Финансово-экономические стратегии тувинских семей (по материалам социологических исследований)

Abstract

The article analyzes the financial and economic strategies of modern Tuvan families based on the materials of sociological studies conducted in the Republic of Tuva in 2019 and 2021. The features of the credit and savings behavior of the surveyed population in the context of different socio-demographic groups were studied using, among other things, statistical data on income, debt burden of the population. The reason for the high level of credit penetration into the practice of modern Tuvan families is not only an insufficient level of financial literacy and a culture of savings, but also objective monetary poverty. The article shows that the high level of demographic burden in the republic does not contribute to the development of savings and savings strategies. Based on the results of the analysis, the author concludes that the actual poverty of the population will grow unless a special policy is realized to develop the regional economy, as well as to increase financial literacy and a culture of savings among the population of the republic.