Insufficient environment protection may have serious ecological consequences, resulting in a number of problems in the modern world, many of which are a direct result of human behavior. Therefore, one needs to limit negative ecological effects by consciously shaping environment-related behaviors. The present paper analyzes the declared attitudes of individuals when it comes to taking into consideration pro-environmental factors, including energy, consumption, and waste. We have also studied the social awareness of the socially responsible investment idea, as well as pro-ecological individual behaviors related to private finance. Our survey study, conducted on a representative sample of 1030 Polish respondents, shows that participants’ individual features have little impact on pro-ecological decisions, and that declared pro-ecological attitudes are not reflected in actual behaviors. Polish consumers are still not active enough in making decisions concerning pro-ecological actions, first of all, in terms of energy and waste. As a result of the conducted research, we suggest increasing all activities in the field of environmental policy that could increase the participation of society in facilitating sustainable development.

Purpose: This paper aims to develop a corporate failure prediction model for construction companies in Poland that allow assessing their financial situation and credit risk. Design/Methodology/Approach: For this purpose, the following research methods have been used, descriptive and comparative analysis, subject literature review, and logit analysis. The Polish construction companies' financial data in this research come from the Emerging Markets Information Service (EMIS). To achieve the main goal of the research, the logit model was built. The significance test, error matrix, and ROC curve were used to assess the quality of the estimated binary logit model. Findings: Based on the research, we identify seven financial indicators that significantly impact the probability of poor financial condition. The following variables are current assets turnover, debt to assets ratio, operating profit to assets, gross profit to assets, operating profit plus amortization to short-term liabilities, current assets to assets ratio, and equity to assets ratio. The research results show that corporate failure prediction models are interesting and important tools to assess the financial situation. Based on the developed model, it has been found that the growth of debts increases the credit risk of construction companies. Moreover, the increase in the share of current assets in the total assets harms the financial condition. Also, the risk of insolvency decreases with growing profitability measured by the rate of return on assets. Practical Implications: The built logit model can be beneficial for investment loan providers, insurance companies, and entities selecting contractors in construction projects due to the possibility of the credit risk assessment. Originality/Value: The use of logit models to identify statistically significant corporate failure prediction factors for construction companies in Poland.

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In the age of twenty-first century a special place among the factors affecting the economic situation of the world is a global financial market with the fastest growing segment of the derivatives. The derivatives are characterized by a relatively high level of risk which is the result of using leverage in their structure. It makes possible to achieve both gains and losses disproportionately high in relation to capital. Intensive development of the derivative market has been trading for around 30 years, the rate is characterized by high growth. Due to risk of using derivatives which could caused negative financial effects and also its role in shaping the world economic situation, which was especially evident during the recent financial crisis, this article is devoted to issue of benefits and risks of derivatives. The aim of this work is attempt to answer the question of derivatives are a benefaction or curse of contemporary economy. To accomplish this objective will be used: a descriptive method, a comparative method, an analysis literature method and case studies.