Per 1,000 inhabitants of the Podkarpackie Voivodeship only 21 (2.1%) have the so-called negative entry in the ERIF debtors database of the Economic Information Bureau. This is the smallest percentage in Poland, says ERIF Biuro Informacji Gospodarczej. Such an entry means that a liability has not been paid within 30 days from the due date.
Importantly, the inhabitants of this voivodeship actively use various types of financial products, such as credits or loans, or services, such as telecommunications. The positive entry that they regularly pay contractual obligations has 117 people per 1,000 inhabitants (1.1.7%).
“It seems that the inhabitants of this region are reliable customersbecause they do not allow for delays in payments that would result in a negative entry in the database. For potential service providers, it is a signal of financial problems of a given client “- we read in the office’s information. The authors of the report indicate that more and more companies are asking for analysis of the available positive datawhich show how customers use different types of services.
– Companies take into account both groups of data, because their combination is used to build the so-called scoring models assessing the risk of offering a product or service to a given person. They are not only entities granting credits or loans. This data is also used by deferred payment companies that are entering the market. They are also used by insurers and even companies that help in renting apartments – describes Jarosław Furmaniak, head of the operations and development department at ERIF Economic Information Bureau.
The Małopolskie Voivodeship, adjacent to the Podkarpackie Voivodeship, has slightly higher, but similar indicators. There are 27 negative entries and 120 positive ones per 1000 inhabitants. These are the only regions where the percentage of people in debt is below 30 per 1,000 inhabitants.
More debt in the west of the country
In most regions, the percentage of negative entries per 1,000 inhabitants is much higher, sometimes up to three times. It is the highest in the Lubuskie Voivodeship, where as many as 56 people per 1000 inhabitants have a negative entry in the ERIF BIG database. But also the inhabitants of this voivodeship are at the forefront in Poland when it comes to using various services, because as many as 137 consumers out of 1000 have a positive entry in the database.
The inhabitants of the Dolnośląskie Voivodeship (143 positive entries per 1,000 inhabitants) are most active in the use of various types of services or financial products in Poland. But they too have a high percentage of negative entries (55 per 1,000 inhabitants). Only people in the Warmińsko-Mazurskie (52) and Zachodniopomorskie (51) voivodships have more than 50 negative entries per 1000 inhabitants.
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– Generally, if you look at these indicators assigned to individual voivodships on the map of Poland, it can be concluded that the further west, the higher the percentage of debtors. But in the western and northern provinces there is also a greater percentage of people using various services and paying their liabilities on time, which is confirmed by the so-called positive entries to our database. The eastern and southern regions have fewer both positive and negative entries per 1,000 inhabitants – says Jarosław Furmaniak.
What debts in individual provinces?
The analysis of the ERIF BIG database shows that individual regions do not differ significantly in terms of the nature of negative entries. In most of them, about 70 percent. entries for overdue obligations apply to five categories: loan agreements, contracts for the provision of postal and telecommunications services, insurance contracts, contracts for the sale of goods in installments and debts resulting from maintenance obligations.
In all voivodeships the most significant is the significance of negative entries resulting from loan agreements. Their share in the structure of this type of entries varies between 26%. (Dolnośląskie and Lubuskie voivodeships) and 32 percent. (Świętokrzyskie Voivodeship). Debts due to contracts for the provision of postal and telecommunications services are in second place in all voivodships. They are of the least importance in the case of residents of the province. Podkarpackie (15 percent), and the largest from the province. West Pomeranian Voivodeship (20 percent).
With regard to the remaining commitments, the order differs from region to region. For example, in the province. Lower Silesia, the following positions are occupied by: insurance contract (8%), contract of sale of goods in installments (7%) and fines (7%). This is the only region where judicial fines are included in the “top five”. The province is also unique. Lublin, where the third position is insurance contracts (8%), but the next two items relate to maintenance obligations. Where do such negative entries in the database come from?
– Already after the due date of payment, it is possible to send a summons to the debtor with the information that in the event of non-payment within the next 30 days, he will be entered in the database of the economic information bureau – explains Jarosław Furmaniak.
“Unfortunately, Poles often underestimate such warnings, and in addition, after some time, they forget that a certain creditor has probably exercised his right and entered them in the database of debtors. They only find out about it when a company refuses them, for example, a loan or credit card or they do not get a loan. home appliances / electronics in installments “- we read in the report.
These issues can be checked in the debtors database. “Setting up and maintaining your own account providing on-line access to such information is free of charge. There is also no charge to download a report about yourself every 6 months” – reports ERIF Economic Information Bureau.
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