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
Related Articles
- EP ID EP556908
- DOI -
- Views 52
- Downloads 0
MIĘDZY ROMANSEM A ORIENTALIZMEM. TYSIĄC I JEDNA OPOWIEŚĆ O MIŁOŚCI
The paper describes the phenomenon of romance tourism through the narratives taken from the German Internet portal 1001-Geschichte.de. Romance tourism is a term used to characterize women who during holidays in the count...
Odbudowa gmachu doświadczalnego Szkoły Głównej Handlowej w Warszawie po II wojnie światowej
In 2008 the Campus of the Warsaw School of Economics (SGH) was entered into the register of monuments. The Research Pavilion, so called Building A, is the oldest of the campus buildings. It was constructed between WWI an...
Contemporary Approach to Specialization in Mazovia
Supporting smart specialization, taking into account regional potential, makes sense in the case of probable, significant increase of a competitive advantage in the region. This should result in economic growth. In turn...
WSPÓŁCZESNA GLOBALIZACJA: PRZEBIEG, CZYNNIKI I OZNAKI METAMORFOZY PROCESU
The article aims at an analysis of changes in development of globalization which took place during the 2007–2008 crisis and the following years of the economic slowdown. The analysis is conducted against the background o...
UDZIAŁ PAŃSTW OBJĘTYCH EUROPEJSKĄ POLITYKĄ SĄSIEDZTWA W PROGRAMACH RAMOWYCH BADAŃ
The aim of the European Neighbourhood Policy is to search for a new quality of cooperation between the EU and the states whose membership in the European Union is not presently considered. After preparation in 2004 of ba...