Issue: № 9, 2020
Doi: https://doi.org/10.37634/efp.2020.9.5
The article considers the features of research and collection of statistical and analytical information on the total expenditures of households, in particular the level of their consumption and savings. It has been stated that households have not been given due attention in the economic sphere for a long time, although they are integral subjects of the economic system. This still affects the quality of the information received and, accordingly, the conclusions and recommendations. Emphasis is placed on sufficient periodicity, the existence of alternative surveys, in addition to the State Statistics Committee of Ukraine. At that time, attention was paid to a significant proportion of inaccuracies, as households are not responsible for the inaccurate data provided. One of the psychological reasons is the unwillingness to show the true amount of income, because you have to pay taxes. And the culture of a bona fide taxpayer in the majority of the population is not yet fully formed. The Strategy for the Development of the Financial Sector of Ukraine until 2025 is considered. Improving the financial literacy of the population is one of the priority tasks of business and education. In order to rationalize their expenses, household members must have information about their structure. An approximate scheme for improving the financing of rural areas is given. It is emphasized that rural households have a high level of savings and these resources can become a powerful investment resource for regional development. The share in financing the cooperative (basic economy) can also be borne by the local population. This is an opportunity to receive income from their savings and improve the economic and social condition of their own locality. Ways of activating investment activity of the rural population are given. Only by learning to build their consumer spending wisely will households be able to increase some of their savings, thus ensuring their well-being, which is part of the stability of Ukraine's financial and economic system as a whole.
Keywords : households, consumption, savings, financial literacy, investment activity, cooperation
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