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Tytuł:
Determinanty generowania kredytów gospodarczych w okresie pokryzysowym na przykładzie polskiego sektora banków spółdzielczych
Autorzy:
Kil, Krzysztof
Miklaszewska, Ewa
Powiązania:
https://bibliotekanauki.pl/articles/630019.pdf
Data publikacji:
2015
Wydawca:
Szkoła Główna Handlowa w Warszawie
Tematy:
cooperative banks, corporate loans, SMEs loans
Opis:
The post-crisis period stressed the role of small, local banks in corporatelending, particularly for SME, due to such their advantages as being based onrelationship banking and extensive knowledge of local market. However, it isstill unclear whether it is a short or long-term advantage. The aim of this paper isto analyze the factors affecting the size and quality of the loan portfolios of thePolish cooperative banks. In the empirical part, the study is based on statisticaldata and panel research, based on individual balance sheet data for the banksaffiliated to the BPS SA. The results confirm that the role of cooperative banksin lending to businesses increases, but also pointed to internal diversity of thesector in this area: growth in loans to the corporate sector was particularly strongfor large banks with strong capital, but also resulted in their declining safety andincreasing bad loans portfolio.
Źródło:
Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace; 2015, 3, 2; 143-160
2082-0976
Pojawia się w:
Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Kredyty hipoteczne w Polsce w kontekście stabilności finansowej i makroekonomicznej
Mortgage credits in Poland in the context of financial and macroeconomic stability
Autorzy:
Kata, Ryszard
Powiązania:
https://bibliotekanauki.pl/articles/447125.pdf
Data publikacji:
2015
Wydawca:
Mazowiecka Uczelnia Publiczna w Płocku
Tematy:
mortgages
housing loans market
currency loans
banks
Opis:
The dynamic development of the housing loans market in Poland in years 2001-2014 is important for the financial stability of the banking sector and macroeconomic stability. In this context, are important such characteristics of the mortgage portfolio as: monetary and temporal structure of loans, the conditions on which loans, the security level value of residental real estate loans, the criteria for verifying the creditworthiness of customers. Important is also fact that long-term mortgages were financed using short-term deposits. These features of the housing loan portfolio in Poland create many threats to financial and macroeconomic stability.
Źródło:
Zeszyty Naukowe PWSZ w Płocku. Nauki Ekonomiczne; 2015, 2(22); 183-196
1644-888X
Pojawia się w:
Zeszyty Naukowe PWSZ w Płocku. Nauki Ekonomiczne
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
The impact of COVID-19 pandemic on credit financing of microenterprises and farmer business activity in Poland
Autorzy:
Wielechowski, Michał
Zając, Adam
Czech, Katarzyna
Powiązania:
https://bibliotekanauki.pl/articles/1969124.pdf
Data publikacji:
2021-12-22
Wydawca:
Wyższa Szkoła Gospodarki Euroregionalnej im. Alcide De Gasperi w Józefowie
Tematy:
COVID-19 pandemic
microenterprises
farmers
investment loans
working capital loans
loan enquiries
non-performing loans
Opis:
Our study shows that the novel coronavirus pandemic has significantly affected the banking loan market for microenterprises and farmers. We observe a decrease in granted loans and loan enquiries and an increase in the share of non-performing loans. Our research might be useful for the Polish national government, financial institutions, banks, and entrepreneurs.
Źródło:
Journal of Modern Science; 2021, 47, 2; 475-496
1734-2031
Pojawia się w:
Journal of Modern Science
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Activity of Microfinance Institutions in the Period of the Global Financial Crisis
Autorzy:
Galiński, Paweł
Powiązania:
https://bibliotekanauki.pl/articles/517234.pdf
Data publikacji:
2013
Wydawca:
Instytut Badań Gospodarczych
Tematy:
microfinance institutions
loans
deposits
Opis:
The article examines the models of microfinance institutions (MFIs) and some alterations in this field. The regional distribution of MFIs has been shown, as well as their main ties with the real economy against a background of commercial banks. The study also provide some findings on the influence of the financial crisis, which erupted in the late 2007, on the microfinance sector. Therefore, the author analyzed the literature and quantitative data in order to determine these relation-ships.
