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Autor	Malgorzata Kołodziejczak
Tytuł	USE OF AGRICULTURAL SERVICES IN EUROPEAN UNION COUNTRIES
Title
Słowa kluczowe	agricultural services, European Union
Key words
Abstrakt	The purpose of this paper is to assess the use of agricultural services in European Union countries in the context of selected features of agriculture. The Ward’s Method was used to isolate six typological clusters of European Union countries. It may be noticed that clusters with a high levels of fixed capital consumption and total intermediate consumption are characterized by a higher use of services than other clusters. The absence of a noticeable relation between the share of crop output in the structure of agricultural output, or between the labour input and the use of agricultural services can be explained by differences in natural conditions, traditional farming models and preferences in choosing between developing the farm’s own machinery or using services.
Abstract
Cytowanie	Kołodziejczak M.
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Pełny tekst	ESARE_2018_n1_s364.pdf

Autor	Robert Nowacki
Tytuł	USE OF ICT SERVICES AT FOOD PROCESSING ENTERPRISES AND THE INFORMATION SOCIETY DEVELOPMENT
Title
Słowa kluczowe	food processing, ICT, ICT services, information society
Key words
Abstrakt	The aim of the article is to analyse the scale of use and to assess the services related to modern information and communication technologies at food processing enterprises and to identify the dependencies between the obtained indices and the features characterising the entities surveyed. The grounds for considerations are findings of the surveys with 201 managers of enterprises of this sector, differentiated in terms of size. The analysis comprised the three areas of ICT services: telecommunications services, services related to software and consultancy in the IT area, and information-related services. The results indicate a wide scope of the use of ICT services – telecommunication services are used by all the entities surveyed, those related to software and consultancy – by three quarters, while information-related services – by almost 60%. In case of all entities there are noted growing outlays on their application, justified, on the one side, by the demand, and, on the other side, by high appraisals of their quality and up-to-datedness (more than 70% of indications) as well as their impact on competitiveness of the entities using them (percentages at the level of more than 60%). It must be said that there occur quite big differences in the indices obtained, due to the features of the enterprises in question. Most often statistically significant dependencies appear in case of information-related services – they are determined by the size of enterprises and the origin of their capital. In case of the services related to software and IT consultancy, the said dependencies also concern the enterprises’ size and, additionally, the range of their activities. Definitely most seldom the statistically significant dependencies occur in case of telecommunication services.
Abstract
Cytowanie	Nowacki R.
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Pełny tekst	ESARE_2018_n2_s51.pdf

Autor	Ryszard Kata
Tytuł	AGRICULTURAL PRODUCTIVITY IN POLAND IN THE CONTEXT OF STRUCTURAL CHANGES IN THE SECTOR IN 2002–2016
Title
Słowa kluczowe	agriculture, production factors, productivity of land and labour
Key words
Abstrakt	This paper attempts to analyse the changes in labour and land productivity in agriculture in Poland resulting from changes to the production structures in this sector, particularly changes in the relationships between production factors, i.e. land, labour and capital. The analysis covered the years 2002–2016. It was found that this period saw important changes in agriculture expressed in the concentration of agrarian structure and the progressive substitution of land and labour by capital, which was reflected in the increase of work technical equipment and the rate of technical progress. There was also a progressive outflow of some of the labour resources from agriculture. A positive correlation between the productivity of land and labour and the said structural changes in agriculture was found.
Abstract
Cytowanie	Kata R.
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Pełny tekst	ESARE_2018_n2_s109.pdf

