ان خصوصية البرامج الاقتصادية التنموية التي تبنتها الحكومة الجزائرية تطلبت اعتمادات مالية ضخمة، تم تغطيت جزء معتبر منها عن طريق المداخيل النفطية بطريقة مباشرة أو غير مباشرة، في الوقت الذي تتجه فيه العديد من الاقتصاديات النفطية على استغلالوتنشيط مصادر التمويل الذاتي وعلى رأس هذه المصادر نجد ضرورة تنمية الادخار العائلي الذي أصبح يمثل نسبة معتبرة من الناتج المحلي الاجمالي في هذه الدول على خلاف وضعيته المتدنية في الاقتصاد الجزائري، وللرفع من مستوى الادخار العائلي في الجزائر يجب البحث عن العوامل ( سواء كانت اقتصادية أو غير اقتصادية ) التي تتحكم في مستوى الادخار العائلي في الجزائر نظراً لأهميته وتأثيره الفعال على مؤشرات اقتصادية كلية أخرى كالاستثمار والاستهلاك والمستوى العام للأسعار...الخ .

The subject of saving has attracted the attention of many economic researchers in the last recent decades due the importance of this economic variable at the domestic level and in terms of its relationship to consumption as well as private and governmental investment. Furthermore, the studies in economic show that economies that characterized by a growth rate savings to Gross Domestic Product realized high economic growth rates. There is a recent trend by strategic plan makers in developing countries to rely mainly on their own resources in developing process to provide and enhance channels and mechanisms to absorb domestic savings, especially family savings. The aim of this paper is to explore the powers that causes variation in savings growth rates in many countries and across times and periods, factors affecting the rates and the roles of economic policies in developing savings. This is one of the topics that brought much attention in these three last decades. The development of family saving in Algeria is very necessary. That’s because this type of savings represents the most important element of the total domestic savings in this country. Therefore, the application of effective economic policies to affect the family saving behavior in Algeria will unavoidably affect other economic variables such as consumption, investment and inflation. In time that Algerian government adopts ambitious economic programs that require huge resources, while the family saving could be one of the most important components of these resources.