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., vol. 7, no. 2, Dec. 2025, pp. 7–18, doi:10.15584/te.2025.7.2.1.