Psichologinių ir ekonominių veiksnių įtaka užimtų Lietuvos gyventojų taupymui
Influence of Psychological and Economic Factors on the Savings of the Employed Lithuanian Population

Summary/Abstract: Article focuses on the effects of psychological and economic factors on the rate of savings of individuals. To as-sess the effects of psychological and economic factors on savings in Lithuania, it was chosen to use the method of empirical analysis by interviewing the Lithuanian population and evaluating the obtained data using quan-titative data analysis. The collected data were processed using the least squares method to construct a multiple regression model. Analysis was prepared using cross-sectional data, the analysis period – year of 2019, and the indicators used in the analysis were the average general characteristics of the respondents in analyzed years. Factors that were chosen to calculate the effects of the rate of savings: financial literacy, number of motives for saving, environmental influence, probability of behaving irrationally, personality type. Data were processed using Gretl program.

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