IDEAS home Printed from https://ideas.repec.org/a/eee/jbrese/v145y2022icp535-551.html
   My bibliography  Save this article

Consumer over-indebtedness: A review and future research agenda

Author

Listed:
  • Cesar Leandro, Julio
  • Botelho, Delane

Abstract

Consumer over-indebtedness has increased globally in recent decades, along with consumer credit. This article presents a systematic literature review on the topic of consumer over-indebtedness, consolidating extant knowledge, identifying broad patterns, and establishing future directions for this fast-growing research domain. We develop a comprehensive analysis and integrative review of the topic, analyzing 136 articles published in 76 journals over 50 years (from 1969 to 2019) across the academic disciplines of Economics, Marketing, Finance, Psychology, and Social Sciences. We present a framework for organizing the literature streams, theories, and main variables related to consumer over-indebtedness. Finally, we identify inconsistencies and under-researched areas, suggesting a future research agenda relevant to academics, practitioners, and policymakers.

Suggested Citation

  • Cesar Leandro, Julio & Botelho, Delane, 2022. "Consumer over-indebtedness: A review and future research agenda," Journal of Business Research, Elsevier, vol. 145(C), pages 535-551.
  • Handle: RePEc:eee:jbrese:v:145:y:2022:i:c:p:535-551
    DOI: 10.1016/j.jbusres.2022.03.023
    as

    Download full text from publisher

    File URL: http://www.sciencedirect.com/science/article/pii/S014829632200251X
    Download Restriction: Full text for ScienceDirect subscribers only

    File URL: https://libkey.io/10.1016/j.jbusres.2022.03.023?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    As the access to this document is restricted, you may want to search for a different version of it.

