Białowolski, Piotr; Kowalski, Ryszard; Wałęga, Agnieszka - In: International Journal of Bank Marketing 42 (2024) 7, pp. 1536-1558
a debt service-to-income ratio (DSTI) threshold of 20% to minimize the discrepancy between subjective and objective debt … household socio-demographic and debt characteristics. Additionally, it seeks to establish an optimal debt service-to-income … ratio (DSTI) threshold for identifying over-indebtedness. Design/methodology/approach This study utilized a sample of 1 …