| dc.contributor.author | Wechta, Przemysław | |
| dc.contributor.editor | Urbanek, Piotr | |
| dc.date.accessioned | 2016-06-21T08:59:13Z | |
| dc.date.available | 2016-06-21T08:59:13Z | |
| dc.date.issued | 2016 | |
| dc.identifier.citation | P. Wechta, Reduction in the level of risk consciousness among mortgagors, [in:] Economy Today. An Interdisciplinary Approach to Contemporary Economic Challenges, ed. P. Urbanek, Ser. “Economy”, Wydawnictwo Uniwersytetu Łódzkiego, Łódź 2016, p. 187–205. | pl_PL |
| dc.identifier.isbn | 978-83-8088-012-2 | |
| dc.identifier.uri | http://hdl.handle.net/11089/18467 | |
| dc.description | The book fits into a multidisciplinary research approach. The articles are the result of research conducted by eminent international economists, authors representing academic centres in different countries. The articles address current phenomena observed in the global economy. The authors do not aspire to comprehensively explain all the very complex and multi-dimensional economic developments, but illustrate many of these phenomena in an original way. The multi-threaded and multi-dimensional nature of the discussion in particular articles deserves attention. These include theoretical and methodological articles as well as the results of empirical research presented by the authors. The book is addressed to those persons interested in issues of economics, finance, regional economy, and the management sciences. It can be valuable for economic practitioners, members of management and supervisory boards of companies, and financial analysts, and the articles may also be useful for academicians and students. | pl_PL |
| dc.description.abstract | The aim of this article is to analyse risk reduction mechanisms
that are used by mortgagors. Two basic types of mortgage borrowers
were identified: those with low creditworthiness and those with
high creditworthiness. A qualitative method was used in the study
based on in-depth interviews that were conducted with 20 mortgagors,
which made it possible to provide a typologically representative
picture of the risk reduction mechanisms used by this group. Finally,
two strategies were identified, i.e. the imitation strategy and the professionalization
strategy, as well as two effects that are also aimed at
reducing the risk. | pl_PL |
| dc.language.iso | en | pl_PL |
| dc.publisher | Wydawnictwo Uniwersytetu Łódzkiego | pl_PL |
| dc.relation.ispartof | “Economy Today. An Interdisciplinary Approach to Contemporary Economic Challenges”, ed. P. Urbanek, Ser. “Economy”, Wydawnictwo Uniwersytetu Łódzkiego, Łódź 2016; | |
| dc.title | Reduction in the level of risk consciousness among mortgagors | pl_PL |
| dc.type | Book chapter | pl_PL |
| dc.rights.holder | © Copyright by Przemysław Wechta, Łódź 2016; © Copyright for this edition by Uniwersytet Łódzki, Łódź 2016 | pl_PL |
| dc.page.number | [187]–205 | pl_PL |
| dc.contributor.authorAffiliation | Institute of Sociology, Department of Social Sciences, A. Mickiewicz University in Poznań. | pl_PL |
| dc.identifier.eisbn | 978-83-8088-013-9 | |
| dc.references | Bergstresser D., Beshears J. (2010), Who Selected Adjustable-Rate Mortgages? Evidence from the 1989–2007 Surveys of Consumer Finance, Harvard Business School Working Paper, No. 10–083. | pl_PL |
| dc.references | Łaszek J., Augustyniak H., Olszewski K., Widłak M., Gajewski K. (2014), Informacja o cenach mieszkań i sytuacji na rynku nieruchomości mieszkaniowych i komercyjnych w Polsce w III kwartale 2013 roku, Biuro Polityki Makrostabilnościowej, Instytut Ekonomiczny NBP, Warszawa. | pl_PL |
| dc.references | Keynes J.M. (2003), Ogólna teoria zatrudnienia, procentu i pieniądza, Wydawnictwo Naukowe PWN, Warszawa. | pl_PL |
| dc.references | Kozyr-Kowalski S. (1999), Socjologia, społeczeństwo obywatelskie i państwo, Wydawnictwo Naukowe UAM, Poznań. | pl_PL |
| dc.references | Kozyr-Kowalski S. (2001), Świadomość społeczna, uczłowieczenie i ubytowienie wiedzy, (in:) Z. Stachowski (ed.), Człowiek i kultury. Liber amicorum. Studia poświęcone Profesorowi Mirosławowi Nowaczykowi, Polskie Towarzystwo Religioznawcze, Wyższa Szkoła Społeczno-Gospodarcza, Warszawa–Tyczyn. | pl_PL |
| dc.references | Moench E., Vickery J., Aragon D. (2010), Why Is the Market Share of Adjustable- Rate Mortgage So Law?, Federal Bank of New York Current Issue in Economics and Finance, New York, No. 8. | pl_PL |
| dc.identifier.doi | 10.18778/8088-012-2.11 | |