Źródło:
Equilibrium. Quarterly Journal of Economics and Economic Policy; 2013, 8, 1
1689-765X
2353-3293
Pojawia się w:
Equilibrium. Quarterly Journal of Economics and Economic Policy
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Finansowanie nieruchomości za pomocą kredytu bankowego wobec braku stabilności finansowej a problem bezpieczeństwa konsumenta
Real Estate Financing by a Bank Loan in Times of Financial Instability and the Problem of Consumer Safety
Autorzy:
Czechowska, Iwona Dorota
Powiązania:
https://bibliotekanauki.pl/articles/964222.pdf
Data publikacji:
2010-05-15
Wydawca:
Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
Tematy:
consumer
bank
mortgage loans
Opis:
The access of Poland to the EU caused the creation of the consumer protection system which consists of legal controls and different institutions such as e.g. UOKiK, BA, RZu. The aim of the study is to show problem of protection of bank services market consumer. The range of bank services is limited here to mortgage loans. Changes on the mortgage loan market in Poland during 2005–2008 are analysed in this work. The crisis on financial markets and its consequences have also been considered. The author presents the bank actions in the face of consumers during the crisis and the possibilities of the solving the disputes with dissatisfied consumers.
Źródło:
Annales. Etyka w Życiu Gospodarczym; 2010, 13, 1
1899-2226
2353-4869
Pojawia się w:
Annales. Etyka w Życiu Gospodarczym
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
"Credit Holidays" - Origins and Cost-effectiveness Analysis of Use by Eligible Borrowers Using Selected Examples
Autorzy:
Borys, Marcin
Powiązania:
https://bibliotekanauki.pl/articles/36478926.pdf
Data publikacji:
2023
Wydawca:
Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
Tematy:
mortgage loans
credit holidays
residential property market
housing loans market
interest rates
Opis:
The occurrence of negative phenomena over the past two years: the Covid-19 pandemic, the temporary disruption of supply chains, the war in Ukraine and the energy crisis has affected many aspects of the global economy, including the rise in inflation and interest rates. All borrowers, including more than two million households in Poland repaying home loans, have been affected by these changes - most notably visible in the dynamic increase in lending rates. In order to help borrowers repay the instalments of such loans granted in zloty, the Legislator introduced legislation in July 2022 allowing for the use of „credit holidays”. The purpose of this article is to present the results of a study carried out on the basis of sample home loans - the impact of the introduction of „credit holidays” on the level of loan principal and instalments, assuming that all the money saved from the suspension of instalments is used to overpay the loan.
Źródło:
Finanse i Prawo Finansowe; 2023, 2, 38; 23-43
2391-6478
2353-5601
Pojawia się w:
Finanse i Prawo Finansowe
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Language Contact in the Semantic Field of Computers and the Internet: The Newest English Lexical Loans in Polish
Autorzy:
Zabawa, Marcin
Powiązania:
https://bibliotekanauki.pl/articles/504742.pdf
Data publikacji:
2014
Wydawca:
Komisja Nauk Filologicznych Polskiej Akademii Nauk, Oddział we Wrocławiu
Tematy:
lexical loans
semantic loans
loan translations
corpus studies
computing terminology
Internet terminology
Opis:
Nowadays more and more people are using computers and the Internet; consequently, they are continually in touch with computing terminology. The study and analysis of such terminology thus seems very important not only from the point of view of a linguist, but from one of an average computer user as well. Polish language for computers and the Internet is in a state of constant change today: new terms, mostly borrowed from English, enter the language all the time. The aim of the present paper is to analyze the origin of the newest lexical borrowings of English, many of which have not been noted in the dictionaries and/or discussed in the literature on the subject, used in Polish language for computers and the Internet. Special attention will be devoted to the morphology of such loans; among other things, special morphological processes will be discussed, such as the formation of diminutives of computer terms. The research is based on a corpus, collected and analyzed by the author of the study. The corpus comprises of texts taken from various Internet message boards devoted to computers and the Internet.