    References listed on IDEAS

    as
    1. Gianni Betti & Neil Dourmashkin & Mariacristina Rossi & Ya Ping Yin, 2007. "Consumer over‐indebtedness in the EU: measurement and characteristics," Journal of Economic Studies, Emerald Group Publishing Limited, vol. 34(2), pages 136-156, May.
    2. French, Declan & McKillop, Donal, 2016. "Financial literacy and over-indebtedness in low-income households," International Review of Financial Analysis, Elsevier, vol. 48(C), pages 1-11.
    3. Makoto Nakajima, 2012. "Rising indebtedness and temptation: A welfare analysis," Quantitative Economics, Econometric Society, vol. 3(2), pages 257-288, July.
    4. Xu, Yilan & Briley, Daniel A. & Brown, Jeffrey R. & Roberts, Brent W., 2017. "Genetic and environmental influences on household financial distress," Journal of Economic Behavior & Organization, Elsevier, vol. 142(C), pages 404-424.
    5. 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.
    6. 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.
    7. Qun Zhang & Hyungsoo Kim, 2019. "American Young Adults’ Debt and Psychological Distress," Journal of Family and Economic Issues, Springer, vol. 40(1), pages 22-35, March.
    8. Yiing Jia Loke, 2015. "Financial Knowledge and Behaviour of Working Adults in Malaysia," Margin: The Journal of Applied Economic Research, National Council of Applied Economic Research, vol. 9(1), pages 18-38, February.
    9. Bridges, Sarah & Disney, Richard, 2010. "Debt and depression," Journal of Health Economics, Elsevier, vol. 29(3), pages 388-403, May.
    10. Snyder, Hannah, 2019. "Literature review as a research methodology: An overview and guidelines," Journal of Business Research, Elsevier, vol. 104(C), pages 333-339.
    11. Lusardi, Annamaria & Tufano, Peter, 2015. "Debt literacy, financial experiences, and overindebtedness," Journal of Pension Economics and Finance, Cambridge University Press, vol. 14(4), pages 332-368, October.
    12. S M Finlay, 2006. "Predictive models of expenditure and over-indebtedness for assessing the affordability of new consumer credit applications," Journal of the Operational Research Society, Palgrave Macmillan;The OR Society, vol. 57(6), pages 655-669, June.
    13. Giovanni D’Alessio & Stefano Iezzi, 2013. "Household over-indebtedness - Definition and measurement with Italian data," IFC Bulletins chapters, in: Bank for International Settlements (ed.), Proceedings of the Sixth IFC Conference on "Statistical issues and activities in a changing environment", Basel, 28-29 August 2012., volume 36, pages 496-517, Bank for International Settlements.
    14. John Gathergood, 2012. "Debt and Depression: Causal Links and Social Norm Effects," Economic Journal, Royal Economic Society, vol. 122(563), pages 1094-1114, September.
    15. Jane Brown & Anders Wäppling & Helen Woodruffe-Burton & Kate Black, 2017. "The orbit of consumer credit choices," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 22(2), pages 85-96, June.
    16. Lo, Hui-Yi & Harvey, Nigel, 2011. "Shopping without pain: Compulsive buying and the effects of credit card availability in Europe and the Far East," Journal of Economic Psychology, Elsevier, vol. 32(1), pages 79-92, February.
    17. Paul, Justin & Criado, Alex Rialp, 2020. "The art of writing literature review: What do we know and what do we need to know?," International Business Review, Elsevier, vol. 29(4).
    18. Diann Moorman & Steven Garasky, 2008. "Consumer Debt Repayment Behavior as a Precursor to Bankruptcy," Journal of Family and Economic Issues, Springer, vol. 29(2), pages 219-233, June.
    19. Vanessa Mak, 2015. "What is Responsible Lending? The EU Consumer Mortgage Credit Directive in the UK and the Netherlands," Journal of Consumer Policy, Springer, vol. 38(4), pages 411-430, December.
    20. Gordon, Grey, 2017. "Optimal bankruptcy code: A fresh start for some," Journal of Economic Dynamics and Control, Elsevier, vol. 85(C), pages 123-149.
    21. Anu Raijas & Anna-Riitta Lehtinen & Johanna Leskinen, 2010. "Over-Indebtedness in the Finnish Consumer Society," Journal of Consumer Policy, Springer, vol. 33(3), pages 209-223, September.
    22. Christine Ironfield-Smith & Kevin Keasey & Barbara Summers & Darren Duxbury & Robert Hudson, 2005. "Consumer debt in the UK: Attitudes and implications," Journal of Financial Regulation and Compliance, Emerald Group Publishing, vol. 13(2), pages 132-141, May.
    23. Song Han & Geng Li, 2011. "Household Borrowing after Personal Bankruptcy," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 43, pages 491-517, March.
    24. Chatterjee, Satyajit & Gordon, Grey, 2012. "Dealing with consumer default: Bankruptcy vs garnishment," Journal of Monetary Economics, Elsevier, vol. 59(S), pages 1-16.
