The purpose of the study is to assess the determinant of saving behavior of households in the three selected woredas’ of Bale zone, Robe, Ginir, and Delomena. Descriptive survey research design is used and 700 sampled respondents were selected purposively from three woredas. And multiple- regression model was used to know the relationship and significance level of variables. The finding of the study revealed that among the study variables five of them are found to be significant at 5% significance level, these are educational background, occupation are negative significant variable in determining the saving behavior of households while access to credit and saving institution and access to training in the previous trend has positive relationship with the saving behavior of households where as the remaining variable are remain insignificant in explaining the saving behavior.

KEY WORDS: Saving, descriptive survey, sampled households