Economic resourcefulness as a determinant of saving and borrowing in Poland

Marek Kośny


Economic resourcefulness indirectly affects many aspects related to the functioning of individuals on the market. One of the crucial areas is making financial decisions related to the allocation of financial surpluses and taking loans. The analysis carried out based on a dedicated study aims 1) to identify various aspects of the processes of collecting savings and borrowing in Poland and 2) to assess whether these processes are related to economic resourcefulness. The obtained results indicate the significance of economic resourcefulness for the majority of identified aspects of saving and borrowing, but at the same time, they show the specificity of these aspects. Resourcefulness, oriented at gaining a satisfactory financial situation and economic stability does not necessarily lead to strengthening individual retirement saving. It could be interpreted as a kind of trade-off between strategies build upon focusing on achieving well-being in the short (medium) and a long time horizon.
Author Marek Kośny (E&F / DoEaOR)
Marek Kośny,,
- Department of Econometrics and Operational Research
Journal seriesPost-Communist Economies, ISSN 1463-1377, (N/A 40 pkt)
Issue year2020
Pages 793-812
Publication size in sheets0.95
Keywords in EnglishSaving behaviour, saving motives, borrowing behaviour, economic resourcefulness
ASJC Classification2002 Economics and Econometrics
Languageen angielski
Kosny_M_Economic_resourcefulness_as_a_determinant.pdf 1,58 MB
Score (nominal)40
Score sourcejournalList
Publication indicators WoS Citations = 0; Scopus SNIP (Source Normalised Impact per Paper): 2018 = 0.661; WoS Impact Factor: 2017 = 0.541 (2) - 2017=0.773 (5)
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UwagaThis work was supported by the Polish National Science Centre [2015/17/B/HS4/02713].
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* presented citation count is obtained through Internet information analysis and it is close to the number calculated by the Publish or Perish system.