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Financial capability among low-income households in rural parts of Poland
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Title: Financial capability among low-income households in rural parts of Poland

Creator:

Potocki, Tomasz

Description:

Argumenta Oeconomica, 2019, Nr 2 (43), s. 85-114

Abstrakt:

This paper examines low-income households’ financial capability by looking at their financial literacy, financial behaviour as well as financial inclusion. Using the data from micro-study, the author proves that even though financial literacy among low-income households is very low, most financial behaviour (especially the basic ones like managing a financial budget) are rather high. It seems that being financially illiterate does not stop low-income households from being financially capable, which might be mainly connected with some social and environmental factors that shape their capability and help low-income members of households to find some other ways of achieving satisfactory level of financial behaviour than just through increasing financial literacy. Moreover, having little money forces low-income households to become very careful financial decision-makers. Additionally, the multivariate analysis has shown that being financially literate (especially risk and debt literate) and being financially included are key latent factors in understanding financial capability among low-income households from rural regions of Poland. These two factors also play a significant role in understanding the adaptation to low-income among the polled households (measured by the marginal effects of pseudo-R2 ratio in logit model)

Publisher:

Wydawnictwo Uniwersytetu Ekonomicznego we Wrocławiu

Place of publication:

Wrocław

Date:

2019

Resource Type:

artykuł

Resource Identifier:

doi:10.15611/aoe.2019.2.04 ; oai:dbc.wroc.pl:73313

Language:

eng

Relation:

Argumenta Oeconomica, 2019, Nr 2 (43)

Rights:

Wszystkie prawa zastrzeżone (Copyright)

Access Rights:

Dla wszystkich w zakresie dozwolonego użytku

Location:

Uniwersytet Ekonomiczny we Wrocławiu

Group publication title:

Argumenta Oeconomica

Subject and keywords:

financial capability financial literacy personal finance low-income financial inclusion capability approach poverty rural regions

Object collections:

Last modified:

May 26, 2022

In our library since:

Nov 15, 2019

Number of object content hits:

761

All available object's versions:

https://dlibra.kdm.wcss.pl/publication/141938

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Edition name Date
Financial capability among low-income households in rural parts of Poland May 26, 2022

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