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Creating consumer protection law vs. responsible borrowing on the consumer loan market

100%
Borys G., Manacka R.
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
|
2019
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vol. 53
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issue 3
EN
Responsible borrowing means a thorough reflection on the need to become indebted, full transfer of true information affecting creditworthiness, comprehensive analysis of the credit agreement, and refraining from avoiding the repayment of loan obligations. The main purpose of the article is to verify the hypothesis that Polish legislators make only the lenders fully responsible for excessive borrowing on the consumer loan market. The following research methods were used: critical analysis of the subject literature and economic analysis of the respective legal provisions. On the basis of the analyses conducted, areas were identified in which the legislator should use the appropriate legal instruments stimulating responsible borrowing. Among them the following were listed: the consumer’s obligation to prove the absence of overdue payments and the consumer’s notifiation of becoming acquainted with the terms of the loan agreement.
PL
Responsible borrowing means a thorough reflection on the need to become indebted, full transfer of true information affecting creditworthiness, comprehensive analysis of the credit agreement, and refraining from avoiding the repayment of loan obligations. The main purpose of the article is to verify the hypothesis that Polish legislators make only the lenders fully responsible for excessive borrowing on the consumer loan market. The following research methods were used: critical analysis of the subject literature and economic analysis of the respective legal provisions. On the basis of the analyses conducted, areas were identified in which the legislator should use the appropriate legal instruments stimulating responsible borrowing. Among them the following were listed: the consumer's obligation to prove the absence of overdue payments and the consumer’s notification of becoming acquainted with the terms of the loan agreement.
2
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Świadomość odpowiedzialnego pożyczania

83%
Kolasińska E.
Prakseologia
|
2012
|
issue 152
169-184
EN
The issue of responsible borrowing is an interdisciplinary issue, undertaken by different social sciences and practitioners of economic life. Responsible borrowing is a credible and reliable transaction between the lender and the borrower. This commitment requires reliability of both parties. The main thesis of this article is the following: Financial competences promote responsible decision-making about borrowing money. Nowadays, financial competences are the key resources that are essential for social and economic life. This article presents the development of the awareness of responsible borrowing of money. Financial competences and trust in financial institutions are also discussed. In conclusion, it was found that financial awareness and financial competences are conducive to responsible borrowing of money.
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