Polish debt – what is the profile of the Polish debtor?


Polish debt


Problems with getting into debt are so commonplace that they have been subjected to extensive research for years. Debtors are in the end a strongly differentiated group, both in terms of age and financial status, education, residence and the reason for falling behind in financial arrears. How are the statistics prepared in this respect presented?

For various reasons and life situations, every year thousands of Poles fall into debt. Sometimes it starts with minor delays in paying off, for example, loans or small amounts that are missing to settle some obligation. Some want to save themselves from the consequences of debt collection by incurring payday debts. Others, out of helplessness or overload of duties, do not take any concrete steps.

What leads to falling into debt?

What leads to falling into debt?

The effects are not difficult to predict. People who have problems with paying their debts quickly become debtors with long-term repayments that they are unable to cover. The situation looks even worse. the spiral of indebtedness, i.e. the multilevel debt resulting from the original willingness to repay the earlier obligation.

Debts do not always result from lightheartedness and poor assessment of their financial capabilities. Many consumers actually have a good predisposition for timely settlement of obligations as agreed, but the situation unexpectedly complicates random events. Getting ill for expensive illness, urgent expenditure on the purchase of, for example, a new washing machine or losing one’s job, would seem to be the most common reasons for the collapse of the financial situation of Poles. How does this issue look from research and statistics?

Comprehensive studies are regularly prepared on the subject of debt problems, which break down this issue into prime factors. Let’s get to know the results of the latest research from the first half of 2018, which divide the issue of debt into the following aspects. Their author is Grupa Kruk (the largest company in Poland that manages receivables) and the National Debt Register, or KRD, which gathers data on 522.5 thousand debtors across the country.

The most indebted provinces and regions of Poland according to the Kruk Group

The most indebted provinces and regions of Poland according to the Kruk Group

To the group of Polish voivodships, where the total amount of debts in the first half of 2018 was the largest, they belong respectively.

  • Mazowieckie (about 4.8 billion zlotys).
  • Śląskie (about PLN 4.4 billion).
  • Greater Poland (about 3.4 billion zlotys).
  • Lower Silesia (about PLN 2.9 billion).
  • Pomerania (about 2.3 billion zlotys).

Interestingly, the last voivodship in the top five reigns in turn on the issue of the highest average amount of debt. According to the Kruk Group, this is approximately PLN 6.2 thousand. On a national scale, this value is PLN 5.5 thousand.

The most indebted are according to research, this time the KRD, areas of cities below 20,000 inhabitants. They constitute as much as 27% of all debtor surveyed, with a total of 8.4 billion debt, with an average value of 16 223 PLN.

By contrast, debtors from cities over 300,000 inhabitants account for 6% of all Polish debtors, and cities with a village status of 3%.

Polish debt to the KRD eye

Polish debt to the KRD eye

On the other hand, in the case of KRD data, the most indebted voivodships in Poland can be considered.

  • Dolnośląskie – 12.5% ​​of the total number of debtors.
  • Wielkopolskie – 12.3% of the total number of debtors.
  • Mazowieckie – 9.5% of the total number of debtors.

It is also worth citing the regions whose regions according to KRD have the least problems with repayment of debts.

  • Podlasie – 2.2% of all debtors.
  • Świętokrzyskie – 3% of all debtors.
  • Podkarpackie – 3.4% of all debtors.

What gender and age group dominates among indebted people? KRD data

What gender and age group dominates among indebted people? KRD data

According to a study by the National Debt Register (KRD), among the indebted are the majority of men in a considerably greater proportion. Their total amount of overdue liabilities in the audited period amounted to PLN 18,473. In turn, women collect a total of PLN 11,144 in total.

Interestingly, the 41-year-old resident of the county of Dzierzoniow is the most indebted person in Poland. Its total liability amounts to PLN 4.51 million. In turn, the person with the largest number of individual obligations is a 28-year-old from the Szamotuły county in Wielkopolska. He collected a total of 184 separate arrears worth PLN 56 thousand in total

In the case of the age profile, data in the 18-25 age group are particularly interesting. These people have a total amount of arrears of 535 million in debt and there are a total of 152,000 of them. What is worse, the amount of debt of young Poles against the background of 2017 increased by as much as 62%. The average value of a person’s debt in the 18-25 age group is currently PLN 3.5 thousand. The main reasons for the debt are: unpaid fines, unpaid debts and loans and unpaid bills for calls by phone.

The largest amount of debt is 25 years old – over PLN 167 million.

Summary and Conclusions

The above studies allow us to draw a few conclusions.

  1. The overwhelming share of debtors in small towns proves that these regions are still struggling with difficult economic situations, unemployment, insufficiently paid jobs and other factors that are disproportionate to their needs and aspirations.
  2. Young people are more and more often getting into debt, often by their own carelessness or soliciting (unpaid bills for the phone or unregulated fines for a ride on the stowaways).
  3. The high position of the Mazowieckie voivodship in both studies shows that it is a region whose inhabitants have, on average, the largest financial problems in Poland.


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