2023-09-28 14:46:10 +00:00
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abstract: 'Objective: The objective of the article is to assess financial situation
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and debt repayments in households of self-employed individuals and
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compare them to these of other types of households. The article aims to
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identify the determinants of over-indebtedness.
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Research Design \& Methods: The study focuses on households of
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self-employed. The results are based on a nationwide CATI survey
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conducted among 1107 Polish indebted households. Theoretical models of
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the income distribution (log-logistic, Burr III) and the
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power-exponential model were used to achieve the research goals.
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Findings: The economic status of indebted households differentiates
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income and debt repayments distributions. Self-employed households have
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a better financial situation and greater inequalities than households of
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the paid employees and individuals sustaining themselves from other
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sources of income. The debt repayments of entrepreneurs are higher than
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in households of paid employees but lower than in other groups of
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households. The determinants of over-indebtedness are essentially
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similar regardless of the work status, but the impact of income, number
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of loans, and debt type on over-indebtedness is greater for
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self-employed households.
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Implications \& Recommendations: The results on the debt repayments
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distribution and determinants of over-indebtedness may be helpful in
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creating regulations that preventing household bankruptcies and policies
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aimed at combating social exclusion.
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Contribution \& Value Added: Introducing the issue of self-employment
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into the discussion on income and debt distribution and identifying the
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over-indebtedness among households of self-employed. To assess the debt
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repayments, we adopt theoretical income distributions and unique source
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of data on Polish households in debt.'
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affiliation: 'Walega, A (Corresponding Author), Cracow Univ Econ, Dept Stat, Ul Rakowicka
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27, PL-31510 Krakow, Poland.
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Walega, G (Corresponding Author), Cracow Univ Econ, Dept Microecon, Ul Rakowicka
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27, PL-31510 Krakow, Poland.
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Walega, Agnieszka, Cracow Univ Econ, Dept Stat, Coll Econ Finance \& Law, Krakow,
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Poland.
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Walega, Grzegorz, Cracow Univ Econ, Dept Microecon, Coll Econ Finance \& Law, Krakow,
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Poland.'
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author: Walega, Agnieszka and Walega, Grzegorz
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author-email: 'agnieskza.walega@uek.krakow.pl
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grzegorz.walega@uek.krakow.pl'
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author_list:
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- family: Walega
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given: Agnieszka
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- family: Walega
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given: Grzegorz
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da: '2023-09-28'
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doi: 10.15678/EBER.2021.090404
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eissn: 2353-8821
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files: []
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issn: 2353-883X
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journal: ENTREPRENEURIAL BUSINESS AND ECONOMICS REVIEW
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keywords: 'self-employed; household; over-indebtedness; income distribution; debt
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repayments'
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keywords-plus: ENTREPRENEURSHIP; INEQUALITY; CREDIT; WOMEN
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language: English
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month: DEC
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number: '4'
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number-of-cited-references: '67'
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orcid-numbers: 'Wałęga, Grzegorz/0000-0002-4355-5204
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Walega, Agnieszka/0000-0002-6386-0433'
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pages: 51-65
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papis_id: 525179a7f8eb1890652f9f2fff09c588
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ref: Walega2021selfemploymentoverin
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researcherid-numbers: 'Wałęga, Grzegorz/T-9206-2019
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'
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times-cited: '0'
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title: 'Self-employment and over-indebtedness in Poland: Modelling income and debt
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repayments distribution'
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2023-10-01 08:15:07 +00:00
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type: article
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2023-09-28 14:46:10 +00:00
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unique-id: WOS:000720992300003
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usage-count-last-180-days: '2'
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usage-count-since-2013: '8'
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volume: '9'
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web-of-science-categories: Economics
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year: '2021'
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