Empirical analysis of the perception of financial exclusion in Poland by women

Abstract

The issue of financial exclusion has been the topic of scientific research for decades now. Each and every individual may become excluded with respect to an array of criteria, such as for instance educational background, income level, financial status, nationality, religion or even lifestyle. This means they are not allowed to perform certain social activities, even though they are both able and willing to undertake them. This unfavourable condition is usually caused by other people’s reluctance. The article addresses the issues of the perception of financial exclusion by female Poles on the basis of the results of a survey. Firstly, the awareness of the problem of financial exclusion among Polish female respondents is presented. Secondly, the causes of the phenomenon are elaborated on, as well as the types of individuals potentially endangered by such an exclusion. Finally, the outcome of research is provided in terms of the evaluation of the phenomenon’s range in Poland and identification of the risk of self-exclusion. Moreover, entities in charge of counteracting the risk of financial exclusion are indicated by the respondents in question.