Den som tar lån betalar med bekymmer: en tvärsnittsstudie av sambanden mellan finansiell förmåga, ensamhet, känsla av sammanhang och konsumtionslån
(2025) PSPR14 20251Department of Psychology
- Abstract (Swedish)
- Svenskarnas skuldberg växer och unga vuxna svenskar tar konsumtionslån i allt större utsträckning. Det är oklart vad denna ökning beror på, men det är möjligt att psykologiska variabler spelar in. Syftet med denna tvärsnittsstudie var därför att undersöka sambanden mellan finansiell förmåga, ensamhet och känsla av sammanhang (KASAM) samt deras förmåga att predicera benägenheten att ta konsumtionslån. Konsumtionslån undersöktes utifrån 1) att ha tagit konsumtionslån för mer än 18 månader sedan och 2) att ha tagit konsumtionslån utan att ha undersökt eller förstått villkoren. Vidare undersöktes om dessa samband kvarstod vid kontroll för kön och utbildningsnivå. Studien baserades på en enkät som besvarades av unga vuxna (n = 2057) i åldrarna... (More)
- Svenskarnas skuldberg växer och unga vuxna svenskar tar konsumtionslån i allt större utsträckning. Det är oklart vad denna ökning beror på, men det är möjligt att psykologiska variabler spelar in. Syftet med denna tvärsnittsstudie var därför att undersöka sambanden mellan finansiell förmåga, ensamhet och känsla av sammanhang (KASAM) samt deras förmåga att predicera benägenheten att ta konsumtionslån. Konsumtionslån undersöktes utifrån 1) att ha tagit konsumtionslån för mer än 18 månader sedan och 2) att ha tagit konsumtionslån utan att ha undersökt eller förstått villkoren. Vidare undersöktes om dessa samband kvarstod vid kontroll för kön och utbildningsnivå. Studien baserades på en enkät som besvarades av unga vuxna (n = 2057) i åldrarna 18-29 år. Korrelationsanalyser och Chi²-test genomfördes för att undersöka samband mellan finansiell förmåga, ensamhet, KASAM och konsumtionslån. Resultatet visade på signifikanta korrelationer mellan alla variabler. Vidare genomfördes logistiska regressionsanalyser för att identifiera den starkaste prediktorn för att ha tagit konsumtionslån. Finansiell förmåga visade sig vara den starkaste prediktorn för att ta konsumtionslån, särskilt i relation till att ta konsumtionslån utan att undersöka eller förstå villkoren. Även ensamhet visade sig vara en signifikant prediktor. Vid kontroll för kön och utbildning kvarstod sambanden. Studien påvisade också att sannolikheten för män att ha tagit konsumtionslån var dubbelt så hög jämfört med kvinnor. Resultaten pekar på att psykologiska faktorer kan spela en roll när det kommer till att ta konsumtionslån. Det är dock inte klarlagt exakt hur dessa samband ser ut, och därför krävs fortsatt forskning på ämnet. (Less)
- Abstract
- In Sweden, the amount of young people taking consumption loans is growing. The reasons behind this increase are unclear, and could potentially be explained by psychological factors, rather than economic ones. The purpose of this cross-sectional study was therefore to examine the relationships between financial literacy, loneliness, and sense of coherence (SOC) and their ability to predict the likelihood of taking consumption loans. Consumption loans were investigated based on 1) having taken a consumption loan more than 18 months ago and 2) having taken a consumption loan without investigating or understanding the terms. Furthermore, these relationships were examined when controlling for gender and education level. The study was based on a... (More)
- In Sweden, the amount of young people taking consumption loans is growing. The reasons behind this increase are unclear, and could potentially be explained by psychological factors, rather than economic ones. The purpose of this cross-sectional study was therefore to examine the relationships between financial literacy, loneliness, and sense of coherence (SOC) and their ability to predict the likelihood of taking consumption loans. Consumption loans were investigated based on 1) having taken a consumption loan more than 18 months ago and 2) having taken a consumption loan without investigating or understanding the terms. Furthermore, these relationships were examined when controlling for gender and education level. The study was based on a survey answered by young adults (n = 2057) aged 18-29. Correlation analyses were conducted to explore the relationships between financial literacy, loneliness, SOC, and consumption loans. The results showed significant correlations between all variables. Additionally, logistic regression analyses were conducted to identify the strongest predictor of taking consumption loans. Having financial literacy was the strongest predictor for taking consumption loans, especially in relation to having taken consumer loans without investigating or understanding the terms. Loneliness also proved significant. When controlling for gender and education, the relationships persisted. The study also showed that men were twice as likely to have taken consumption loans compared to women. The results suggest that psychological factors may play a role in taking consumption loans. However, it is not yet clear exactly how these relationships are formed, and further research on the topic is therefore required. (Less)
Please use this url to cite or link to this publication:
http://lup.lub.lu.se/student-papers/record/9191480
- author
- Bjarup Nehlin, Antonia LU and Pröjts Erlandsson, Signe LU
- supervisor
- organization
- course
- PSPR14 20251
- year
- 2025
- type
- H3 - Professional qualifications (4 Years - )
- subject
- keywords
- Finansiell förmåga, konsumtionslån, ensamhet, KASAM, financial literacy, consumption loans, loneliness, sense of coherence
- language
- Swedish
- id
- 9191480
- date added to LUP
- 2025-06-12 08:13:44
- date last changed
- 2025-06-12 08:13:44
@misc{9191480,
abstract = {{In Sweden, the amount of young people taking consumption loans is growing. The reasons behind this increase are unclear, and could potentially be explained by psychological factors, rather than economic ones. The purpose of this cross-sectional study was therefore to examine the relationships between financial literacy, loneliness, and sense of coherence (SOC) and their ability to predict the likelihood of taking consumption loans. Consumption loans were investigated based on 1) having taken a consumption loan more than 18 months ago and 2) having taken a consumption loan without investigating or understanding the terms. Furthermore, these relationships were examined when controlling for gender and education level. The study was based on a survey answered by young adults (n = 2057) aged 18-29. Correlation analyses were conducted to explore the relationships between financial literacy, loneliness, SOC, and consumption loans. The results showed significant correlations between all variables. Additionally, logistic regression analyses were conducted to identify the strongest predictor of taking consumption loans. Having financial literacy was the strongest predictor for taking consumption loans, especially in relation to having taken consumer loans without investigating or understanding the terms. Loneliness also proved significant. When controlling for gender and education, the relationships persisted. The study also showed that men were twice as likely to have taken consumption loans compared to women. The results suggest that psychological factors may play a role in taking consumption loans. However, it is not yet clear exactly how these relationships are formed, and further research on the topic is therefore required.}},
author = {{Bjarup Nehlin, Antonia and Pröjts Erlandsson, Signe}},
language = {{swe}},
note = {{Student Paper}},
title = {{Den som tar lån betalar med bekymmer: en tvärsnittsstudie av sambanden mellan finansiell förmåga, ensamhet, känsla av sammanhang och konsumtionslån}},
year = {{2025}},
}