Społeczno-ekonomiczne determinanty zadłużenia gospodarstw domowych w Polsce
Socio-economic determinants of household debt in Poland

Summary/Abstract: Households in Poland are increasingly using credit market to finance their consumption plans. The aim of this paper is an analysis of socio-economic characteristics of households, which determine the use of credit. Unidentified data from household budget surveys conducted by Central Statistical Office are used in this study. The research shows that the higher household income and educational level of the households’ head increase the likelihood of using credit by consumers. In contrast, indebtedness among households led by people who are over 45 years old tends to decrease.

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