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Tytuł:
Creating consumer protection law vs. responsible borrowing on the consumer loan market
Autorzy:
Borys, Grażyna
Manacka, Renata
Powiązania:
https://bibliotekanauki.pl/articles/610982.pdf
Data publikacji:
2019
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
consumer loans
consumer protection
responsible borrowing
Opis:
Responsible borrowing means a thorough reflection on the need to become indebted, full transfer of true information affecting creditworthiness, comprehensive analysis of the credit agreement, and refraining from avoiding the repayment of loan obligations. The main purpose of the article is to verify the hypothesis that Polish legislators make only the lenders fully responsible for excessive borrowing on the consumer loan market. The following research methods were used: critical analysis of the subject literature and economic analysis of the respective legal provisions. On the basis of the analyses conducted, areas were identified in which the legislator should use the appropriate legal instruments stimulating responsible borrowing. Among them the following were listed: the consumer’s obligation to prove the absence of overdue payments and the consumer’s notifiation of becoming acquainted with the terms of the loan agreement.
Responsible borrowing means a thorough reflection on the need to become indebted, full transfer of true information affecting creditworthiness, comprehensive analysis of the credit agreement, and refraining from avoiding the repayment of loan obligations. The main purpose of the article is to verify the hypothesis that Polish legislators make only the lenders fully responsible for excessive borrowing on the consumer loan market. The following research methods were used: critical analysis of the subject literature and economic analysis of the respective legal provisions. On the basis of the analyses conducted, areas were identified in which the legislator should use the appropriate legal instruments stimulating responsible borrowing. Among them the following were listed: the consumer's obligation to prove the absence of overdue payments and the consumer’s notification of becoming acquainted with the terms of the loan agreement.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2019, 53, 3
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Minimalism in consumption
Autorzy:
Błoński, Krzysztof
Witek, Jolanta
Powiązania:
https://bibliotekanauki.pl/articles/610545.pdf
Data publikacji:
2019
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
consumption
minimalism
consumer behaviour
Opis:
One of the trends in consumer behaviour that has been gradually gaining strength since the beginning of the 21st century is minimalism, also defined as anti-consumerism, voluntary simplicity and deconsumption. These notions are not identical, although, according to research, the conceptual scope is very approximate. Minimalism means deliberately limiting consumption to the rational sizes that result from the natural, individual, physical and mental characteristics of consumers, while emphasising responsible decision-making in this area. The most common expression of processes related to minimalism is mainly the limitations in quantitative and structural consumption. The aim of the article is to present the state of knowledge about minimalism in consumption on the basis of the analysis of the Polish literature on the subject and the results of scientific research. In the case of consumption, minimalism is compared with other concepts and described in terms of the various research fields of consumption. In the case of trends in consumer behaviour, the term is contrasted with deconsumption and voluntary simplicity. It is indicated as part of a lifestyle of sustainable consumption, and occurs when discussing food wastage as well as fashion. It should be noted that the given issues are related to each other, and their separation/separate treatment results from the adaptation of individual principles and rules by different groups of consumers depending on their own needs.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2019, 53, 2
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Willingness to pay for consumer food products in scientific research
Autorzy:
Sobotko, Ewelina
Powiązania:
https://bibliotekanauki.pl/articles/957563.pdf
Data publikacji:
2019
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
WTP
consumer decisions
economic value
Opis:
Theoretical background: The basis for developing a company's pricing strategy is information on consumers' willingness to pay (WTP). In order to properly estimate the demand for the products offered, it is necessary to understand the reactions of consumers to different price levels of goods. Research on WTP has been developing dynamically in the international arena for over a decade. The concept of WTP as presented in the article, a concept which may support decisions concerning pricing policy and influence the earnings of entrepreneurs, is rarely discussed in Polish publications.Purpose of the article: Based on the analysis of the literature, the article attempts to answer the question of whether, if buyers are willing to pay a higher price for certain characteristics of food products, WTP is an important predictor of consumers' purchase decisions.Research methods: The article contains studies of Polish and world literature in the field of the development and application of WTP in the context of food consumer products.Main findings: Consumers will most likely accept a higher price if they perceive that the value of a particular characteristic of the product distinguishes it from conventional goods. This means that it is not the price but the WTP that determines the decision to buy a food product. The relationship between value and price, and thus WTP, is crucial in the process of forecasting consumer choices.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2019, 53, 2; 89-97
