2023, Volume 16, Issue 3

Stały URI dla tej kolekcji

https://hdl.handle.net/20.500.13044/1521

Przeglądaj

Przeglądanie 2023, Volume 16, Issue 3 według Temat "bankowość"
  • Rekord
    Financial Literacy in India: A Review of Literature / Kompetencje finansowe w Indiach: przegląd literatury przedmiotu
    (Akademia Bialska im. Jana Pawła II, 2023-09-28) Rani, Mamta ; Siwach, Manoj
    The paper aims to understand various concepts and dimensions of financial literacy by using literature-based analysis. The reviews included various parameters, such as the financial literacy of young people, employees, women and college students, and the impact of financial literacy on well-being and investment decisions. Secondary information was gathered from many publications, websites, research papers, and articles. In the context of India, there is still much work to be done in the domain of financial literacy. Numerous studies have revealed low levels of financial literacy among India’s different demographic segments and some studies have revealed moderate levels. Financial literacy is a difficult topic to describe and quantify. The definition and measurement of this idea are the focus of numerous investigations. Policy changes must be made to improve financial literacy at both the fundamental and advanced levels so that people can save and invest money more sensibly in the various market opportunities.
  • Rekord
    WIBOR, WIRON, WIBID, POLONIA as reference rates for bank loans / WIBOR, WIRON, WIBID, POLONIA jako stawki referencyjne dla kredytów bankowych
    (Akademia Bialska im. Jana Pawła II, 2023-09-28) Król, Patryk
    The paper discusses issues connected with the use of selected indices (WIBOR, WIBID, WIRON, POLONIA) as benchmarks for bank loans. In the introduction, the author addresses the problem of manipulation of rates, which are characterized by the forecasting of interest rate values. The following part of the paper analyses the differences in benchmarks’ construction, describes their operation, methods of setting and use. It also outlines their behavior over time. Subsequently, issues relating to the application of WIBOR, WIBID, POLONIA, WIRON as benchmarks for consumer loans are presented. They have been compared to a sample bank offer based on a fixed interest rate. The final conclusions outline the possible effects of various benchmarks on borrowers, and compare the situation of the Polish banking offer for fixed-rate loans with other countries. The possible effects of new regulations in the context of the share of fixed-rate loans in the credit market are also described.