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