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EN
Presented issues concern market and economic efficiency rate of independent public health care institutions. There has been done result analysis of financial restructuring in area of independent public health care institutions in Lower Silesia region in 2005-2010. The main goal of financial restructuring was a short-term liquidity ratio recovery which caused decrease of liabilities.
EN
The main aim of the article is to determine how often Polish farms resort in their operation to credits and leasing. Generally, the degree to which these forms of financing are used is not high, especially in the case of leasing. It should be noted, however, that an improvement has occurred in this respect as evidenced by an increase in the credit indebtedness of farms recorded between 1996 and 2002. Moreover, polarization of farms is observable as far as the use of credits is concerned. On one hand, the use of credits has become less frequent in smaller farms and, on the other hand, the number of entities drawing large credits has increased. The surveyed respondents favourably assess the effects of the use of preferential credits in their farms. It can be stated that the low popularity of leasing among Polish farmers may be attributable to the economic downturn in agriculture and the farmers' insufficient knowledge about the possibilities of using this form of financing. The results of the conducted surveys also suggest that the farms which use credits and leasing have a relatively well defined organizational-demographic profiles. This creates a chance for banks and leasing firms to more selectively prepare proposals addressed to clients from the agricultural sector.
EN
The paper analyzes the family farms in the possibility of developing surpluses at different levels of debt. The method quartiles. The study involved a family farm, which in the period 2004-2008 to collect data in the FADN and were indebted. The study showed that farms in the upper quartile (more debt), generate a higher return on capital employed compared with those less indebted.
EN
In the article the author analyzes the major causes of the outbreak of the economic crisis in Greece. In his opinion they are: mistaken economic policy of the state, not taking structural changes of the economy and not using the chances of globalization and the membership in the European Union to increase the competitiveness of the economy. The author also shows the chances to solve the crisis.
EN
The paper critically analyzes the main approaches to remuneration (in the context of world and national experience and practice) investigated the minimum wage, their correlation with subsistence and household consumer basket. Based on the global and national experience different approaches to software productivity and corresponding systems of remuneration, defined dependence (correlation) between productivity and wages.
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PL
Artykuł jest przeglądem badań przedstawiającym aktualny stan wiedzy na temat psychologii długu. Autor przytacza wyniki badań dotyczących tematu zadłużania się, próbuje nakreślić charakterystykę psychologiczną typowego dłużnika oraz rozpoznać najważniejsze przyczyny powstawania długu. Wyniki międzynarodowych badań, na które powołuje się autor, podkreślają wagę psychospołecznych czynników powiązanych z powstawaniem zadłużenia, a są to m.in.: nierealistyczny optymizm, impulsywność, krótki horyzont czasowy czy też brak samokontroli. Niekontrolowane zadłużanie się gospodarstw domowych wydaje się poważnym problemem społecznym, co może owocować w przyszłości falą bankructw konsumenckich. Wydaje się zasadne podjęcie kroków prewencyjnych, aby uchronić gospodarstwa domowe przed popadnięciem w pułapkę zadłużenia.
EN
The article is a review of the contemporary research into the psychology of debt. It addresses the issues of indebtedness, reason of being a debtor and attempts to outline the psychological characteristics of a typical debtor. International studies point to many psychosocial factors associated with the formation of a debt. These include among others: unrealistic optimism, impulsivity, a short time horizon, or lack of self control. Moreover, uncontrolled borrowing seems to be a serious social problem which can result in a future wave of consumer bankruptcies. It seems reasonable to take preventive steps to protect households from falling into the debt trap.
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