Autor	Bartłomiej Bajan, Aldona Mrówczynska-Kamińska
Tytuł	GLOBAL DIFFERENCES IN LABOUR PRODUCTIVITY IN THE AGRIBUSINESS
Title
Słowa kluczowe	agribusiness, labour productivity, economic growth
Key words
Abstrakt	The purpose of this paper is to assess the global differences in labour productivity in the agribusiness. The relationship between a country’s economic development level (measured as GDP per capita) and labour productivity in the agriculture and across the entire agribusiness was measured in 39 countries around the world (which are entered to the World Input-Output Database and for which the relevant I/O tables were prepared) in 2000 and 2014. The input-output analysis, employed as the main research method, enabled the calculation of value added in the agriculture and elsewhere in the agribusiness. The results suggest the existence of a positive linear association between agribusiness labour productivity and economic development level, as corroborated by previous observations. In turn, two separate groups are noticeable in the relationship between agricultural labour productivity and the level of development of a country. In the first group of countries, agricultural labour productivity grows fast as the economy grows whereas in the second group, the growth rate of labour productivity clearly decreases as the economy grows. This study is a part of the discussion on the global agricultural development model which, on the one hand, calls for increasing the productivity of agricultural labour and, on the other, shows a need to reduce environmental degradation.
Abstract
Cytowanie	Bajan B., Mrówczynska-Kamińska A.
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Pełny tekst	ESARE_2018_n2_s191.pdf

Autor	Ewa Stawicka, Ali Unsal
Tytuł	COMPARATIVE ANALYSES OF HEALTH ECONOMICS INDICATORS IN THE EUROPEAN UNION AND TURKEY
Title
Słowa kluczowe	core health indicators, European Union countries, health expenditures
Key words
Abstrakt	In this paper, Turkey and the European Union countries are compared on health economics indicators such as health expenditure per capita, health expenditure as a percentage of GDP, life expectancy and infant mortality rate. The aim of this study is to determine the position of Turkey comparing to the European Union countries on the basis of health indicators. Result of this study shows that Eastern EU countries as well as, Turkey in particular should allocate more share for health from their health spendings to get better health outcomes.
Abstract
Cytowanie	Stawicka E., Unsal A.
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Pełny tekst	ESARE_2018_n2_s198.pdf

Autor	Dawid Jabkowski, Norbert Szalaty, Weronika Wyduba
Tytuł	ROLE OF THE EU, THE USA AND BRICS COUNTRIES IN GLOBAL TRADE IN GOODS AND SERVICES AND SELECTED DETERMINANTS
Title
Słowa kluczowe	international trade, exports, imports, population size, GDP, inflation rate, the EU, the USA, BRICS countries
Key words
Abstrakt	The aim of this paper is to present changes in the role of EU countries, the USA and BRICS countries in international trade of goods and services and selected macroeconomic determinants of trade exchange in the analysed countries in the years 1960–2015 together with the projection of potential development of the situation until 2070. Investigated macroeconomic trade conditions included population size, GDP, GDP per capita and the inflation rate. Naive forecasting methods were used to estimate selected characteristics, as well as export and import volumes, considering their development trends. The analyses showed that currently, the largest global trade centres, i.e. the EU and the USA, are losing their share in global GDP. Their share in global exports and imports is decreasing to the advantage of BRICS countries. The simulation up to 2070 showed that the trends observed in previous years may be increasing, while the position of the EU and the USA in world trade may be weakening.
Abstract
Cytowanie	Jabkowski D., Szalaty N., Wyduba W.
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Pełny tekst	ESARE_2018_n2_s209.pdf

Autor	Magdalena Jaworska
Tytuł	FOOD IMPORTS AND FOOD SECURITY OF MAIN GLOBAL MARKET PLAYERS
Title
Słowa kluczowe	food, food security, importers, international trade
Key words
Abstrakt	The main purpose of this paper was to assess the openness of trade in food products in the context of changes in food security levels. The period covered by this study is 1995–2015. The research was based on outcomes reported by main players of the global market. The basic source of data were online databases and reports. Once collected, the data was analysed with the use of quantitative and qualitative research methods. Selected statistical methods, indices of structure and dynamics, indicators of economic openness and indicators related to three dimensions of security (availability, access and stability) were used. The analysis resulted in numerous conclusions. In the study period, food imports followed a global growth trend with alternating periods of contrasting developments. In the countries covered by this study, the openness of trade in food was higher than that of global imports and followed a growth trend. The singularities of the development of the agri-food sector were reflected in decreasing values of the exports-to-imports ratio, and were decisive for the positive growth rate of per capita agri-food output. According to the analysis of relationships between changes in trade levels and selected food security indicators, imports proved to be positively correlated with physical and economic availability, and negatively correlated with stability. Based on the results, a general conclusion may be drawn that economic growth resulted in structural changes which contributed to improving access to food.
Abstract
Cytowanie	Jaworska M.
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Pełny tekst	ESARE_2018_n2_s245.pdf

