Abstract
The aim of this paper is to identify variables that affect the capability of an individual to earn and save income. Our hypothesis is that besides demographic and human capital determinants, social, cultural and psychological variables affect strongly the individual’s earning and saving competences. We test our hypothesis using a method of decision tree (Exhaustive search Chi-squared Automatic Interaction Detection) to identify the earning and saving competences of individuals in Poland. In the decision tree analysis we found factors that are conducive for earning and saving. These factors includes: fairness, attitude towards cheating at exams, tolerance towards persons of different religion and different skin color, trust in judges and scientists, social risk aversion, evaluating own health status, asking for advice. This theoretical approach is applied to micro data from a Survey on Civilization Competences of individuals in local communities conducted in July-September 2009 in five regions of Poland.
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