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Wpływ działań promocyjnych na zachowania zakupowe młodych konsumentów na rynku żywności
Autorzy:
Angowski, Marek
Domańska, Katarzyna
Komor, Agnieszka
Powiązania:
https://bibliotekanauki.pl/articles/610313.pdf
Data publikacji:
2017
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
promotion tools
food market
consumer behaviour
young consumer
narzędzia promocji
rynek żywności
zachowania konsumentów
młody konsument
Opis:
The main objective of this paper was to assess the impact of promotional measures on the buying process of young consumers on selected food products markets. The empirical part was prepared based on surveys, which were conducted in 2016 and involved a group of 486 students using the purposive sampling method. As a result of the conducted surveys, it was determined that the individual types of promotional measures had a different impact on food buyers in terms of their food-buying decisions. The differences, however, were not signifiant. The most important role, in relation to all the studied product groups, was played by price discounts, followed by special offers at the place of sale and recommendations by family and friends.
Celem głównym pracy była ocena wpływu działań promocyjnych na kształtowanie się procesu zakupowego młodych konsumentów na rynku wybranych produktów żywnościowych. Część empiryczną opracowano na podstawie badań sondażowych, które zostały przeprowadzone w 2016 roku na grupie 486 studentów przy wykorzystaniu metody doboru celowego. W wyniku przeprowadzonych badań wykazano, że poszczególne rodzaje działań promocyjnych miały dla badanych młodych nabywców żywności zróżnicowane znaczenie w procesie podejmowania decyzji o zakupie żywności, choć różnice te nie były duże. Najistotniejszą rolę w odniesieniu do wszystkich badanych grup produktów miały rabaty cenowe, a w dalszej kolejności promocje handlowe w miejscu sprzedaży, a także rekomendacje rodziny i znajomych
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2017, 51, 2
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Gamification – the key to in-depth exploration of consumer behavior in market research
Autorzy:
Ścibor-Rylski, Michał
Powiązania:
https://bibliotekanauki.pl/articles/610483.pdf
Data publikacji:
2019
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
gamification
market research
projective techniques
consumer behavior
Opis:
Theoretical background: Games are used in various fields beyond pure entertainment: education, health services or human resources. They are also considered one of the most rapidly growing trends in marketing. Using gamifiation to engage the consumer and increase his loyalty is commonly used in nearly all product categories. Playing games is fun and companies use it to attract and involve the consumers in their brands’ activities. In addition, the role of gamification in market research is increasing. It helps to understand consumer behaviour by inducing a more natural mood in the survey process, and increasing engagement and the cognitive accessibility of often hidden information. The effectiveness of gamification requires systematic verifiation in the experimental research. Researchers indicate the positive effect of gamified research on respondents’ engagement and efficiency.Purpose of the article: This article presents the current state of knowledge in the field of gamification in market research. Its main purpose is to share the author’s own research results which are the replication of former results showing the positive effects of gamified tasks used in surveys.Research methods: An experiment was conducted to verify the hypotheses regarding the increased effectiveness of gamified tasks compared to the regular approach as well as to the well-known projective techniques. A total of 132 participants were split into three groups: control, experimental 1 (projective techniques or simple gamification – addition of extra rules to regular questions) and experimental 2 (more complex, narrative and contextual tasks based on gamification).Main findings: The hypothesis was confirmed and the former effects were replicated – gamified tasks increase the respondents’ effectiveness compared to the standard tasks and also compared to the use of the well-known projective techniques.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2019, 53, 1
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Millennials’ perspective on multiple distribution channels
Autorzy:
Słowikowska, Inga
Powiązania:
https://bibliotekanauki.pl/articles/611140.pdf
Data publikacji:
2019
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
multichanneling
multichannel behaviour
consumer behaviour
Generation Y, Millennials
Opis:
