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Economic Determinants of the Level of Loans Granted to Households

In: Country Experiences in Economic Development, Management and Entrepreneurship

Author

Listed:
  • Patrycja Kowalczyk-Rólczyńska

    (Wroclaw University of Economics)

Abstract

Loans to households, on the one hand, are an important source of financing of the household needs. On the other hand, they are a very important part of the banking loans portfolio. Depending on the aim of taking loans, loans are divided into three basic groups: housing loans, consumer loans, and other loans. Many factors (economics, demographic, financial, legal, and others) influence the development of the loans for households. The purpose of the article is to identify the economic factors which diversify the level of loans taken by households in selected European Union countries. To achieve the purpose of the article, the correlation analysis was applied to verify the statistical interdependences between the main economic indicators and the value of housing and consumer loans granted to households. The results of the study showed that only selected economic factors diversify the level of household loans. Typical macroeconomic factors turned out to be insignificant.

Suggested Citation

  • Patrycja Kowalczyk-Rólczyńska, 2017. "Economic Determinants of the Level of Loans Granted to Households," Eurasian Studies in Business and Economics, in: Mehmet Huseyin Bilgin & Hakan Danis & Ender Demir & Ugur Can (ed.), Country Experiences in Economic Development, Management and Entrepreneurship, pages 647-658, Springer.
    • Handle: RePEc:spr:eurchp:978-3-319-46319-3_40
    DOI: 10.1007/978-3-319-46319-3_40
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