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Anioła-Mikołajczak Paulina (Poznan University of Life Sciences, Poland)
A Classification of Polish Households Based on a Credit Portfolio and Debt Service Ratio
Optimum : studia ekonomiczne, 2016, nr 5(83), s. 138-148, tab., bibliogr. s. 146-148
Zadłużenie gospodarstw domowych, Portfel kredytowy, Analiza skupień, Gospodarstwa domowe
Household debt, Credit portfolio, Cluster analysis, Households
The project was financed from the resources of The National Science Centre based on the decision number DEC-2012/05/N/HS4/00227
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)
The Library of Warsaw School of Economics
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