*Article* **Evaluation of the Macro- and Micro-Economic Factors Affecting the Financial Energy of Households**

**Tomasz Korol**

Faculty of Management and Economics, Gdansk University of Technology, Narutowicza 11/12, 80-233 Gdansk, Poland; tomasz.korol@zie.pg.gda.pl

**Abstract:** This paper is an evaluation of the common macro-economic, micro-economic, and social factors affecting households' financial situations. Moreover, the author's objective was to develop a fuzzy logic model for forecasting fluctuations in the number of nonperforming consumer loans in a country using the example of Poland. This study represents one of the first attempts in the global literature to develop such a forecasting model based on macro-economic factors. The findings confirm the usefulness of the proposed innovative approach to forecasting the volume of household insolvencies in a country.

**Keywords:** economics of family; personal finance; financial energy; forecasting; bankruptcy of households; financial health; consumer finance; consequences of COVID-19
