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Predicting personal debt and debt repayment: Psychological, social and economic determinants

Citations

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Cited by:

  1. Cheng Wang & Xiaohua Lin, 2009. "Migration of Chinese Consumption Values: Traditions, Modernization, and Cultural Renaissance," Journal of Business Ethics, Springer, vol. 88(3), pages 399-409, October.
  2. Notani, Arti Sahni, 1997. "Perceptions of affordability: Their role in predicting purchase intent and purchase," Journal of Economic Psychology, Elsevier, vol. 18(5), pages 525-546, September.
  3. Büşra Alma Çallı & Erman Coşkun, 2021. "A Longitudinal Systematic Review of Credit Risk Assessment and Credit Default Predictors," SAGE Open, , vol. 11(4), pages 21582440211, November.
  4. Keese, Matthias, 2010. "Who Feels Constrained by High Debt Burdens? – Subjective vs. Objective Measures of Household Indebtedness," Ruhr Economic Papers 169, RWI - Leibniz-Institut für Wirtschaftsforschung, Ruhr-University Bochum, TU Dortmund University, University of Duisburg-Essen.
  5. Laily Dwi Arsyianti & Salina Kassim, 2018. "Financial Prudence through Financial Education: A Conceptual Framework for Financial Inclusion الاحتراز المالي من خلال التعليم المالي: إطار مفاهيمي للإدماج المالي," Journal of King Abdulaziz University: Islamic Economics, King Abdulaziz University, Islamic Economics Institute., vol. 31(1), pages 151-166, January.
  6. Anand, Paul & Lea, Stephen, 2011. "The psychology and behavioural economics of poverty," Journal of Economic Psychology, Elsevier, vol. 32(2), pages 284-293, March.
  7. Szabó-Morvai, Ágnes & Kiss, Hubert János & Károlyi, Róbert, 2023. "Kontrollhely Magyarországon - egy reprezentatív felmérés eredményei [Locus of Control in Hungary: The results of a representative survey]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(7), pages 847-871.
  8. Andrzej Cwynar & Wiktor Cwynar & Monika Baryła-Matejczuk & Moises Betancort, 2019. "Sustainable Debt Behaviour and Well-Being of Young Adults: The Role of Parental Financial Socialisation Process," Sustainability, MDPI, vol. 11(24), pages 1-26, December.
  9. DeVaney, Sharon A. & Lytton, Ruth H., 1995. "Household insolvency: A review of household debt repayment, delinquency, and bankruptcy," Financial Services Review, Elsevier, vol. 4(2), pages 137-156.
  10. Stefano Cosma & Francesco Pattarin, 2012. "Attitudes, personality factors and household debt decisions: A study of consumer credit," Centro Studi di Banca e Finanza (CEFIN) (Center for Studies in Banking and Finance) 12021, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
  11. Bernadette Kamleitner & Bianca Hornung & Erich Kirchler, 2010. "Over-indebtedness and the interplay of factual and mental money management: An interview study," Working Papers 34, Queen Mary, University of London, School of Business and Management, Centre for Globalisation Research.
  12. Anna M. Helka & Dominika Maison, 2021. "Predictors of the Propensity to Incur Loans for Varying Purposes in the Future," European Research Studies Journal, European Research Studies Journal, vol. 0(1), pages 1114-1128.
  13. repec:abd:kauiea:v:31:y:2018:i:1:p:151-166 is not listed on IDEAS
  14. Schicks, Jessica, 2014. "Over-Indebtedness in Microfinance – An Empirical Analysis of Related Factors on the Borrower Level," World Development, Elsevier, vol. 54(C), pages 301-324.
  15. Cäzilia Loibl & Jodi Letkiewicz & Simon McNair & Barbara Summers & Wändi Bruine de Bruin, 2021. "On the association of debt attitudes with socioeconomic characteristics and financial behaviors," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(3), pages 939-966, September.
  16. Stone, Brice & Maury, Rosalinda Vasquez, 2006. "Indicators of personal financial debt using a multi-disciplinary behavioral model," Journal of Economic Psychology, Elsevier, vol. 27(4), pages 543-556, August.
