This research intends to shed light on the relation between individuals' saving motives and their intention towards saving, by examining the effect of background characteristics on a sample of 400 Bulgarian Pomaks. Findings revealed that future uncertainties consist the saving motive, which positively relates to the intention towards saving, with university graduates scoring higher on the saving intention scale than other educational groups. The implications of the findings are particularly important for the financial planners and educators since they are the ones who support Bulgarian Pomaks to maintain their standard of living and be prepared for financial uncertainty through saving.

The aim of the research is to evaluate the Religious Commitment Inventory (RCI-10) on a sample of 400 Bulgarian Pomak households across 5 cities. For this purpose, factor analysis was used in order to confirm the factor structure of the religiosity scale. An interesting aspect assumes that the impact of religiosity on the consumer marketing as well as on the social sciences is especially important. Most significantly, this research demonstrates the universality of the religiosity correlation with socio-demographic factors, such as the place of residence, demonstrating the importance of the religiosity level. The results revealed higher levels of religiosity score in cities populated mainly by Muslims, while lower levels score were observed in cities where a Christian community was also present.