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Debt Literacy and Debt Literacy Self‐Assessment: The Case of Poland

cris.lastimport.scopus2024-09-17T01:30:52Z
dc.abstract.enIt is well documented that financial literacy is at best moderate around the world and that the cost of ignorance in this field may be high on both microeconomic and macroeconomic levels. We surveyed a representative sample of Poles to measure their debt literacy—a little‐studied aspect of financial literacy—and therefore obtain insight into the factors predicting it. Our study evidenced low levels of debt literacy and its overestimation by respondents in their self‐reports. We also confirmed some of the patterns found in former studies, including the gender gap and a positive relationship between the level of educational attainment and debt literacy. Finally, our examination provides compelling outcomes with regard to the segmentation of the sample on the basis of objective and subjective debt literacy scores. They show large heterogeneity of debt literacy and thus confirm the need for far‐reaching customization of debt‐oriented education.
dc.affiliationAdministracji i Nauk Społecznych
dc.contributor.authorAndrzej Cwynar
dc.contributor.authorWiktor Cwynar
dc.contributor.authorKamil Wais
dc.date.accessioned2024-07-09T11:24:29Z
dc.date.available2024-07-09T11:24:29Z
dc.date.issued2018
dc.identifier.doi10.1111/joca.12190
dc.identifier.issn0022-0078
dc.identifier.issn1745-6606
dc.identifier.urihttps://repo.akademiawsei.eu/handle/item/428
dc.languageen
dc.pbn.affiliationeconomics and finance
dc.relation.ispartofJournal of Consumer Affairs
dc.rightsCC-BY-NC-ND
dc.subject.endebt
dc.subject.endebt literacy
dc.subject.enself-assessment
dc.subject.encase
dc.subject.enpoland
dc.titleDebt Literacy and Debt Literacy Self‐Assessment: The Case of Poland
dc.typeReviewArticle
dspace.entity.typePublication
oaire.citation.issue1
oaire.citation.volume53