Özet:

The article analyses the influence of institutional factors on saving in one of the poorest regions in Poland, which is Lubelskie voivodeship. The research was conducted on the basis of institutional saving theory by M. Sherraden. The data were collected at the beginning of 2018 via a survey of household representatives and investigated using statistical methods such as factor analysis, parallel of averages and correlation coefficients. The conclusion drawn is that the institutional saving theory is not applicable exclusively in rich countries due to prevalence of other than institutional factors influencing household savings. Although the respondents view institutional factors as important, they do not use them as sole determinants of their behaviour and decisions in the saving process

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