Published : 2023-11-21

– Financial perspectives and credit rating of households in a background of the programme „Family 500+” (Proposal of a financial calculation method on the example of Podkarpackie voivodeship)

Krzysztof Opolski



Agata Gemzik-Salwach



Abstract

The main objective of the article was to show the impact of the programme “Family 500+” on increase of income levels, credit rating and a debt structure of households in economically underdeveloped regions. As the example of the underdeveloped region a Podkarpackie voivodeship was used, while in the researchstatistical data concerning income, expenditures and debt of households for this voivodeship and whole country were used. The article contains a proposition of a method of calculation an impact of the programme “Family 500+” on the increase of credit rating, that could be adapted by financial institutions, simultaneously being a voice in a discussion about consequences of introduction the programme “Family 500+”.

Keywords:

household finance, consumption, household debt, credit rating



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Opolski , K. ., & Gemzik-Salwach, A. . (2023). – Financial perspectives and credit rating of households in a background of the programme „Family 500+” (Proposal of a financial calculation method on the example of Podkarpackie voivodeship). Safe Bank, 63(2), 90–118. Retrieved from https://ojs.bfg.pl/index.php/bb/article/view/299

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