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Det goda lånet : en tillämpad kulturanalytisk studie av idén om det goda lånet och den goda låntagaren

Knutsson, Julia LU (2014) TKAM02 20141
Division of Ethnology
Abstract (Swedish)
Loans play an important part in how individuals fulfill their goals in the Swedish society. It makes it possible for people to buy a house or get an education, things that might have been impossible without the possibility of taking a loan. A loan also comes with obligations and restrictions on the loan takers life, paying off a loan can take a lifetime and it requires that the loan taker become something that they previously were not, a person in debt to a financial institution. The ideas of value of loans and being a loan taker are complex and are currently undergoing a change, a change that for the first time is being analyzed by the use of ethnographic methods such as interviews and a focus group. Through the use of Ian Hackings... (More)
Loans play an important part in how individuals fulfill their goals in the Swedish society. It makes it possible for people to buy a house or get an education, things that might have been impossible without the possibility of taking a loan. A loan also comes with obligations and restrictions on the loan takers life, paying off a loan can take a lifetime and it requires that the loan taker become something that they previously were not, a person in debt to a financial institution. The ideas of value of loans and being a loan taker are complex and are currently undergoing a change, a change that for the first time is being analyzed by the use of ethnographic methods such as interviews and a focus group. Through the use of Ian Hackings theories regarding social construction, I analyze the ideas loan takers have regarding loans and being a loan taker and the ongoing changes that these entail. The ideas of the good loan and what it means to be a good loan takers in contemporary Sweden influence how the loan taker perceive themselves in relation to their loans but also how they perceive others. I analyze this through three themes: Debt, Risk and Value. In this study I found that the ideas around debt, risk and value are undergoing changes that will pose difficulties for the bank in within 5-10 year where the personal subjective values of loans are starting to overshadow the economic objective values. People are also more inclined to move around in the flexible society and therefor there will be a need to create flexible loans. Last, in the Swedish society people have become more dependent on family, friends and banks in association with loan taking while striving for independence which is causing discomfort. (Less)
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author
Knutsson, Julia LU
supervisor
organization
course
TKAM02 20141
year
type
H2 - Master's Degree (Two Years)
subject
keywords
Loan, Loan taking, Debt, Risk, Value, Social construction, Flexibility, Swedish loan practices, Applied cultural analysis, Ideas of loan taking
language
Swedish
id
4537011
date added to LUP
2014-08-27 09:27:14
date last changed
2014-08-27 09:27:14
@misc{4537011,
  abstract     = {Loans play an important part in how individuals fulfill their goals in the Swedish society. It makes it possible for people to buy a house or get an education, things that might have been impossible without the possibility of taking a loan. A loan also comes with obligations and restrictions on the loan takers life, paying off a loan can take a lifetime and it requires that the loan taker become something that they previously were not, a person in debt to a financial institution. The ideas of value of loans and being a loan taker are complex and are currently undergoing a change, a change that for the first time is being analyzed by the use of ethnographic methods such as interviews and a focus group. Through the use of Ian Hackings theories regarding social construction, I analyze the ideas loan takers have regarding loans and being a loan taker and the ongoing changes that these entail. The ideas of the good loan and what it means to be a good loan takers in contemporary Sweden influence how the loan taker perceive themselves in relation to their loans but also how they perceive others. I analyze this through three themes: Debt, Risk and Value. In this study I found that the ideas around debt, risk and value are undergoing changes that will pose difficulties for the bank in within 5-10 year where the personal subjective values of loans are starting to overshadow the economic objective values. People are also more inclined to move around in the flexible society and therefor there will be a need to create flexible loans. Last, in the Swedish society people have become more dependent on family, friends and banks in association with loan taking while striving for independence which is causing discomfort.},
  author       = {Knutsson, Julia},
  keyword      = {Loan,Loan taking,Debt,Risk,Value,Social construction,Flexibility,Swedish loan practices,Applied cultural analysis,Ideas of loan taking},
  language     = {swe},
  note         = {Student Paper},
  title        = {Det goda lånet : en tillämpad kulturanalytisk studie av idén om det goda lånet och den goda låntagaren},
  year         = {2014},
}