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  3. Optimum. Economic Studies
  4. Optimum. Studia Ekonomiczne, 2016, nr 5(83)

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    • Proszę używać tego identyfikatora do cytowań lub wstaw link do tej pozycji: http://hdl.handle.net/11320/5264
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    Pole DCWartośćJęzyk
    dc.contributor.authorAnioła-Mikołajczak, Paulina-
    dc.date.accessioned2017-03-10T12:33:05Z-
    dc.date.available2017-03-10T12:33:05Z-
    dc.date.issued2016-
    dc.identifier.citationOptimum. Studia Ekonomiczne, Nr 5(83) 2016, s. 138-148pl
    dc.identifier.issn1506-7637-
    dc.identifier.urihttp://hdl.handle.net/11320/5264-
    dc.description.abstractThe aim of this paper is to show the diversity of Polish households’ financial behavior in terms of debt as well as an identification of households that are characterized by a high debt to income ratio. The article also attempt to assess the debt to income ratio as a measure of households over-indebtedness. To achieve the main objective, the cluster analysis method was used. Based on the households credits portfolio and the level of debt to income ratio, 11 homogeneous groups of households were generated. Five of them were characterized by a high debt to income ratio (>30%), which classify them as overindebted.pl
    dc.description.sponsorshipThe project was financed from the resources of The National Science Centre based on the decision number DEC-2012/05/N/HS4/00227pl
    dc.language.isoenpl
    dc.publisherWydawnictwo Uniwersytetu w Białymstokupl
    dc.subjectover-indebtednesspl
    dc.subjectPolish householdspl
    dc.subjectdebt to income ratiopl
    dc.subjectcredit portfoliopl
    dc.subjectcluster analysispl
    dc.titleA Classification of Polish Households Based on a Credit Portfolio and Debt Service Ratiopl
    dc.typeArticlepl
    dc.identifier.doi10.15290/ose.2016.05.83.09-
    dc.description.Emailaniola@up.poznan.plpl
    dc.description.AffiliationFaculty of Economics and Social Sciences, Poznan University of Life Sciencespl
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    dc.description.pages138-148pl
    dc.description.number5(83)-
    dc.description.firstpage138-
    dc.description.lastpage148-
    dc.identifier.citation2Optimum. Studia Ekonomicznepl
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