Features of the Formation and Transformation of Household Credit Behavior Under Macroeconomic Instability

Dubyna, Maksym; Khodakivska, Valentyna Unynets; Панченко, Олена; Bazilinska, Olena; Matskiv, Volodymyr; Lobko, Oleg

doi:10.18280/ijsdp.170708

Cited by 3 publications

(1 citation statement)

References 19 publications

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“…The credit services market plays a special role in ensuring the financial stability of the state. The studies consider the specific issues of the development of such a market within the national financial services markets and its impact on the national economy functioning [32][33][34][35][36][37][38][39]. At the same time, despite the fact that the scientific literature today has already produced a fairly significant number of scientific works in the direction of studying the essence of credit relations [40][41][42][43], their role in ensuring the stable economic development of the countries [44][45][46], the issues on the complex impact of such a market on ensuring the financial stability remain insufficiently researched, especially in the conditions of the modern digitalization processes of the financial relations.…”

Section: Literature Reviewmentioning

confidence: 99%

Dynamics of the Development of the Credit Services Market in the Conditions of Financial Instability: A Case of Ukraine

Parubets,

Shyshkina,

Sadchykova

et al. 2023

IJSDP

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This article aims to identify the trends and characteristics of the credit services market's evolution amidst financial instability in Ukraine. Utilizing a range of scientific methodologies, including content analysis, comparative method, statistical calculations, and econometric modeling based on correlation-regression analysis with cubic one-factor regression models, the study delves into the underlying principles of financial instability, its essence, and primary triggers. A comprehensive statistical analysis of Ukraine's economic trends and the state of bank lending to economic entities was conducted. To enhance understanding of the credit services market's development under Ukraine's unstable economic conditions, an analysis of the influence of bank lending indicators on the key parameters depicting the national economy's dynamic was performed through econometric modeling. Findings reveal that the credit services market plays a crucial role in the economic development of countries, particularly where the securities market is underdeveloped. In Ukraine, the credit services market has acted as a catalyst for crisis phenomena in the banking system, thereby slowing its long-term development.

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Section: Literature Reviewmentioning

confidence: 99%

Dynamics of the Development of the Credit Services Market in the Conditions of Financial Instability: A Case of Ukraine

Parubets,

Shyshkina,

Sadchykova

et al. 2023

IJSDP

View full text Add to dashboard Cite

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The sufficiency of household incomes: Estimation and economic interpretation for their financial stability

Kyrylenko,

Koval,

Sydor

et al. 2024

JGR

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The household financial activities prove that their incomes determine the levels of livelihood (Skrynkovsky & Leskiv, 2015; Israr et al., 2014) and stability (Mohr & Wagner, 2013). In this paper, we will take the view that the financial stability of households is the ability to ensure an appropriate level of livelihood by the available level of income in the face of influence factors. As a result, the study on the sufficiency of household incomes is relevant when estimating their financial stability. The purpose of the research is to develop indicators for estimating the sufficiency of household incomes and economic interpretation obtained results for their financial stability. According to the purpose, indicators for estimating the sufficiency of household incomes are proposed and made economic interpretations ones. In the work process analysis is used as a general scientific method of theoretical knowledge, and comparison and measurement are used as data research methods. The analysis was conducted to conclude the different trends of income sufficiency by Ukrainian households at the macroeconomic and microeconomic levels in 2001–2020. Moreover, future research needs to use the elements of correlation regression analysis to rank the studied factors by the power of influence.

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Ensuring the Financial Stability of Households Under Martial Law

KYRYLENKO,

SYDORCHUK

2024

WOF

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Introduction. Ensuring financial stability is one of the important aims of managing households’ financial resources. Exogenous factors constantly influence this process, the war with the russian federation is one of the most important of them. The introduction of martial law changed the regulatory rules for the functioning of the financial system, which significantly affected the process of ensuring the financial stability of households. The purpose of the article is to determine the extent to which the functioning of the financial system under martial law affects the financial stability of households. Results. The paper researches the functioning financial system under martial law and shows their positive and negative impact on ensuring the financial stability of households. The study proves the deterioration of the financial stability of internally displaced persons; the growth of income sufficiency indicators is shown only for those households that include military personnel. The analyzed trends in household incomes under martial law correlate with the dynamics of expenditures, some growth in the military government bonds. Due to the lack of full functioning of stock exchanges, the study substantiates the impossibility of realizing the investment potential of households under martial law. Conclusions. The proposed analysis shows the existence of significant limitations in ensuring the financial stability of households in wartime, namely, the inability to fully realize their investment potential and the use of certain financial instruments for savings.

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Features of the Formation and Transformation of Household Credit Behavior Under Macroeconomic Instability

Cited by 3 publications

References 19 publications

Dynamics of the Development of the Credit Services Market in the Conditions of Financial Instability: A Case of Ukraine

Dynamics of the Development of the Credit Services Market in the Conditions of Financial Instability: A Case of Ukraine

The sufficiency of household incomes: Estimation and economic interpretation for their financial stability

Ensuring the Financial Stability of Households Under Martial Law

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