{"title":"The Socioecological Psychology of Financial Debts: The Role of Residential Mobility","authors":"Shigehiro Oishi, Asuka Komiya, Minkyung Koo, Youngjae Cha, Radhika Kothari","doi":"10.1177/00220221231204221","DOIUrl":null,"url":null,"abstract":"We examined individual, regional, and cultural differences in household debts and identified residential mobility as a key socioecological variable at multiple levels of analysis. Study 1 found that American households’ debt rates were higher than Japanese debt rates. Across 76 countries, household debts were higher in residentially mobile countries than those in residentially stable ones (Study 2). Next, across 144 U.S. cities, residents of residentially mobile cities had more credit card debts than those of residentially stable cities (Study 3). We further replicated the international and U.S. findings across 366 districts in India (Study 4). Study 5 found that American participants were more residentially mobile and more willing to borrow than Japanese participants, and the willingness to borrow was partly explained by the personal history of residential mobility. Study 6 found that residentially mobile individuals felt less indebtedness/gratitude than residentially stable individuals; the study also found how indebtedness/gratitude impacted individuals’ credit card debts and willingness to borrow.","PeriodicalId":48354,"journal":{"name":"Journal of Cross-Cultural Psychology","volume":null,"pages":null},"PeriodicalIF":2.4000,"publicationDate":"2023-11-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Cross-Cultural Psychology","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1177/00220221231204221","RegionNum":3,"RegionCategory":"心理学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"PSYCHOLOGY, SOCIAL","Score":null,"Total":0}
引用次数: 0
Abstract
We examined individual, regional, and cultural differences in household debts and identified residential mobility as a key socioecological variable at multiple levels of analysis. Study 1 found that American households’ debt rates were higher than Japanese debt rates. Across 76 countries, household debts were higher in residentially mobile countries than those in residentially stable ones (Study 2). Next, across 144 U.S. cities, residents of residentially mobile cities had more credit card debts than those of residentially stable cities (Study 3). We further replicated the international and U.S. findings across 366 districts in India (Study 4). Study 5 found that American participants were more residentially mobile and more willing to borrow than Japanese participants, and the willingness to borrow was partly explained by the personal history of residential mobility. Study 6 found that residentially mobile individuals felt less indebtedness/gratitude than residentially stable individuals; the study also found how indebtedness/gratitude impacted individuals’ credit card debts and willingness to borrow.
期刊介绍:
Journal of Cross-Cultural Psychology publishes papers that focus on the interrelationships between culture and psychological processes. Submitted manuscripts may report results from either cross-cultural comparative research or results from other types of research concerning the ways in which culture (and related concepts such as ethnicity) affect the thinking and behavior of individuals as well as how individual thought and behavior define and reflect aspects of culture. Review papers and innovative reformulations of cross-cultural theory will also be considered. Studies reporting data from within a single nation should focus on cross-cultural perspective. Empirical studies must be described in sufficient detail to be potentially replicable.