Search results for "Debt"

Überschuldung und Zuzahlungen im deutschen Gesundheitssystem – Benachteiligung bei Ausgabenarmut

2009

Aim of the study In the past few years, the number of over-indebted private households in Germany has steadily increased and is currently estimated to have reached 3.13 million. Financial difficulties culminating in private insolvencies of the persons concerned may lead to a restrained usage of health-care services that require additional payment. For the first time ever this study has examined whether over-indebted individuals refrain from seeking medical treatment or from buying prescribed medicine because of their financial situation. Methods The cross-sectional study covered over-indebted persons in Rhineland-Palatinate and was conducted between July 2006 and March 2007. In cooperation …

Psychische Erkrankung und Überschuldung

2009

In Germany, over-indebtedness of private households has been steadily increasing and is currently estimated to affect about 3 million private households. It is almost unknown in the German-speaking part, to what extent financial strain due to excessive debts is accompanied by mental health problems in affected persons. A cross-sectional study including over-indebted persons was conducted between July 2006 and March 2007 in Rhineland-Palatinate by an anonymously filled-in questionnaire of clients of debt counselling services. Altogether 666 persons (51% women) aged between 18-79 years took part (participation rate: 35.5%). 40% of the collective reported a current mental disorder. Especially …

Self-reported sleep duration and cognitive functioning in the general population

2009

This study investigated the relationship between self-reported sleep factors (sleep duration, insomnia, use of sleeping medicine, probable sleep apnoea and feelings of fatigue and tiredness) with cognitive functioning in 5177 people aged 30 years or older from a cross-sectional representative sample of the adult population in Finland (The Finnish Health 2000 Survey). Previous studies have indicated a U-shaped association between increased health risks and sleep duration; we hypothesized a U-shaped association between sleep duration and cognitive functioning. Objective cognitive functioning was assessed with tasks derived from the Consortium to Establish a Registry for Alzheimer's Disease te…

Macroeconomic policies in transition : the relations between fiscal, monetrary and debt management policies in countries of econimic transition

1999

Operating leverage and the cost of debt in European agri-food firms

2020

Aim of study: To analyse the effect that operating leverage exerts on the cost of debt of agri-food firms in Europe, both in isolation and indirectly through its other risk factors.Area of study: We used panel data made up of 18,360 European firms from 2009 to 2016 (146,880 observations).Material and methods: The data were extracted from the ORBIS database and EUROSTAT. The econometric approach was estimated by the Generalized Method of Moments.Main results: The results obtained confirm that operating leverage or cost structure, in addition to affecting the cost of debt, also affects the relationship between that cost and other sources of risk. More specifically, indebtedness, size, specifi…

Ineffectiveness of the Payment of Debt under the Polish Law

2019

PUBLIC EXPENDITURES FOR DEVELOPMENT - THEIR ROLE IN OVERCOMING THE ECONOMIC CRISIS AND ALIGNMENT OF ROMANIA TO EUROPEAN UNION REQUIREMENTS

2011

This paper analyses the role of public capital expenditure in Romania. There were identified two important roles of public expenditures for development in Romania, currently: levers for overcoming the economic crisis, and a means to align Romania to European Union requirements stipulated in the revised Lisbon Strategy. The analysis concluded that these expenses, although with a relative value twice the EU average, experienced a strong downward trend with the economic crisis, so as they have not contributed to economic recovery. Regarding the second role, matching the EU requirements in development, has not been reached. This is demonstrated by the Lisbon index, according to which in 2008 Ro…

Skarga pauliańska w ochronie wierzytelności publicznoprawnych

2016

Celem artykułu jest analiza zagadnienia dopuszczalności zastosowania skargi pauliańskiej do ochrony wierzytelności publicznoprawnych. Rozważania opierają się głównie na badaniu orzecznictwa sądów powszechnych i Trybunału Konstytucyjnego oraz na własnych obserwacjach autora. Niniejszy artykuł omawia sytuację, w której dłużnik celowo doprowadza do swojej niewypłacalności, przez co uniemożliwia zaspokojenie się wierzyciela publicznoprawnego. Mimo, iż sądy pierwotnie odrzucały możliwość zastosowania prawa cywilnego do ochrony wierzytelności, których źródłem jest prawo publiczne, to od wyroku Trybunału Konstytucyjnego z 2000 r. stanowisko w badanej sprawie uległo zmianie. Od tamtej pory uważa si…

Debt relief through creditors' repayment plan in Poland

2019

Consumer bankruptcy is a relatively new institution in Poland. It has been functioning in the Polish legal system since 2008. The serious amendment to the provisions on consumer bankruptcy made by the Act of 30 August 2019 amending the Act – Bankruptcy Law and some other acts (Journal of Laws 2019 item 1802) will certainly have a significant impact on the remarkable increase in the number of bankruptcy cases. The debt relief of an insolvent natural person non conducting business activity is possible by canceling the debtor's obligations by court order in a separate procedure after the repayment plan has been completed. The debt relief mode discussed in this paper can be described as "classi…

An Ethical Perspective on Loot Box Purchasing : Examining Psychosocial Antecedents and the Association with Indebtedness

2023

Loot boxes are popular random reward mechanisms in digital games, attracting players to invest real money to enhance their gaming experiences. Loot boxes share striking similarities to gambling and might contribute to one’s economic strain, but more research is needed on the underlying vulnerabilities and motivational traits in loot box purchasing. This paper examines associations with self-reported increase in loot box purchasing and debt problems during the first year of the COVID-19 pandemic. International survey data were collected in 2021, consisting of Finnish, Swedish, and British respondents (N = 2,991) aged 18 to 75. Partial least squares modeling was used as an analytical techniqu…