Аннотация
The purpose of this study is to determine the factors influencing the savings behavior of the self-employed in order to attract them to the country's pension system. Also, to contribute to the literature on saving behavior in emerging economies, namely in the study of the impact of subjective and objective factors on the selfemployed in the context of cities and villages. Methodology . The work uses a systematic approach to the selection of data, as well as a qualitative research method, the instrument of which was a questionnaire. The data obtained were processed using the SPSS program. Originality / value of the research . The value of the study lies in the fact that data are primary and can be a valuable source for the further development of the pension system of the Republic of Kazakhstan, as well as for attracting the self-employed in the context of cities and villages to savings for old age. Findings . According to the study, the urban self-employed (US) is more influenced by subjective factors, and the rural self-employed (RS) by objective factors.