• Achamoh victalice Ngimanang
• Mekam Pouatcha Mathurin Aime
• Kuipou Toukam Christophe

This paper has as objective to examine the determinants of household savings in Cameroon using time series data from 1979 to 2018, collected mainly from the World Bank database. The data were analysed using multivariate regression analysis and the ordinary least square technique was used to estimate the parameters of the model, as well as the Engle and Granger causality test. The model residual was diagnosed for heteroscedasticity, autocorrelation and the normality. The result of household saving model was globally significant at five percent and the model very adequate with all the independent variables accounting for 79 percent of the changes in househould savings. For the three hypotheses, the relationship between interest rate and household savings is positive and significant at five percent. The relation between GDP growth was also positive and equally significant at five percent. The results report a negative relationship between savings and the rate of inflation which was not significant indicating, that the three hypotheses which were set initially to guide this study are attained except for inflation rate that the relation was negative as expected but not very significant. Based on the major findings of this study, it is recommended that policy makers could encourage household saving in Cameroon by increasing the interest so as to make savings more attractive. Equally by stimulating the level of economic activities with the aim of creating more income generating activities and, finally, by suppressing inflation in the economy even though with cautions.

interest rates, income levels, inflation rate and household savings

"Investigating the effects of interest rates, income levels and inflation rate on household savings in Cameroon", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 2, page no.d321-d332, February-2023, Available :http://www.jetir.org/papers/JETIR2302341.pdf

"Investigating the effects of interest rates, income levels and inflation rate on household savings in Cameroon", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 2, page no. ppd321-d332, February-2023, Available at : http://www.jetir.org/papers/JETIR2302341.pdf