  17. Gaganis, Chrysovalantis & Hasan, Iftekhar & Pasiouras, Fotios, 2020. "National culture and housing credit," Journal of Empirical Finance, Elsevier, vol. 56(C), pages 19-41.
  18. Hayo, Bernd & Neumeier, Florian, 2014. "Political leaders' socioeconomic background and fiscal performance in Germany," European Journal of Political Economy, Elsevier, vol. 34(C), pages 184-205.
  19. McCarthy, Yvonne, 2011. "Behavioural characteristics and financial distress," Working Paper Series 1303, European Central Bank.
  20. Anderson, C. Leigh & Nevitte, Neil, 2006. "Teach your children well: Values of thrift and saving," Journal of Economic Psychology, Elsevier, vol. 27(2), pages 247-261, April.
  21. M. Gagarina A. & A. Shantseva A. & М. Гагарина А. & А. Шанцева А., 2017. "Социально-психологические особенности и уровень финансовой грамотности должников // Socio-Psychological Peculiarities and Level of Financial Literacy of Russian Debtors," Review of Business and Economics Studies // Review of Business and Economics Studies, Финансовый Университет // Financial University, vol. 5(2), pages 5-22.
  22. repec:zbw:rwirep:0169 is not listed on IDEAS
  23. Minou Ghaffari & Maxime Kaniewicz & Stephan Stricker, 2021. "Personalized Communication Strategies: Towards A New Debtor Typology Framework," Papers 2106.01952, arXiv.org.
  24. Walker, Catherine M., 1996. "Financial management, coping and debt in households under financial strain," Journal of Economic Psychology, Elsevier, vol. 17(6), pages 789-807, December.
  25. Altundere, Merve Büşra, 2014. "The Relationship Between Sociability and Household Debt," MPRA Paper 90617, University Library of Munich, Germany.
  26. Keese, Matthias, 2012. "Who feels constrained by high debt burdens? Subjective vs. objective measures of household debt," Journal of Economic Psychology, Elsevier, vol. 33(1), pages 125-141.
  27. Veneta Sotiropoulos & Alain d’Astous, 2013. "Attitudinal, Self-Efficacy, and Social Norms Determinants of Young Consumers’ Propensity to Overspend on Credit Cards," Journal of Consumer Policy, Springer, vol. 36(2), pages 179-196, June.
  28. Liu, Liu & Zhang, Hua, 2021. "Financial literacy, self-efficacy and risky credit behavior among college students: Evidence from online consumer credit," Journal of Behavioral and Experimental Finance, Elsevier, vol. 32(C).
  29. Rendall, Stella & Brooks, Chris & Hillenbrand, Carola, 2021. "The impacts of emotions and personality on borrowers’ abilities to manage their debts," International Review of Financial Analysis, Elsevier, vol. 74(C).
  30. Lebdaoui, Hind & Chetioui, Youssef, 2021. "Antecedents of consumer indebtedness in a majority-Muslim country: Assessing the moderating effects of gender and religiosity using PLS-MGA," Journal of Behavioral and Experimental Finance, Elsevier, vol. 29(C).
  31. Nenita B. Nagarit, DBA & Susana C. Bautista, EdD & Ferdinand C. Somido, PhD & Pedrito Jose V. Bermudo, PhD & Antonio D.Yango, PhD & Leomar S. Galicia, PhD, 2018. "Transforming Online Negative Blogs in the Use of Credit Cards in Electronics Transactions into Constructive Action: Basis of Creating Business Spend Analyzer Model," Journal of Business & Management (COES&RJ-JBM), , vol. 6(1), pages 66-83, January.
  32. Mewse, Avril J. & Lea, Stephen E.G. & Wrapson, Wendy, 2010. "First steps out of debt: Attitudes and social identity as predictors of contact by debtors with creditors," Journal of Economic Psychology, Elsevier, vol. 31(6), pages 1021-1034, December.
  33. Garðarsdóttir, Ragna B. & Dittmar, Helga, 2012. "The relationship of materialism to debt and financial well-being: The case of Iceland’s perceived prosperity," Journal of Economic Psychology, Elsevier, vol. 33(3), pages 471-481.
