Psikhologicheskie Issledovaniya • ISSN 2075-7999
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Gagarina M.A., Padun M.A. Debt behavior express inventory: development and validation

Full text in Russian: Гагарина М.А., Падун М.А. Экспресс-опросник долгового поведения: разработка и валидизация

Financial University under the Government of the Russian Federation, Moscow, Russia
Institute of Psychology, Russian Academy of Sciences, Moscow, Russia

About author
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The current paper introduces the results of the short inventory of debt behavior approbation. The inventory is aimed to evaluate certain aspects of the debt behavior among various categories of respondents. Research within economic psychology was used as theoretical foundation: debt behavior, as a type of economic behavior, is closely connected with economic consciousness, including beliefs about debt, social attitudes, and values. For the study we specified three aspects of debt behavior: borrowing, lending and debt repayment. The study included 1058 respondents aged 17 to 82 years (M = 24.9, SD = 11.6), 623 (54%) women and 447 (39%) men, the rest 89 (8%) of them did not indicate gender. The express version of the inventory includes 14 statements. Confirmatory factor analysis revealed 3 subscales structure: “debt-related rationality-irrationality”, “avoidance-acceptance of debts”, “disapproval-tolerance for debtors”. The inventory showed acceptable measures of reliability and validity.

Keywords: debt, debt behavior, debt rationality, debt avoidance, attitude to debt

Full text in Russian >>

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Received 25 May 2020. Date of publication: 01 September 2021.

About author

Gagarina Maria A. PhD (Psychology), Associate professor, Associate professor at the Department of Psychology and Human Capital Development, Financial University under the Government of the Russian Federation, Leningradsky pr., 49, 125993 Moscow, Russia. 
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Padun Maria A. PhD (Psychology), Senior Research Associate, Institute of Psychology, Russian Academy of Sciences, Yaroslavskaya str., 13, 129366 Moscow, Russia.
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Suggested citation

Gagarina M.A., Padun M.A. Debt behavior express inventory: development and validation. Psikhologicheskie Issledovaniya, 2021, Vol. 14, No. 78, p. 3. http://psystudy.ru

Permanent URL: http://psystudy.ru/index.php/eng/2021v14n78e/1922-gagarina78e.html

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