Good attitudes and suspect intentions: profiling styles of student debtors using an extended TPB Online publication date: Tue, 20-Apr-2010
by Farooq Ahmed Chudry
J. for Global Business Advancement (JGBA), Vol. 3, No. 1, 2010
Abstract: The ubiquity and scale of student debt are well reported in the literature both in the UK and the international context. What is less investigated is the perception of student borrowing from a consumer behaviour perspective. This paper draws on theoretical frameworks from the field of consumer behaviour to explore student borrowing patterns in the UK. Using the theory of planned behaviour (TPB), a survey of 305 students was asked to complete a questionnaire to collect information about their borrowing intentions and attitudes as well as their knowledge of finance and other cognitive variables. It was found that many students saw debt as inevitable and something over which they had little control. It is hypothesised that this lack of control has an impact on attitudes towards borrowing in life after university. It was further found that the student sample could be effectively divided into decision-making styles, providing possible opportunities for educational interventions around debt management.
Existing subscribers:
Go to Inderscience Online Journals to access the Full Text of this article.
If you are not a subscriber and you just want to read the full contents of this article, buy online access here.Complimentary Subscribers, Editors or Members of the Editorial Board of the J. for Global Business Advancement (JGBA):
Login with your Inderscience username and password:
Want to subscribe?
A subscription gives you complete access to all articles in the current issue, as well as to all articles in the previous three years (where applicable). See our Orders page to subscribe.
If you still need assistance, please email subs@inderscience.com