  34. Silvia Szilagyiova, 2019. "Exploitation of payday loan users: Fact or fiction?," International Journal of Economic Sciences, International Institute of Social and Economic Sciences, vol. 8(2), pages 127-147, December.
  35. Selenko, Eva & Batinic, Bernad, 2011. "Beyond debt. A moderator analysis of the relationship between perceived financial strain and mental health," Social Science & Medicine, Elsevier, vol. 73(12), pages 1725-1732.
  36. Matthias Keese, 2010. "Who Feels Constrained by High Debt Burdens? – Subjective vs. Objective Measures of Household Indebtedness," Ruhr Economic Papers 0169, Rheinisch-Westfälisches Institut für Wirtschaftsforschung, Ruhr-Universität Bochum, Universität Dortmund, Universität Duisburg-Essen.
  37. Rogers, Pablo & Rogers, Dany & Securato, José Roberto, 2015. "Sobre variáveis psicológicas em modelos de application scoring," RAE - Revista de Administração de Empresas, FGV-EAESP Escola de Administração de Empresas de São Paulo (Brazil), vol. 55(1), January.
  38. Shuying Shen & Abdoul G. Sam & Eugene Jones, 2014. "Credit Card Indebtedness and Psychological Well-Being Over Time: Empirical Evidence from a Household Survey," Journal of Consumer Affairs, Wiley Blackwell, vol. 48(3), pages 431-456, October.
  39. Syed Shah ALAM & Ruzita Abdul RAHIM & Ridhwanul HAQ & Atiqur Rahman KHAN, 2014. "What Influence Credit Card Debts In Young Consumers In Malaysia," Journal of Public Administration, Finance and Law, Alexandru Ioan Cuza University, Faculty of Economics and Business Administration, vol. 6(6), pages 106-116, December.
  40. N Lettinga & P O Jacquet & J-B André & N Baumand & C Chevallier, 2020. "Environmental adversity is associated with lower investment in collective actions," PLOS ONE, Public Library of Science, vol. 15(7), pages 1-23, July.
  41. Roland-Lévy, Christine & Pappalardo Boumelki, Fatima-Ezzahra & Guillet, Emilie, 2010. "Representation of the financial crisis: Effect on social representations of savings and credit," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 39(2), pages 142-149, April.
  42. Seuntjens, Terri G. & van de Ven, Niels & Zeelenberg, Marcel & van der Schors, Anna, 2016. "Greed and adolescent financial behavior," Journal of Economic Psychology, Elsevier, vol. 57(C), pages 1-12.
  43. Clinton Gudmunson & Sharon Danes, 2011. "Family Financial Socialization: Theory and Critical Review," Journal of Family and Economic Issues, Springer, vol. 32(4), pages 644-667, December.
  44. Brown, Sarah & Taylor, Karl & Wheatley Price, Stephen, 2005. "Debt and distress: Evaluating the psychological cost of credit," Journal of Economic Psychology, Elsevier, vol. 26(5), pages 642-663, October.
  45. Michael Goedde-Menke & Carsten Erner & Michael Oberste, 2017. "Towards more sustainable debt attitudes and behaviors: the importance of basic economic skills," Journal of Business Economics, Springer, vol. 87(5), pages 645-668, July.
  46. Viaud, Jean & Roland-Levy, Christine, 2000. "A positional and representational analysis of consumption. Households when facing debt and credit," Journal of Economic Psychology, Elsevier, vol. 21(4), pages 411-432, August.
  47. Pascoe Pleasence & Nigel J. Balmer, 2007. "Changing Fortunes: Results from a Randomized Trial of the Offer of Debt Advice in England and Wales," Journal of Empirical Legal Studies, John Wiley & Sons, vol. 4(3), pages 651-673, November.
  48. Greninger, Sue A. & Hampton, Vickie L. & Kitt, Karrol A. & Achacoso, Joseph A., 1996. "Ratios and benchmarks for measuring the financial well-being of families and individuals," Financial Services Review, Elsevier, vol. 5(1), pages 57-70.
  49. Davies, Emma & Lea, Stephen E. G., 1995. "Student attitudes to student debt," Journal of Economic Psychology, Elsevier, vol. 16(4), pages 663-679, December.
