Based on the data analysis of 2,400 households received within the framework of the study “Life in Kyrgyzstan“ for 2013, the author has come to conclusion that the level of income and accumulated wealth, availability of a credit, as well as the shocks faced by a household largely determine whether it will save or not. The marital status of the household head and the place where the family lives have also a significant influence on the probability of savings. Besides, the households with equal economic, social and geographic characteristics differ in the saving behavior depending on the gender identity of the household head.
