The Influence of Financial Well-Being on Pawnshop Use
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 odd...
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| Published in | The Journal of consumer affairs Vol. 53; no. 4; pp. 1674 - 1692 |
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| Main Authors | , |
| Format | Journal Article |
| Language | English |
| Published |
Malden, USA
Wiley
01.12.2019
Wiley Periodicals, Inc Blackwell Publishing Ltd |
| Subjects | |
| Online Access | Get full text |
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| Abstract | 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. |
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| AbstractList | 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. |
| Author | NICOLINI, GIANNI CUDE, BRENDA J. |
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| Cites_doi | 10.2139/ssrn.2634584 10.1111/jors.12144 10.3386/w18969 10.1080/07418825.2014.959036 10.2307/1992765 10.1093/geront/gnx119 10.1007/s10693‐014‐0202‐x 10.1377/hlthaff.2017.1219 10.1353/eca.2011.0002 10.1177/0022427803258384 10.1007/s1210‐013‐9228‐0 10.1111/joca.12071 10.1111/j.1467‐9906.2011.00553.x 10.1111/joca.12072 10.2139/ssrn.2577285 |
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| Snippet | 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... 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... |
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| SubjectTerms | Banking Credit cards Economic well being Financial Literacy and Education Pawn shops Well being |
| Title | The Influence of Financial Well-Being on Pawnshop Use |
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