The role of socio-psychological capital in the debt behavior of the individual-Reference-Cited by-同舟云学术

The role of socio-psychological capital in the debt behavior of the individual

Published:2022-09-26 Issue:3 Volume:10 Page:
ISSN:2307-1281
Container-title:Vestnik of Minin University
language:
Short-container-title:Vestnik of Minin University

Author:

Gagarina M. A.¹^ORCID

Affiliation:

1. Financial University under Government of the Russian Federation; Institute of Psychology Russian Academy of Sciences

Abstract

Introduction.The article provides an analysis of the role of socio-psychological capital in different types of debt behavior: borrowing and lending, as well as fulfilling debt obligations.Materials and Methods.The study was carried out with the participation of 2 samples: N=1971 (45.0% males, from 18 to 54 years old, M=25.9; SD=5.6) and N=3022 (50.5% males; from 18 to 84 years, M=40.6; SD=11.8). Based on collected data, the respondents were divided into borrowers and non-borrowers, debtors and payers, lenders and non-lenders. Quantitative indicators of bonding and bridging social capital; social, institutional and generalized trust; global identity and identification with Russia were assessed. Data processing was done in SPSS 23.0.Results.Borrowers have a higher level of generalized and social trust and a higher level of global and civic identity than non-borrowers. Payers have a higher level of generalized and social trust, and trust in credit institutions than debtors. Lenders have higher level of all types of trust and a more pronounced global and civic identity than non-lenders. People with contrasting variants of different types of debt behavior do not differ in strong and weak social ties.Discussion and Conclusions.The results obtained are compared with the data of domestic and foreign publications. The conducted study contributes to the development of the concept of sociopsychological capital, supplementing it with data on the different level of trust and identity in people with different debt behavior.

Publisher

Minin University

Subject

General Medicine

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