    25. Johanna Niemi, 2012. "Consumer Insolvency in the European Legal Context," Journal of Consumer Policy, Springer, vol. 35(4), pages 443-459, December.
    26. Murat Mazibaş & Yusuf Tuna, 2017. "Understanding the Recent Growth in Consumer Loans and Credit Cards in Emerging Markets: Evidence from Turkey," Emerging Markets Finance and Trade, Taylor & Francis Journals, vol. 53(10), pages 2333-2346, October.
    27. Abdul Karim Aldohni, 2017. "The UK New Regulatory Framework of High-Cost Short-Term Credit: Is There a Shift Towards a More “Law and Society” Based Approach?," Journal of Consumer Policy, Springer, vol. 40(3), pages 321-345, September.
    28. Canabal, Anne & White III, George O., 2008. "Entry mode research: Past and future," International Business Review, Elsevier, vol. 17(3), pages 267-284, June.
    29. Reading, Richard & Reynolds, Shirley, 2001. "Debt, social disadvantage and maternal depression," Social Science & Medicine, Elsevier, vol. 53(4), pages 441-453, August.
    30. Robert J Shiller, 2013. "Finance Contributing to the Good Society," Business Economics, Palgrave Macmillan;National Association for Business Economics, vol. 48(1), pages 77-80, February.
    31. Achtziger, Anja & Hubert, Marco & Kenning, Peter & Raab, Gerhard & Reisch, Lucia, 2015. "Debt out of control: The links between self-control, compulsive buying, and real debts," Journal of Economic Psychology, Elsevier, vol. 49(C), pages 141-149.
    32. Maria Richards & Paul Palmer & Mariana Bogdanova, 2008. "Irresponsible Lending? A Case Study of a U.K. Credit Industry Reform Initiative," Journal of Business Ethics, Springer, vol. 81(3), pages 499-512, September.
    33. C. Lopes & C. Frade, 2012. "The Way into Bankruptcy: Market Anomie and Sacrifice Among Portuguese Consumers," Journal of Consumer Policy, Springer, vol. 35(4), pages 477-496, December.
    34. Robert J. Shiller, 2013. "Reflections on Finance and the Good Society," American Economic Review, American Economic Association, vol. 103(3), pages 402-405, May.
    35. Sarah Nield, 2015. "Mortgage Market Review: “Hard-Wired Common Sense?”," Journal of Consumer Policy, Springer, vol. 38(2), pages 139-159, June.
    36. 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.
    37. Jochen Bigus & Eva-Maria Steiger, 2006. "When it pays to be honest: How a variable period of good conduct can improve incentives in personal bankruptcy proceedings," European Journal of Law and Economics, Springer, vol. 22(3), pages 233-253, November.
    38. Milton Friedman, 1957. "A Theory of the Consumption Function," NBER Books, National Bureau of Economic Research, Inc, number frie57-1.
    39. Wim Kösters & Stephan Paul & Stefan Stein, 2004. "An economic analysis of the EU Commission’s proposal for a new consumer credit directive," Intereconomics: Review of European Economic Policy, Springer;ZBW - Leibniz Information Centre for Economics;Centre for European Policy Studies (CEPS), vol. 39(2), pages 84-96, March.
    40. K. Majamaa & A.-R. Lehtinen & K. Rantala, 2019. "Debt Judgments as a Reflection of Consumption-Related Debt Problems," Journal of Consumer Policy, Springer, vol. 42(2), pages 223-244, June.
    41. Richard Chamboko & Gerald Kadira & Lisho Mundia & Rumbidzai K.T. Chamboko, 2017. "Mapping patterns of financial distress among consumers in Zimbabwe," International Journal of Social Economics, Emerald Group Publishing Limited, vol. 44(12), pages 1654-1668, December.
    42. Drentea, Patricia & Lavrakas, Paul J., 2000. "Over the limit: the association among health, race and debt," Social Science & Medicine, Elsevier, vol. 50(4), pages 517-529, February.
    43. Giovanni Dell'Ariccia & Robert Marquez, 2006. "Lending Booms and Lending Standards," Journal of Finance, American Finance Association, vol. 61(5), pages 2511-2546, October.
    44. Carolina Rezende Pereira & Suzane Strehlau, 2016. "Social Bond Development Through Continuous Indebtedness," Journal of Consumer Policy, Springer, vol. 39(2), pages 241-259, June.
    45. Vanessa Mak & Jurgen Braspenning, 2012. "Errare humanum est: Financial Literacy in European Consumer Credit Law," Journal of Consumer Policy, Springer, vol. 35(3), pages 307-332, September.
    46. Iain Ramsay, 2012. "Between Neo-Liberalism and the Social Market: Approaches to Debt Adjustment and Consumer Insolvency in the EU," Journal of Consumer Policy, Springer, vol. 35(4), pages 421-441, December.
    47. Sweet, Elizabeth, 2018. "“Like you failed at life”: Debt, health and neoliberal subjectivity," Social Science & Medicine, Elsevier, vol. 212(C), pages 86-93.
