CWYNAR, Wiktor. What do consumers know and understand about effective interest rates? Evidence from a debt literacy survey in Poland. Forum Scientiae Oeconomia, [S. l.], v. 10, n. 1, p. 118–146, 2022. DOI: 10.23762/FSO_VOL10_NO1_7. Disponível em: https://ojs.wsb.edu.pl/index.php/fso/article/view/489. Acesso em: 23 sep. 2026.