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EN
The authors discuss unregistered jobs offered by households indicating that attitudes towards the State are as important as cost - benefit calculations. The paper presents empirical findings concerning households decisions on using unregistered work.
EN
AThe article deals with the topic of rural family structure in the first half of the 19th century based on the example of the village Novy Rychnov (Southern Bohemia), a rural community with a significant portion of domestic manufacturing. The article is based on research on confession records, which reveal the development of households in 1833-1855. Personal data were completed from parish registers. The second part of the text analyses the demographic development of Novy Rychnov and presents the main features of the local population. The text also includes a social and professional classification of the village inhabitants. Primary attention focused on an analysis of the household structure. The analysis showed that the quick transformation of household structure was related to the increasing number of simple nuclear families and a reduction in family size. This change was doubtless connected with the transformation of the economic behaviour of the population and a change in their mentality
EN
In the article were shown the results of cross-sectional and dynamic analysis of diversification of the level and structure of household debt and the problems with its repayment in the EU countries over the period 2005-2009. In the article the multidimen-sional methods of data analysis (cluster analysis – k-means method) which enabled to classify the households in the EU according to the characteristics that were used describe its debt. Moreover, in order to determine the quantitative relationships between the level of household debt, and between the frequency of occurring the problem with debt repayment, the tools of correlation and regression analysis were used.
EN
The phenomenon of insolvency becomes more and more widespread and without doubt is alarming. More and more households have problems with the control of their obligations. The aim of this article is analysis of the threat of insolvency of households and it is executed in the support of author's own research with the use of empirical data of National Polish Bank and Polish Financial Supervision Authority, which shows the rise of endangered credits.
EN
The article tries to present households as subjects functioning at savings and loan market and to analyse the co-relations between chosen saving deposits' determining factors and their scale in Poland.
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2009
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vol. 4
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issue 1
72-82
EN
Financial advisory services have been developing extensively since 2001. Because of the short period of functioning of that type of services in the financial market the clients perceive the currently available offer with reserve. So far, they have been interested mainly in loan advisory services, mainly in the housing market. Until recently that area was the main domain of banks although the wide range of available products caused that the clients started looking for professional advise not only from the bank consultant, who is interested in selling the products of represented company, but also from professional loan adviser who was able to collect information from the market and prepare the best financial options for the client. The study aimed at determining the scope of financial advisory services implemented in the area of placing the financial surplus of medium affluent households and directions of its development. The study covered 496 medium affluent households from Warmia and Mazury voivodeship. They possess adequate funds for implementing long-term investment programmes, they are more aware of the necessity of saving and they see their gaps in knowledge on financial instruments. They lack confidence in financial advisers and belief that the quality of services provided, and first of all their effectiveness, would be worth the price demanded for the advice.
EN
The article presents changes which occurred in the years 2000-2009 in savings and credits of Polish households registered by Polish National Bank. Particular emphasis is put on changes observed in time of real estates market boom in the years 2006-2008, and on effects of crisis in the years 2008-2009. The main aim of analysis was construction of econometric models describing influence of chosen macroeconomic factors on households' decisions of savings and taking credits in Poland. Therefore statistical analysis of chosen determinants was carried out and single-equation models of deposits and credits were estimated and verified for monthly data. Each model turned out to be numerically and statistically proper and each shows essential impact of taken determinants on analysed phenomena.
EN
Economic growth is frequently presented as the source and direct bridge to the overall welfare development. The GDP per capita is frequently referred in this connection as a measure of the economic and social development. However this argument is not sufficiently supported by data covering the welfare situation of the country. According the EU Statistics on Income and Living Conditions (EU-SILC) project, in 2010 there are around 17% of the EU citizens living under the at-risk-of poverty threshold. To address the missing links between economic growth and the broader social development dynamics, the income situation of the households in selected EU member countries over the last years is investigated using the EU-SILC data. The empirical results confirm that losers from economic growth and recession are unequally distributed towards female, young, elderly, unemployed, retired and less educated. Gains are pertaining to more educated persons implying a greater focus on opportunities to education and on labour market.
