DETERMINANTY GROMADZENIA OSZCZĘDNOŚCI PIENIĘŻNYCH PRZEZ WIEJSKIE GOSPODARSTWA DOMOWE

The goal of the paper is an identification and characteristics of selected factors determining rural households’ willingness for saving. The source of data used for the analysis and conclusions was information provided by the studies conducted in the Malopolska Region on a group of 554 households situated in rural areas. As results from the investigations, the factors determining the willingness for saving are age, education, the amount and the source of income but also the number of persons per rural household. The most willingly saving group consisted of better educated persons at the age of between 45 and 54, possessing better financial knowledge, drawing income from hired labour and the households where a net income per family member was between 1501 and 3000 PLN. The studies revealed also that rural households accumulate a considerable part of savings (40%) in cash, every third household kept saved means as bank deposits or in saving accounts. Also settlement savings accounts proved a popular form of accumulating savings, whereas, investment funds units, insurance product purchases or stock purchases were of lesser importance.