According to the Economic Development Institute of the Warsaw School of Economics, 41% of the public admitted to being in debt to a financial institution. Around 12% borrowed money from their place of employment, while almost 10% admitted to having borrowed money from friends and family. Some 53% of those in debt owe from zł.1,000 - 10,000.

Half of the public who have taken a loan pay monthly installments of between zł.200-500, while only 14% says that the installments stand at more than zł.1,000.

Moreover, the study shows that 50.5% of the indebted claimed that they had problems with repaying the debts on time. Some 11% of those polled, however, claimed that within 12 months they will have a serious problem with paying back the borrowed funds. (Rzeczpospolita, p. B8) A.K.