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Wybrane determinanty zakupu ubezpieczeń na życie w opinii respondentów
The main purpose of the study was to evaluate selected determinants of life insurance purchase. The subjects of the study were adult individuals, while the subjects were life insurance. The source of data was primarily primary material obtained in 2022-2023 through a questionnaire survey. (104 responses were received). Data were processed using ꭓ2 statistical tests and Kruskal-Wallis nonparametric analysis of variance. Cross-tabulation included analysis of responses by gender, education, place, and monthly net income per person in the household. The mentioned determinants differentiated the responses in a statistically significant way. The results proved that as many as 81% of respondents had one insurance policy. The number of individual insurance policies only slightly exceeded the group form of insurance. Importantly, among the insured there were both old customers (insurance for more than 5 years) and new customers (1 year or up to 1 year). Respondents spend relatively low amounts on premiums but are satisfied with this protection. Factors influencing the purchase of these insurances were the desire to protect relatives in case of death, a general sense of security, the fact of having protection itself, and support in case of illness or invalidity.
Low-Carbon Rural Areas: How Are Polish Municipalities Financing the Green Future?
The main aim of the research was to assess Polish rural municipalities’ investment activity connected with the development of a low-carbon economy, supported with EU funds in the 2007–2013 and 2014–2020 financial frameworks. The empirical study was based on data from Poland’s Ministry of Development Funds and Regional Policy, Ministry of Finance, and Statistics Poland, analysed through basic descriptive statistics and a logistic model to identify key factors influencing investment activity. The study showed that the greatest number of agreements on funding were, in fact, signed by rural municipalities in the period under analysis. The predominant measures undertaken during this time were the promotion of renewable energy sources and the improvement in energy efficiency. In the earlier financial framework, low-carbon economy projects in rural areas were more often implemented by municipalities with developing demographic potential, including those characterised by a higher level of enterprise development. In the subsequent financial framework, human capital turned out to be of key importance for the investment activity of rural municipalities. Experience gained from 2007–2013 positively influenced fund absorption in 2014–2020, improving project value, number, and support. The study confirmed that rural municipalities play a vital role in advancing a low-carbon economy, as local actions are key to achieving sustainable development and reducing greenhouse gas emissions.
Investments in Renewable Energy in Rural Communes: An Analysis of Regional Disparities in Poland
Although energy transformation is a widely discussed topic, there is a dearth of research on the role of rural communes in implementing that concept in Poland, a country where rural areas account for more than 90% of the total landmass. Most research projects are focused on larger local government units, such as cities, whereas rural communes’ role in the development of local energy policies and impact on the development of renewable energy sources (RESs) is often disregarded. Therefore, this study extends the existing literature resources with a view to bridging that gap by assessing rural communes’ investment activity in the context of the Polish energy transformation, with particular emphasis on regional differences in RES investments financed with Union funds. Therefore, the main purpose of this study is to assess the contribution of rural communes to the Polish energy transformation process, with a particular focus on regional differences in renewable energy investments financed with European Union funds in the successive seven-year financial perspectives 2007–2013 and 2014–2020. The study aimed to answer the following key research questions: how does the level of rural communes’ investment activities related to renewable energy development compare to that of other commune types? What are the regional differences in rural communes’ investment activities related to renewable energy? What are the main factors affecting rural communes’ investment activity in regions most involved in the development of renewable energies? The study relies on data from the Ministry of Development Funds and Regional Policy and from the Local Data Bank of the Central Statistical Office. The dataset was processed with the use of descriptive statistics methods and Ward’s method with a view to identifying regional patterns and conditions for the development of renewable energy investments. This study focuses on the investment activities of rural communes in Poland related to RESs financed with European Union funds. The empirical research results highlight rural municipalities’ crucial role in developing RES, emphasizing their high investment activity and significant regional differences. Municipalities from the eastern Polish provinces of Lublin and Podlasie have successfully secured EU funds for RES development. They have implemented numerous projects, primarily related to solar energy.
Do regions with high CO2 emissions actively invest in energy transition? – examples of local investments in Poland
Regional diversity of low-carbon investment support from EU funds in the 2014–2020 financial perspective based on the example of Polish municipalities
The Role of Large Cities in the Development of Low-Carbon Economy - The Example of Poland
The main objective of the article is to evaluate the investment activity of large cities in Poland in the area of developing a low-carbon economy in 2014–2020, co-financed by European Union funds. This article poses several research questions, namely: Do large cities with environmental problems actively obtain EU funding to develop a low-carbon economy? What are the main socio-economic and environmental determinants of the level of the EU funding absorption among large cities in the research area? The empirical research was conducted on the basis of the data from the Ministry of Investment and Economic Development in Poland, which is responsible for the implementation of cohesion policy funds and from the Local Data Bank of Statistics Poland. Under the 2014–2020 perspective, 223 such projects have been implemented for a total of PLN 21 billion (EUR 4.74 billion). The projects focused on: transportation, electricity, gaseous fuels, steam, hot water and air for air conditioning systems, and environmental and climate change activities. In terms of both the number and the value of EU funds spent, great variation has been observed. Analysis of the correlation relationships showed a highly positive correlation between selected indicators of investment activity in the field of low-carbon economy co-financed by EU funds (especially taking into account the value of investments per area) and socio-economic indicators of Polish metropolises. Metropolises with high demographic, economic, and financial potential have proven to be more effective beneficiaries. Interestingly, no correlation was found between investment activity in the low-carbon economy and the level of environment pollution in large cities. This means that, unfortunately, pro-environmental activities depend on the state of finances of the cities, and not necessarily on the actual needs, even taking into account the fact that the EU covers a large proportion of the costs.