Search results

1

SYSTEM EMERYTALNY W HISZPANII

100%

Pieńkowska-Kamieniecka S.

Polityka Społeczna

|

2012

|

vol. 39

|

issue 5-6(458-459)

29-33

PL

W artykule przedstawiono specyfikę i zasady funkcjonowania publicznego i prywatnego systemu emerytalnego w Hiszpanii, który w toku swojej ewolucji przeszedł liczne zmiany. Ukazano wysokość świadczeń, zmiany w liczbie świadczeniobiorców emerytur finansowanych ze źródeł składkowych i zaopatrzeniowych oraz wydatków na emerytury w relacji do PKB. W artykule zaprezentowano ponadto warunki, rodzaje rozwiązań i stopień uczestnictwa społeczeństwa Hiszpanii w rynku dodatkowych programów emerytalnych.

EN

The article presents the characteristics and functioning of public and private pension system in Spain, which in the course of its evolution has undergone many changes. It was illustrated the amount of benefits, changes in the number of beneficiaries pensions financed from the social insurance and the supply situation and the expenditure on pensions in relation to GDP. Moreover, the article presents the conditions, the types of solutions and the degree of participation by society in Spain in the market for supplementary pension schemes.

2

Dodatkowe zabezpieczenie emerytalne młodych Polaków

63%

Rutecka-Góra J., Pieńkowska-Kamieniecka S.

Studia BAS

|

2023

|

issue 3(75)

55-78

EN

The aim of the article is to assess the level of pension security and retirement readiness of young adults (under 30) in Poland. The forms of supplementary pension security used by young adults were analysed, and the level of their participation in supplementary pension plans was examined. Following the introduction, the first section presents the architecture of the old-age pension system in Poland. The second section focuses on young people’s participation level in supplementary pension plans and their savings goals. The next section presents the results of the research on the financial goals and adequacy of respondents’ retirement planning based on OECD/INFE survey data. The last part discusses and concludes the results of the study. The survey found that young adults are not taking enough action to reduce the expected retirement gap and are more likely to set financial goals and be more optimistic about their retirement planning than older adults. They are more likely to rely on their own savings and supplementary retirement security, which, however, is not supported by data on the level of participation in supplementary retirement plans. Only one in five young adults intends to continue working past retirement age.

3

Formalne i nieformalne zabezpieczenie emerytalne – postawy i oczekiwania Polaków wobec zmian demograficznych, społecznych i ekonomicznych. Kontekst europejski

63%

Pieńkowska-Kamieniecka S., Walczak D.

Studia BAS

|

2022

|

issue 4(72)

123-142

EN

The aim of the article is to discuss the importance of formal and informal sources of retirement security of Poles in the face of current economic, social and demographic changes. Formal sources are understood as the institutional pension security (regulated by law), while the informal source will be primarily considered to be family support (the so-called natural pension security). Following the introduction, the first section shows demographic trends in Poland and refers to pension security from the public pension system. The second section presents data sources and research methods used in the article. The third section shows the results of research on planned protection in old age. The fourth part discusses and concludes the results of the study. The research shows that not many Poles save for old age, counting on the support of the state and children.

4

Readability, efficiency and costliness of individual retirement products in Poland

51%

Pieńkowska-Kamieniecka S., Rutecka-Góra J., Kowalczyk-Rólczyńska P., Hadryan M.