    48. Tuula Linna, 2015. "Consumer Insolvency: The Linkage Between the Fresh Start, Collective Proceedings, and the Access to Debt Adjustment," Journal of Consumer Policy, Springer, vol. 38(3), pages 357-374, September.
    49. 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.
    50. Julie Robson & Jillian Dawes Farquhar & Christopher Hindle, 2017. "Working up a debt: students as vulnerable consumers," Journal of Marketing for Higher Education, Taylor & Francis Journals, vol. 27(2), pages 274-289, July.
    51. repec:ilo:ilowps:391322 is not listed on IDEAS
    52. 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.
    53. Haas, Oliver J., 2006. "Overindebtedness in Germany," ILO Working Papers 993913223402676, International Labour Organization.
    54. Sweet, Elizabeth & Nandi, Arijit & Adam, Emma K. & McDade, Thomas W., 2013. "The high price of debt: Household financial debt and its impact on mental and physical health," Social Science & Medicine, Elsevier, vol. 91(C), pages 94-100.
    55. Meniago, Christelle & Mukuddem-Petersen, Janine & Petersen, Mark A. & Mongale, Itumeleng P., 2013. "What causes household debt to increase in South Africa?," Economic Modelling, Elsevier, vol. 33(C), pages 482-492.
    56. Lisa Peñaloza & Michelle Barnhart, 2011. "Living U.S. Capitalism: The Normalization of Credit/Debt," Journal of Consumer Research, Journal of Consumer Research Inc., vol. 38(4), pages 743-762.
    57. Tuomas Takalo, 2019. "Regulation of short-term consumer credits," Journal of Banking Regulation, Palgrave Macmillan, vol. 20(4), pages 348-354, December.
    58. Aimee Prawitz & Julie Kalkowski & Judith Cohart, 2013. "Responses to Economic Pressure by Low-Income Families: Financial Distress and Hopefulness," Journal of Family and Economic Issues, Springer, vol. 34(1), pages 29-40, March.
    59. Jesse Bricker & Jeffrey Thompson, 2016. "Does Education Loan Debt Influence Household Financial Distress? An Assessment Using The 2007–2009 Survey Of Consumer Finances Panel," Contemporary Economic Policy, Western Economic Association International, vol. 34(4), pages 660-677, October.
    60. Milton Friedman, 1957. "The Permanent Income Hypothesis," NBER Chapters, in: A Theory of the Consumption Function, pages 20-37, National Bureau of Economic Research, Inc.
    61. Kyoung Tae Kim & Melissa J. Wilmarth, 2016. "Government Subsidies and Household Debt Burden After the Great Recession," Journal of Family and Economic Issues, Springer, vol. 37(3), pages 349-358, September.
    62. Rosado-Serrano, Alexander & Paul, Justin & Dikova, Desislava, 2018. "International franchising: A literature review and research agenda," Journal of Business Research, Elsevier, vol. 85(C), pages 238-257.
    63. Gathergood, John, 2012. "Self-control, financial literacy and consumer over-indebtedness," Journal of Economic Psychology, Elsevier, vol. 33(3), pages 590-602.
    64. Jessica Schicks, 2013. "The Definition and Causes of Microfinance Over-Indebtedness: A Customer Protection Point of View," Oxford Development Studies, Taylor & Francis Journals, vol. 41(sup1), pages 95-116, August.
    65. Igor Livshits, 2015. "Recent Developments In Consumer Credit And Default Literature," Journal of Economic Surveys, Wiley Blackwell, vol. 29(4), pages 594-613, September.
    66. Dellande, Stephanie & Gilly, Mary C. & Graham, John L., 2016. "Managing consumer debt: Culture, compliance, and completion," Journal of Business Research, Elsevier, vol. 69(7), pages 2594-2602.
    67. Lea, Stephen E. G. & Webley, Paul & Levine, R. Mark, 1993. "The economic psychology of consumer debt," Journal of Economic Psychology, Elsevier, vol. 14(1), pages 85-119, March.
    68. Ottaviani, Cristina & Vandone, Daniela, 2011. "Impulsivity and household indebtedness: Evidence from real life," Journal of Economic Psychology, Elsevier, vol. 32(5), pages 754-761.
    69. E. G. Marsellou & Y. C. Bassiakos, 2016. "Bankrupt Households and Economic Crisis. Evidence from the Greek Courts," Journal of Consumer Policy, Springer, vol. 39(1), pages 41-62, March.
    70. Dabić, Marina & Vlačić, Bozidar & Paul, Justin & Dana, Leo-Paul & Sahasranamam, Sreevas & Glinka, Beata, 2020. "Immigrant entrepreneurship: A review and research agenda," Journal of Business Research, Elsevier, vol. 113(C), pages 25-38.
    71. Dettling, Lisa J. & Hsu, Joanne W., 2018. "Returning to the nest: Debt and parental co-residence among young adults," Labour Economics, Elsevier, vol. 54(C), pages 225-236.
    72. Martin Kanz, 2016. "What Does Debt Relief Do for Development? Evidence from India's Bailout for Rural Households," American Economic Journal: Applied Economics, American Economic Association, vol. 8(4), pages 66-99, October.
