واقع الادخار العائلي في المجتمع السعودي : دراسة مطبقة على الطبقة الوسطى بمدينة الرياض

الملخص EN

Objective : study aims to assess the reality of family savings in the Saudi society to find solutions for the obstacles that face family savings.

methodology : a descriptive study was applied on a sample of (377) of family providers both males and females in riyadh city, from whom their monthly salary falls between eleven thousand to twenty-one thousand, which represents the middle class.

a questionnaire was used as a tool to gauge the awareness of family provider.

the questionnaire comprised of two parts, 1st was the demographic data, and 2nd part was focused on the reality of family savings in the saudi society.

what are the factors that limit saving, and what drives the consumer attitude.

SPSS was used for statistical analysis.

results : 47% of the saudi families do not save, 35% of families save between 10%-20% of their monthly income.

the factors that limit savings were single income source among the family, living with a consumer attitude, loans, and debts.

lack of awareness, lack of priorities.

a relation was found between the level of saving and demographic variables.

conclusions : there are factors that intervenes between individuals and saving, it is related to willingness, ideology and there is a relation between consumption and saving.

whenever consumption increased, the level of saving decreases in return.

and the need to correct consumer attitude arises.

there is a huge need to raise the awareness level among the society, and diverse the income sources and establishing saving programs and guiding the youth to saving and investing.