Diversification of Polish Households Based on Credit Portfolio and Margin
Diversification of Polish Households Based on Credit Portfolio and Margin
Author(s): Paulina Anioła-MikołajczykSubject(s): Micro-Economics, Behaviorism, Financial Markets
Published by: Instytut Badań Rynku, Konsumpcji i Koniunktur
Keywords: household over-indebtedness; Polish households; debt portfolio; cluster analysis; measures of over-indebtedness;
Summary/Abstract: The aim of this paper is to show the diversity of Polish households’ financial behaviour in terms of debt as well as to identify households that are characterised by negative margin which is one of the measures of households’ over-indebtedness. Moreover, in her paper, the author made an attempt to compare and evaluate two indicators of over-indebtedness: margin and debt-to-income indicator. To achieve the main objective, the cluster analysis method was used. Based on the households’ credits portfolio and the level of margin, 13 homogeneous groups of households were generated. Three of them were characterised by negative margin, which classify them as over-indebted.
Journal: Handel Wewnętrzny
- Issue Year: 364/2016
- Issue No: 5
- Page Range: 5-16
- Page Count: 12
- Language: English