Wykluczenie finansowe i integracja finansowa – aspekty terminologiczne
Journal Title: Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace - Year 2018, Vol 1, Issue 1
Abstract
The aim of the article was to present the issue of financial exclusion with the definition of sensitive areas of this phenomenon. The factors that may be relevant for measuring the degree of financial exclusion were analyzed. An attempt was also made to determine the difficulties in access to financial services both in the context of practices applied by the supply and demand side. In addition, barriers to the use of services were analyzed and financial products also in terms of practices used by the supply side as and demand. The typology of financial exclusion presented in the article is an attempt to define the type and scope of the phenomenon. Bank exclusion, credit exclusion and exclusion from the savings system are financial exclusion indicators. Each of the types of exclusion cited has effects on the economic and social level. The phenomenon of financial exclusion, which is one of the symptoms of the imbalance between demand and supply, is understood as total or partial access to financial services offered by the market. The article also attempts to analyze the causes of exclusion with the division into supply and demand factors. The typology of the phenomenon of financial exclusion proposed in the article may be a contributing factor to the reverse phenomenon, which is financial inclusion, or financial inclusion.
Authors and Affiliations
Maria Czarnecka
Keywords
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