Darya V. ??iseeva|?. ?. ??????
Financial Behavior of the Population of the Republic of Kalmykia: An Economic and Statistical Analysis
Volgograd State Technical University|Volgograd State University
introduction largescale work improve financial literacy population russia initiated leadership country 2011 enhanced developments aimed studying peculiarities financial behavior population individual regions purpose study resolve contradiction irrational financial behavior people living republic kalmykia described scientists journalists results nationwide sociological study according kalmykia among regions high level financial literacy materials methods results nationwide sociological study financial literacy ranking regions russia 2018 official statistics websites russian federal state statistics service rosstat bank russia formed information base conducted study terms methods tools time series analysis used results detailed analysis statistical data describing financial behavior population republic kalmykia performed namely per capita income population volume loans granted individuals share overdue loans volume deposits made individuals negative ratio revealed value loans provided individuals region volume deposits made conclusion drawn necessary study reasons irrational financial behavior population republic kalmykia develop effective measures improve financial literacy discussion conclusion irrationality financial behavior population republic kalmykia objectively confirmed dynamics statistical indicators characterizing levels loan debts savings time analysis financial literacy ranking results shown republic kalmykia received high ranking due higher level use internet banking services plastic cards however low level savings activity high level trust banks republic kalmykia also confirmed results obtained used development financial education programs residents various regions similar problems