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Table of Contents
Intro; Preface; Contents; Notes on Contributors; List of Figures; List of Tables; Part I Introduction to Young Adults' Indebtedness; Chapter 1 Why Study Young Adults' Indebtedness?; 1 Introduction; 2 The Research Program; 2.1 Project 1: Causes of Young Adults' Borrowing Decisions; 2.2 Project 2: Effects of Information Format on Borrowing; 2.3 Project 3: Regulatory Actors and Their Tools; 3 The Book's Organization-A Brief Overview; 3.1 The Structure of the Book; 3.2 Chapter Overviews; 4 Concluding Remarks; References; Chapter 2 Indebtedness, Over-Indebtedness and Wellbeing
1 Introduction2 A Brief Literature Overview; 2.1 Definitions of Over-Indebtedness; 2.2 The Relationship Between Over-Indebtedness and Financial Exclusion; 2.3 The Relationship Between Over-Indebtedness and Financial Literacy; 2.4 Measuring Over-Indebtedness in Practice-An Illustration; 3 Indebtedness and Over-Indebtedness in Numbers; 3.1 Descriptive Statistics of European Households; 3.2 Estimations of Societal Costs and Wellbeing Related to Over-Indebtedness in Sweden; 4 Concluding Remarks; References; Chapter 3 The Loan Market-The Swedish Example; 1 Introduction
2 The Swedish Financial Environment3 The Swedish Loan Market; 3.1 Mortgage Loans; 3.2 Other Types of Consumer Credit; 3.3 The Market for Unsecured Instant Loans; 4 An International Comparison; 4.1 The Total Loan Market; 4.2 The Mortgage Market; 5 Age Differences Among Borrowers; 6 Concluding Remarks; References; Part II Psychological Factors Explaining Young Adults' Indebtedness; Chapter 4 Young Adults' Attitudes Toward Borrowing; 1 Introduction; 2 Definition and Measurement of Attitude Toward Borrowing; 3 Review of Previous Studies
3.1 Antecedents of Young Adults' Attitudes Toward Borrowing3.2 Consequences of Young Adults' Attitude Toward Borrowing; 4 Measuring Attitude Toward Borrowing; 5 Summary and Conclusions; References; Chapter 5 Young Adults' Consumption Desires, Feelings of Financial Scarcity and Borrowing; 1 Introduction; 2 Borrowing and Purchasing; 3 Affective/Cognitive Pre-decisional Information Processing; 4 Borrowing Unawareness; 5 Summary and Conclusions; References; Part III Financial Information and Young Adults' Borrowing Decisions
Chapter 6 Impacts of Loan Communication on Young Adults' Borrowing1 Introduction; 2 The Influence of Communication and Information on Behavior: The Importance of Involvement; 2.1 Importance of Effective Communication and Accurate Information; 2.2 Communication and Information Initiatives on Borrowing and Credit; 2.2.1 The Importance of How Borrowing Information Is Presented: Loan Disclosure and Format; 2.2.2 General Remarks and Observations; 3 Two Studies of the Influence of Communication and Information About Borrowing Behavior; 3.1 Does Clear Information Matter?
1 Introduction2 A Brief Literature Overview; 2.1 Definitions of Over-Indebtedness; 2.2 The Relationship Between Over-Indebtedness and Financial Exclusion; 2.3 The Relationship Between Over-Indebtedness and Financial Literacy; 2.4 Measuring Over-Indebtedness in Practice-An Illustration; 3 Indebtedness and Over-Indebtedness in Numbers; 3.1 Descriptive Statistics of European Households; 3.2 Estimations of Societal Costs and Wellbeing Related to Over-Indebtedness in Sweden; 4 Concluding Remarks; References; Chapter 3 The Loan Market-The Swedish Example; 1 Introduction
2 The Swedish Financial Environment3 The Swedish Loan Market; 3.1 Mortgage Loans; 3.2 Other Types of Consumer Credit; 3.3 The Market for Unsecured Instant Loans; 4 An International Comparison; 4.1 The Total Loan Market; 4.2 The Mortgage Market; 5 Age Differences Among Borrowers; 6 Concluding Remarks; References; Part II Psychological Factors Explaining Young Adults' Indebtedness; Chapter 4 Young Adults' Attitudes Toward Borrowing; 1 Introduction; 2 Definition and Measurement of Attitude Toward Borrowing; 3 Review of Previous Studies
3.1 Antecedents of Young Adults' Attitudes Toward Borrowing3.2 Consequences of Young Adults' Attitude Toward Borrowing; 4 Measuring Attitude Toward Borrowing; 5 Summary and Conclusions; References; Chapter 5 Young Adults' Consumption Desires, Feelings of Financial Scarcity and Borrowing; 1 Introduction; 2 Borrowing and Purchasing; 3 Affective/Cognitive Pre-decisional Information Processing; 4 Borrowing Unawareness; 5 Summary and Conclusions; References; Part III Financial Information and Young Adults' Borrowing Decisions
Chapter 6 Impacts of Loan Communication on Young Adults' Borrowing1 Introduction; 2 The Influence of Communication and Information on Behavior: The Importance of Involvement; 2.1 Importance of Effective Communication and Accurate Information; 2.2 Communication and Information Initiatives on Borrowing and Credit; 2.2.1 The Importance of How Borrowing Information Is Presented: Loan Disclosure and Format; 2.2.2 General Remarks and Observations; 3 Two Studies of the Influence of Communication and Information About Borrowing Behavior; 3.1 Does Clear Information Matter?