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Economic Exclusion as a Predictor of Cascade Exclusion: a Case Study of Loan companies in Poland

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dc.abstract.enThis paper discusses the results of two empirical research projects on consumer micro-loans in Poland recently conducted at the Institute of Applied Social Sciences (University of Warsaw) and the Institute of Justice. The text summarizes the main findings of both studies and focuses on their main common thread: the various dimensions of social exclusion among average consumers who enter the loan market. The text argues that individuals who take consumer loans usually experience financial exclusion, which in turn prevents them from obtaining the cheaper credit available from banks. At the same time, by entering the loan market individuals de facto exclude themselves from effective legal protection (from courts and administrative bodies), which should be provided as an element of the rule of law in a democratic state. Building on these premises, the concept of “cascade exclusion” is proposed as an analytical framework for theses on interrelated dimensions of exclusion.
dc.affiliationUniwersytet Warszawski
dc.contributor.authorJakubowska-Branicka, Iwona
dc.contributor.authorGrochowski, Mateusz
dc.date.accessioned2024-01-24T22:25:24Z
dc.date.available2024-01-24T22:25:24Z
dc.date.issued2019
dc.description.accesstimeAT_PUBLICATION
dc.description.financeNie dotyczy
dc.description.number4
dc.description.versionFINAL_PUBLISHED
dc.description.volume208
dc.identifier.issn1231-1413
dc.identifier.urihttps://repozytorium.uw.edu.pl//handle/item/105645
dc.identifier.weblinkhttps://cadmus.eui.eu/bitstream/handle/1814/65728/I_Jakubowska_Branicka_M_Grochowski_Economic_Exclusion.pdf?isAllowed=y&sequence=2
dc.languageeng
dc.pbn.affiliationsociology
dc.relation.ispartofPolish Sociological Review
dc.relation.pages459-476
dc.rightsCC-BY-NC
dc.sciencecloudnosend
dc.subject.ensocial exclusion, inequality, consumers, credit, law
dc.titleEconomic Exclusion as a Predictor of Cascade Exclusion: a Case Study of Loan companies in Poland
dc.typeJournalArticle
dspace.entity.typePublication