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Skuldsatt och utsatt. Inverkan av psykologiska mekanismer och samhälleliga instanser på psykisk ohälsa hos överskuldsatta i Sverige

Nilsson Sundström, Emma LU and Holmgren, Rebecka LU (2016) PSPT02 20152
Department of Psychology
Abstract
The present study examined psychological mechanisms in order to increase knowledge regarding mental illness amongst 647 over-indebted individuals in Sweden. Differences were explored between individuals with probable clinical depression and/or anxiety and individuals without probable clinical depression and/or anxiety considering objective measurements of the debt, financial strain, coping, contact with the Swedish Enforcement Agency and financial advisors as well as demographic variables. Moreover, interactions within these variables were investigated. In order to collect the data HADS, Brief COPE as well as questions formulated by the research team were used as measurements. Prominent results showed that over-indebted individuals with... (More)
The present study examined psychological mechanisms in order to increase knowledge regarding mental illness amongst 647 over-indebted individuals in Sweden. Differences were explored between individuals with probable clinical depression and/or anxiety and individuals without probable clinical depression and/or anxiety considering objective measurements of the debt, financial strain, coping, contact with the Swedish Enforcement Agency and financial advisors as well as demographic variables. Moreover, interactions within these variables were investigated. In order to collect the data HADS, Brief COPE as well as questions formulated by the research team were used as measurements. Prominent results showed that over-indebted individuals with probable clinical depression and/or anxiety were younger, showed greater levels of financial strain, used adaptive coping strategies to a lesser extent and maladaptive coping strategies to a greater extent. Furthermore, the results indicate that the experience of the treatment when in contact with budget and debt advisors, as well as the outcome of a debt settlement application was of importance for depression, anxiety, financial strain and coping. Additionally, coping showed impact on levels of reported financial strain. These results put emphasis on the importance of adaptive coping, a positive treatment when seeking help as well as the psychological exposure of over-indebted individuals. (Less)
Abstract (Swedish)
Psykisk ohälsa är vanligt förekommande bland överskuldsatta individer. Föreliggande enkätstudie studerade psykologiska mekanismer som kan öka förståelsen för psykisk ohälsa hos överskuldsatta i Sverige. Deltagarna (n=647) rekryterades via Kronofogden, Yrkesföreningen för budgetrådgivare samt Insolvens – Riksförbundet för överskuldsatta. Skillnader undersöktes inom gruppen överskuldsatta mellan individer med sannolik klinisk depression och/eller ångest och individer utan sannolik klinisk depression och/eller ångest avseende objektiva mått på skulden, upplevd finansiell påfrestning, coping, kontakt med samhälleliga instanser samt demografiska variabler. Därutöver undersöktes samspelet mellan dessa faktorer. Mätinstrument som användes var... (More)
Psykisk ohälsa är vanligt förekommande bland överskuldsatta individer. Föreliggande enkätstudie studerade psykologiska mekanismer som kan öka förståelsen för psykisk ohälsa hos överskuldsatta i Sverige. Deltagarna (n=647) rekryterades via Kronofogden, Yrkesföreningen för budgetrådgivare samt Insolvens – Riksförbundet för överskuldsatta. Skillnader undersöktes inom gruppen överskuldsatta mellan individer med sannolik klinisk depression och/eller ångest och individer utan sannolik klinisk depression och/eller ångest avseende objektiva mått på skulden, upplevd finansiell påfrestning, coping, kontakt med samhälleliga instanser samt demografiska variabler. Därutöver undersöktes samspelet mellan dessa faktorer. Mätinstrument som användes var HADS, Brief COPE samt egenformulerade frågor. Anmärkningsvärda resultat var att överskuldsatta med depression och/eller ångest var yngre, uppvisade högre grad av upplevd finansiell påfrestning samt i mindre utsträckning använde sig av adaptiva copingstrategier och i högre utsträckning av maladaptiva copingstrategier. Vidare indikerar resultaten att upplevelsen av bemötandet hos budget- och skuldrådgivningen samt respons på skuldsaneringsansökan har betydelse för depression, ångest, graden av upplevd finansiell påfrestning samt coping. Coping inverkade även på graden av upplevd finansiell påfrestning. Huruvida överskuldsättning föregår psykisk ohälsa eller tvärtom kvarstår att studera. Resultaten belyser vikten av adaptiv coping, betydelsen av ett positivt bemötande vid hjälpsökande samt överskuldsattas psykiska utsatthet. Dessa aspekter bör beaktas i mötet med, och i debatten kring, överskuldsättning. (Less)
Please use this url to cite or link to this publication:
author
Nilsson Sundström, Emma LU and Holmgren, Rebecka LU
supervisor
organization
course
PSPT02 20152
year
type
H3 - Professional qualifications (4 Years - )
subject
keywords
Brief COPE, HADS, ångest, depression, skuldsättning, överskuldsättning, upplevd finansiell påfrestning, coping, budgetoch skuldrådgivning, Kronofogden, ekonomi, over-indebtedness, anxiety, financial strain, financial counselling, debt settlement
language
Swedish
id
8519600
date added to LUP
2016-01-15 09:05:47
date last changed
2016-01-21 13:57:41
@misc{8519600,
  abstract     = {The present study examined psychological mechanisms in order to increase knowledge regarding mental illness amongst 647 over-indebted individuals in Sweden. Differences were explored between individuals with probable clinical depression and/or anxiety and individuals without probable clinical depression and/or anxiety considering objective measurements of the debt, financial strain, coping, contact with the Swedish Enforcement Agency and financial advisors as well as demographic variables. Moreover, interactions within these variables were investigated. In order to collect the data HADS, Brief COPE as well as questions formulated by the research team were used as measurements. Prominent results showed that over-indebted individuals with probable clinical depression and/or anxiety were younger, showed greater levels of financial strain, used adaptive coping strategies to a lesser extent and maladaptive coping strategies to a greater extent. Furthermore, the results indicate that the experience of the treatment when in contact with budget and debt advisors, as well as the outcome of a debt settlement application was of importance for depression, anxiety, financial strain and coping. Additionally, coping showed impact on levels of reported financial strain. These results put emphasis on the importance of adaptive coping, a positive treatment when seeking help as well as the psychological exposure of over-indebted individuals.},
  author       = {Nilsson Sundström, Emma and Holmgren, Rebecka},
  keyword      = {Brief COPE,HADS,ångest,depression,skuldsättning,överskuldsättning,upplevd finansiell påfrestning,coping,budgetoch skuldrådgivning,Kronofogden,ekonomi,over-indebtedness,anxiety,financial strain,financial counselling,debt settlement},
  language     = {swe},
  note         = {Student Paper},
  title        = {Skuldsatt och utsatt. Inverkan av psykologiska mekanismer och samhälleliga instanser på psykisk ohälsa hos överskuldsatta i Sverige},
  year         = {2016},
}