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EN
The symbol of the city is a primary element shaping the image planned in the marketing strategy, and it is also a natural basis for building the city's brand. The article aims to identify the symbols of the city of Lublin in the perception of its inhabitants. Symbols of Lublin were studied using quantitative research - in the form of a PAPI survey - and qualitative research - with the use of Focus Group Interviews. Particular attention was paid to two age groups: the youngest adult residents of the city and the seniors. Moreover, a comparison was made of free associations connected with the city between groups. As a result of the research, symbols of Lublin were identified: the goat from the Lublin coat of arms, the Lublin Castle and the Old Town. Significant differences between the analysed age groups were also observed. Associations of older people oscillated around the history, tradition, and architecture of Lublin, while younger people focused on elements related to their everyday life.
EN
The objective of the article is the assessment of the structure of expenditures and use of 500+ fund in family households of second grade students from selected general education and vocational secondary schools in the Lublin Voivodeship. The survey was conducted by means of the CAWI method, based on a random research sample of223 students aged 17–18. The survey showed that households of the students are dominatedby the parental model of economic decision making, but the students declared a very strong and strong own influence on particular expenditures incurred in their families, especially in the case of basic personal needs. The introduction of benefits in the scope of Rodzina 500+ programme somewhat changed the decision-making pattern in the families towards greater activation of the students. The study designated three primary categories of expenditures of households from the programme: financing children’s education, purchase of clothing and footwear, and purchase of food. In the opinion ofthe surveyed youth, part of the resources from programme 500+ is allocated for savings (33.2%), more seldom for financing investments (7.9%).
PL
Celem artykułu jest ocena struktury wydatków oraz wykorzystania funduszu 500+ w rodzinnych gospodarstwach domowych uczniów II klas wybranych szkół średnich, ogólnokształcących i techników w województwie lubelskim. Badanie przeprowadzono za pomocą metody CAWI, na podstawie losowej próby badawczej 223 uczniów w wieku 17–18 lat. Stwierdzono, iż w gospodarstwach domowych uczniów dominuje rodzicielski model podejmowania decyzji ekonomicznych, jednak uczniowie deklarowali bardzo duży i duży wpływ na konkretne wydatki realizowane w rodzinach, zwłaszcza w przypadku podstawowych potrzeb własnych. Wprowadzenie świadczeń z programu „Rodzina 500+” zmieniło nieco układ decyzyjny w rodzinach na rzecz większej aktywizacji uczniów. W badaniu wyróżniono trzy główne kategorie wydatków gospodarstw domowych z tego programu: finansowanie edukacji dzieci, zakup odzieży i obuwia oraz żywności. W opinii badanej młodzieży część środków z programu 500+ jest przeznaczana na oszczędności (33,2%), rzadziej na finansowanie inwestycji (7,9%).
EN
Research objective: The article attempts a diagnosis of the financial literacy and activity of consumers in aspects related to financial management, sources of financial knowledge, knowledge of the market offer of banks, and having their own account in the group of young consumers from the Lublin region. The research problem and methods: The group of young consumers constitutes one of the market’s largest and most developing consumer groups and is classified as a particularly vulnerable group. Our study was conducted on a random sample of 261 students aged 17–18 attending the second grade of grammar and technical secondary schools in selected poviats (counties) of the Lublin region, based on the criterion of population wealth. The process of argumentation: Based on the relevant literature and the quantitative survey. The collected data were analyzed using basic analysis methods (such as independence tests and correspondence analysis). Research results: The study showed that more than 70% of young people from the Lublin region have financial resources at their disposal. However, only 16.7% of them attempts to manage their own finances. More than half of them have a bank account, but the knowledge of the market offer targeted by banks at this target group is low. Statistical analyses showed an impact of the cultural capital represented by the mother’s education and place of residence on the financial activity of the youth. Conclusions, innovations, and recommendations: Young people are often unaware of the market offer addressed to them and rarely attempt to consciously manage their financial resources. Research shows that the young generation has limited opportunities to expand their financial knowledge and, consequently, implement reasonable financial practices. Simultaneously, young consumers are the most promising target group, especially in the context of an ageing society and the low loyalty of individual buyers.
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