Subjective Poverty Line as Classification Criteria for Credits Purposes of Households

The structure of Polish household expenditure in areas with worse economic indicators does not differ much from the expenditures of these households who inhabit the region of good economic indicators. It can be assumed that the reason for the lack of differences are taken out loans and credits.The main goal of this article is to explore the differences between households in Poland. The first criterion of differentiation are the loans and credits and the second one the subjective assessment of the economic situation of the household. It was assumed that the reasons for crediting will be different in households in worse economic situation from those which assess their situation better. Hypothesis formulated in this way allowed to use the classification of households based on Leyden poverty line including the differences in goals of credit by the regions