MIKROEKONOMETRYCZNE MODELOWANIE ZAWIERANIA UMÓW KREDYTOWYCH NA CELE KONSUMPCYJNE
MICROECONOMETRIC MODELING OF CONCLUDING CONSUMER CREDITS BY HOUSEHOLDS
Author(s): Jan Malchar, Hanna DudekSubject(s): Micro-Economics, Financial Markets, Public Finances, Fiscal Politics / Budgeting
Published by: Szkoła Główna Gospodarstwa Wiejskiego w Warszawie
Keywords: consumer credit; loan; households; panel data; random effects probit model;
Summary/Abstract: The purpose of the article is to identify factors affecting the willingness to take loans and credits for consumption by households and to verify the validity of using the probit model with random effects. Based on the analysis of data from the "Social Diagnosis" survey, it is found which determinants influence the analyzed phenomenon. The conclusions from the analysis clearly indicate the appropriateness of using the panel data structure in modeling, which allows to specify the unobservable effects of individual analyzed households..
Journal: Metody Ilościowe w Badaniach Ekonomicznych
- Issue Year: XX/2019
- Issue No: 2
- Page Range: 93-104
- Page Count: 12
- Language: Polish