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Along with technical progress and ongoing changes in the economic sphere, standard of living and social awareness of individuals as well as achievements in today’s medicine, visible developments are taking place in the population age structure at the different stages of demographic transition. These processes lead to shifts in proportions of the various population age groups, resulting in population ageing and a growing number of single-person households. In addition to globalisation, internationalisation, stimulating innovation and dynamic development of a knowledge-based economy, they are perceived as an important socio-economic trend [Zalega, 2016a, p. 136]. Multidimensional population ageing first occurred in economically advanced countries as a marked decline in births resulting from changes in social awareness, lifestyle, family model, and from the redefinition of life priorities. It should be noted, however, that ageing affects both global population and the populations of individual countries and regions. It thus comes as no surprise that this process is increasingly attracting the attention of governments, political scientists, international organisations and academics around the world but is also a subject of public discussion in the mass media (radio, press, Internet and television). The elderly are a group of customers who have stable incomes; hence they are targeted by lending institutions – both banks and the shadow banking system. The attractiveness of this group ensues from its stable regular monthly incomes and from guarantees in the event of death of the borrower, where debt is repaid by guarantors, most often the closest ones, family, friends [Świecka, 2016, p. 129]. Seniors’ debt, on the one hand, stems from their poor financial situation that makes it necessary for them to borrow money to purchase basic staples such as

Assessment of the financial situation, determinants and the level of debt of seniors’ households