Determinant Microeconomic Factors on Household Savings. Empirical analysis on the impact of microeconomic factors in household savings

      Аннотация: The savings are a very important tool for the future of security, because there are moments in everyone's life when money is urgently needed, when it becomes the present future than ever. The savings include any effort that each of us do to secure our future and the future of the people most dear to us. It is not necessary to have lots of money to spare, is enough to set aside regularly small amounts of money. Saving does not mean being stingy, it means being careful on daily expenses. Everyone can save, regardless of income benefits. Savings also help us to develop a habit of handling money in a more rational way and make you aware of their real value. They allow us to fulfill our financial needs without constantly loans and help us to avoid the risk of being in debt. With the savings, we mean not only saving money, but also their investment, in a necessary period.

Ключевые слова: empirical analysis, Household Savings, impact, regression, Determinant Microeconomic Factors, Monthly Family Income, Savings Plan, Albanian Family.