ABSTRACT
The present study has been conducted in the year 2010 in district Karak rural areas to assess the difference in household savings in various rural regions namely Tehsil Banda Daud Shah, Tehsil Karak and Tehsil Takhti-e-Nasrati. A sample of 300 respondents (100 from each area) was selected randomly and then household savings were analyzed through ANCOVA econometric technique combined with Gini coefficient and descriptive statistics. The results seem to be very interesting and useful. Apart from vital importance of Disposable income and support ratio as major determinants of household savings, gender of household head, ownerships of livestock and land showed surprising results. The negative coefficient of livestock ownership and land for Tehsil Takhti-e-Nasrati and Karak respectively seems to be irrelevant on priory ground but actually former shows the cost of having animals for non-productive land’s owner households area and the later associated with dry hilly areas which have maintenance expenses for future value. The paper confirmed disposable income of household head and support ratio very crucial in boosting household savings. Quite interesting finding is that female household head save more than male household head expect Takhti-e-Nasrati area. The Gini coefficients suggest more equitable distribution of income in Tehsil Banda Davood Shah compared to other Tehsils.