Semi-structured individual in-depth interviews were conducted to explore and compare which social norms with regard to the debt-incurring process are important to Poles with various experiences of indebtedness. Thematic analysis within a constructionist framework identified the social norms important in the borrowing process for Poles and revealed, as expected, a number of differences between people with various indebtedness experiences. Model borrowers have a significantly different approach to debt than unreliable debtors and non-borrowers. Model borrowers seem to be oblivious to the negative sides of loans as well as indicate fewer reasons for justifying not repaying obligations than others. For unreliable debtors, loans are a quick way to solve financial problems. They borrow money out of necessity rather than to finance any larger, long-term investments and have their own private rules for borrowing. Non-borrowers, although aware of borrowers’ higher standard of living, emphasize that debt is associated with permanent stress and psychological burden. Model borrowers, unlike the others, declare that in their immediate vicinity are only those who use and pay their loans in a timely manner.
The paper presents the characteristics of the attitude that students have towards electric cars and the significance of distinguished attitude elements in creating interest in the purchase of such vehicles. Electric cars are the new type of vehicles that have an electric motor and use the electricity stored in batteries. They are introduced to the market, but for various reasons the volume of sales is not high. So far, it is not sufficiently known how electric vehicles are assessed by Poles. The presented research is an attempt to know what the attitude towards this type of vehicle. The attitude model tested in this research includes three areas: knowledge about them, emotions that they evoke and potential behaviors. The participants were students of Rzeszów University of Technology – a group of young people who are potential consumers of new technologies. The obtained results indicate that electric cars are rather unknown. At the same time, they arouse great interest and their image is very positive. The attitude characteristics towards this type of vehicle is supplemented by perceived limitations: too high of a purchase price, lack of sufficient information about them and unsatisfactory technical parameters, mainly the long time needed to recharge the battery and the insufficiently long distance with one recharge. The interest in the purchase is dependent on positive emotions, and the lack of sufficient information is an obstacle in thinking about buying such a vehicle. Understanding the attitudes of Polish students towards electric cars can be helpful in adapting information about such cars to potential customers, which in turn may affect the level of interest and sales volume.