Theoretical background: The idea of multichanneling gained popularity in the late 1990s mostly due to the development of the Internet. Distribution changed from using single to several channels and integrating them, which allowed consumers to access multiple channels at every stage of the buyer decision process. Using multiple channels is referred to as multi-, cross-, or omni-channelling, depending on the level of channel interaction and integration. Transforming distribution from multi-, to omni-channelling can require important and expensive changes in the organization. In Poland, most of the retailers do not meet the requirements of omnichanneling, which leaves the consumers mostly with the experience of multi-, and cross-channelling distribution.Purpose of the article: The purpose of this article is to explore the consumer journey of Millennials in multichannel shopping by examining the usage of distribution channels by Generation Y and preferences about the delivery of products bought online. The factors that can encourage them to choose online channel and click-and-collect delivery more often are also investigated.Research methods: To test the hypotheses, literature research and quantitative study was implemented using an online survey (CASI). The study involved a group of 266 respondents from Generation Y and was conducted in January 2019. Research results were also compared to the prior research found in the literature.Main findings: Research results show that online channels are more popular for information seeking by Millennials but traditional stores are preferred by them for purchase decisions. There is also diversity in the channels used for purchasing researched group of products, which shows that integrating the channels in selected aspects may provide a more positive buying experience and create loyalty. Aspects differentiating multi- and cross-channels from omnichannels, such as lower prices and special offers in online stores, can increase the usage of online channels. The popularity of mobile devices is not well used in distribution channels – it is more popular to use a store’s website on a smartphone than a mobile application to purchase a product. Generation Y is also more likely to use the effect of ROPO (webrooming) than reversed-ROPO (showrooming). The aspects well known for omnichanneling can increase the popularity of click-and-collect among Millennials.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2019, 53, 1
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Behaviors of young consumers in a virtual environment on the example of the fashion industry
Autorzy:
Stachowiak-Krzyżan, Magda
Ankiel, Magdalena
Powiązania:
https://bibliotekanauki.pl/articles/609651.pdf
Data publikacji:
2019
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
consumer behaviour
young consumers
Generation Z
fashion industry
Opis:
Theoretical background: The use of social media is increasing rapidly. The total number of users has surpassed more than 500 million worldwide. Social media communication is growing faster than any other form of communication. Websites such as Facebook, Instagram, YouTube and Snapchat are examples of the social media sites that are popular among all level of consumers, but especially among young consumers. Social media are definitely influencing customer behaviour. Social media has changed the way consumers think, and companies have changed their vision to reflect how it will affect their buying decision process. This article presents the characteristics of young consumers in a virtual environment.Purpose of the article: The main goal of the article is to identify the role of social media used by fashion brands at every stage of the consumer buying decision process. The authors investigated the impact of social media on changing customer behaviour. The existing literature currently lacks a comprehensive conceptual framework to explain how social media could change consumer behaviour. Only a few studies have been conducted so far, but they have focused on the older generation, not on the youngest consumer. Nowadays, the young consumer constitutes an important but, at the same time, separate part of the market. The authors highlight the most important distinctive features of teenagers representing the so-called Generation Z.Research methods: The authors used qualitative analysis; more specifically, the technique of focus group interview. Three interviews were conducted, each consisting of eight students from Poznań universities. The main goal of this research was to identify the role of social media used by fashion brands at every stage of the consumer buying decision process.Main findings: The influence of social media on buying behaviour can be observed for fashion products. Social media play an important role in the decision-making process of young consumers. Social media have changed customer behaviour. They are an invaluable source of information and recommendations for products for young consumers. Furthermore, social media generate new needs and cause unscheduled purchases, mainly impulse purchases – for example, inflenced by a discount or an interesting presentation of the product. In addition, social media are a place for expressing opinions and sharing shopping experiences for young consumers. This knowledge about young consumers’ behaviour and attitudes to the use of social media in the decision buying process of fashion brands can be very valuable advice for companies to help them adjust tools of social media communications to their target group.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2019, 53, 1
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Zachowania konsumentów wobec nowych trendów konsumpcji – wyniki badań
Autorzy:
Sobczyk, Genowefa
Powiązania:
https://bibliotekanauki.pl/articles/609665.pdf
Data publikacji:
2018
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
consumer behavior
new trends
zachowania konsumentów
nowe trendy
Opis:
External and internal conditions of Polish households consumption are favorable the appearance of new trends in consumer behavior. The article is an empirical attempt on verification of interest and acceptance of global consumer trends actually present on the Polish market. The online survey was conducted in 2017 on a sample of 459 households. New observed phenomena is growth and changing structure in consumption, its greening, virtualization, responsible consumption, co-consumption, intelligent (“smart”) shopping, ethnocentrism and other.
