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Lejárt tartozások fogságában
[Overdue debt as a poverty trap]

Author

Listed:
  • Molnár, György
  • Berlinger, Edina
  • Dobránszky-Bartus, Katalin

Abstract

Mélyinterjúkkal és célzott kérdőíves felméréssel vizsgáltuk, hogyan hatnak a lejárt tartozások a munkavállalásra, a bankszámlahasználatra és az egészségi állapotra Magyarország egyik legelmaradottabb térségében, ahol még a Covid-válságot megelőző, prosperáló időszakban is sokan éltek pénzügyi kirekesztettségben. Azt találtuk, hogy a büntetőkamatokkal megnövelt, reménytelen nagyságúvá eszkalálódott tartozások miatt sokan arra rendezkedtek be, hogy bujkálnak a behajtás elől: nem vállalnak bejelentett munkát, nem nyitnak bankszámlát, és emiatt folyamatos stresszel kénytelenek együtt élni. A lejárt tartozások így egyfajta szegénységicsapda- mechanizmust hoznak létre, és számottevő jóléti veszteségeket okoznak egyéni és társadalmi szinten egyaránt. A döntéshozóknak nagyobb figyelmet kellene fordítaniuk a hitelciklusok tompítására, illetve a kialakult nemteljesítő adósságok rendezésére, különösen ebben a törékeny társadalmi csoportban.* Journal of Economic Literature (JEL) kód: G51, G53, I38.

Suggested Citation

  • Molnár, György & Berlinger, Edina & Dobránszky-Bartus, Katalin, 2021. "Lejárt tartozások fogságában [Overdue debt as a poverty trap]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(7), pages 709-735.
    • Handle: RePEc:ksa:szemle:1980
    DOI: 10.18414/KSZ.2021.7-8.709
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    References listed on IDEAS

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    More about this item

    JEL classification:

    • G51 - Financial Economics - - Household Finance - - - Household Savings, Borrowing, Debt, and Wealth
    • G53 - Financial Economics - - Household Finance - - - Financial Literacy
    • I38 - Health, Education, and Welfare - - Welfare, Well-Being, and Poverty - - - Government Programs; Provision and Effects of Welfare Programs

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