The article summarizes the results of a sociological survey of villagers in the southern region of Russia, conducted in February and March of 2023. The purpose of the survey was to determine the level of knowledge, skills of their practical use, attitude to the possibility of improving the financial situation with the help of lending tools. The sociological survey included questions about the knowledge of state support measures, the fundamentals of the state’s fiscal policy and the laws of the market economy. All the thematic questions were organized into a single questionnaire system with a priority focus on determining the parameters of credit behavior of rural residents. The system analysis formed the basis of the methodology. The financial management system is considered by the author in the aggregate of the tax and credit burden. The study was carried out on the basis of literature review, a dialectical method for revealing the attitude of the rural population to loans and a sociological questionnaire method resulted in conclusions. The significance of the obtained research results lies in the creation of a model of “Tax and credit management for the rural population”, which can be used to form the necessary economic competencies among rural residents on the basis of integration links of humanitarian, social, general professional and special disciplines and in the course of practical implementation of the monetary policy of the state.