Scientific and practical journal
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Regional Economy
   



Journal Regional Economy -- re2020.02.085

Repository of Institute of Regional Research UDC 330.567.25:330.322(477); JEL D10
Davymuka, S. A., & Klyuchnyk, L. V. (2020). Aktyvy domashnikh hospodarstv u formuvanni investytsiynoho potentsialu Ukrayiny v umovakh sotsial'no-ekonomichnoyi nestabil'nosti [Assets of households in the formation of investment potential of Ukraine in conditions of socio-economic instability]. Rehional'na ekonomika - Regional Economy, 96 (2), 85-93. DOI: https://doi.org/10.36818/1562-0905-2020-2-7. [in Ukrainian].
Sources: 12

Authors



Davymuka Stepan Antonovych

Doctor of Economics, Professor, Honored Economist of Ukraine

Leading Researcher of the Department of regional financial policy of the Dolishniy Institute of Regional Research of NAS of Ukraine

Contacts: davymuka.s@gmail.com, ird_kozoriz@i.ua

Webpages:



Klyuchnyk Liliya Vasylivna

Doctor of Philosophy

Junior Researcher of the Department of regional financial policy of the Dolishniy Institute of Regional Research of NAS of Ukraine

Contacts: liliya_ird@i.ua

Webpages:

Resume

The investment capacity of the households of any country is the decisive factor of increasing the wellbeing of each person, population, and socio-economic system of a state in general. Growing nominal and real income of population and creation of respective financial resources that secure their transformation into the investment resource are the major preconditions of improvement of the households’ investment opportunities. Households become increasingly active savers and perspective investors for the domestic economy as they invest temporary free funds in various financial tools. The article examines the study of households, their financial behavior and interests, as increasing the welfare of each individual strengthens the entire socio-economic system of the state. The question of the peculiarities of the formation of financial resources in the conditions of market relations in Ukraine is outlined. Factors influencing their state of formation are determined. The role of household savings in the development of the economy is substantiated, the classification of savings depending on the nature of mobilization is considered. The dynamics of savings attracted by the banking system of Ukraine is analyzed. The situation with deposits of domestic households is outlined, and the dependence of investment decisions of households on the general political and economic situation in the country is demonstrated. Emphasis is placed on non-bank credit institutions, in particular on credit unions and private pension funds, life insurance contracts. The popularity of unorganized savings of households in Ukraine is proved, which is due to the lack of public confidence in financial institutions. The author proposes directions to motivate the savings of households in Ukraine in order to increase the productivity of their operation.

Keywords:

households, household savings, investment potential, banks, non-bank credit institutions, financial institutions, population

References

    
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