The Influence of Financial Well-Being on Pawnshop Use

被引：11

作者：

Nicolini, Gianni ^{[1
]}

Cude, Brenda J. ^{[2
]}

机构：

[1] Univ Roma Tor Vergata, Fac Econ, Dept Management & Law, Finance, Rome, Italy

[2] Univ Georgia, Dept Financial Planning Housing & Consumer Econ, Coll Family & Consumer Sci, Family & Consumer Sci, Athens, GA 30602 USA

来源：

JOURNAL OF CONSUMER AFFAIRS | 2019年 / 53卷 / 04期

关键词：

FRINGE BANKING; NEIGHBORHOOD CRIME;

D O I：

10.1111/joca.12244

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

This research examined the influence of financial well-being on pawnshop use. Data from the 2015 National Financial Capability Study were used to construct a measure of financial well-being, based on the Consumer Financial Protection Bureau's definition. A higher financial well-being reduced the odds of pawnshop use by 17%, even after controlling for having a bank account, having a credit card, being financially overconfident, proximity to local pawnshops, and selected demographic characteristics. The authors make recommendations for future research based on changes in the pawnshop industry and its users.

引用

页码：1674 / 1692

页数：19

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