Psychologiczne determinanty skłonności Polaków do oszczędzania
Iwona Marta Brzozowska, Maryla Goszczyńska
Rocznik: 2002 Tom: 8 Numer: 2
Saving behaviours are of great interest for psychologists as well as to economists. Using not only economic and sociodemographic variables but also psychological ones we are able to analyze the influences on saving behaviours of the Poles. The present study aimed to explore the impact of two kinds of time perception: future orientation and goal orientation, economic optimism, risk perception of financial investments and utility of money on saving behaviors. Moreover, the research aimed to test the impact of age, the level of education and the amount of income. The subjects were 60 men and 60 females, residents of Warsaw. The results of the analysis revealed that the inclination to save is significantly related with economic optimism, future and goal orientation and the level of education.