Autor	Katarzyna Bentkowska
Tytuł	THE ROLE OF SOCIAL CAPITAL AND TRUST IN CONTRACTING
Title
Słowa kluczowe	informal institutions, social capital, incomplete contracts
Key words
Abstrakt	The aim of the study is to analyse how the social capital in Poland affects contracting. It’s role is significant as the contracts concluded on the market are incomplete, i.e. they do not regulate all the issues explicitly. The effects of contractual incompleteness can be mitigated by the high level of trust and well-developed social capital. However, the research results show that the level of trust in Poland has been low for years and that social capital remains underdeveloped. It prevents the social capital to fulfil its role as a factor supporting the conclusion of contracts properly. This results in a real loss for enterprises, as part of the transactions is not conducted.
Abstract
Cytowanie	Bentkowska K.
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Pełny tekst	ESARE_2018_n2_s267.pdf

Autor	Anna Mazurkiewicz, Katarzyna Szara
Tytuł	THE ROLE OF HUMAN, SOCIAL AND CREATIVE CAPITALS IN SOCIO-ECONOMIC DEVELOPMENT
Title
Słowa kluczowe	human capital, social capital, creative capital, development
Key words
Abstrakt	Socio-economic development is a process of quantitative and qualitative changes that increase phenomena in the economic, social and cultural areas. Various types of capital, including human and social capitals, support this development. These capitals are often described in literature. Less information on the subject of creative capital derived from the Florida’s theory is available in the subject matter literature. The aim of the paper is to identify the role of human, social and creative capitals in socio-economic development. Against the background of the capitals characteristics, their similarities and differences were pointed out. Human capital is substitutive against social and creative ones. However, these two capitals have a complementary character in relation to human nature. The identified roles of the three capitals described in the comparative dimension in the aspect of a commune, a region and a country development are an original contribution to the paper.
Abstract
Cytowanie	Mazurkiewicz A., Szara K.
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Pełny tekst	ESARE_2018_n2_s273.pdf

Autor	Beata Będzik, Sylwia Gołąb
Tytuł	INFLUENCE OF EDUCATION ON THE INVOLVEMENT OF INHABITANTS IN THE COMMUNITY AFFAIRS – IMPLICATION FOR THE SOCIAL CAPITAL
Title
Słowa kluczowe	education, involvement, social capital
Key words
Abstrakt	The aim of paper is to present the level of respondents involvement in the commune affairs. The results of the analyses presented in this paper come from surveys conducted using a questionnaire survey among residents of rural communes in the West Pomeranian Voivodeship. After rejecting incomplete and/or illogical questionnaires, 2,409 respondents were qualified for the analysis. The results confirmed the relationship between social capital and involvement of inhabitants in the community affairs. Verification of the existence of a relationship between the involvement in the commune affairs (social capital component) and the education of the respondents was verified. The research results indicate the diversity of involvement in level of education groups. The respondents with a minimum level of secondary education noted a positive average level of involvement, which means that they showed more interest in commune matters and willingness to get involved in them. The highest level of involvement was noted in the group of people with post-secondary education. Respondents with basic vocational and elementary and gymnasial education more often showed lack of involvement in the commune’s affairs, and thus they recorded negative average results of engagement.
Abstract
Cytowanie	Będzik B., Gołąb S.
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Pełny tekst	ESARE_2018_n2_s280.pdf

