When I run the following SQL query in my Oracle database:
SELECT p.pkt_nazwa, u.us_nazwa FROM punkty p, kategorie_uslug ku, usluga
Here's an article explaining some approaches to what you're trying to do in Oracle:
http://www.oracle-base.com/articles/misc/StringAggregationTechniques.php
Note that if you're running 11g Release 2 then LISTAGG is the way to go.