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Author(s): Monika Szafrańska, Renata Pejas-Matysik

Title: The role of cooperative banks in increasing the banking penetration ratio of rural areas in Poland

Source: International Scientific Days 2016. The Agri-Food Value Chain: Challenges for Natural Resources Management and Society

Document Type: Scientific paper

ISBN: 978-80-552-1503-7


Publisher: Slovak University of Agriculture in Nitra

PY, pages: 2016, 389-395

Published on-line: 2016-06-24

Language: eng

Abstract: The objective of the study is to assess the number of households in rural areas which use banking services offered by cooperative banks in Poland and to identify factors determining and differentiating the level of penetration ratio. Primary and secondary sources have been used to obtain the results. Empirical material has been evaluated using indicators of structure and non-parametric "Chi" square (χ2) test. The results confirm the key role of cooperative banks in increasing banking services usage in rural areas in Poland. Almost 70 % of residents of rural areas use banking services offered by cooperative banks. Studies have shown that the factors determining the level of banking services usage of residents of non-urbanized areas are: gender, level of education, professional status and financial situation. Apart from traditional channels of access to a bank account, residents of rural areas also use online banking services (50 % of respondents) offered by cooperative banks.

Keywords: cooperative bank, rate of usage of banking services, rural dwellers

JEL Classification: D12, G21, R22

Rights: Open Access :: Creative Commons Attribution 4.0 Licence
Creative Commons License
Toto dielo je publikované pod/This work is licensed under a Creative Commons Attribution 4.0 International License.