Income Preferences and Household Savings

• Autorzy: Barbara Liberda
• Języki publikacji: EN

Abstrakty

EN

The above analysis shows that the subjectively preferred incomes of Polish households are much higher than their current disposable incomes, being the highest in young households. Income preferences depend on the gender and age of the household head. Women as household heads tend to have lower expectations with regard to preferred income than men. Household savings are positively related to the levels of current disposable income above the "hardly sufficient" level. The ability to save suggests that the financial condition of Polish households may be better than it is subjectively perceived and declared by household heads. The income preferences of households (subjectively preferred incomes) positively influence household saving profiles, with the exception of households with "insufficient" incomes.

Analiza przeprowadzona przez autorkę pokazuje, ze preferowane dochody polskich gospodarstw domowych są znacznie wyższe od tych, którymi faktycznie dysponują, szczególnie wśród młodych gospodarstw. Wysokość pożądanych dochodów zależy od płci i wieku głowy rodziny. Kobiety wykazywały niższe wymagania niż mężczyźni. Oszczędności gospodarstw są powiązane z poziomem dochodów ponad poziom „ledwie wystarczający”. Zdolność do oszczędzania wskazuje, że kondycja finansowa polskich gospodarstw może być lepsza niż deklarowana. Poziom preferowanych dochodów pozytywnie wpływa na sposób oszczędzania.

Słowa kluczowe

EN

Budgets of households; Household savings; Questionnaire survey; Consumption

PL

Budżet gospodarstwa domowego; Oszczędności gospodarstw domowych; Badania ankietowe; Konsumpcja

• Czasopismo: Gospodarka Narodowa
• Rocznik: 2007
• Numer: nr 9
• Strony: 19--30

Twórcy

autor

Barbara Liberda

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