personal savings are generally low in West Africa because of

Personal savings are generally low in West Africa because of the level of income of people. Many people in West Africa have low incomes, which makes it difficult for them to save money. In many cases, people's income is barely enough to cover their basic needs, such as food, housing, and healthcare. As a result, they have little or no money left over to save. In addition, many people in West Africa work in the informal sector, where they may not have access to formal banking services or other financial products that could help them save money. This can also make it difficult for people to save, even if they have some money left over after paying for basic expenses.