Problematyka nadmiernego zadłużania w kontekście wykluczenia finansowego
The issue of overindebtedness in the context of financial exclusion

Summary/Abstract: Awareness of the scale of financial exclusion and overindebtedness and, above all, of the negative consequences of what they involve on a micro-economic scale, for individual households, as well as on a macro-economic scale, for the whole national economy is not reflected in considerations on the basis of identification of the interdependencies and concomitance of both phenomena. The purpose of this article is to indicate relationships between the phenomenon of overindebtedness and financial exclusion. Thus it will be necessary to outline the size of household debt and financial exclusion in Poland, and then the recognition of the causes and consequences of both phenomena with an indication of the common areas.

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