Malecki, M. 2025. The Ratchet Effect and the Flight to Non-Bank Lenders: Behavioural Consequences of Restrictive Monetary Policy in Poland. TRANSBORDER ECONOMICS. International Journal on Transborder Economics, Finance, Politics and Statistics. 7, 2 (grudz. 2025), 7–18. DOI:https://doi.org/10.15584/te.2025.7.2.1.