THE ROLE OF SOCIAL CONTRACT IN FORMING FINANCIAL INDEPENDENCE OF LOW-INCOME FAMILIES

The article is devoted to the study of the role of the social contract mechanism in the formation of financial independence of low-income families in modern Russia. Based on the analysis of the regulatory framework, theoretical approaches and practice of program implementation in various regions, the key functions of the social contract as a tool for social adaptation and economic mobilization of vulnerable categories of the population are identified. The institutional and economic effects of the mechanism are considered, as well as the main problems that hinder its effective functioning: bureaucratic barriers, limited resources, regional regulatory fragmentation and weakness of the support system. The paper offers recommendations for optimizing social support mechanisms and increasing the effectiveness of programs aimed at reducing poverty and developing human capital. The results can be used in the formation of state social policy and improving targeted assistance tools.