Absorpcja kredytów w sektorze gospodarstw domowych

The aim of the article is to prove the role of credits in the functioning of household. The author indicates the effects credits may have on global demand and increase in consumptions utility. The credit absorption of households is related to favorable macroeconomic environment. The theoretical part of the article focuses on the macroeconomic factors. In the analytical part of the article the author presents adjustment processes in the commercial banks to the growing demand for these credits.