Bitte verwenden Sie diesen Link, um diese Publikation zu zitieren, oder auf sie als Internetquelle zu verweisen: https://hdl.handle.net/10419/313458 
Erscheinungsjahr: 
2022
Quellenangabe: 
[Journal:] Journal of Banking and Financial Economics (JBFE) [ISSN:] 2353-6845 [Issue:] 17 [Year:] 2022 [Pages:] 98-113
Verlag: 
University of Warsaw, Faculty of Management, Warsaw
Zusammenfassung: 
This study aims to determine the role of financial literacy in households' borrowing intentions during the coronavirus pandemic. Employing a survey of 1,300 Polish citizens conducted during the COVID-19 crisis and an instrumental variable analysis, we found that financial literacy significantly increases households' borrowing intentions. This applies to financially sound consumers both in crisis and normal times. In terms of sociodemographic features, young adults and the less educated are less willing to borrow during the pandemic.
Schlagwörter: 
borrowing intentions
financial literacy
instrumental variables
quantile regression
JEL: 
D14
D91
G51
G53
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