EN
The article analyzes the general characteristics of the socio-economic situation in the Minsk Region and identify opportunities for further development of rural tourism in activities among rural residents.
EN
The presented article focuses on the work, namely on the unpaid work in the household. The unpaid work in this form represents relatively new topic. A work as a fundamental inseparable and for many people also the self-evident part of their lives stands for multidimensional phenomenon and therefore it has been a subject of interest of several scientific disciplines. Under influence of globalization especially of modernisation the work changes all the time and it is necessary to catch and interpret its newest processes of change, its new shapes, presuppositions and sequelae. The interdisciplinary approach is applied where there also the sociology has its place. The contribution offers a cross-sectional view on the research of the unpaid work in Slovak Republic. It presents the most important results concerning the volume and structure of unpaid work and its predetermined share on GNP and at the same time it offers suggestive international comparison of this phenomenon. Except of the economic dimensions the authors identify also the crucial non-economic determinants of the unpaid work occurrence in the Slovak households in the form of motives and attitudes of family members. The force and social value of this motives and attitudes influence other factors of the occurrence and duration of the unpaid work.
EN
Choice of a proper approach to individual welfare measurement is an important element of poverty measurement process. The aim of the paper is to develop simple measures of individual welfare. Two alternative approaches to individual welfare estimation by direct method are used. The first approach is based on furnishings of households by goods of long-term consumption. The second approach is based on the structure of households' expenses. Index of households' furnishings and index of expenses structure are proposed. Levels of the poorest households' welfare in Eastern Slovakia (mainly of Roma ethnic origin) are then compared. The sample consists of 170 households from Eastern Slovakia participating in micro savings program of ETP Slovakia. Values of indices are in close relation to equivalent disposable income. The proposed indices may serve as supplementary measures of individual welfare of households.
EN
An important aspect of examining the standard of living is the differentiation according to the territorial (regional) of the studied populations. In this article the authors focused on characterizing the standard of living based on variable net cash expenditure and net cash income households converted to 1 household member in the individual regions of Slovakia (NUTS 2). The main benefit is the lesser known application methods in relation to the topic used in quantifying Gatev´s coefficient of dissimilarity of structures of selected indicators of living standards. The aim of this contribution was to show the possibility of using methods for measuring the similarity of structures, as well as application possibilities correspondent analysis for measuring regional disparities, which are reflected in varying levels of cash income and differentiated structures of net cash expenditure of households.
EN
The flash estimates of main macroeconomic indicators represent an integral part of officially available statistical information in countries of EU-27. They are compiled by means of model tools in countries of the former EU-15 and the same standard should be achieved also in other countries of the current EU-27. In Slovakia, the econometric modelling started in this field in 2004. The main objective of this activity is to create a specific model framework supporting the preparation of flash estimates for GDP and some other basic macroeconomic indicators of the Slovak economy. In the article the methodological approach and two econometric-type models based on quarterly data in the form of Error Correction Model (ECM) are presented and interpreted. As far as explanatory variables are concerned, it is important, that they are all available before the flash estimates in reference quarter are compiled.
EN
The paper investigates the relationship between household wealth and financial vulnerability in the euro area member countries using data from the European Union Household Finance and Consumption Survey (HFCS). The instrumental variable regression model based on the two-stage least square method was used to elicit the role of household financial vulnerability in wealth accumulation. To consider different historical development and implementing social policies, the analysis considers the household location (post-communist countries according to the Warsaw Treaty and other European countries with a core in Western Europe). The analysis results emphasise the positive relationship between households’ wealth accumulation and financial vulnerability represented by household indebtedness. Additional variables reflecting the households’ socio-economic and demographic characteristics are statistically significant, too. Debt service-to-income ratio, statuses of employment (employed and self-employed), and age of the reference person squared were driving forces of wealth accumulation, while age of the reference person, number of dependent children, employment status (retired, other), and geographical location lower the level of household wealth.
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