Abstract
This interdisciplinary study aims to understand the saving behavior of farmer households in the form of commodities done in a qualitative manner. The results of exploration, identification and analysis found that (i) economic, psychological and socio-cultural factors influenced the household behavior, and they were interconnected with one another; (ii) there was a maximum utility of households when they were being tolerant of risks supported by self-efficacy; (iii) the clove-saving behavior was related to prestige and social status; and (iv) saving decisions were dominated by psychological factors
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