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10.04.2018
2018-04-10
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Marina Levicheva
Researchers have long said that there is a gender gap in financial matters. For example, if we are talking about high-risk investments, women are generally more cautious than men. However, in relation to the debts remained unclear, plays here the role of the gender or not. Up until this point, because recently researchers found out that in debt men and women behave differently.
In the course of the study, which was published in the journal of Consumer Consumer Affairs, researchers found that men are more likely to borrow to buy luxuries, while women see duty more as a way to make ends meet, when other options are not working.
“We found that gender greatly affects the attitude toward debt, says Esselbach Mary Hansen (Mary Eschelbach Hansen), the study’s lead author and Professor of Economics, American University (American University). — When women see others, faced with financial problems or unemployment, or when women themselves have such experience, they come to start to consider debt as a tool that facilitates the smoothing of the situation. And indeed they have less temptation than men to use debt to buy luxury items.”
As reported by Psych Central, the study used data from the consumer survey collected in the period from 2004 to 2013. With particular attention to the purity of the experiment, the researchers gave the men and women who have never been married. The researchers compared the responses of participants of both sexes about their attitudes towards borrowing money with the aim of improving the quality of life and purchase a luxury things without which it would be quite possible to do. They also looked at how the behavior and mindset of the respondents affected by the economic crisis.
“Since women have observed negative effects of the crisis and for other women, it only strengthened their belief that loans are reasonable to use to overcome gaps in income, — the authors of the study. But what is perhaps even more important is the fact that the economic crisis followed by unemployment made women more wary to go into debt to purchase things are nonessential. And this way of thinking, by the way, is the reason why the financial situation of single women compared to single men, on average, better.”
Thus, American researchers good news for the fair sex: as women generally use debt to optimize the consumption, they are more protected in the sense of overall well-being. In addition, women, scientists believe, have greater potential for financial savings, thereby minimizing their financial has in old age.
On the basis of the obtained data was also an important social conclusion. As all the above applies to women, never married, this suggests that financial stability, increase the weight of women in a future marriage, thereby reducing the magnitude of domestic violence and improving the statistics of divorce.
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