| Abstract [eng] |
Saving is one of the most important areas of personal financial management, which is of great importance for the Lithuanian state both in microeconomic and macroeconomic terms. In order to maintain economic stability, reduce the inflation rate and increase the Gross Domestic Product, the Lithuanian State needs to encourage people to save. The aim of this paper is to analyse the saving behaviour of the Lithuanian population and to identify the factors that determine the level of savings of the Lithuanian population. The first part of the thesis discusses the concept of saving behaviour, the main theories of financial behaviour and the factors and causes influencing saving behaviour. It also describes the concepts of income distribution and disposable income, investment instruments and analyses the impact of the Covid-19 pandemic on saving. The second part presents the research methodology. The third part of the paper deals with the statistical analysis of the results of the survey questionnaire using IBM SPSS Statistics 21.0 software. The following statistical analysis methods are used to process the results: descriptive statistics of variables, normality tests, correlation and regression analysis research methods. The study is carried out by questionnaire survey method. The questionnaire consisted of 15 closed-ended questions on savings goals, savings methods and factors that respondents consider to influence savings behaviour. The results of the survey confirmed the hypotheses that the increase in the level of saving is linked to the increase in financial literacy and income, and that a smaller proportion of the population is currently using financial instruments to save. The most common types of savings among Lithuanians are savings for recreation and leisure, for a "black day" and for consumer durables. |
