MALECKI, M. 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., [S. l.], v. 7, n. 2, p. 7–18, 2025. DOI: 10.15584/te.2025.7.2.1. Disponível em: https://journals.ur.edu.pl/te/article/view/13619. Acesso em: 11 wrz. 2026.