Name
Diomin Andrey Nikolaevich
Scholastic degree
•
Academic rank
professor
Honorary rank
—
Organization, job position
Kuban State University
Web site url
—
Articles count: 1
The article gives a psychological analysis of credit
activity as a process of social exchange between the
lender and the borrower. As a result of credit provision
as exchange the borrower receives access to resource
objects and resource relations. One of credit
situations is a situation of borrower's personal default.
It is introduced analysis of "personal default" concept
in this article and is proposed
its operational psychological definition. It is also
substantiated its connection with other concepts
(difficult life situation, economic stress, crisis of
employment, etc). It has been studied motivational
component of attitude toward credits by means of
questionnaire related to credits attitude. During the
study differences in motivation and purposes of
crediting of potential and actual young and middle age
borrowers have been found out. It has been revealed
that typical motives of taking on credit are credit rigor
and altruism for young people. The motive of altruistic
behavior refuse is expressed by middle age persons.
We have studied out connections between motives of
crediting. We have found out negative connections
between the motive of altruism and investment,
intended use of borrowed funds, as well as between the fear of crediting and hedonism, dreaminess and
conformability in crediting. Significant differences in
credit purposes of young and middle-age respondents
have been detected. Persons from 18 to 25 years took
credit oftener for the purchase of luxury items (phone,
furniture, PCs, TVs, home appliances). For borrowers
from 35 to 45 years is typical to take on credits for
purchase of real estate, investment in business,
immediate needs – payment of medical services, repair
of apartments, repayment of credit