Alade, Sarah O.2013-11-252013-11-252006-010331-7919http://repo.cbn.gov.ng/jspui/handle/123456789/35This paper will consider the operations of a national savings certificate as a panacea to the dreath of long term savings for long term investments, to justify the reforms and achieve accelerated economic growth.enSavingsNational SavingsSavings CultureArticle