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The Influence of Financial Well‐Being on Pawnshop Use

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  • Gianni Nicolini
  • Brenda J. Cude

Abstract

This research examined the influence of financial well‐being on pawnshop use. Data from the 2015 National Financial Capability Study were used to construct a measure of financial well‐being, based on the Consumer Financial Protection Bureau's definition. A higher financial well‐being reduced the odds of pawnshop use by 17%, even after controlling for having a bank account, having a credit card, being financially overconfident, proximity to local pawnshops, and selected demographic characteristics. The authors make recommendations for future research based on changes in the pawnshop industry and its users.

Suggested Citation

  • Gianni Nicolini & Brenda J. Cude, 2019. "The Influence of Financial Well‐Being on Pawnshop Use," Journal of Consumer Affairs, Wiley Blackwell, vol. 53(4), pages 1674-1692, December.
    • Handle: RePEc:bla:jconsa:v:53:y:2019:i:4:p:1674-1692
    DOI: 10.1111/joca.12244
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