Autor	Anna Mazurkiewicz, Katarzyna Szara
Tytuł	CREATIVITY AS A STIMULANT OF SOCIO-ECONOMIC DEVELOPMENT OF THE PODKARPACKIE VOIVODESHIP
Title
Słowa kluczowe	creativity, region, development
Key words
Abstrakt	In social and economic development, significance is primarily attributed to endogenous resources. The local conditions should play a key role in it. One of the characteristic features of the region and at the same time a key one is human capital which conditions the occurrence of creative capital. In the paper, creativity – as a resource appropriate to people, a feature of the individual – its potential for creative achievements currently or in the future will be analysed through the prism of creative capital. The aim of the article is to evaluate the conditions for the development of creative capital of the Podkarpackie municipalities in the context of their social and economic development. The evaluation will be made in regard to human resources. In order to achieve the goal of the study, the literature of the subject was analysed, numerical data published by the Central Statistical Office was used, and empirical studies were carried out in the offices of the Podkarpackie municipalities. The results of the conducted research showed that there are conditions favourable to the development of creative capital in the region. The majority of the inhabitants of the Podkarpackie Voivodeship municipalities saw the importance of creativity for the development of the commune.
Abstract
Cytowanie	Mazurkiewicz A., Szara K.
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Pełny tekst	ESARE_2018_n2_s287.pdf

Autor	Elżbieta Jędrych, Dariusz Klimek
Tytuł	SOCIAL CAPITAL IN THE COMPANY (MEAT AND VEGETABLE PROCESSING INDUSTRY)
Title
Słowa kluczowe	social capital, structure of social capital, value of social capital
Key words
Abstrakt	This article presents the research results of authors on the structure and value of social capital in the company. The research shows that there is a link between a relatively new level of such capital obtained on the basis of questionnaires among company employees analysed and the low value of this capital in the socio-economic approach. The authors also point out the possible ways of improving this level and increasing its financial value. The research was conducted in the first half of 2018, in Pamapol, a joint-stock company, which is one of the biggest companies from the branch of meat and food processing. In the research, the triangulation method of research methods was used, already known in research practice but in an innovative character, mainly referring to the measurement of capital value.
Abstract
Cytowanie	Jędrych E., Klimek D.
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Pełny tekst	ESARE_2018_n2_s300.pdf

Autor	Jarosław Becker, Aneta Becker
Tytuł	REGIONAL DIFFERENTIATION OF POLAND IN TERMS OF THE DEGREE OF DIGITAL EXCLUSION OF HOUSEHOLDS IN 2017
Title
Słowa kluczowe	ICT, digital divide, households, ELECTRE TRI
Key words
Abstrakt	Nowadays, the digital economy plays a significant role in economic life. It is determined by the intensive development of modern ICT (Information and Communication Technology). Thus, the importance of the information society using techniques of information communication and processing that arose from the connection of other households is increasing. These households participate and form the basis for the process of creating social capital. Therefore, it seems interesting to examine the socio-economic space of Polish households due to the existence of disproportions in ICT development. The article presents the results of the classification of Polish voivodeships in terms of the degree of digital exclusion understood as lack of access or the ability to use ICT in households in 2017. The research used the ELECTRE TRI method, which is an example of a multicriteria decision support method used to classify decision variants based on a relationship of exceedance. The obtained results allowed for the identification of regions that are characterized by the highest degree of exclusion of digital households (the lowest use of ICT). This group includes the following provinces: Podlasie, Lublin and Lubusz. Into the analyses carried out additionally and deliberately introduced the region of Masovia Province without the capital city and separately the region of Warsaw (the capital city), which clearly different from other units. Thus, it served as a reference point in the study, which represents highly urbanized areas of voivodeships characterized by a low degree of digital exclusion.
Abstract
Cytowanie	Becker J., Becker A.
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Pełny tekst	ESARE_2018_n2_s306.pdf

Autor	Bernadetta Dziura, Bogusław Ślusarczyk
Tytuł	SOCIAL CAPITAL AS A STIMULANT FOR THE DEVELOPMENT OF ENTERPRISES IN THE PODKARPACKIE PROVINCE
Title
Słowa kluczowe	social capital, intellectual capital, enterprise, development
Key words
Abstrakt	Social capital is one of the essential elements of an enterprise’s development. Enterprises with a high level of social capital, due to the smooth flow of information, are predisposed to achieve higher innovation, gaining an advantage over competitors (Przybysz, 2011). The social capital affects the creation of the unique value of an enterprise, mainly through the structures of the connections network, social and cultural norms as well as trust (Dziura, 2016). Nowadays, it is analysed at various levels and in varying degrees, also in relation to territorial systems, including the provincial level. The present paper is an attempt to analyse and describe the impact of social capital on development of selected enterprises in the Podkarpackie province. Authors of the article, due to the conducted surveys, application of statistical methods and analysis of financial reports, aim at presenting the effects of investing in social capital.
Abstract
Cytowanie	Dziura B., Ślusarczyk B.
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Pełny tekst	ESARE_2018_n2_s326.pdf

