Rolnicy i przedsiębiorcy – indywidualne działanie i dwie drogi rozwoju

Szczygieł, Elżbieta; Piecuch, Teresa

doi:10.15584/nsawg.2018.2.33

Cited by 2 publications

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“…The factors that determine the retirement savings of self-employed persons are examined much less frequently than in the case of households (Ramnath et al, 2017;Parker et al, 2007;Bednarczyk et al, 2021). Here, as well, the basic category of factors which in empirical research turned out to be statistically significant for retirement savings were demographic factors, such as: age, family status, place of residence of the selfemployed (DeVaney et al, 1997;DeVaney et al, 1998;Szczygieł et al, 2018;Krupa et al, 2016). Investment decisions also have a significant impact on the propensity to accumulate retirement savings by individual entrepreneurs, because most of their financial and tangible assets (real estate) are also assets of their enterprise.…”

Section: Review Of the Literature On The Factors Influencing The Savi...mentioning

confidence: 99%

Life insurance with insurance capital funds as a form retirement savings: Determinants for the self-employed

Bednarczyk,

Szymańska,

Ostrowska-Dankiewicz

et al. 2023

Journal of International Studies

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Reduction of the public pension system generosity should encourage all future retirees to accumulate private retirement savings. They have many options in this area, both dedicated pension programs (pension pillars), and a whole range of financial market investment instruments (non-pillar solutions). The main objective of the paper was the empirical identification of factors that determine the level and propensity to save in the form of life insurance with insurance capital funds for retirement purposes by self-employed persons in Poland. The microeconomic perspective of considerations was adopted in the research process. On the basis of a review of economic literature, a set of individual characteristics that affect savings decisions of natural persons was distinguished, then an attempt was made to find out whether the same groups of factors also determined the individual decisions of self-employed persons regarding saving for retirement in the form of insurance capital funds. The following research hypothesis was verified: Ownership of retirement savings in the form of life insurance with insurance capital funds by self-employed natural persons in Poland is determined both by social and economic factors, and the impact of these factors varies. The empirical study showed that the accumulation of retirement savings by self-employed persons in the form of life insurance with insurance capital funds was the least important way to supplement the future pension from the public pillar. Self-employed persons are characterized by a relatively high propensity to save for retirement (higher than the average propensity to save in Poland), prefer non-pillar forms of collecting voluntary savings for retirement, primarily in the form of real estate. The strength of the social and economic factors varies.

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Section: Review Of the Literature On The Factors Influencing The Savi...mentioning

confidence: 99%

Life insurance with insurance capital funds as a form retirement savings: Determinants for the self-employed

Bednarczyk,

Szymańska,

Ostrowska-Dankiewicz

et al. 2023

Journal of International Studies

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Towards Inclusive Economy - Necessity or Choice in the Context of the Material Situation of People With Disabilities

Szczygieł

Piecuch

Lozinsky

2019

HSS

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This article analyses the material situation of households of disabled people in an inclusive economy. It presents the results of the study based on statistical data from the households` budget survey conducted by Statistics Poland. The article compares the material situation of households in which disabled people live with the situation of households without disabled people, with an emphasis on the importance of economic inclusion as a condition factor of their situation's improvement. The study tested three research hypotheses: 1) achievement of higher income by households without disabled people; 2) higher levels of hypothetical incomes as just as useful by households of disabled people who run a business compared to disabled people who do not carry out such activities); 3) a higher risk of poverty by households with disabilities. The findings supported the hypotheses concerning differences in the material situation of the surveyed households.

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Rolnicy i przedsiębiorcy – indywidualne działanie i dwie drogi rozwoju

Cited by 2 publications

References 0 publications

Life insurance with insurance capital funds as a form retirement savings: Determinants for the self-employed

Life insurance with insurance capital funds as a form retirement savings: Determinants for the self-employed

Towards Inclusive Economy - Necessity or Choice in the Context of the Material Situation of People With Disabilities

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