{"id":4636,"date":"2026-07-01T09:43:15","date_gmt":"2026-07-01T09:43:15","guid":{"rendered":"https:\/\/aap.umb.sk\/?page_id=4636"},"modified":"2026-07-01T10:34:58","modified_gmt":"2026-07-01T10:34:58","slug":"katarina-hoskova-erika-lapinova","status":"publish","type":"page","link":"https:\/\/aap.umb.sk\/?page_id=4636","title":{"rendered":"Katar\u00edna Ho\u0161kov\u00e1, Erika \u013dapinov\u00e1"},"content":{"rendered":"\n<p class=\"has-text-align-center\"><strong>Zadl\u017eovanie slovensk\u00fdch dom\u00e1cnost\u00ed. Stav, dynamika a s\u00favislosti<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\"><strong>INDEBTEDNESS OF SLOVAK HOUSEHOLDS. CURRENT STATE, TRENDS AND CONTEXT<\/strong><\/p>\n\n\n\n<p><em>Published: 1.7.202<\/em>6<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-text-align-right\"><a href=\"https:\/\/doi.org\/10.24040\/aap.2026.23.1.57-78\">https:\/\/doi.org\/10.24040\/aap.2026.23.1.57-78<\/a><\/p>\n\n\n\n<pre class=\"wp-block-verse\"><strong>Abstract: <\/strong>In our paper, we want to draw attention to the issue of household debt. In Slovakia, which was previously known for low levels of debt, the rate and growth of debt have increased more in the past decade than in the rest of Europe or in the V4 countries, and experts warn about the economic and social risks of this phenomenon, especially when debt goes beyond certain limits. Our goal is to describe the state and development of household debt in Slovakia, compare it with the rest of Europe, and identify the determinants and consequences of private household debt in Slovakia. In the paper, we use official data on household indebtedness collected as part of the harmonized European survey of the European Central Bank called the Household Finance and Consumption Survey (HFCS).<\/pre>\n\n\n\n<p><strong>Keywords:<\/strong> indebtedness, private households, debt determinants, debt consequences<\/p>\n\n\n\n<p><strong>Full text article:<\/strong><\/p>\n\n\n\n<div class=\"wp-block-file\"><object class=\"wp-block-file__embed\" data=\"https:\/\/aap.umb.sk\/wp-content\/uploads\/2026\/07\/final-version-2.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of final-version-2.\"><\/object><a id=\"wp-block-file--media-324c483d-6df6-4287-8692-dc12d95b0f12\" href=\"https:\/\/aap.umb.sk\/wp-content\/uploads\/2026\/07\/final-version-2.pdf\">final-version-2<\/a><a href=\"https:\/\/aap.umb.sk\/wp-content\/uploads\/2026\/07\/final-version-2.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-324c483d-6df6-4287-8692-dc12d95b0f12\">Download<\/a><\/div>\n\n\n\n<p><strong>How to cite:<\/strong><\/p>\n\n\n\n<p>HO\u0160KOV\u00c1, K. a \u013dAPINOV\u00c1, E. <em>Zadl\u017eovanie slovensk\u00fdch dom\u00e1cnost\u00ed. Stav, dynamika a s\u00favislosti.<\/em> Acta aerarii publici. Online. vol. 23 (2026), no. 1, s. 57 \u2013 78.&nbsp;Dostupn\u00e9 na: <a href=\"https:\/\/doi.org\/10.24040\/aap.2026.23.1.57-78\">https:\/\/doi.org\/10.24040\/aap.2026.23.1.57-78<\/a>. [d\u00e1tum citovania RRRR-MM-DD].<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Zadl\u017eovanie slovensk\u00fdch dom\u00e1cnost\u00ed. Stav, dynamika a s\u00favislosti INDEBTEDNESS OF SLOVAK HOUSEHOLDS. CURRENT STATE, TRENDS AND CONTEXT Published: 1.7.2026 https:\/\/doi.org\/10.24040\/aap.2026.23.1.57-78 Abstract: In our paper, we want to draw attention to the issue of household debt. In Slovakia, which was previously known for low levels of debt, the rate and growth of debt have increased more in &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/aap.umb.sk\/?page_id=4636\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Katar\u00edna Ho\u0161kov\u00e1, Erika \u013dapinov\u00e1&#8221;<\/span><\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/aap.umb.sk\/index.php?rest_route=\/wp\/v2\/pages\/4636"}],"collection":[{"href":"https:\/\/aap.umb.sk\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/aap.umb.sk\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/aap.umb.sk\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/aap.umb.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=4636"}],"version-history":[{"count":3,"href":"https:\/\/aap.umb.sk\/index.php?rest_route=\/wp\/v2\/pages\/4636\/revisions"}],"predecessor-version":[{"id":4650,"href":"https:\/\/aap.umb.sk\/index.php?rest_route=\/wp\/v2\/pages\/4636\/revisions\/4650"}],"wp:attachment":[{"href":"https:\/\/aap.umb.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=4636"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}