@incollection{,
	
					
					
					82B3ADAD9F3873C21DAB700AACA511BE
				,
	author={{Mohammad KamrulAhsan} and {Metropolitan University, Sylhet, Bangladesh}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}15111323
}

@incollection{b0,
	
	
		,
	title={{Assessing the Household Saving Pattern of Urban and Rural Households inDistrict Muzaffarabad}}
		,
	author={{
			Abid
		} and {
			GSAfridi
		}}
		
	
	
		,
	journal={{Pakistan Journal of Life and Social Sciences}}
		
			8
			2
			
			,
	year={2010}
		
	
	,
	note={Pak. j. life soc. Sci.}

}

@incollection{b1,
	
	
		,
	title={{The impact of demography, growth and public policy on household saving: a case study of Pakistan}}
		,
	author={{
			MHAhmad
		} and {
			ZAtiq
		} and {
			SAlam
		} and {
			SMButt
		}}
		
		
		
	
	
		,
	journal={{Asia-Pacific Development Journal}}
		
			13
			2
			,
	year={2006}
		
	

}

@book{b2,
	
	
		,
	author={{
			MKAhsan
		}}
		,
	title={{Factors Affecting propensity to Save: A Study in Sylhet City. BIBM Annual Banking Conference}}
				
			,
	year={2015. 2015. November 22-23, 2015}
		
	
	,
	note={Paper presented}

}

@incollection{b3,
	
	
		,
	title={{Reliability and Validity Testing of A New Scale For Measuring Attitudes Toward Learning Statistics With Technology}}
		,
	author={{
			SDAnastasiadou
		}}
	
	
		,
	journal={{Acta Didactica Napocensia}}
		2065-1430
		
			4
			,
	year={2011. November 1, 2011}
		
	

}

@incollection{b4,
	
	
		,
	title={{Socioeconomic Characteristics and Household Savings: An analysis of the Households' Saving behavior in Pakistan}}
		,
	author={{
			NABurney
		} and {
			AHKhan
		}}
		
	
	
		,
	journal={{The Pakistan Development Review}}
		
			31
			1
			
			,
	year={1992}
		
	

}

@incollection{b5,
	
	
		,
	title={{What is coefficient alpha? An examination of theory and applications}}
		,
	author={{
			JMCortina
		}}
	
	
		,
	journal={{Journal of Applied Psychology}}
		
			78
			
			,
	year={1993}
		
	

}

@incollection{b6,
	
	
		,
	title={{Coefficient alpha and the internal structure of tests}}
		,
	author={{
			LJCronbach
		}}
	
	
		,
	journal={{Psychometrika}}
		
			16
			3
			
			,
	year={1951}
		
	

}

@book{b7,
	
	
		,
	title={{Franco Modigliani and the Life Cycle Theory of Consumption, Research Program in Development Studies and Center for Health and Wellbeing}}
		,
	author={{
			ADeaton
		}}
		
		
			,
	year={2005. 2015}
			,
	address={Princeton University}
		
	
	,
	note={Accessed 22 November}

}

@book{b8,
	
	
		,
	title={{The factors affecting the level of household savings and their influence on economy development, 8th International scientific conference Financial management of firms and financial institutions Ostrava V?B-TU Ostrava, faculty of economics, finance department 6th -7th}}
		,
	author={{
			BFraczek
		}}
		
			,
	year={2011. September 2011}
		
	

}

@book{b9,
	
	
		,
	title={{Determinants of Saving Behaviour in Rural and Tribal Households (An}}
		,
	author={{
			SP RGedela
		}}
		
			,
	year={2012}
		
	

}

@incollection{b10,
	
	
		,
	title={{The determinants and long-term projections of saving rates in Developing Asia}}
		,
	author={{
			ChHorioka
		} and {
			ATerada-Hagiwara
		}}
		
	
	
		,
	journal={{Japan and the World Economy}}
		
			24
			2
			
			,
	year={2012}
		
	

}

@book{b11,
	
	
		,
	title={{Determinants of Saving And Investment in Deprived District Capitals in Ghana -A}}
		,
	author={{
			HIssahaku
		}}
		
			,
	year={2011}
		
	

}

@incollection{b12,
	
	
		,
	title={{Case Study Of Nadowli in The Upper West Region Of Ghana}}
		
	
	