Źródło:
Academic Journal of Modern Philology; 2014, 3; 127-136
2299-7164
2353-3218
Pojawia się w:
Academic Journal of Modern Philology
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Instytucja pożyczkodawcy ostatniej instancji - na przykładzie Międzynarodowego Funduszu Walutowego
Autorzy:
Frankiewicz, Damian
Powiązania:
https://bibliotekanauki.pl/articles/630191.pdf
Data publikacji:
2016
Wydawca:
Szkoła Główna Handlowa w Warszawie
Tematy:
Financial crisis, Financial instruments, Loans
Opis:
A global lender of last resort is an institution that plays a significant role in an international financial system. It was clearly brought into the limelight by the recent financial crisis. The existence of this institution is strongly justified by the volume and volatility of global capital flows, the increasing financial and economic interlinkages between the countries, as well as the consequent possibility of the spill over effects. The article argues that the International Monetary Fund appears to be the only international financial institution capable of acting as a global lender of last resort and thus ensuring stability of the international financial system. The IMF has proven useful in providing liquidity support to countries struggling with financial dificulties in recent years. It is equipped with adequate financial resources, lending facilities tailored to address the specific circumstances of its members, highly qualified staff and the coordination capacities at the international level, which are indispensable to forestall the crisis in the global economy
Źródło:
Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace; 2016, 4; 167-184
2082-0976
Pojawia się w:
Kwartalnik Kolegium Ekonomiczno-Społecznego Studia i Prace
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Interwencja legislacyjna jako propozycja rozwiązania problemu tzw. kredytów frankowych: wybrane aspekty teoretyczne i praktyczne
Legislative intervention as a proposal to solve the problem of CHF loans in Poland: selected theoretical and practical aspects
Autorzy:
Koźmiński, Krzysztof
Jabłoński, Michał
Powiązania:
https://bibliotekanauki.pl/articles/31339089.pdf
Data publikacji:
2022
Wydawca:
Uniwersytet Szczeciński. Wydawnictwo Naukowe Uniwersytetu Szczecińskiego
Tematy:
indexed loans
denominated loans
Swiss francs
Swiss franc loans
legislative intervention
legislation
kredyty indeksowane
kredyty denominowane
frank szwajcarski
kredyty frankowe
interwencja legislacyjna
legislacja
Opis:
W artykule zaprezentowano przeszkody i trudności, przed którymi stanie polski ustawodawca, regulując materię kredytów indeksowanych/denominowanych do franka szwajcarskiego. Celem opracowania jest udzielenie odpowiedzi na pytania dotyczące prawnej oraz społeczno-ekonomicznej zasadności takiej władczej ingerencji w kredytowe stosunki kontraktowe. Stosując metodę formalno-dogmatyczną, a także mając na uwadze teoretycznoprawne wnioski dotyczące legisprudencji, ustalono, że ewentualna interwencja legislacyjna może spotkać się z oporem społecznym, trudnościami w zakresie techniki legislacyjnej oraz spowodować negatywne skutki gospodarcze.
The article present the obstacles and difficulties that the Polish legislator will face when regulating the matter of CHF loans indexed/denominated. The aim of the study is to provide answers to questions regarding the legal and socio-economic justification of such imperious interference in credit contractual relations. By applying the formal-dogmatic method, and taking into account the theoretical and legal conclusions regarding legisprudence, it was established that any possible legislative intervention may meet with social resistance, difficulties in the field of legislative technique and cause negative economic effects.
Źródło:
Acta Iuris Stetinensis; 2022, 38; 141-157
2083-4373
2545-3181
Pojawia się w:
Acta Iuris Stetinensis
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Arabic grammatical loans in contemporary swahili prose texts
Autorzy:
Baldi, Sergio
Toscano, Maddalena
Powiązania:
https://bibliotekanauki.pl/articles/969766.pdf
Data publikacji:
2015-12-10
Wydawca:
Uniwersytet Warszawski. Wydział Orientalistyczny. Katedra Języków i Kultur Afryki
Tematy:
Swahili language
Arabic language
language loans
Opis:
The presence of Arabic loans in Swahili has not become subject of reliable corpus-based analyses so far. The in-fluence of Arabic language on Swahili can be investigated in literary sources, but reference to whether writers are Muslims or not is essential for their differentiation. This article intends to investigate the presence of Arabic in contemporary prose texts written by Tanzanian authors from Zanzibar and from mainland. The electronic corpus has two sets, Tanzanian cor-pus and Zanzibarian corpus respectively which are almost equal in size. The reference list of Arabic loans has been ex-tracted from two published sources. Using Concordance, a concordance software for text analysis, the frequency of words representing grammatical classes is tested. Differences in the two corpora have been indicated, as well as some shared occurrences of items of Arabic origin (mostly adverbs and conjunctions).
Źródło:
Studies in African Languages and Cultures; 2015, 49; 5-51
2545-2134
2657-4187
Pojawia się w:
Studies in African Languages and Cultures
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Risk Assessment of unsecured loans – example of entering a new market
Autorzy:
Pickert, Jens
Powiązania:
https://bibliotekanauki.pl/articles/14500602.pdf
Data publikacji:
2017-11-22
Wydawca:
Wyższa Szkoła Bankowa we Wrocławiu
Tematy:
unsecured loans
scoring models
risk assessment
Opis:
Objective: The objective of the paper is to show the risk assessment of unsecured loans in theory and practise. Research Design & Methods: In the first part, the paper makes a literature review with regard to the theory unsecured loans and their risk assessment. In the second part, a case study discusses the risk assessment process as a practical application in the hypothetical case if a Swedish bank enters the German market. Findings: The risk assessment of unsecured loans is a standardized process there scoring models make a crucial contribution. This case study shows how difficult that process is in the event of cross-border activities, for example, a bank enters a new market in a new country. Implications & Recommendations: Assessing applicants on a new market is challenging due to the effect of asymmetric information. The problem can be solved by information sharing and by using the experiences from the existing portfolio. Based on that the bank can create an appropriate scorecard. Contribution & Value Added: The paper contributes to existing literature on risk assessment by applying scoring models to the case of cross-border activities. Article type: base on in-depth analysis of literature review
Źródło:
Central European Review of Economics and Management; 2017, 1, 3; 45-65
2543-9472
Pojawia się w:
Central European Review of Economics and Management
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
From Crisis to Success
Od kryzysu do sukcesu
Autorzy:
Sedláková, Iveta
Powiązania:
https://bibliotekanauki.pl/articles/547901.pdf
Data publikacji:
2015
Wydawca:
Uniwersytet Rzeszowski. Wydawnictwo Uniwersytetu Rzeszowskiego
Tematy:
competition
bankruptcy
failed loans
prediction models
Opis:
To identify impending threats to the enterprise as well as the financial soundness of a company, professional theory recommends using one of the many methods – the method of balance sheet II analysis. After the outbreak of the global economic and financial crisis, however the bankruptcy predictive model ceased to be trusted in business circles, as in many cases it did not proveitself. On a sample of bankrupt as well as successful public limited companies listed in Business Journal it is possible to test the statistical percentage of the model and to confirm its further use in practice.
