Date of Award


Document Type


Degree Name

Master of Science

Degree Discipline

Business Administration


During the past few years, savings has been much more in the public mind. The public is constantly being told how to invest, earn and save and how to make the best use of money. There are many reasons for people saving, some save against the time of emergency, in their own life and those dependent upon them, for education, for vacations, for investment and for purchases of homes and other consumers.

The writer attempts to discuss the keen competition between savinqs institutions, revealinq their efforts to attract and retain depositors. It is not the purpose of this study to determine which saving institution is highest in excellence, but only to relate benefits offered as compared with other competitive savings institutions.

The keen competition between savings institutions in the United States reflects the American concept of "Free Enterprise." Through vigorous competition between these institutions, the public can best be benefited. If an institution is to attract and gain new depositors, its benefits should excel its competitors. There are no savings institutions that offer all the benefits. Where some benefits are lacking as compared with another institution, adjustments are made. A careful observation reveals that these savings institutions appeal to the needs of people of various economic classes and age levels.

Committee Chair/Advisor

T. M. Brookins

Committee Member

Melba Clarkson

Committee Member

J. W. Echols

Committee Member

John B. Murphy

Committee Member

W. C. Ferguson


Prairie View Agricultural and Mechanical College


© 2021 Prairie View A & M University

Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

Date of Digitization


Contributing Institution

John B Coleman Library

City of Publication

Prairie View





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