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Borrow, but not Pay: Psychological Characteristics of Deviant Economic Behavior

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Economic Systems in the New Era: Stable Systems in an Unstable World (IES 2020)

Part of the book series: Lecture Notes in Networks and Systems ((LNNS,volume 160))

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Abstract

Deviant economic behavior is considered as a variant of deviation from generally accepted norms of behavior in the economic sphere. The paper describes the results of an empirical study. The total sample was 1158 respondents, aged 18 to 82, with different experience in loans and debts. Inventories used: Author’s questionnaire for socio-demographic data and subjective economic well-being, Debt Behavior Questionnaire, Debt and Credit Tolerance/Frustration Questionnaire. Cluster analysis (k-means method) revealed four main types of debt behavior: Non-optimal blaming, Non-optimal benevolent, Optimal blaming, Optimal benevolent types. It was found that different types of debt behavior have differences in the experience of borrowing and repaying debts as well as in credit and debt tolerance and frustration. Based on the study, a forecast on the possibility of deviant debt behavior for different types is given. The most unfavorable in debt repayment is the Non-optimal blaming type. Statistics: descriptive statistics, cluster analysis, one-way ANOVA in SPSS 22.0.

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Acknowledgments

This article is based on the results of studies carried out at the expense of budget funds on a state assignment to the Financial University.

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Authors and Affiliations

  1. Financial University under the Government of the Russian Federation, Moscow, Russia

    M. A. Gagarina & A. N. Nevruev

  2. Institute of Psychology, Russian Academy of Sciences, Moscow, Russia

    M. A. Gagarina

  3. Moscow International Academy, Moscow, Russia

    N. A. Solovova

  4. Medical University “REAVIZ”, Moscow, Russia

    N. A. Solovova

Authors
  1. M. A. Gagarina
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  2. A. N. Nevruev
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  3. N. A. Solovova
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Corresponding author

Correspondence to M. A. Gagarina .

Editor information

Editors and Affiliations

  1. Applied Management Department, Samara State University of Economics, Samara, Russia

    Svetlana Igorevna Ashmarina

  2. Institute of Technology and Business, České Budějovice, Czech Republic

    Jakub Horák

  3. Institute of Technology and Business, České Budějovice, Czech Republic

    Jaromír Vrbka

  4. ČEZ Group, Institute of Technology and Business, Praha 4, Czech Republic

    Petr Šuleř

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Gagarina, M.A., Nevruev, A.N., Solovova, N.A. (2021). Borrow, but not Pay: Psychological Characteristics of Deviant Economic Behavior. In: Ashmarina, S.I., Horák, J., Vrbka, J., Šuleř, P. (eds) Economic Systems in the New Era: Stable Systems in an Unstable World. IES 2020. Lecture Notes in Networks and Systems, vol 160. Springer, Cham. https://doi.org/10.1007/978-3-030-60929-0_70

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  • DOI: https://doi.org/10.1007/978-3-030-60929-0_70

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  • Publisher Name: Springer, Cham

  • Print ISBN: 978-3-030-60928-3

  • Online ISBN: 978-3-030-60929-0

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