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Consumer debt attitudes: The role of gender, debt knowledge and skills

cris.lastimport.scopus2024-09-19T01:30:21Z
dc.abstract.enThe link between financial attitudes and consumer financial market behaviour is well documented. However, little is known about the role of financial knowledge and skills—the main components of the financial literacy construct—in shaping debt attitudes. This link is especially absent from the gender perspective. This study focuses on consumer debt literacy and debt attitudes. A representative sample of adult Poles (<jats:italic>N</jats:italic> = 1,004) was participated in a computer‐assisted telephone interview. Latent class analysis was employed to reveal their debt attitudes, and subsequently, links between debt literacy and debt attitudes were studied with multinomial regression models. The results show that respondents in Poland can be grouped into five classes exhibiting different attitude profiles. The structure of debt attitudes is complex and differs from a simple unidimensional pro‐debt/ anti‐debt construct. Although this study did not find significant gender differences either in the conceptualization of debt attitudes or in their drivers, the results showed that in all but one class, consumer attitudes are strongly linked to either debt knowledge or debt skills or to both. Debt skills were revealed to be a particularly strong predictor of consumer debt attitudes.
dc.affiliationAdministracji i Nauk Społecznych
dc.contributor.authorPiotr Białowolski
dc.contributor.authorAndrzej Cwynar
dc.contributor.authorWiktor Cwynar
dc.contributor.authorDorota Węziak‐Białowolska
dc.date.accessioned2024-07-09T11:24:33Z
dc.date.available2024-07-09T11:24:33Z
dc.date.issued2020
dc.identifier.doi10.1111/ijcs.12558
dc.identifier.issn1470-6423
dc.identifier.issn1470-6431
dc.identifier.urihttps://repo.akademiawsei.eu/handle/item/429
dc.languageen
dc.pbn.affiliationeconomics and finance
dc.relation.ispartofInternational Journal of Consumer Studies
dc.rightsCC-BY-NC-ND
dc.subject.enConsumer debt attitudes
dc.subject.enThe role of gender
dc.subject.endebt knowledge and skills
dc.titleConsumer debt attitudes: The role of gender, debt knowledge and skills
dc.typeReviewArticle
dspace.entity.typePublication
oaire.citation.issue3
oaire.citation.volume44