Uwarunkowania zewnętrzne i wewnętrzne konsumpcji polskich gospodarstw domowych sprzyjają pojawieniu się nowych trendów w zachowaniach konsumentów. W artykule podjęto próbę empirycznej weryfikacji zainteresowania i akceptacji obecnych już na polskim rynku globalnych trendów konsumenckich. Badanie online przeprowadzono w 2017 r. na próbie 459 gospodarstw. Nowe zaobserwowane zjawiska w konsumpcji to jej wzrost i zmieniająca się struktura, ekologizacja, wirtualizacja, odpowiedzialna konsumpcja, współkonsumpcja, inteligentne („sprytne”) zakupy, etnocentryzm i inne.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2018, 52, 1
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Preferencje klientów związane z zakupami online
Autorzy:
Glińska, Ewa
Tomaszewska, Ewelina
Powiązania:
https://bibliotekanauki.pl/articles/610590.pdf
Data publikacji:
2017
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
online shopping
e-consumer
zakupy online
e-konsument
Opis:
Nowadays online shopping is becoming more popular among Polish consumers. The aim of the article is to establish the existence of statistically signifiant differences between certain aspects of the behaviour of consumers when shopping online and their age. The empirical base for the article comprises the material obtained as a result of a survey carried out on a sample of 597 people buying over the Internet.
Zakupy online stają się coraz bardziej popularne wśród polskich konsumentów. Niniejszy artykuł ma na celu wykazanie istnienia statystycznie istotnych różnic między wybranymi aspektami zachowań konsumentów podczas zakupów online a ich wiekiem. Bazę empiryczną opracowania stanowią wyniki badań diagnostycznych przeprowadzonych techniką CAWI na próbie 597 osób dokonujących zakupów przez Internet.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2017, 51, 2
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Created customer value by different trade formats of fast-moving consumer goods in Poland and Ukraine
Autorzy:
Sobczyk, Genowefa
Krykavskyy, Yevhen
Hlynskyy, Nazar
Powiązania:
https://bibliotekanauki.pl/articles/957565.pdf
Data publikacji:
2019
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
customer value
retail formats
fast-moving consumer goods
Opis:
Theoretical background: The main components of costumer value are the product, brand and image, personnel relationships and service activities, and offer availability. In retail, the important attributes of the products on sale are their range, price and terms of sale, relevant proximity and the benefit of obtaining, which includes spatial accessibility, emotional offer and time value. Modern trade solutions have created a wide range of opportunities for the client to facilitate access to the product offer through the introduction of various trading formats. The trade format should be understood as various concepts of retail outlet activity, which includes the formation of their infrastructure, immediate environment and the organisation of the sale of goods.Purpose of the article: The goal of the article is to classify the factors that create customer value using various formats of retail trade in consumer goods in the Ukrainian and Polish markets.Research methods: The following methods were used in this research: the abstract and logical method was used for generalising the theory and formulating conclusions; secondary research and survey were used for identifying the trends and patterns of efficiency in the studied factors; and the graphical method was used for visualising the results of the research.Main findings: In certain formats of sales points, the value for the customers is the breadth of the choice of goods and their quality, location and speed of purchase, the benefits arising from the level of prices and promotions, the service level and the general climate of the time offered by a store. The availability and possibility of goods choice has formed certain trends and customer habits among the buyers of consumer goods who are showing a preference for large purchases in hypermarkets and discount stores, supplementing purchases in specialised stores and only infrequently (in the Polish version) in markets/bazaars.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2019, 53, 2; 79-88
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Factors affecting car-sharing and participation in the sharing economy
Autorzy:
Szymkowiak, Andrzej
Żelichowska, Elżbieta
Powiązania:
https://bibliotekanauki.pl/articles/957566.pdf
Data publikacji:
2019
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
sharing economy
car-sharing
