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This paper examined the intervening variables affecting the mobilization of savings of Staff owned Cooperative Societies in Nasarawa State Public Institutions and their effects on the savings mobilization. It was a survey research that focused on the Naspoly Staff Cooperative Society, Nasarawa State Polytechnic Lafia, Nasarawa State Nigeria. Questionnaire was administered to a randomly sampled 250 members from the 380 registered members as at December 2018, with the view to confirming that the following variables (family size, income level, number of children in school and market situation) affects savings mobilization of staff owned cooperative societies in public institutions in Nasarawa State. Data collected were analyzed using descriptive statistics and The Pearson Product Moment Correlation. Findings from results of the study showed that, the identified variables intervenes in savings activities of staff members, it actually hampered the society’s efforts in mobilizing savings. It conclude that, although these intervening variables are individualistic, they by extension affect the savings mobilization of the cooperative societies. In line with the findings of the study, it was recommended therefore, that With due consideration of the income factor which is a prime determinant of savings, government as a whole should consider improving staff take home and adopt measures that will ensure price control in the market. Government should ensure that the timing for review of staff salaries be reviewed two to three years looking at the rate of inflation in Nigeria.

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Intervening Variables and Savings Mobilization of Staff Owned Cooperative Societies in Nasarawa State Public Institutions (A Case Study of Naspoly Staff Multipurpose Cooperative Society Nasarawa State Nigeria)