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Indebtedness, Over-Indebtedness and Wellbeing
2019The indebtedness and possible over-indebtedness of households have attracted attention in academic research and in society at large. In this chapter, we summarize current research on indebtedness and over-indebtedness with especial emphasis on efforts and attempts to derive a more precise and applicable definition of the concept of over-indebtedness ...
Viktor Elliot, Ted Lindblom
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Over-Indebtedness and Mortgage Lending
SSRN Electronic Journal, 2013This article analyzes the over-indebtedness caused by irresponsible mortgage lending by credit institutions in Spain that have been exacerbated by the economic crisis, the falling value of the real estate market and rising unemployment. This creates the risk of social and financial exclusion of those who can't afford to pay their mortgages.
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The gender gap in over-indebtedness
Finance Research Letters, 2019Abstract We document a significant gender gap in over-indebtedness, as we find women to be less likely to become over-indebted even after controlling for risk attitude, financial literacy and socio-demographic characteristics. However, once we account for loan purposes the gender gap diminishes.
Tobias Meyll, Thomas Pauls
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Over-indebtedness of Russians: Myth or reality?
Voprosy Ekonomiki, 2018The main objective of the study is to assess the level of indebtedness and over-indebtedness of Russians. Despite the fact that according to official statistics, the level of household indebtedness in Russia is one of the lowest in the world, the percentage share of non-performing loans is higher than in the countries with a higher level of household ...
O. E. Kuzina, N. A. Krupenskiy
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From Indebtedness to Over-Indebtedness
2009The analysis carried out in the previous chapters has highlighted that borrowing certainly gives individuals the possibility of improving lifestyles by smoothing consumption over their life time. However, there are also concerns that some individuals risk a level of indebtedness that is unsustainable in relation to their earnings and that such a ...
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Over-Indebtedness in the Finnish Consumer Society
Journal of Consumer Policy, 2010The incurring of debts continues to be a major problem in European economies despite the legislative and other preventive policies introduced over the past 10 years. This article discusses the problem of over-indebtedness in the Finnish consumer society.
Anu Raijas +2 more
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Consumer over‐indebtedness in the EU: measurement and characteristics
Journal of Economic Studies, 2007PurposeThis paper seeks to measure and characterise the extent of consumer over‐indebtedness among the European Union (EU) member states.Design/methodology/approachThe study evaluates alternative measures of over‐indebtedness on the basis of the permanent‐income/life‐cycle theories of consumption behaviour and adopts a subjective approach in ...
G. BETTI +3 more
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Consumer Credit and Over‐indebtedness in China
International Insolvency Review, 2018AbstractOver the past three decades, China has experienced a significant increase in consumer credit. There are many causes for this growth and expansion in credit availability, such as deregulation of consumer credit markets. The expansion of consumer credit leads to the climbing of consumers' over‐indebtedness.
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Over-indebtedness of microfinance borrowers in South Africa
African Review of Economics and Finance, 2022Access to financial services has grown rapidly in South Africa, especially in the low-income population segment. At the same time, however, the level of overindebtedness has increased, making poor households even more vulnerable. Employing a binary choice logistic regression model for a unique set of crosssectional data from the 2015 FinScope survey ...
Mjuza, Nomthandazo, Ntsalaze, Lungile
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