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- W586211752 abstract "The article examines the effects of social factors such as social support for debt, economic socialization, and social comparisons on financial decision making. In particular, it deals with questions about when, how and why an individual feels the need for a loan. In this paper we considered the first three stages of the consumer decision making: awareness of needs; search for information; evaluation of suitable options. Data were collected inMoscowin spring 2004 using in-depth qualitative interviews. The number of participants was 35. These individuals were selected to reflect the spectrum of attitudes to money, debt and savings revealed by our previous survey (2002). A set of indicators determining the relationship between material well-being of individuals, standards of living of their relatives, and their reference groups was defined. According to these indicators eight options for the life strategy were analytically identified. Substantive conclusions concern the changes in the system of values and structure of needs of the Russian population. The results show that life success is often identified with high income and the possession of certain expensive goods as an indicator of high social status. People with lower income tend to live in the same social environment of poor people, they rare communicate with those who are richer than them. On the contrast, people with middle and even high income, significantly more likely find among people they know those that go beyond their standard of living. They are more likely use loans to achieve their goals. Thus the loan status in modern Russian society is changing." @default.
- W586211752 created "2016-06-24" @default.
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- W586211752 date "2007-01-01" @default.
- W586211752 modified "2023-09-25" @default.
- W586211752 title "Социальные аспекты кредитного поведения населения" @default.
- W586211752 hasPublicationYear "2007" @default.
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