Autor	Nicholas Imbeah
Tytuł	A STUDY OF TOURISTS’ SAFETY IN THE AHANTA WEST DISTRICT IN GHANA
Title
Słowa kluczowe	glocalization, Ahanta, Ghana
Key words
Abstrakt	Issues of tourists’ safety are gaining grounds in Ghana especially in the Ahanta West District in the Western Region where Ghana discovered commercial crude oil in Cape Three Points in 2007 and started drilling in 2010. Using purposive sampling method, observation, interviews and questionnaires, this study sought to examine the extent to which tourists perceive their own safety in this destination which is old but now renewed tourist destination due to the oil find in Ghana. Welcoming and friendly atmosphere to tourists was indicative of a safe and a secured destination for tourists. The display of globalization showed in the form of ‘glocalization’ in this destination. There is a conflict between land use for agricultural purposes and tourist facilities since the predominant cash crop in this area is oil palm, hence a threat to agricultural sustainability. It is recommended that the security agents should as a matter of urgency put in place the appropriate structures in this tourist destination and farming area for safety.
Abstract
Cytowanie	Imbeah N.
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Pełny tekst	ESARE_2018_n2_s335.pdf

Autor	Oleksii Lyulyov
Tytuł	MACROECONOMIC STABILITY AND SOCIAL PROGRESS IN THE EU MEMBER STATES AND UKRAINE
Title
Słowa kluczowe	economic growth, unemployment, macroeconomic stability, social factors, European Union, Ukraine.
Key words
Abstrakt	The main purpose of the study is the role and influence of social factors on macroeconomic stability. The research is based on the hypothesis that countries with greater macroeconomic stability achieve greater social progress. The integrated index of human capital is proposed as a target for the construction of an appropriate system for monitoring social progress, and in the future – identifying the impact on macroeconomic stability. The main stages of estimating the integral index of human capital are: identification of relevant indicators that will form each of the sub-indices; filtering the selected indicators in the previous stage based on the analysis of the correlation matrix of each of the subindices; normalization of indicators in each of the subindices, calculation of the integral index for each of the subindices, calculation of the final integral index of human capital. The calculations of the integrated capital human capital index for some of the EU countries (Latvia, Lithuania, Poland, Croatia, Romania) and Ukraine for the period 2000–2015 allowed us to conclude that Romania and Ukraine were on a marginal level of social progress, while Lithuania, Poland and Croatia in the range of moderate level. The use of the OLS (the least squares) method to determine the significance of changes in social progress to macroeconomic stability has revealed a positive and statistically significant impact of social progress on macroeconomic stability.
Abstract
Cytowanie	Lyulyov O.
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Pełny tekst	AMME_2018_n1_s53.pdf

Autor	Saliha Çelik, Hatice Öztemiz, Harun Uçak
Tytuł	MONITORING THE FRESH FRUITS AND VEGETABLES SUPPLY CHAIN IN TURKEY
Title
Słowa kluczowe	agricultural supply chain, fresh fruits and vegetables, Turkey, restructuring of agricultural supply chains, food safety and food losses.
Key words
Abstrakt	Turkey’s bio-diversity, geographical structure and climatic conditions, makes it possible to produce a wide variety of fruits and vegetables. Although, the high production capacity, half of the vegetables and fruits are lost during the supply chain processes from farmer to the end consumer because of the long and complex structure of the supply chain. At the same time the current supply chain structure leads to huge gaps between producer and consumer prices. The aim of this study is to determine the structure of the fresh fruit and vegetable supply chain in Turkey and develop alternative supply chain forms to prevent the “price differences” and “product losses” from farmer to the final consumer. The study included descriptive analyses with secondary data as well as literature review. In addition, this study emphasizes the asymmetric power relationship in the agricultural supply chain. The asymmetric power relationship is explained by the price differences between the farmer and the final consumer. The research findings suggest that the transition from the existing multi-intermediated supply chain to the non-intermediated model must be done in a gradual way and through strengthening of the farmers.
Abstract
Cytowanie	Çelik S., Öztemiz H., Uçak H.
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Pełny tekst	AMME_2018_n1_s149.pdf