		,
	journal={{Continental J.Social Sciences}}
		2141 -4265
		
			4
			
		
	

}

@incollection{b13,
	
	
		,
	title={{The application of electronic computers to factors analysis}}
		,
	author={{
			?Kaiser
		} and {
			F
		}}
		
	
	
		,
	journal={{Educational and Psychological Measurement}}
		
			20
			
			,
	year={1960}
		
	

}

@book{b14,
	
	
		,
	author={{
			MHKutner
		} and {
			CJNachtsheim
		} and {
			JNeter
		}}
		
		
		,
	title={{Applied Linear Regression Models}}
				
			,
	year={2004}
		
	
	,
	note={4th ed.}

}

@book{b15,
	
	
		,
	title={{}}
		,
	author={{
			Mcgraw-HillIrwin
		}}
		
	

}

@incollection{b16,
	
	
		,
	title={{Determinants of household saving: Case study of smallholder farmers, entrepreneurs and teachers in rural areas of Kenya}}
		,
	author={{
			LawrenceKKibet
		} and {
			BenjaminKMutai
		} and {
			DesterioEOuma1
		} and {
			ShemAOumaand George Owuor
		}}
		
		
		
		accessed: 10
		
	
	
		,
	journal={{Journal of Development and Agricultural Economics}}
		2006-9774
		
			1
			7
			
			,
	year={2009. October, 2009. 2009. November 2015}
		
	
	,
	note={Academic Journals}

}

@book{b17,
	
	
		,
	title={{Instilling a Culture of Savings in South Africa}}
		,
	author={{
			MMManyama
		}}
		
			,
	year={2007}
		
		
			Gordon Institute of Business Science, University of Pretoria, South Africa
		
	
	,
	note={An MSc Thesis Presented at}

}

@incollection{b18,
	
	
		,
	title={{Savings Determinants among Rural Households in Southwest Nigeria}}
		,
	author={{
			OObi-Egbedi
		} and {
			OAlawode
		} and {
			AESoneye
		}}
		
		
		ISSN: 1944-6551
		
	
	
		,
	journal={{World Rural Observations}}
		1944 6543
		
			6
			4
			
			,
	year={2014. 2014}
		
	
	,
	note={Print}

}

@incollection{b19,
	
	
		,
	title={{Rural-Urban Saving Differentials in Pakistan:Investigation from Primary Data}}
		,
	author={{
			HRehman
		} and {
			ISChaudhry
		} and {
			MZFaridi
		} and {
			FBashir
		}}
		
		
		
	
	
		,
	journal={{A Research Journal of South Asian Studies}}
		
			26
			1
			
			,
	year={2011. January-June 2011}
		
	

}

@book{b20,
	
	
		,
	title={{The Impact of Access to Credit on the Saving Behavior of Micro entrepreneurs: Evidence from Three Latin American Countries" A paper based on a Thesis submitted to the University of Oxford}}
		,
	author={{
			CSRogg
		}}
		
			,
	year={2000. June 1999}
		
	

}

@book{b21,
	
	
		,
	title={{Financial Sector Dualism: Determining Attributes for Small and Micro Enterprises in Urban Kenya: A Theoretical and Empirical Approach Based on Case Studies in Nairobi and Kisumu}}
		,
	author={{
			AOShem
		}}
		
			,
	year={2002}
			,
	publisher={Shaker Verlag}
			,
	address={Aachen}
		
	

}

@incollection{b22,
	
	
		,
	title={{The Multiple Linear Regression Analysis in SPSS -Available at: http://www.Statistics Solutions.com/ The Multiple Linear Regression Analysis in SPSS}}
		2015 ,
	 10.00PM
	
	
		,
	journal={{Statistics Solution}}
		
			,
	year={2015. December 01}
		
	

}

@incollection{b23,
	
	
		2015: 10.00PM
		
	
	
		,
	booktitle={{The minitab blog. (2015) what-in-the-world-is-a-vif}}
				
	

}

@incollection{b24,
	
	
		,
	title={{A Beginner's Guide to Factor Analysis: Focusing on Exploratory Factor Analysis}}
		,
	author={{
			G AYong
		} and {
			SPearce
		}}
		
	
	
		,
	journal={{Tutorials in Quantitative Methods for Psychology}}
		
			9
			2
			
			,
	year={2013. 2013}
		
	

}