  50. Kirchler, Erich & Hoelzl, Erik & Kamleitner, Bernadette, 2008. "Spending and credit use in the private household," Journal of Behavioral and Experimental Economics (formerly The Journal of Socio-Economics), Elsevier, vol. 37(2), pages 519-532, April.
  51. Elistina Abu Bakar & Jariah Masud & Zuroni Md Jusoh, 2006. "Knowledge, Attitude and Perceptions of University Students towards Educational Loans in Malaysia," Journal of Family and Economic Issues, Springer, vol. 27(4), pages 692-701, December.
  52. Dittmar, Helga & Drury, John, 2000. "Self-image - is it in the bag? A qualitative comparison between "ordinary" and "excessive" consumers," Journal of Economic Psychology, Elsevier, vol. 21(2), pages 109-142, April.
  53. Loibl, Cäzilia & Kraybill, David S. & DeMay, Sara Wackler, 2011. "Accounting for the role of habit in regular saving," Journal of Economic Psychology, Elsevier, vol. 32(4), pages 581-592, August.
  54. Lea, Stephen E. G. & Webley, Paul & Walker, Catherine M., 1995. "Psychological factors in consumer debt: Money management, economic socialization, and credit use," Journal of Economic Psychology, Elsevier, vol. 16(4), pages 681-701, December.
  55. Norvilitis, Jill M. & MacLean, Michael G., 2010. "The role of parents in college students' financial behaviors and attitudes," Journal of Economic Psychology, Elsevier, vol. 31(1), pages 55-63, February.
  56. Lucia Dunn & Tufan Ekici & Paul J. Lavrakas & Jeffery A. Stec, 2004. "An Index to Track Credit Card Debt and Predict Consumption," Working Papers 04-04, Ohio State University, Department of Economics.
  57. Wang, Lili & Lu, Wei & Malhotra, Naresh K., 2011. "Demographics, attitude, personality and credit card features correlate with credit card debt: A view from China," Journal of Economic Psychology, Elsevier, vol. 32(1), pages 179-193, February.
  58. Lenarčič, Črt, 2022. "Drivers of household arrears: an euro area country panel data analysis," MPRA Paper 114558, University Library of Munich, Germany.
  59. Mary Eschelbach Hansen & Julie Routzahn, 2014. "Gender Differences in Attitudes Toward Debt and Financial Position: The Impact of the Great Recession," Working Papers 2014-10, American University, Department of Economics.
  60. Ryszard Kowalski & Agnieszka Strzelecka & Agnieszka Wałęga & Grzegorz Wałęga, 2023. "Do Children Matter to the Household Debt Burden?," Journal of Family and Economic Issues, Springer, vol. 44(4), pages 1007-1022, December.
  61. Chichaibelu, Bezawit Beyene & Waibel, Hermann, 2018. "Over-indebtedness and its persistence in rural households in Thailand and Vietnam," Journal of Asian Economics, Elsevier, vol. 56(C), pages 1-23.
  62. Kidwell, Blair & Turrisi, Robert, 2004. "An examination of college student money management tendencies," Journal of Economic Psychology, Elsevier, vol. 25(5), pages 601-616, October.
  63. Yaxin Ming & Chenxi Li & Jing (Elaine) Chen, 2021. "Acquisition mode and credit card overspending behavior: An empirical analysis of the credit card industry," Journal of Consumer Affairs, Wiley Blackwell, vol. 55(1), pages 232-253, March.
  64. Stefano Cosma & Francesco Pattarin, 2012. "Attitudes, personality factors and household debt decisions: A study of consumer credit," Centro Studi di Banca e Finanza (CEFIN) (Center for Studies in Banking and Finance) 0031, Universita di Modena e Reggio Emilia, Dipartimento di Economia "Marco Biagi".
  65. E. Pastrapa & C. Apostolopoulos, 2015. "Estimating Determinants of Borrowing: Evidence from Greece," Journal of Family and Economic Issues, Springer, vol. 36(2), pages 210-223, June.
  66. Hwan-sik Choi & Ron A Laschever, 2018. "The Credit Card Debt Puzzle and Noncognitive Ability [Wealth accumulation and the propensity to plan]," Review of Finance, European Finance Association, vol. 22(6), pages 2109-2137.
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