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Lulaj Enkeleda (University of Peja "Haxhi Zeka", Kosovo), Dragusha Blerta (University of Shkodra "Luigj Gurakuqi", Albania), Lulaj Donjeta (University of Peja "Haxhi Zeka", Kosovo), Rustaj Vjollca (University of Shkodra "Luigj Gurakuqi", Albania), Gashi Albiona
Households Savings and Financial Behavior in Relation to the Ability to Handle Financial Emergencies : Case Study of Kosovo
Oszczędności gospodarstw domowych i zachowania finansowe w związku z umiejętnością poradzenia sobie z trudnymi sytuacjami finansowymi : studium przypadku Kosowa
Acta Scientiarum Polonorum. Oeconomia, 2021, R. 20, nr 1, s. 35-48, tab., bibliogr. 60 poz.
Słowa kluczowe
Zachowania finansowe, Gospodarstwa domowe, Oszczędności, Analiza regresji
Financial behaviour, Households, Savings, Regression analysis
Klasyfikacja JEL: C1, R12, M4
streszcz., summ.
Chcąc odzwierciedli sytuację finansową gospodarstw domowych, zwłaszcza w sytuacjach kryzysowych, przyjęto główny cel niniejszego badania - analizę zachowań finansowych w odniesieniu do oszczędności. Niniejsze badanie wyjaśnia interakcję zasad minimalnych oszczędności i zaangażowanych form oszczędzania, co oznacza, że wykorzystanie budżetów osobistych zależy od zachowa finansowych wynikających z niepewności i sytuacji finansowej rodzin. Badanie jest zgodne z niektórymi empirycznymi ustaleniami dotyczącymi zachowa finansowych w odniesieniu do oszczędności, które wpływają na wzrost lub upadek gospodarki, ponieważ im niższy dobrobyt rodzin, tym niższy wzrost gospodarczy lub odwrotnie. Weryfikacja hipotez została zrealizowana poprzez analiz ustaleń terenowych z wykorzystaniem ekonometrycznego modelu oszczędności w odniesieniu do zachowań finansowych poprzez analizę czynników , analizę rzetelności oraz analiz regresji wielorakiej. Głównym wnioskiem z tego badania jest brak zachowań finansowych w celu oszczędzania na sytuacje awaryjne. Ustalenia te są ważne, by uświadomić gospodarstwom domowym roli oszczędzania na pokrycie awaryjnych potrzeb. (abstrakt oryginalny)

To reflect the financial situation of households, especially for emergencies, the main purpose of this research is to analyze financial behavior in relation to savings. This research explains the interaction of minimum savings rules and committed forms of saving, which means that the use of personal budgets depends on financial behavior due to insecurity and the financial situation of families. The research is consistent with some empirical findings on financial behavior in relation to savings, which affect the growth or decline of the economy, because the lower the well-being of families the lower the economic growth or vice versa. The validation of the hypotheses was realized through the analysis of field findings, using the econometric model of savings in relation to financial behavior through factor analysis, reliability analysis and multiple regression analysis. The main finding of this research is the lack of financial behavior to save for emergencies. These findings are important in order for households to be aware of financial behavior in relation to savings, because there is no emergency fund to cover their needs. (original abstract)
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