Zachowania finansowe a podatność na ubóstwo gospodarstw domowych o niskich dochodach w warunkach transformacji

• Autorzy: Michał Matul

Warianty tytułu

Poor Households Money Management in Transitory Poland

• Języki publikacji: PL

Abstrakty

Tekst poświęcony finansowym zachowaniom biednych gospodarstw domowych. Szczególnie interesujący jest w kontekście przyczyn i skutków globalnego kryzysu finansowego, a szczególnie polityki prowadzonej przez instytucje kredytowe. Artykuł zawiera ramę koncepcyjną wykorzystaną w badaniu, metodologię badawczą i opis danych oraz krótkie omówienie procesu transformacji, ubóstwa i podatności na ubóstwo. Prezentuje analizę zależności między zachowaniami finansowymi a akumulacją zasobów oraz podatnością na ubóstwo, a na zakończenie podaje główne wnioski.

EN

This paper examines links between financial behaviours of low-income individuals and their vulnerability to poverty in transition context of Poland. Based on a multidisciplinary approach and an analysis conducted on two qualitative and two quantitative datasets, this study shows that reactive financial behaviours in low-income households hamper asset accumulation and significantly increase vulnerability to poverty. Driven by levels of financial capability, the financial behaviours are instrumental in explaining vulnerability to poverty as they are the strongest predictor from a wide menu of other livelihood and asset variables. Limited long-term financial planning, saving and preparing for risks increase vulnerability, whereas borrowing and using financial services do not influence it much, though help to accumulate assets. The relationship between financial behaviours and vulnerability is weaker but also true for the poorest groups, which shows that the poorest can benefit from greater financial capability, especially if it is coupled with better access to safety nets. Given that vulnerability to poverty increased significantly over the last 20 years in the transition countries, I argue that determinants of reactive financial behaviours are key to develop sound vulnerability reduction policies. While different actors have been trying to eliminate structural vulnerability drivers during the transition period, there have been few actions to promote proactive financial behaviours. This study draws also important conclusions for microfinance. Achieving vulnerability reduction through 'access to finance' agenda uniquely is not evident in the context where individuals have low financial capabilities. It seems like microfinance will not be fully successful in meeting its development objectives in the transition context if it does not consider promoting proactive financial behaviours. (original abstract)

Słowa kluczowe

PL

Ubóstwo; Gospodarstwa domowe; Oszczędności; Zachowania konsumenta; Rynek usług finansowych; Społeczne koszty transformacji gospodarczej; Zachowania finansowe

EN

Poverty; Households; Savings; Consumer behaviour; Financial services market; Social costs of economic transition; Financial behaviour

• Czasopismo: Polityka Społeczna
• Rocznik: 2010
• Numer: nr 9
• Strony: 45--53

Twórcy

autor

Michał Matul

• Microinsurnce Innovation Facility; Międzynarodowa Organizacja Pracy w Genewie

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