The paper addresses the reasons for decisions taken to improve the financial situation in a household through saving or taking credits. The study consists of a theoretical part describing economic definitions of saving and taking credits and an empiric part which discusses the results of logistic regression model. The model uses data obtained in the survey Living conditions of Polish Society – problems and strategies, carried out by the Public Opinion  Research Center.

1. PRESENTATION: The methods of funding the improvement of financial situation in households and the factors determining their choice, Microsoft Office Document, 0.6MB

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