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Article
Publication date: 4 June 2024

Piotr Bialowolski, Ryszard Kowalski, Agnieszka Wałęga and Grzegorz Wałęga

The study aims to explore the discrepancy between the subjective and objective debt burdens across various household socio-demographic and debt characteristics. Additionally, it…

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Abstract

Purpose

The study aims to explore the discrepancy between the subjective and objective debt burdens across various household socio-demographic and debt characteristics. Additionally, it seeks to establish an optimal debt service-to-income ratio (DSTI) threshold for identifying over-indebtedness.

Design/methodology/approach

This study utilized a sample of 1,004 respondents from a nationwide survey conducted among Polish indebted households. A discrepancy ratio (DR) measure was proposed to evaluate the divergence between subjective and objective over-indebtedness. Binary logistic regression was employed to estimate the probability of being subjectively and objectively over-indebted, as well as the discrepancy between the two measures of over-indebtedness. The study also employed numerical simulations to determine the optimal DSTI threshold for identifying over-indebted households in general and based on their socio-economic characteristics.

Findings

The study established a debt service-to-income ratio (DSTI) threshold of 20% to minimize the discrepancy between subjective and objective debt burden, which is lower than thresholds found in other studies aimed at identifying over-indebted households. Age, number of loans, self-perceived needs satisfaction and type of debt were identified as significant socio-economic and debt-related determinants of over-indebtedness. Household socio-economic and debt-related characteristics significantly influence the threshold for identifying over-indebtedness using DSTI. It can vary widely, ranging from as low as 11% for well-educated women with multiple loan commitments to 43.7% for young males with vocational education, high incomes and originating from households with four or more members.

Originality/value

The paper proposes a more comprehensive approach to debt burden analysis by introducing a new methodology for determining a debt service-to-income (DSTI) threshold that could serve as a measure of over-indebtedness based on the discrepancy between subjective and objective over-indebtedness. It also emphasizes the significance of socio-economic and debt-related factors in evaluating subjective and objective over-indebtedness.

Details

International Journal of Bank Marketing, vol. 42 no. 7
Type: Research Article
ISSN: 0265-2323

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Article
Publication date: 5 January 2015

Agnieszka Zur and Agnieszka Walega

The purpose of this paper is to examine the relationship between routine communication practices and corporate entrepreneurship (CE). Drawing upon CE theory and neo-bureaucratic…

995

Abstract

Purpose

The purpose of this paper is to examine the relationship between routine communication practices and corporate entrepreneurship (CE). Drawing upon CE theory and neo-bureaucratic theory, the paper provides insight into all the directions of routine corporate communication and their potential influence on CE.

Design/methodology/approach

The paper reviews past and current literature from which hypothesis are developed. Applying the competing values framework and data from 64 Polish manufacturing firms, we used multiple power regression to test the hypothesized relationships.

Findings

The study provides evidence for a positive relationship between routine communication practices and CE. The analysis reveals different levels of influence of various communication aspects on CE.

Practical implications

Many organizations’ common objective of their redesign efforts is to get rid of the bureaucratic features of the organization. This study suggests that the challenge is to reconfigure certain routine processes and formal requirements within the organization to better suit CE purposes. The paper specifies which routine communication practices can significantly impact CE.

Originality/value

Very few prior voices articulate the need of routine practices study in CE research. This paper extends CE theory by providing a new perspective on CE factors and opening new avenues for further research.

Details

Baltic Journal of Management, vol. 10 no. 1
Type: Research Article
ISSN: 1746-5265

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