原住民族居住地型態分為兩群，一為在原鄉部落之原住民族；二為從原鄉部落遷至都會區之族人，都會區原住民族也是本研究之重點。從各文獻資料看來，整個社會歷史背景改變，原住民族因為基本生活需求，謀生型態也跟著改變。從研究中想瞭解都會區原住民族，那些因素會影響族人的儲蓄理財。
本研究是採質性訪談法，將深度訪談資料真實性分析結果，盼進而改善都會區原住民族經濟生活之窘境。使之在儲蓄、理財有基本的價值概念。生活穩定是否帶來穩定的儲蓄，爾後帶來良好的邊際效益就是正確的理財。
我們也發現從主體得金融機構儲蓄，以及深受社會責任之原住民儲蓄互助社的比較。在部落裡，儲蓄互助社也已經是家喻戶曉，部落的族人也善用儲蓄互助社，以至於在需要農具、農務相關材料，就可以在儲蓄互助社中行使自身權益。且還要對社會、環境的永續發展有所貢獻。這就是社會責任。
再者我們發現學習也是有儲蓄概念及行為最重要得一環，理財素養從學習開始。所以我們發現理財素養高，才有基本價值概念進而才有儲蓄之行為。所以都會區原住民族從三者面向來看生活穩定、社會責任、理財素養關係從正面看到原住民族儲蓄之行為。

The First Nations are divided into two groups, one is the first-nations of the original tribes, and the other is the current trend, and the first-nations of the metropolitan area are also the focus of this study. From the literature, it appears that the historical background of the whole society has changed, and the livelihood pattern of the First Nations has changed because of their basic living needs. From the study to understand the metropolitan indigenous people, those factors affect the people''s savings and financial management
This study is a qualitative interview method, the in-depth interview data authenticity analysis of the results, hoping to improve the economic life of the indigenous people in the metropolitan area. Make it in savings, financial management has a basic concept of value. Whether life stability brings stable savings, and then bring good marginal benefits is the right financial management.
We also found comparisons between the savings of financial institutions obtained from the subject and the Socially sponsible
First Nations Savings Mutual Society. In the tribe, the savings mutual aid society is already a household name, the tribe''s people also make good use of the savings mutual aid society, so that in the need for agricultural tools, agricultural related materials, you can exercise their rights and interests in the savings mutual aid society. And also to contribute to the sustainable development of society and the environment. This is social responsibility.
Moreover, we find that learning is also the most important part of saving concepts and behaviors, financial literacy from the beginning of learning. So we find that financial literacy is high, only the concept of basic value and then there is the act of saving. Therefore, the first-nations of the metropolitan area see the behavior of the first-nations saving from the perspective of life stability, social responsibility and financial literacy from the perspective of the three.