    73. B. P. S. Murthi & Marina Girju & Erin Steffes, 2019. "The effect of promotional interest rates on customer borrowing and payment behavior in the credit card industry," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 24(1), pages 11-20, June.
    74. Sergio Da Silva & Newton Da Costa Jr & Raul Matsushita & Cristiana Vieira & Ana Correa & Dinorá De Faveri, 2018. "Debt of high-income consumers may reflect leverage rather than poor cognitive reflection," Review of Behavioral Finance, Emerald Group Publishing Limited, vol. 10(1), pages 42-52, March.
    75. Soon Ryoo & Yun K. Kim, 2014. "Income Distribution, Consumer Debt and Keeping up with the Joneses," Metroeconomica, Wiley Blackwell, vol. 65(4), pages 585-618, November.
    76. Matthew J. Bernthal & David Crockett & Randall L. Rose, 2005. "Credit Cards as Lifestyle Facilitators," Journal of Consumer Research, Journal of Consumer Research Inc., vol. 32(1), pages 130-145, June.
    77. Amit Poddar & Cameron Ellis & Timucin Ozcan, 2015. "Imperfect Recall: The Impact of Composite Spending Information Disclosure on Credit Card Spending," Journal of Consumer Policy, Springer, vol. 38(1), pages 93-104, March.
    78. Oscar A. Stolper & Andreas Walter, 2017. "Financial literacy, financial advice, and financial behavior," Journal of Business Economics, Springer, vol. 87(5), pages 581-643, July.
    79. Meyll, Tobias & Pauls, Thomas, 2019. "The gender gap in over-indebtedness," Finance Research Letters, Elsevier, vol. 31(C).
    80. J. Michael Collins & Maximilian D. Schmeiser, 2013. "The Effects of Foreclosure Counseling for Distressed Homeowners," Journal of Policy Analysis and Management, John Wiley & Sons, Ltd., vol. 32(1), pages 83-106, January.
    81. Matthias Keese & Hendrik Schmitz, 2014. "Broke, Ill, and Obese: Is There an Effect of Household Debt on Health?," Review of Income and Wealth, International Association for Research in Income and Wealth, vol. 60(3), pages 525-541, September.
    82. repec:lmu:muenar:20869 is not listed on IDEAS
    83. Sarah Brown & Karl Taylor, 2008. "Household debt and financial assets: evidence from Germany, Great Britain and the USA," Journal of the Royal Statistical Society Series A, Royal Statistical Society, vol. 171(3), pages 615-643, June.
    84. Bergerès, Anne-Sophie & d'Astous, Philippe & Dionne, Georges, 2015. "Is there any dependence between consumer credit line utilization and default probability on a term loan? Evidence from bank-customer data," Journal of Empirical Finance, Elsevier, vol. 33(C), pages 276-286.
    85. Xie, En & Reddy, K.S. & Liang, Jie, 2017. "Country-specific determinants of cross-border mergers and acquisitions: A comprehensive review and future research directions," Journal of World Business, Elsevier, vol. 52(2), pages 127-183.
    86. 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.
    87. Nick Huls, 2012. "A Next Step in Debt Enforcement: the Merger of Debt Help and Debt Collection," Journal of Consumer Policy, Springer, vol. 35(4), pages 497-508, December.
    88. Daniele Di Giulio & Carlo Milani, 2013. "Plastic Money Diffusion and Usage: An Empirical Analysis on Italian Households," Economic Notes, Banca Monte dei Paschi di Siena SpA, vol. 42(1), pages 47-74, February.
    89. 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.
    90. Hojman, Daniel A. & Miranda, Álvaro & Ruiz-Tagle, Jaime, 2016. "Debt trajectories and mental health," Social Science & Medicine, Elsevier, vol. 167(C), pages 54-62.
    91. Enrique Seira & Alan Elizondo & Eduardo Laguna-Müggenburg, 2017. "Are Information Disclosures Effective? Evidence from the Credit Card Market," American Economic Journal: Economic Policy, American Economic Association, vol. 9(1), pages 277-307, February.
    92. 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.
    93. Paul Rodford, 2009. "APACS Response to “Irresponsible Lending? A Case Study of a Credit Industry Reform Initiative”," Journal of Business Ethics, Springer, vol. 86(4), pages 535-539, June.
    94. Gunnar Trumbull, 2012. "Credit Access and Social Welfare," Politics & Society, , vol. 40(1), pages 9-34, March.
    95. Atte Oksanen & Mikko Aaltonen & Kati Rantala, 2015. "Social Determinants of Debt Problems in a Nordic Welfare State: a Finnish Register-Based Study," Journal of Consumer Policy, Springer, vol. 38(3), pages 229-246, September.
    96. Waltraud Schelkle, 2012. "A Crisis of What? Mortgage Credit Markets and the Social Policy of Promoting Homeownership in the United States and in Europe," Politics & Society, , vol. 40(1), pages 59-80, March.
    97. Pierre Eng, 2008. "Consumer credit in Australia during the twentieth century," Accounting History Review, Taylor & Francis Journals, vol. 18(2), pages 243-265.
    Full references (including those not matched with items on IDEAS)

