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Author
Anioła-Mikołajczak Paulina (Poznan University of Life Sciences, Poland)
Title
A Classification of Polish Households Based on a Credit Portfolio and Debt Service Ratio
Source
Optimum : studia ekonomiczne, 2016, nr 5(83), s. 138-148, tab., bibliogr. s. 146-148
Keyword
Zadłużenie gospodarstw domowych, Portfel kredytowy, Analiza skupień, Gospodarstwa domowe
Household debt, Credit portfolio, Cluster analysis, Households
Note
summ.
The project was financed from the resources of The National Science Centre based on the decision number DEC-2012/05/N/HS4/00227
Abstract
The 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 over-indebted. (original abstract)
Accessibility
The Library of Warsaw School of Economics
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Bibliography
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ISSN
1506-7637
Language
eng
URI / DOI
http://dx.doi.org/10.15290/ose.2016.05.83.09
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