Deposit mobilization is the most important service and an integral part of banking operations. In Ethiopia, mobilizing savings through intense deposit collection has been regarded as the major task of banking. However, managing deposits is impossible without understanding and controlling the factors that influence them. Thus, this study examined the bank-specific and macroeconomic determinants of deposit mobilization in Ethiopian banking sectors using balanced panel data of 14 commercial banks from 2011 to 2020. Secondary data sources from sampled commercial bank audited financial statements were used to achieve the stated objective. A quantitative approach and explanatory design were employed. The model result demonstrated that loan to deposit ratio, capital adequacy, economic growth, inflation, population growth, and political stability have a negative and statistically significant effect on commercial bank deposit mobilization. On the other hand, the bank's profitability has a positive and statistically significant impact on commercial bank deposit growth. The study suggests that Ethiopian commercial banks need to improve deposit mobilization by paying more attention to internal factors controlled by management, while keeping in mind the influence of the overall economic and political dynamic. This study provides useful insights for bank managers, owners, analysts, policymakers, depositors, and other stakeholders on the deposit growth of commercial banks and its determinants. Meanwhile, academic researchers and students may use the findings and suggestions to conduct a study in the banking area. Unlike the previous studies, the present study examined the effect of population growth and political stability on deposit mobilization and contributes to the limited stock of existing knowledge in the area.

Saving is essential for street vendors as it helps stabilize consumption and finance productive investments. The importance of researching the factors that influence saving behavior cannot be overstated. This study investigates the determinants of saving behavior among street vendors using cross-sectional survey data from 302 randomly selected vendors in Harar, Dire Dawa, and the towns of Hirna, Qobo, and Jarso. For data analysis, descriptive statistics and the binary logit model were used. The study’s findings revealed that level of education, age of street vendors, number of dependents, and vending experience had a positive and significant impact on their saving behavior. However, revenue per day and health conditions are found to have a negative but insignificant influence on saving behavior in the study area. The study recommended that the relevant body give full consideration to street vendors to increase their level of savings by offering short-term training and raising awareness to improve their living standards and bridge the investment-savings gap. This research provides policymakers, the government, and stakeholders with valuable insights into the determinants of saving behavior. Despite existing studies, this study adds to the limited knowledge by examining the effects of vending experience and health conditions on street vendors’ saving behavior.