The article is devoted to the results of a study of the patterns and characteristics of the financial behavior of households in the Republic of Bashkortostan under epidemiological and sanction restrictions. The prerequisite for conducting the study was the need to find out what changes in the financial behavior of households occurred under the influence of COVID and sanctions restrictions. The experience of other countries subject to sanctions (Iran, Venezuela) was analyzed, which made it possible to identify similarities and differences in changes in the financial behavior of households in these countries and Russia that occurred as a result of the introduction of restrictions. The research presented in the article is based on the results of a sociological surveys conducted by the Institute of Social and Economic Researches UFRC RAS on the territory of one of the largest regions of Russia in terms of population – the Republic of Bashkortostan in 2021, 2024 and 2025. Through surveys and subsequent analysis of their results, factors influencing the dynamics of the population's financial behavior were identified and tools for attracting household finance as an investment resource for supporting regional socioeconomic development were analyzed. It was found that the main factors negatively impacting the population's willingness to invest domestically include low income, a relatively high debt burden, and the lack of savings in bank deposits among the majority of respondents. The presence of a fairly significant investment potential among a portion of the population in the form of savings in credit institutions, which could potentially be directed to the investment, the development of stock instruments for attracting funds from individuals (individual investment accounts, bonds for the population, digital financial assets), crowdfunding, as well as the potential in the area of investment readiness to invest in programs of local initiatives, were identified as positive factors. Instability in household financial behavior dynamics was identified, manifested by a shift, influenced by external factors, from a savings strategy to a higher-risk investment strategy, followed by a return to the original strategy. Urban residents exhibit the highest elasticity in financial behavior. A set of proposals has been developed in the field of improving financial literacy in the Republic of Bashkortostan as a significant factor influencing the financial behavior of households
Keywords
financial resources of households, credit load, financial behavior, financial literacy, savings, investments, sanctions