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Young adults’ borrowing to purchases of desired consumer products related to present‐biased temporal discounting, attitude towards borrowing and financial involvement and knowledge

Artikel i vetenskaplig tidskrift
Författare Tommy Gärling
Patrik Michaelsen
Amelie Gamble
Publicerad i International Journal of Consumer Studies
Volym 00
Nummer/häfte 00
Sidor 1-9
ISSN 1470-6423
Publiceringsår 2019
Publicerad vid Psykologiska institutionen
Centrum för finans
Institutionen för nationalekonomi med statistik
Sidor 1-9
Språk en
Länkar https://doi.org/10.1111/ijcs.12552
Ämnesord attitude towards borrowing, consumer credit, feeling of financial deficit, financial involvement and knowledge, present-biased temporal discounting, young adult
Ämneskategorier Psykologi, Nationalekonomi

Sammanfattning

The aim is to investigate how present‐biased temporal discounting caused by feelings of financial deficit, attitude towards borrowing and financial involvement and knowledge determine young adults’ likelihood of borrowing to purchases of desired consumer products. A sample of 273 young adults aged 18–30 years answered an online questionnaire including experimental treatments to induce present‐biased temporal discounting, followed by questions about attitude towards borrowing, financial involvement/knowledge and financial resources. In different treatment conditions, participants rated the likelihood of borrowing to purchases of desired consumer products at prices judged to be unaffordable or to replace purchases of equally expensive products in the future but not immediately. In a control condition, participants rated the likelihood of borrowing to an equally expensive, already purchased product to be paid immediately. A higher likelihood of borrowing to purchases of the desired and already purchased unpaid products was observed, but the difference to the needed products was not statistically significant. Likelihood of borrowing was strongly suppressed by a negative attitude, in all between‐group conditions equally influenced by self‐assessed financial resources but unaffected by financial involvement/knowledge. Both financial involvement/knowledge and a negative attitude decreased choices of months of instalment payments with the consequence that the monthly repayment cost increased.

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