    Citations

    Citations are extracted by the CitEc Project, subscribe to its RSS feed for this item.
    as


    Cited by:

    1. Galariotis, Emilios & Monne, Jerome, 2023. "Basic debt literacy and debt behavior," International Review of Financial Analysis, Elsevier, vol. 88(C).
    2. Tang, Chuanyi & Guo, Lin & Gruen, Thomas, 2024. "A goal-driven framework for compliance-dependent services: Pathways to customer satisfaction and well-being," Journal of Business Research, Elsevier, vol. 177(C).

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Atte Oksanen & Mikko Aaltonen & Kati Rantala, 2015. "Social Determinants of Debt Problems in a Nordic Welfare State: a Finnish Register-Based Study," Journal of Consumer Policy, Springer, vol. 38(3), pages 229-246, September.
    2. Nur Hafidzah Idris* & Melissa Faisal Wee & Shafinar Ismail & Khairunnisa Abd Samad, 2018. "Financial Knowledge, Debt Literacy and Over-Indebtedness," The Journal of Social Sciences Research, Academic Research Publishing Group, pages 22-29:3.
    3. Grzegorz Wałęga & Agnieszka Wałęga, 2021. "Over-indebted Households in Poland: Classification Tree Analysis," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 153(2), pages 561-584, January.
    4. 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.
    5. Marco FRIGERIO & Cristina OTTAVIANI & Daniela VANDONE, 2018. "A Meta-Analytic Investigation of Consumer Over-Indebtedness: the Role of Impulsivity," Departmental Working Papers 2018-08, Department of Economics, Management and Quantitative Methods at Università degli Studi di Milano.
    6. Cristina OTTAVIANI & Daniela VANDONE, 2016. "Is Impulsivity a Mediator of the Relationship between Financial Literacy and Debt Decisions?," Departmental Working Papers 2016-06, Department of Economics, Management and Quantitative Methods at Università degli Studi di Milano.
    7. Clayton, Maya & Liñares-Zegarra, José & Wilson, John O.S., 2015. "Does debt affect health? Cross country evidence on the debt-health nexus," Social Science & Medicine, Elsevier, vol. 130(C), pages 51-58.
    8. Yunchao Cai & Selamah Abdullah Yusof & Ruzita Bt Mohd Amin & Mohd Nahar Mohd Arshad, 2021. "The Multi-dimensional Effect of Household Debt on Urban Individual Well-Being in Klang Valley Malaysia," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 158(1), pages 23-44, November.
    9. Du Caju, Philip & Rycx, François & Tojerow, Ilan, 2016. "Unemployment risk and over-indebtedness," Working Paper Series 1908, European Central Bank.
    10. 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.
    11. Meyll, Tobias & Pauls, Thomas, 2019. "The gender gap in over-indebtedness," Finance Research Letters, Elsevier, vol. 31(C).
    12. Philip Du Caju & François Rycx & Ilan Tojerow, 2015. "Unemployment Risk and Over-indebtedness A Micro-econometric Perspective," Working Papers CEB 15-046, ULB -- Universite Libre de Bruxelles.
    13. Piotr Bialowolski & Dorota Weziak-Bialowolska & Eileen McNeely, 2021. "The Role of Financial Fragility and Financial Control for Well-Being," Social Indicators Research: An International and Interdisciplinary Journal for Quality-of-Life Measurement, Springer, vol. 155(3), pages 1137-1157, June.
    14. Hojman, Daniel A. & Miranda, Álvaro & Ruiz-Tagle, Jaime, 2016. "Debt trajectories and mental health," Social Science & Medicine, Elsevier, vol. 167(C), pages 54-62.
    15. Antonia Grohmann & Jana Hamdan, 2021. "The Effect of Self-Control and Financial Literacy on Impulse Borrowing: Experimental Evidence," Discussion Papers of DIW Berlin 1950, DIW Berlin, German Institute for Economic Research.
    16. Lawrence M. Berger & Jason N. Houle, 2019. "Rising Household Debt and Children’s Socioemotional Well-being Trajectories," Demography, Springer;Population Association of America (PAA), vol. 56(4), pages 1273-1301, August.
    17. 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.
    18. Grohmann, Antonia & Hamdan, Jana S., 2020. "The Effect of Self-Control on Borrowing: Experimental Evidence," Rationality and Competition Discussion Paper Series 264, CRC TRR 190 Rationality and Competition.
    19. Aswathi Rebecca Asok & Joe Cox, 2024. "Debt Attitude and Debt Accumulation among Rural Poor Households in a Developing Region: A Q-squared Approach," Working Papers in Economics & Finance 2024-03, University of Portsmouth, Portsmouth Business School, Economics and Finance Subject Group.
    20. 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.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:eee:jbrese:v:145:y:2022:i:c:p:535-551. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Catherine Liu (email available below). General contact details of provider: http://www.elsevier.com/locate/jbusres .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.