collaborative consumption
consumer behaviour
participation
Opis:
The dissemination of the idea of the sharing economy has created new opportunities in many areas of consumer life. A particular impact can be seen in the short-term rental and joint travel market. The popularity of online portals allowing shared car trips demonstrates that this is an area worth exploring. This research involved 275 respondents in order to identify the main factors conditioning the willingness to use these types of services. A confirmatory factor analysis confirmed the existence of three factors – savings, expectation and atmosphere – that determine the use of car-sharing. The article describes the entire procedure and estimates the fit of the model. Finally, limitations and recommendations for further research are provided.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2019, 53, 2; 99-108
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Assessment of consumer innovativeness - comparative research among consumers 60+ and the Y generation on the example of the smartphone
Autorzy:
Badowska, Sylwia
Powiązania:
https://bibliotekanauki.pl/articles/610221.pdf
Data publikacji:
2018
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
consumer innovativeness
generation Y
elderly consumers
consumers 60+
smartphone
Opis:
Celem artykułu było zaprezentowanie wyników badań własnych dotyczących porównania konsumenckiej innowacyjności wśród młodych i starszych konsumentów na przykładzie smartfona. Aby zweryfikować cel badań, przeprowadzono sondaż wśród przedstawicieli pokolenia Y i konsumentów w wieku 60+ na przełomie lat 2014-2016 r. przy zastosowaniu techniki PAPI. Wyniki sugerują, że poziom innowacyjności konsumenckiej wydaje się wyższy dla badanych młodych konsumentów niż konsumentów-seniorów. Zatem, chociaż innowacyjność konsumencka wydaje się cechą indywidualną i wrodzoną, wiek może wpływać na to zjawisko. Wyniki pokazują, że konstrukt innowacyjność konsumencka może być stosowana w procesie segmentacji i wydaje się być przydatny do opracowania strategii marketingowych innowacyjnych produktów technologicznych, które stają się coraz ważniejsze w koszyku konsumentów w każdym wieku.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2018, 52, 5
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The Impact of the COVID-19 Pandemic on the Consumer Credit Market in Eurozone Countries
Autorzy:
Puszer, Blandyna
Czech, Maria
Powiązania:
https://bibliotekanauki.pl/articles/2176720.pdf
Data publikacji:
2021
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
consumer credit market
household
COVID-19
pandemic
Eurozone countries
Opis:
Theoretical background: The problem of the impact of the pandemic on the consumer credit market in Eurozone countries is important both from a cognitive point of view and from the perspective of economic practice. The current state of knowledge on the consumer credit market situation in Eurozone countries is incomplete. It is more common to find works concentrating on the effect of the pandemic on the consumer credit regulations, on the banking sector, or on evaluation of the consumer credit market situation in selected Eurozone countries, selected European countries or Europe as a whole. As a result, many accounts of the impact of the pandemic on consumer credit can be found, but there are no studies presenting the situation of the consumer credit market in Eurozone countries during COVID-19 in a comprehensive and integrated manner, simultaneously combining theoretical aspects and research results.Purpose of the article: This study has two objectives. The main objective was to examine the impact of the COVID-19 pandemic on the value of consumer credit in Eurozone countries. The specific objective was to examine the dynamics and directions of changes in the value of consumer credit during the pandemic in the Eurozone. The study hypothesis is that COVID-19 has determined the amount of household consumer credit debt in Eurozone countries, but that the determinants of this debt and the direction and strength of their impact are diverse.Research methods: The achievement of the objectives and hypothesis verification was based on a critical analysis of source texts and on quantitative research, in which time series analysis and multiple linear regression analysis were used.Main findings: It has been proven that the pandemic has influenced the tendency of households to take out credit, as well as the propensity of banks to grant credit, and that it therefore has affected the behaviour of both borrowers and lenders. We also showed that in periods of increased COVID-19 transmission, there was a low propensity for using credit, while in periods of relative suppression of COVID-19 symptoms, this tendency increased. It also has been proven that COVID-19 has unevenly affected the value of loans across countries. A significant difference was observed in the strength of the impact of individual independent variables on the value of consumer credit in the Eurozone, as well as a different direction of correlation between the variables. Moreover, significant differences were found in the number of variables influencing the value of consumer loans in individual Eurozone countries.