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Financial Risks of Local Governments Concerning Implementation of Their Social Political Aims

100%
Takacs-Gyorgy K., Takacs I.
Zarządzanie Publiczne
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2010
|
issue 3 (11)
33-46
EN
The local governments of settlements fulfill not only their basic duties but also a great deal of other tasks as well that influence the communities' living conditions and quality of life, and through the way inhabitants feel also have an impact on the retention capacity of the settlements. The social policy of local governments is fulfilled by the governments. Financing the tasks and their risks have a great effect on the realization of sustainable local governing. The aim of this study is to review the Hungarian local governmental system assessing some anomalies of the financing of local governments and to draw attention to the risk of local governments, to the possibilities of how to reduce their operational risks highly considering the social political goals of the local governments, the role it has in developing and improving the people's quality of life.
2

INDEBTEDNESS OF COUNTIES IN SILESIAN VOIVODESHIP IN 2004-2007 (Zadluzenie powiatow ziemskich wojewodztwa slaskiego w latach 2004-2007)

100%
Czempas J., Rduch R.
Śląski Przegląd Statystyczny
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2010
|
issue 8(14)
7-24
EN
The aim of the paper is to present the scale and dynamics of indebtedness related to incomes of all 17 counties in Silesian Voivodeship. On the basis of concentration ratio proposed by K. Kukula, the authors assess changes in incomes' and indebtedness' distribution. The period taken into consideration during the analysis spanned from 2004 to 2007. The authors indicated the usefulness of the concentration ratio for the assessment of indebtedness' stability.
3

INDEBTEDNESS IN CHOSEN INDUSTRIAL SECTORS WITH REGARD TO THE ECONOMIC DEVELOPMENT IN THE WORLD

75%
Čulková K., Taušová M., Shejbalová Muchová M., Domaracká L., Tauš P.
Ekonomický časopis (Journal of Economics)
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2018
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vol. 66
|
issue 1
28 – 42
EN
The specific corporate indebtedness and capital structure of the companies in individual industrial sectors is a fundamentally serious problem, resulting from a number of factors. The aim of the contribution is to evaluate indebtedness in chosen industrial sectors according to available financial statements and research of the problem in the market with the consequent possible determination of financial situation improving. Due to the evaluation of indebtedness chosen indexes had been evaluated; mainly total indebtedness, financial leverage ratio, and insolvency. Results show numbers of companies overreach recommended indebtedness and threaten their future acting. They need to consistently evaluate obtaining of financial means for covering of their property and in case of overreaching optimum; they need to find the proper alternative to business financing.
4

KRITICKÁ MIERA ROZPOROV CIVILIZÁCIE A GLOBÁLNA EKONOMICKÁ KRÍZA

75%
Šikula M.
Ekonomický časopis (Journal of Economics)
|
2009
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vol. 57
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issue 8
732-755
EN
Intention of this article is to contribute to overcoming the simplifications about the character of ongoing global crisis. The author is arguing the consideration that it is qualitatively new process, which main causes are derived mainly from the fact that two crucial discrepancies of civilization came into critical magnitude. It is the contradiction between the economy and humans, let us say, between society and economy and natural environment, which are causing increasingly dire polarization of earnings and wealth, limiting global demand, building up abundant production capacities and constraining investments to the real economy. Growing surplus of capital can not find adequate space for gains in the real economy. On the example of data evaluation for US Economy the author documents long-term indefensibility of real demand substitution for virtual demand, generated by extreme expansion of financial sector and growing ruinous indebtedness. Logic of these processes had inevitably ended in crisis, solution of which requires systemic character.
5

RELATIONSHIP BETWEEN HOUSEHOLD WEALTH AND FINANCIAL VULNERABILITY IN THE POST-COMMUNIST COUNTRIES OF THE EURO AREA

75%
Buleca J., Šubová N., Maličká L.
Ekonomický časopis (Journal of Economics)
|
2022
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vol. 70
|
issue 7-8
569 – 588
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.
6

TURKISH VERSION OF THE REVISED AND SHORT INDEBTEDNESS SCALE (ISR-S): TRANSLATION, VALIDITY, MEASUREMENT INVARIANCE AND RELIABILITY STUDIES FOR TURKISH UNIVERSITY STUDENTS

75%
Oğuz-Duran N.
Studia Psychologica
|
2020
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vol. 62
|
issue 3
198 – 212
EN
The purpose of this study was twofold: 1) to translate the Revised and Short version of the Indebtedness Scale (ISR-S) into the Turkish language and to assess its psychometric properties, and 2) to use this scale to explore the relationship of indebtedness with gratitude, happiness, and life satisfaction in Turkish culture. Four data sets covering a total of 883 Turkish university students were used. Construct validity of the Turkish ISR-S was assessed by using confirmatory factor and multi group invariance analyses, and Pearson correlation test between the measure of negative affect and the ISR-S. To examine the reliability of the scale, Cronbach’s coefficient alpha was used as an indicator of internal consistency, and also test-retest reliability computed over a period of four weeks. The results indicated that there is psychometric evidence for the unidimensional 9-item structure of the ISR-S in Turkish undergraduate students. Indebtedness was not found to be significantly correlated with gratitude, happiness and life satisfaction.
7
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Psychospołeczne czynniki zadłużenia

63%
Koziński M.
Opuscula Sociologica
|
2012
|
issue 2(2)
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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