Autor	Paweł Pięta
Tytuł	DEVELOPMENT OF SOCIAL CAPITAL BY STRENGTHENING OF DIGITAL COMPETENCES AMONG GROUPS EXPOSED TO SOCIAL EXCLUSION
Title
Słowa kluczowe	social capital, key competences, digital competences, digital exclusion, Łowicki county
Key words
Abstrakt	Competitive advantage in the professional market is shaped by the competences possessed, i.e. skills, qualifications, and permissions. One of the eight types of key competences mentioned in the European Union documents is digital competence.It is a collection of knowledge, skills, and rudiments necessary for both, the purposeful point of view and active participation of a given person in social life. The low level of digital competences possessed is particularly visible among groups at risk of digital exclusion, in particular among people living in rural areas, the elderly and people with low education. The difference between people who have access to a computer and the Internet and people who do not have the possibility to use these devices is affected by the dynamic development of information and communication technologies. Digital exclusion is not only the lack of access to the appropriate infrastructure but also the lack of computer and Internet skills. In order to counteract the exclusion of these groups, activities aimed at developing social capital by strengthening digital competences play an important role.
Abstract
Cytowanie	Pięta P.
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Pełny tekst	AMME_2018_n1_s73.pdf

Autor	Małgorzata Adamska
Tytuł	Czynniki motywacji personelu sprzedażowego w małych i średnich przedsiębiorstwach
Title	MOTIVATION FACTORS FOR SALES PERSONEL IN SMALL AND MEDIUM-SIZED ENTERPRISES
Słowa kluczowe	kapitał kliencki, personel sprzedażowy, motywacja, system motywacji
Key words	client capital, sales staff, motivation, motivation system
Abstrakt	W artykule zaprezentowane i omówione zostały czynniki motywacji personelu sprzedażowego. Podstawowa teza artykułu skoncentrowana została na omówieniu instrumentów wykorzystanych przez kadrę menadżerską do konstruowania systemu motywacji. Celem artykułu jest identyfikacja instrumentów motywacji stosowanych w przedsiębiorstwach z uwzględnieniem kryterium wielkości oraz segmentu rynku i rodzaju klientów. Zidentyfikowane zależności mogą mieć istotny wpływ na przyszły kształt i charakter tworzonych systemów motywacyjnych, ze szczególnym uwzględnieniem roli personelu sprzedażowego, działającego w bezpośrednim kontakcie z klientami.W autorskich badaniach, dotyczących zarządzania relacjami z klientem, przeprowadzonych metodą CATI wśród małych i średnich przedsiębiorstw w województwie opolskim, podjęte zostały m.in. zagadnienia związane z funkcjonowaniem personelu sprzedażowego odpowiedzialnego za współpracę z kapitałem klientów w tych przedsiębiorstwach.Na podstawie wyników przeprowadzonej kwerendy literaturowej, doświadczeń płynących ze współpracy z przedsiębiorstwami regionu oraz autorskich badań dot. zarządzania relacjami z kapitałem klienckim w sektorze MŚP, opracowane zostały rekomendacje dotyczące działań mających na celu kreowanie zaangażowania personelu sprzedażowego.
Abstract	The article presents and discusses the motivations of sales staff. The basic thesis of the article was focused on discussing the instruments used by the managerial staff to construct the motivation system.The purpose of the article is to identify motivation instruments used in enterprises, taking into account the size criterion as well as market segments and the type of clients. Identified dependencies may have a significant impact on the future shape and nature of the motivation systems, developed with particular emphasis on the role of sales staff operating in direct contact with customers.In the author's research on customer relationship management carried out among small and medium-sized enterprises in the Opolskie voivodship, issues related to the operation of sales staff responsible for cooperation with clients' capital in these enterprises were also undertaken.Based on the results of a literature query, experience from cooperation with regional enterprises and original research on managing customer-relationship relations in the SME sector, recommendations have been developed regarding activities aimed at creating involvement of sales staff.
Cytowanie	Adamska M. (2018) Czynniki motywacji personelu sprzedażowego w małych i średnich przedsiębiorstwach.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 20(69): 7-19
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Pełny tekst	PEFIM_2018_n69_s7.pdf

