Debt of the Polish countryside.


On average, such a person has to pay 14.88 thous. PLN It is PLN 890 less than the city debtor has to pay back.

Currently, there are more than two (2.36) outstanding commitments for each rural debtor. On the other hand, for every person living in cities there are almost three (2.74) unpaid invoices, bills and installments.

Age according to their consumption needs.

Men who constitute 2/3 of rural debtors have more outstanding claims. On average, their liabilities amount to 17.2 thousand. PLN, and women – per 10.1 thous. zł.

The most numerous group with debts in the countryside are people aged 36-45, This is due to the fact that at this age, due to adolescent children, you usually have the greatest consumption needs.

However, people aged 46-55 have the highest average backlog, Statistically, 20.8 thous. zł.

Regarding the regions, the leaders in the most indebted villages are those located in rich provinces. The largest percentage of rural debtors occurs in Lower Silesia, Mazovia and Pomerania. They are the least in regions with a strong tradition, i.e. in Podkarpacie and Lesser Poland.

The largest creditors of the Polish countryside

The largest creditors of the Polish countryside

Who are the residents of the village behind with money? Their largest creditors are:

  1. Securitization and debt collection companies, i.e. buying and recovering debts receivables – 1/3 entries to the KRD
  2. Loan companies and banks – 1/4 entries
  3. Media providers (TV, telephone, internet) – 1/5 entries

The former take over claims mainly from financial institutions. Therefore, it is the unpaid installments of loans and credits that constitute the largest part of the debts of the Polish countryside,

They are mainly easily accessible payday loans, Village residents usually take them:

  • for third parties, e.g. grandparents for grandchildren,
  • to pay off other liabilities,
  • organization of family celebrations,
  • current expenses.

An interesting phenomenon among rural residents is the conclusion of contracts with telecommunications companies with a view to acquiring new IT equipment and its immediate sale, e.g. on auction sites.

The consequence of this behavior is the calculation of contractual penalties. As a result of their unregulation, rural consumers go to the register of debtors.

According to the words of financial analyst, this practice is most often committed by customers aged 18-20 and 60-70 years old, who depend on income from agriculture, farming or seasonal contracts.

The debtor from the village has scruples

The debtor from the village has scruples

Why are there fewer debtors in the countryside than in cities and fewer liabilities? There are several reasons for this. The most important thing is:

  1. Statistics

    60% live in urban centers population. Inevitably, there are more people with unpaid liabilities.

  2. Sociology

    Relations are more intimate in the countryside than in cities. Therefore, in the event of financial problems, its residents more often borrow money from neighbors and family.

  3. Mentality

    In the countryside, especially the more traditional one, located away from the city and maintaining itself from farming, it is difficult to remain anonymous. In small communities, people are afraid of being stigmatized because of debts, which is why they are more likely to use informal loans, i.e. from relatives, than people from cities. They also maintain more discipline in spending, i.e. they don’t spend more than they have.
    – Credit and debt in general with third parties is not part of the tradition of rural families.

  4. Worse access to financial services

    Before Poland’s accession to the EU and launching payments for farmers, a small percentage of people from the countryside used the services of financial institutions, especially banks. It was caused by, among others distrust of such entities, difficult – compared to cities – access to branches of financial companies and lack of internet, which enables banking and borrowing online.