?????????-????????????? ????????? ????????? ????? (?? ?????????? ??????????????? ????????????)
article analyzes financial economic strategies modern tuvan families based materials sociological studies conducted republic tuva 2019 2021 features credit savings behavior surveyed population context different sociodemographic groups studied using among things statistical data income debt burden population reason high level credit penetration practice modern tuvan families insufficient level financial literacy culture savings also objective monetary poverty article shows high level demographic burden republic contribute development savings savings strategies based results analysis author concludes actual poverty population grow unless special policy realized develop regional economy well increase financial literacy culture savings among population republic