Nivorozhkina Lyudmila Ivanovna|?. ?. ?????????|Toropova Tatyana Viktorovna|Yevlakhova Yulia Segeyevna
Statistical Analysis of the Financial Activity of Households in the Context of Macroeconomic Fluctuations
Rostov State University of Economics|Rostov State University of Economics|Rostov State University of Economics|Rostov State University of Economics
backgroundobjectives article presents descriptive analysis household sector response external macroeconomic effects appear change nature interaction households financial institutions credit facilities savings investment insurance methodstatistical analysis identify groups population could potentially involved money laundering terrorist financing due insurmountable financial difficulties used methods comparative analysis methods time series analysis analysis performed according representative longitudinal survey population russian federation russian monitoring economic situation public health nruhse well basis official data central bank russian federation period since 2005 findings conducted analysis revealed changes structure welfare russian households amid rising rates loan growth low financial literacy leads formation population groups whose trajectory consumer behavior completely determined credit borrowing take account real material possibilities family group quite plentiful constant lack money often multiplied unreasonable demands generates people potential risk involved money laundering terrorist financing frequent consumers loan products families children however increase households applied loans occurred among single people well among single respondents study period ratio loans outstanding subsistence minimum doubled addition burden payments single people also difficult ratio loan repayments subsistence level single person three times higher families children twice higher families without children results complement existing research linking financial behavior households vulnerability risk money laundering applicationsimprovements obtained results may useful arranging monitoring financial safety micro level keywords expenses incomes risks money laundering terrorist financing