TABLE OF CONTENTS

 TITEL PAGE ………………………………………………………… i     

 APPROVAL PAGE ………………………………………………….. ii

 DEDICATION ………………………………………………………..iii    

 ACKNOWLEDGMENT ………………………………………………iv

 ABSTRACT …….……………………………………………………..v

 TABLE OF CONTENTS………………………………………………vi

CHAPTER ONE

 INTRODUCTION

Background of Study ……………………………………………1-8

Statement of Problems …………………………………………. 8-9

Aim of study …………………………………………………….10

Objectives of the Study ………………………………………….10

Statement of Hypothesis …………….…………………………..10

Significance of the study…………………………………………11

Scope and limitation of the study………………………………...12

CHAPTER TWO

LITERATURE REVIEWS

 2.1 Stylized evolution of savings in Nigeria ……………………..13-20

 2.2 Trend of savings in Nigeria …………………………………..20-29

 2.3 Theoretical review and Evidence….………………………….29-37

 2.4 Empirical review and Evidence ………………………………37-45

 2.5 Factors influencing savings in Nigeria ……………………….45-55

CHAPTER THREE

RESEARCH METHODOLOGY  

 3.1 Model Specification ………………………………………….56-59

 3.2 Method of Evaluation ………………………………………. 59-64

 3.3 Economic Apriori Criteria……………………………………65

 3.4 Data Required and Source ……………………………………66

CHAPTER FOUR

PRESENTATION OF REGRESSION RESULTS         

 4.1 ADF Test for Stationary …………………………………………67-70

 4.2 Co integration test ……………………………………………….70-71

 4.3 Presentation of model results ……………………………………72-73

 4.4 Economic interpretation of results ………………………………73-75

 4.5 Statistical Criteria for Evaluation of Result (R2)…………………76-78

 4.6 Econometric criterion (Second order test) ………………………79-83

 4.7 Evaluation of the hypothesis …………………………………….83-84

CHAPTER FIVE

SUMMARY, RECOMMENDATIONS AND CONCLUSION             

 5.1 Summary of Findings ……………………………………………85-86

 5.2 Policy Recommendations ………………………………...............87-88

 5.3 Conclusion ……………………………………………………….88-89

 Bibliography …………………………………………………………90-94

 Appendixes ……………………………………………