In 2015, the USAID Leadership in Economic Governance (LEV) Program conducted a large-scale survey of small and medium enterprises (Annual Business Climate Assessment in Ukraine). One of the features of this survey is that entrepreneurs themselves identify obstacles to doing business and reforms they expect from the state.

Taking a loan in a foreign currency puts both borrowers and banks at risk. At the time of signing the contract, both providers and takers neglected the possible weakening of Polish zloty, believing in its further strengthening. Besides the fact that one can easily learn about it from various sources, the majority of borrowers knew that such a danger exists.

As for the parliamentary elections, I felt much more uncertain. Like many others, I took the possibility of a coalition around the Law and Justice Party into account. In this variant, the president’s office in the hands of Komorowski became strategically important to prevent various anti-reforms (e.g. lowering the retirement age). I also did not rule out a weak coalition around the Civic Platform.