Equilibrium. Quarterly Journal of Economics and Economic Policy

|

2021

|

vol. 16

|

issue 1

45-74

EN

Research background: The role of supplementary pension systems in providing adequate income in old-age is increasing significantly. They are frequently analysed, but rather in terms of architecture, product forms, assets under management or tax incentives than in terms of their efficiency, costliness or readability for individuals. Purpose of the article: The first aim of this paper is to evaluate individual retirement products in Poland regarding their linguistic readability and transparency, investment efficiency and costliness. Moreover, we examine whether there is any correlation between the analyzed characteristics of contracts that would suggest an intentional strategy by financial institutions to hide low efficiency and high costs. The second aim of the article is to assess which individual retirement products are similar to each other and which are significantly different. The research covers two types of individual retirement products (IKE and IKZE) offered at the beginning of 2017. Methods: We used the ?Jasnopis? linguistic analysis tool to assess the difficulty level of the language used in the contracts and we conducted desk-research to analyse their transparency. We indicated the costliness and efficiency of the products by calculating the 5-year cost ratios and real average 5-year rates of return. To examine the relations between the characteristics of pension contracts, we used the Spearman's rank correlation coefficient and then verified its significance with a non-parametric test. Moreover, to identify groups of products that are similar to or different from each other, Ward's method was used. The study includes nearly 90% of all individual retirement products offered in Poland. Findings & value added: For both types of retirement products studied (IKE and IKZE), we found that the more readable a contract is, the higher its rate of return is and the higher the costs charged are. Moreover, the more readable a contract is, the more transparent it is. The findings of the study provide financial institutions, the supervisor and creators of social policy with information on market imperfections and recommendations how to improve the individual retirement products offered on the market. Our research makes a unique contribution to the multidimensional research of supplementary pension systems. It also develops the understanding of how to successfully use linguistic tools in complex analyses of financial services. The results of the hierarchical cluster analysis proved that both IKE and IKZE products differ substantially and their features generally do not depend on the type of the financial provider.

5

Social Insurance for Farmers in Poland and Lithuania – a Comparative Analysis

51%

Miceikiene A., Walczak D., Pieńkowska-Kamieniecka S.

Comparative Economic Research. Central and Eastern Europe

|

2019

|

vol. 22

|

issue 1

17-32

PL

Celem artykułu było przedstawienie ubezpieczenia społecznego rolników w Polsce i na Litwie. W pracy wykorzystano następujące metody badawcze: metoda opisowa, analiza literaturowa, analiza statystyczna oraz ekonomiczna analiza prawa. W wyniku przeprowadzonych badań stwierdzono, że w obu krajach występuje odmienny model ubezpieczeń społecznych dla rolników. Wynika to nie tylko z decyzji politycznych, ale zapewne i z innych uwarunkowań wpływających na rolnictwo w tych krajach. Podkreślenia wymaga fakt, że w Polsce ubezpieczenia te są dotowane w wysokości około 90%, gdy tymczasem na Litwie system jest samowystarczalny.

EN

The aim of the article is to present the social insurance of farmers in Poland and Lithuania. In the study, the following research methods were used: the descriptive method, a literature review, statistical analysis, and an economic analysis of the law. On the basis of the study results, it was concluded that both countries have a different model of social insurance for farmers. This results from political decisions, but also from other aspects which have an impact on agriculture in those countries. It needs to be stressed that in Poland this type of insurance is about 90% subsidized, whereas in Lithuania this system is self‑sustaining.

6

Social insurance knowledge: implications for education

51%

Pieńkowska-Kamieniecka S., Walczak D., Schnabel R.

Ubezpieczenia Społeczne. Teoria i praktyka

|

2021

|

issue 2

3-24

PL

W związku z rosnącym wpływem finansjalizacji na społeczeństwo większa świadomość ubezpieczeniowa, która jest integralną częścią wiedzy finansowej, staje się coraz bardziej istotna. Przeprowadzone w Polsce badanie dowodzi, że Polacy, a wśród nich zwłaszcza kobiety, osoby słabiej wykształcone oraz mieszkające na wsi, mają bardzo niski poziom wiedzy o ubezpieczeniach społecznych. W celu jej poprawy, a tym samym zwiększenia świadomości finansowej, państwo powinno nie tylko wpływać na wzrost poziomu wykształcenia, lecz także działać w kierunku poszerzenia obecnej wiedzy członków społeczeństwa, aby podejmowali bardziej świadome decyzje finansowe.

EN

As the increasing impact of financialization on our lives, an extensive awareness of insurance – an integral part of financial knowledge, proves ever more important. A conducted in Poland survey shows that Poles, especially women, the less educated and those living in rural areas, have very limited knowledge about insurance. In order to increase this knowledge and financial awareness, the state should not only strive to provide a proper education, but also take actions to broaden the actual level of this knowledge and foster informed financial behaviour on the part of individuals.

Refine search results

2 Studia BAS

1 Comparative Economic Research. Central and Eastern Europe

1 Equilibrium. Quarterly Journal of Economics and Economic Policy

1 Polityka Społeczna

1 Ubezpieczenia Społeczne. Teoria i praktyka

6 Pieńkowska-Kamieniecka S.

3 Walczak D.

2 Rutecka-Góra J.

1 Hadryan M.

1 Kowalczyk-Rólczyńska P.

1 Miceikiene A.

1 Schnabel R.

1 2023

1 2022

2 2021