Изследване на нагласите за плащане на кредити към финансови институции, в контекста на събиране на вземания
An Exploration of Attitudes towards Repaying Loans to Financial Institutions in the Context of Debt Collections

Author(s): Yasen Dimitrov
Subject(s): Social Sciences, Economy, National Economy, Business Economy / Management, Sociology, Evaluation research, Management and complex organizations, Financial Markets, Socio-Economic Research
Published by: Университет за национално и световно стопанство (УНСС)
Keywords: attitudes; decision-making; nudge; debt collection
Summary/Abstract: The report presents a study conducted in 2021 through a survey that aims to reveal some of the attitudes of individuals as users of financial lending. The survey was conducted among 375 respondents living and working in the Republic of Bulgaria. The questions in the survey aim at revealing certain mental attitudes and are asked in a way that can be related to certain decision-making mechanisms presented in the concept of "Nudge". The survey focuses on a few key mindsets that frequently underpin consumer behavior that leads to arrears and increased debt to the lender. The motivation for payment, the factors that influence the choice to stop paying, and the decision-making mechanisms in the presence of several obligations to different creditors are all being investigated. The report gives a brief description of these attitudes and offers practical approaches for influencing them in the collection practices of financial institutions.

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