Student attitudes to student debt

Davies, Emma; Lea, Stephen E. G.

doi:10.1016/0167-4870(96)80014-6

Cited by 265 publications

(288 citation statements)

References 10 publications

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“…De acordo com Davies e Lea (1995), a investigação sobre endividamento, dentro do domínio da economia e da psicologia, ganhou destaque com o trabalho de Katona (1975). Ela expandiu-se rapidamente ao longo dos últimos anos, como pode ser visto a partir do trabalho de Livingstone e Lunt (1992), Lea, Webley e Levine (1993), Tokunaga (1993) e Watson (2003.…”

Section: Revisão De Literaturaunclassified

De onde vem o endividamento feminino?: construção e validação de um modelo PLS-PM

Trindade

Righi

Vieira

2012

REAd. Rev. eletrôn. adm. (Porto Alegre)

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RESUMOO consumo exacerbado pode levar muitos indivíduos a contraírem dívidas comprometendo uma parcela significativa de suas rendas e, em muitos casos, acabando por ser tornarem inadimplentes. A inadimplência trás consigo efeitos muitas vezes arrasadores tanto do ponto de vista macroeconômico, aumentando o risco das operações e produtos financeiros, como do ponto de vista do indivíduo, ao afetar suas relações sociais, seu estado psicológico e sua vida familiar. Por outro lado, a maior participação da mulher no mercado de trabalho trouxe uma maior independência financeira e consequentente maior poder na decisão de consumo e ao mesmo tempo, maiores responsabilidades sobre o gerenciamento financeiro e nas decisões de endividamento. Neste sentido, este estudo centrou-se na identificação e análise dos fatores que afetam na propensão ao endividamento, nas mulheres da Mesorregião Centro Ocidental Rio-grandense. Assim, este trabalho propõe um modelo estrutural para explorar as relações entre os fatores determinantes da propensão ao endividamento junto às mulheres da referida Mesorregião, considerando variáveis que compõem os construtos de STATUS SOCIAL, PREOCUPAÇÃO, ESTABILIDADE, PRAZER, PODER, ORÇAMENTO, ILUSÃO e MATERIALISMO. Para isso, foram aplicados 2.500 questionários espalhados estatisticamente entre os 31 municípios que compõem esta Mesorregião. Os dados foram analisados através da metodologia Partial Least Squares -Path Modeling (PLS-PM). Sumariamente, os resultados sugerem que o

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Section: Revisão De Literaturaunclassified

De onde vem o endividamento feminino?: construção e validação de um modelo PLS-PM

Trindade

Righi

Vieira

2012

REAd. Rev. eletrôn. adm. (Porto Alegre)

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“…For instance, Livingstone & Lunt (1992) investigated the effect of attitudinal, self-control, and related social factors on debt accumulation and discovered that attitude toward credit was a significant determinant of debt accumulation. Davies and Lea (1995) did a study on the relationship between attitude and debt and discovered that students who were in debt often had a positive attitude on debt. This was also supported by Walker (1996) and Chien and Devaney (2001) who reported significant relationship between attitude and debt.…”

Section: Attitudementioning

confidence: 99%

“…Apparently, different research has considered different factors that may influence households' debt behavior. Research has revealed that consumer credit behavior is influenced by psychological factors such as attitude and self-control (Davies & Lea, 1995;Livingstone & Lunt, 1992;Tokunaga, 1993). Also, Chien and Devaney (2001) have discovered consumer debt from attitude, economic and demographic variable perspectives.…”

Section: Introductionmentioning

confidence: 99%

Household Behavior towards Debt in a Challenging Financial Environment: Malaysian evidence

Mainal¹,

Ho²,

Yusof³

2016

E-BPJ

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The study of household behavior towards debt is important in this challenging financial environment. Escalating household debt can cause social and economic problems. For the past few years, Malaysia has emerged as the country with the highest household debt in the ASEAN region. This study aims to examine the predictors of intention to incur household debt among Malaysian households. Analysis on 100 fully completed and operational questionnaires in the preliminary study revealed financial literacy and subjective norm as significant predictors of attitude and the mediating relationship between attitude and intention to incur household debt was found to be negatively significant.

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“…Based on a scale developed by Davies and Lea (1995), we included two questions in the set of independent variables, whose purpose was to control the influence of psychological socio-demographic variables: 1) CREDITCARD = How many credit cards do you have? ; and 2) What events happened to you over the past three months?…”

Section: Situational Variablesmentioning

confidence: 99%

“…Issues involving credit or debt have been widely investigated by economic psychologists (Boddington & Kemp, 1999, Davies & Lea, 1995, Gardarsdóttir & Dittmar, 2012, Gathergood, 2012, Kim & Devaney, 2001, Lea, Webley & Levine, 1993, Lea, Webley & Walker, 1995, Livingstone & Lunt, 1992, Mewse, Lea & Wrapson, 2010, Norvilitis & MacLean, 2010, Norvilitis et al, 2006, Norvilitis, Szablicki & Wilson, 2003, Perry, 2008, Pirog III & Roberts, 2007, Roberts & Jones, 2001, Seaward & Kemp, 2000, Stone & Maury, 2006, Tokunaga, 1993, Vio, 2008, Wang, Lu & Malhotra, 2011, Webley & Nyhus, 2001 aiming to understand the psychological profile, especially from the behavioral standpoint, of individuals who are more likely to take loans, become indebted and have debt problems. Besides the demographic variables, these studies (ibid.)…”

Section: Introductionmentioning

confidence: 99%

About Psychological Variables in Application Scoring Models

Rogers

Securato

2015

Rev. adm. empres.

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The purpose of this study is to investigate the contribution of psychological variables and scales suggested by Economic Psychology in predicting individuals' default. Therefore, a sample of 555 individuals completed a self-completion questionnaire, which was composed of psychological variables and scales. By adopting the methodology of the logistic regression, the following psychological and behavioral characteristics were found associated with the group of individuals in default: a) negative dimensions related to money (suffering, inequality and conflict); b) high scores on the self-efficacy scale, probably indicating a greater degree of optimism and over-confidence; c) buyers classified as compulsive; d) individuals who consider it necessary to give gifts to children and friends on special dates, even though many people consider this a luxury; e) problems of self-control identified by individuals who drink an average of more than four glasses of alcoholic beverage a day.KEYWORDS | Economic psychology, credit analysis, credit risk, credit scoring, application scoring. RESUMO

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Student attitudes to student debt

Cited by 265 publications

References 10 publications

De onde vem o endividamento feminino?: construção e validação de um modelo PLS-PM

De onde vem o endividamento feminino?: construção e validação de um modelo PLS-PM

Household Behavior towards Debt in a Challenging Financial Environment: Malaysian evidence

About Psychological Variables in Application Scoring Models

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