INFLUENCE OF INCOME AND SAVINGS ON PURCHASING BEHAVIOUR OF WORKING CLASS WOMEN IN NIGER STATE, NIGERIA

ABSTRACT

This study assessed the Influence of income and savings on purchasing behaviour of working class Women in Niger State. The study had four (4) objectives among which are to assess the influence of income on purchasing behaviour of working class women in Niger State. related to these are four research questions and four null hypotheses. The research design adopted for this study was the descriptive survey design. Population of the study consisted of 3850 women working in 12 tertiary institutions located in Niger State. The researcher adopted a stratified random sampling technique to select 385 Sample; this number represents 10% of the entire population. The main Instrument for data collection was a structured Questionnaire titled Savings and Buying Behavior of Working Class Women Questionnaire (SBBWCWQ). Data collected was presented in tables and analysed using frequencies and percentages of the demographic variables and answering of research questions. Simple regression was used to test null hypotheses 1-3, and ANOVA was used to test null hypothesis 4. All the null hypotheses were tested at 0.05% level of significance. It was found that the level of income was statistically found to have significant influence on Purchasing Behavior of working class women in Niger State. This is because r-cal value of .775 > r-crit value of .088. This is also evident in the probability value of P+000 hence, the null hypothesis was rejected; the level of saving had significant influence on Purchasing Behavior of working class women in Niger State. This is because the r-cal value of .683 > r-crit value of 0.088, hence the null hypothesis was rejected; and Budgeting practices had significant influence on Purchasing Behavior of working class women in Niger State, r-cal value of .786> r-crit value of 0.088. Therefore the null hypothesis was rejected. The study concluded that income and savings had significant influence on purchasing behaviour of working class women in Niger State. It was recommended among others that Working class women in Niger State should base their purchases on their needs and not on their wants, because human wants are insatiable.

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