus, this study aimed to explore the spatial distribution and associated factors of saving habit and ownership of asset in Ethiopia from LSMS2018/19 data.</p> Methods <p>In this study, the data were taken from the Living Standards Measurement Study 2018/19. 5650 households were selected by using a two-stage stratified random sampling technique. Spatial distribution, separate, and bivariate binary logistic regression analyses were applied.</p> Results <p>The survey consisted of a total of 5650 households; of them, 2,308 (40.8%) and 1879 (33.3%) had a saving habit and their own asset, respectively. The study's findings also indicate that the estimated odds of saving habit and ownership of asset among households who do not have health insurance were lower by 44.9% and 48.9% compared to households who have private and employer health insurance, respectively. The estimated odds of households saving habit and ownership of asset where they lived in rural areas were lower by 43.6% and 93.6%, respectively compared to households who lived in urban areas. When natural logarisim of distance increased by one kilometre, households’ saving habit and ownership of asset were lower by 14.6% and 12.5%, respectively.</p> Conclusion <p>Spatial distribution of saving habit and ownership of asset across Somalle, Gambela, and Affar regions were predicted to have less proportion compared to other regions. Based on the results of the bivariate binary logistic regression model, religion, region, place of residence, types of health insurance, wife occupation, the ability to read and write, house ownership, natural logarithm of distance, and dependency ratio had significant associations with both outcomes. According to the result we recommend the government and other concerned bodies should pay attention to increase the availability of saving institutions and to inform households about the importance of asset ownership.</p>

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Spatial distribution and determinants of saving habit and ownership of asset among households in Ethiopia: evidence from living standards measurement study 2018/19 data

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  • 出版模式：

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  • 发表日期：

    2025年6月23日

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  • Birhan Walie Alamneh,
  • Demeke Lakew Workie,
  • Teshager Assefa Sisha,
  • Dereje Tesfaye Zekie,
  • Getachew Abate Dagnew

摘要

Background

Saving refers to sacrificing current consumption in order to improve one's living standard in the future. Whereas an asset is any resource from which the economic owners can currently or in the past have derived and will continue to get benefits. Thus, this study aimed to explore the spatial distribution and associated factors of saving habit and ownership of asset in Ethiopia from LSMS2018/19 data.

Methods

In this study, the data were taken from the Living Standards Measurement Study 2018/19. 5650 households were selected by using a two-stage stratified random sampling technique. Spatial distribution, separate, and bivariate binary logistic regression analyses were applied.

Results

The survey consisted of a total of 5650 households; of them, 2,308 (40.8%) and 1879 (33.3%) had a saving habit and their own asset, respectively. The study's findings also indicate that the estimated odds of saving habit and ownership of asset among households who do not have health insurance were lower by 44.9% and 48.9% compared to households who have private and employer health insurance, respectively. The estimated odds of households saving habit and ownership of asset where they lived in rural areas were lower by 43.6% and 93.6%, respectively compared to households who lived in urban areas. When natural logarisim of distance increased by one kilometre, households’ saving habit and ownership of asset were lower by 14.6% and 12.5%, respectively.

Conclusion

Spatial distribution of saving habit and ownership of asset across Somalle, Gambela, and Affar regions were predicted to have less proportion compared to other regions. Based on the results of the bivariate binary logistic regression model, religion, region, place of residence, types of health insurance, wife occupation, the ability to read and write, house ownership, natural logarithm of distance, and dependency ratio had significant associations with both outcomes. According to the result we recommend the government and other concerned bodies should pay attention to increase the availability of saving institutions and to inform households about the importance of asset ownership.