W celu oceny kondycji finansowej przedsiębiorstwa, w tym zidentyfikowania zagrożenia ryzykiem bankructwa przedsiębiorstwa, teoria rekomenduje wykorzystanie jednej z wielu metod analizy bilansu – metodę analizy bilansu II. Kryzys gospodarczy i finansowy spowodował, że modele przewidywania upadłości przedsiębiorstw po tym, jak w wielu przypadkach nie sprawdziły się, straciły swoje zaufanie w kręgach biznesowych. Przetestowanie modelu, w celu oceny jego dalszej przydatności w praktyce, jest możliwe na próbie przedsiębiorstw ujętych na liście Business Journal obejmującej realnie upadłe spółki, jak i te w dobrej kondycji finansowej.
Źródło:
Nierówności Społeczne a Wzrost Gospodarczy; 2015, 44 cz. 2; 215-222
1898-5084
2658-0780
Pojawia się w:
Nierówności Społeczne a Wzrost Gospodarczy
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
HOUSING MARKETS IN SELECTED EUROPEAN COUNTRIES AND THE USA
Autorzy:
Gostkowska-Drzewicka, Magdalena
Powiązania:
https://bibliotekanauki.pl/articles/599628.pdf
Data publikacji:
2012
Wydawca:
Wyższa Szkoła Informatyki i Zarządzania z siedzibą w Rzeszowie
Tematy:
real estate market
dwellings
mortgage loans
Opis:
The aim of this article is to present the changes taking place in housing markets in selected European countries and in the USA. The basic research period covers the years 1998-2009. However, wherever availability of data allowed so, we covered with our research also the years 1963-2010. The development of domestic housing markets is determined both by specific features of local markets and by macroeconomic factors influencing the economic situation. The availability of capital to finance investment is of primary importance for the changes taking place in housing markets. This factor can be expressed by the volume of mortgage debt related to GDP and inflation and the level of interest rates on mortgage loans. The evaluation of the changes occurring in domestic housing markets was based on the identification of such structural characteristics as: the volume of the housing stock, the number of ready-to-use flats, the number of issued building permits, the indices of housing prices, and the number of transactions concerning purchase of flats or houses.
Źródło:
Finansowy Kwartalnik Internetowy e-Finanse; 2012, 8, 1; 23-37
1734-039X
Pojawia się w:
Finansowy Kwartalnik Internetowy e-Finanse
Dostawca treści:
Biblioteka Nauki
Artykuł
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:
Polish loanwords in English revisited
Autorzy:
Dylewski, Radosław
Witt, Zuzanna
Powiązania:
https://bibliotekanauki.pl/articles/2054309.pdf
Data publikacji:
2021
Wydawca:
Polska Akademia Nauk. Czytelnia Czasopism PAN
Tematy:
loanwords
borrowings
Polish loans in English
Opis:
The impact of the Polish language on the English lexical fabric, although unimpressive, is worth noticing. However, thus far it has not been a source of interest of many scholars. The present paper aims at discussing Polish loanwords that have found their way into the English language; this is done by means of collecting alleged loanwords from an array of sources (dictionaries, subject literature, and the Internet) which are later verified against, inter alia, such etymological dictionaries as the Oxford English Dictionary. Next, in order to assess their scale of use, selected items are checked in a number of corpora available online. The research concludes that there are 33 direct borrowings from the Polish language (belonging to 8 semantic categories) present in English, and nearly half of them are yet unattested in the OED.
Źródło:
Linguistica Silesiana; 2021, 42; 125-151
0208-4228
Pojawia się w:
Linguistica Silesiana
Dostawca treści:
Biblioteka Nauki
Artykuł
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