Autor	Monika Pawłowska, Artur Stefański
Tytuł	Analiza wpływu rolników jako grupy kredytobiorców na rentowność i bezpieczeństwo banków spółdzielczych w Polsce w latach 2012-2017
Title	THE ANALYSIS OF THE INFLUENCE FARMERS, AS DEBTORS, HAVE ON THE PROFITABILITY AND SOLVENCY OF COOPERATIVE BANKS IN POLAND BETWEEN 2012-2017
Słowa kluczowe	banki spółdzielcze, rolnicy, rentowność, wypłacalność
Key words	cooperative banks, farmers, profitability, solvency
Abstrakt	Głównym celem artykułu jest ocena znaczenia rolników jako kredytobiorców oraz wpływu tej grupy klientów na rentowność i bezpieczeństwo banków spółdzielczych w  Polsce w latach 2012-2017. Analizę oparto na danych kwartalnych z okresu od grudnia 2012 do czerwca 2017 roku (19 obserwacji).Postawiono następujące hipotezy: udział rolników w strukturze kredytów banków spółdzielczych maleje (H1), spadek udziału kredytów dla rolników w kredytach ogółem w bankach spółdzielczych powoduje spadek rentowności, mierzony wskaźnikiem ROA, a siła tej korelacji jest co najmniej umiarkowana (H2), spadający udział rolników w portfelu kredytowym banków spółdzielczych jest dodatnio skorelowany z poziomem łącznego współczynnika wypłacalności oraz współczynnika kapitałowego Tier-1 i że jest to korelacja co najmniej o umiarkowanej sile (H3).Przeprowadzone badania pozwalają na wysunięcie następujących wniosków: udział kredytów dla rolników w  łącznym portfelu kredytowym w bankach spółdzielczych w Polsce spada, jest on skorelowany z poziomem rentowności aktywów, korelacja jest dodatnia, a jej siła co najmniej umiarkowana, jednocześnie jest ujemnie skorelowany z poziomem współczynnika wypłacalności oraz współczynnika kapitałowego Tier-1. Zatem pozytywnie zweryfikowane zostały dwie z trzech postawionych hipotez.
Abstract	The main objective of the article is to assess of the importance of farmers as debtors and the influence of this group of clients on the profitability and security of cooperative banks in Poland between 2012-2017. The analysis was based on quarterly data between December 2012 and June 2017 (19 observations). The following hypotheses were introduced: the share of farmers in the credit structure of cooperative banks decreases (H1), the decrease in the farmers’ credit share in the total number of credits in cooperative banks lowers their profitability measured by the ROA index, and the correlation magnitude is at least moderate (H2), the decreased share of farmers in the credit portfolio of cooperative banks is positively correlated with the level of the total solvency ratio and Tier-1 capital ratio, and this correlation is at least of moderate magnitude (H3).The conducted research allows to conclude that: the share of credits for farmers in the total credit portfolio of cooperative banks in Poland is decreasing. It is correlated with the level of assets profitability, the correlation is positive, and its magnitude is at least moderate. Simultaneously, it is negatively correlated with the level of Tier-1 capital ratio. Hence, only two out of three hypotheses have been verified.
Cytowanie	Pawłowska M., Stefański A. (2018) Analiza wpływu rolników jako grupy kredytobiorców na rentowność i bezpieczeństwo banków spółdzielczych w Polsce w latach 2012-2017.Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing [t.], nr 20(69): 163-171
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Pełny tekst	PEFIM_2018_n69_s163.pdf