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2021, 55, 4; 49-71
0459-9586
2449-8513
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Wpływ globalizacji na zachowania konsumentów w województwie lubuskim w świetle badań
Autorzy:
Michałowska, Mariola
Danielak, Wiesław
Powiązania:
https://bibliotekanauki.pl/articles/609715.pdf
Data publikacji:
2015
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
globalization
consumer behavior
Lubuskie province
globalizacja
zachowania konsumentów
województwo lubuskie
Opis:
The development of market economy, the continuing process of globalization, technological progress, and rising living standards have created a kind of consumer culture in which people strive to best meet their needs. Undoubtedly, mass culture influences the development of consumer behavior, their preferences, lifestyle. Currently, there is no single common position on how purchasing decisions are determined by global trends, and to what extent they are the result of cultural conditioning. The main objective of the study was to identify and evaluate the effects of consumption on global trends in consumer behavior and an indication of the factors that are crucial in consumers’ purchasing decisions in Lubuskie province. In this study we have used an analysis of the literature and the results of a survey conducted among respondents in Lubuskie province.
Rozwój gospodarki wolnorynkowej, postępujący proces globalizacji, postęp techniczny i technologiczny, wzrost poziomu życia doprowadziły do wytworzenia pewnego rodzaju kultury konsumpcyjnej, w której człowiek dąży do jak najlepszego zaspokojenia swoich potrzeb. Niewątpliwie kultura masowa wpływa na kształtowanie zachowań konsumentów, na ich preferencje, styl życia. Aktualnie nie ma jednego wspólnego stanowiska dotyczącego na ile decyzje zakupowe determinowane są trendami globalnymi, a na ile wynikają z uwarunkowań kulturowych. Głównym celem opracowania było określenie i ocena skutków oddziaływania globalnych trendów konsumpcji na zachowania konsumentów, a także wskazanie czynników, które mają kluczowe znaczenie w decyzjach zakupowych konsumentów województwa lubuskiego. W opracowaniu wykorzystano analizę literatury oraz wyniki z przeprowadzonego badania ankietowego wśród respondentów w województwie lubuskim.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2015, 49, 3
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The zero waste concept from young consumers’ perspective. Does gender matter?
Autorzy:
Badowska, Sylwia
Delińska, Liwia
Powiązania:
https://bibliotekanauki.pl/articles/611149.pdf
Data publikacji:
2019
Wydawca:
Uniwersytet Marii Curie-Skłodowskiej. Wydawnictwo Uniwersytetu Marii Curie-Skłodowskiej
Tematy:
zero waste concept
consumer zero waste sensibility
sustainable consumption
young consumers
Opis:
Theoretical background: Sustainable development is a new widely desirable course in the economy of the 21st  century. Its goals can be met by consumers implementing a zero waste concept understood as a lifestyle that assumes the maximum reduction of household waste production.Purpose of the article: The paper sheds a light on consumer awareness of the zero waste concept among young people, who face a long consumption life, and identifis the gender role in the process of applying this concept in practice.Research methods: To achieve the research goal, a survey was carried out among consumers aged 19–24, and the original consumer zero waste sensibility scale was proposed and employed to obtain results.Main findings: The outcomes suggest that the zero waste concept is more widely known among women, who show a higher level of consumer zero waste sensibility than men.
Źródło:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia; 2019, 53, 1
0459-9586
Pojawia się w:
Annales Universitatis Mariae Curie-Skłodowska, sectio H – Oeconomia
Dostawca treści:
Biblioteka Nauki
Artykuł
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