Over-indebtedness and chronic disease: a linked register-based study of Finnish men and women during 1995–2010

Blomgren, Jenni; Maunula, Nico; Hiilamo, Heikki

doi:10.1007/s00038-015-0778-4

Cited by 22 publications

(19 citation statements)

References 24 publications

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“…Due to the cross-sectional nature of the present study, the causal direction of the observed association remains unclear. It is both possible that mental illness underlying antidepressant use results from over-indebtedness and mental illness contributes to over-indebtedness by reducing the capability to manage debt [11,6,7]. Furthermore, a broadly accepted definition of over-indebtedness is not yet available [1].…”

Section: Plos Onementioning

confidence: 99%

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Association between over-indebtedness and antidepressant use: A cross-sectional analysis

et al. 2020

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Background Burden of disease caused by depression and its association with socioeconomic status is well documented. However, research on over-indebtedness is scarce although millions of European citizens in all socioeconomic positions are over-indebted. Prior studies suggested that over-indebtedness is associated with poor physical and mental health. Aims Investigate the association between over-indebtedness and antidepressant use in Germany. Method A cross-sectional survey among debt advice agencies' clients was conducted in North Rhine-Westphalia, Germany, in 2017 (OID). Data were merged with the first wave of the German Health Interview and Examination Survey for Adults (DEGS1). Descriptive statistics and logistic regression analysis were used to examine antidepressant use in the previous 7 days (OID: n = 699; DEGS1: n = 7115). Results Prevalence of antidepressant use was higher in the over-indebted (12.3%) than the general population (5.0%). The over-indebted were significantly more likely to use antidepressants than the general population even after controlling for other socioeconomic, demographic and health factors (adjusted odds ratio 1.83; 95% confidence interval 1.35-2.48). Conclusions Stakeholders in health care, debt counselling, research and social policy should consider the link between over-indebtedness and mental illness to advance the understanding of health inequalities and to help those who have mental health and debt problems.

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Section: Plos Onementioning

confidence: 99%

“…Besides physical morbidity, e.g. diabetes [7], obesity [8] and pain [9,10], over-indebtedness has consistently been found to be associated with mental illness, including psychoses [7] and depression [11][12][13][14][15][16][17].…”

Section: Introductionmentioning

confidence: 99%

Association between over-indebtedness and antidepressant use: A cross-sectional analysis

et al. 2020

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“…Studies found an association between over-indebtedness and poor health outcomes that was not explained by standard socioeconomic status (SES) measures such as income and education [7][8][9][10][11][12]. A 15-year longitudinal study among 48778 adults in Finland found an association between over-indebtedness and an increased incidence of various chronic diseases including diabetes and psychoses [13]. These findings suggest that overindebtedness may reflect a distinct risk factor of poor health.…”

Section: Introductionmentioning

confidence: 99%

Patient-physician communication about financial problems: A cross-sectional study among over-indebted individuals

et al. 2020

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Background About every tenth household across Europe is unable to meet payment obligations and living expenses on an ongoing basis and is thus considered over-indebted. Previous research suggests that over-indebtedness reflects a potential cause and consequence of psychosomatic health problems and limited access to care. However, it is unclear whether those affected discuss their financial problems with general practitioners. Therefore, this study examined patient-physician communication about financial problems in general practice among over-indebted individuals. Methods We conducted a cross-sectional survey among clients of 70 debt advice agencies in North Rhine-Westphalia, Germany, in 2017. We assessed the prevalence of patient-physician communication about financial problems and its association with patient characteristics using descriptive statistics and logistic regression analysis. Of 699 individuals who returned the questionnaire (response rate:50.2%), we included 598 respondents enrolled in statutory health insurance with complete outcome data in the analyses. Results Conversations about financial problems with general practitioners were reported by 22.6% (n = 135) of respondents. Individuals with a high educational level were less likely to report such conversations than those with medium educational level (aOR 0.11; 95%CI 0.01-0.83) after adjustment for other sociodemographic characteristics, health status and measures of financial distress. Those without a migrant background(aOR 2.09; 95%CI 1.32-3.32), the chronically ill(aOR 1.90; 95%CI 1.16-3.13) and individuals who reported high financial

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“…Over-indebtedness, characterized by the inability to fulfill one's financial obligations, has been shown to be associated with both physical and mental health conditions [3], even including suicidal ideation [4] and completed suicide [1]. Other health hazards associated with over-indebtedness include obesity [5], pain [6,7], sleeping problems and sleep medication use [8], psychosis, diabetes [9], and poor adherence to prescribed medication [10].…”

Section: Introductionmentioning

confidence: 99%

Role of Gambling in Payback Failure in Consumer Credit—Data from a Large Body of Material Regarding Consumer Loan Recipients in Sweden

Håkansson

2020

IJERPH

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Indebtedness is associated with poor health outcomes, and problem gambling may contribute to indebtedness through consumer credits related to gambling expenses. The assessment of consumers’ applications for loans may be an opportunity to detect and prevent further problem gambling. The present study analyzed a number of variables including gambling-related transactions and their association with payback failure in 48,197 loans to 20,750 individuals in Sweden. Sums and frequency of gambling deposits or withdrawals generally did not predict failure to pay back loans. Instead, having a loan defaulted at some time was associated with a baseline pattern describing a theoretical loss-of-control gambling pattern (short-term intense gambling), with a higher ratio of gambling deposits or withdrawals per occasion, and with several instances of gambling in close association with a loan. While several group differences were modest, signs of rapid, short-term and intense gambling, rather than gambling itself, may identify risk of payback failure and risk of indebtedness. Implications for early problem-gambling detection and prevention, such as by gambling operators and financial institutes, are discussed and may promote better public health in relation to gambling indebtedness.

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Over-indebtedness and chronic disease: a linked register-based study of Finnish men and women during 1995–2010

Abstract: Over-indebtedness is associated with harmful health conditions. Policy makers should consider taking steps to prevent over-indebtedness and to increase the awareness of social and health service professionals of the problems associated with over-indebtedness.

Cited by 22 publications

References 24 publications

Association between over-indebtedness and antidepressant use: A cross-sectional analysis

Association between over-indebtedness and antidepressant use: A cross-sectional analysis

Patient-physician communication about financial problems: A cross-sectional study among over-indebted individuals

Role of Gambling in Payback Failure in Consumer Credit—Data from a Large Body of Material Regarding Consumer Loan Recipients in Sweden

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