دانلود مقاله ISI انگلیسی شماره 61785
عنوان فارسی مقاله

اولین گام خروج از بدهی: نگرشها و هویت اجتماعی به عنوان پیش بینی کننده ارتباط بدهکاران با طلبکاران

کد مقاله سال انتشار مقاله انگلیسی ترجمه فارسی تعداد کلمات
61785 2010 14 صفحه PDF سفارش دهید محاسبه نشده
خرید مقاله
پس از پرداخت، فوراً می توانید مقاله را دانلود فرمایید.
عنوان انگلیسی
First steps out of debt: Attitudes and social identity as predictors of contact by debtors with creditors
منبع

Publisher : Elsevier - Science Direct (الزویر - ساینس دایرکت)

Journal : Journal of Economic Psychology, Volume 31, Issue 6, December 2010, Pages 1021–1034

کلمات کلیدی
فقر؛ هویت اجتماعی؛ معضلات اجتماعی؛ خودکارآمدی؛ پول؛ بدهی
پیش نمایش مقاله
پیش نمایش مقاله اولین گام خروج از بدهی: نگرشها و هویت اجتماعی به عنوان پیش بینی کننده ارتباط بدهکاران با طلبکاران

چکیده انگلیسی

Questionnaire research was carried out to identify factors that may encourage problem debtors to take the first steps towards getting out of debt. Consumers with debt problems were identified with the aid of creditor organisations and Her Majesty’s Court Service for England and Wales. Responses were also sought from non-debtors from the same consumer groups as the debtors. Response rates from debtors were very low, but results confirmed the existence of a group of chronically poor consumers with widespread and long-lasting debt and also confirmed the demographic differences between this group of debtors and non-debtors found in previous research. These debtors showed marked attitudinal differences from non-debtors, with reduced optimism and financial self-esteem, and a less internal economic locus of control. They also showed a distinct social identity, identifying with fellow debtors and feeling stigmatised both generally and personally. Within the debtor group, engagement with creditors was higher in people reporting lower debt levels, but seeking advice was more frequent in those reporting higher debts. Engagement was associated with a stronger attitude of financial self-efficacy and with a perception of the debtor identity as more permeable. Neither demographic nor psychological factors significantly predicted which debtors would seek advice.

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