University of Twente Student Theses


Predicting the completion of Debt Management Plans in Credit Counselling

Noordkamp, A. (2017) Predicting the completion of Debt Management Plans in Credit Counselling.

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Abstract:This research was conducted in response to an investigation about a screening product for debt management plans(DMPs). The screening product appeared not possible to predict if someone is going to complete a DMP with the screening product, partly because no theory with clear predictors has been used. In this study, it has been investigated whether the theory of planned behaviour with addition of the variable financial risk tolerance has the ability to predict DMP completion in a better way than the original screening product. The items from the screening product are viewed and assigned to the dimensions of the model of this study. Based on a factor and reliability analyse, reliable scales have been constructed. A regression analysis analysed the model's predictive ability. A more positive attitude toward DMPs, a higher subjective norm(appreciation of important people in the environment) compared to DMPs and a lower financial risk tolerance, predicted a higher intention to complete the DMPs. The intention did not affect the actual behaviour of completing a DMP. However, the determinants attitude and perceived behavioural control did. The more positive the attitude and the higher the perceived behavioural control, the greater the chance of completing a DMP.
Item Type:Essay (Master)
Faculty:BMS: Behavioural, Management and Social Sciences
Subject:70 social sciences in general, 77 psychology
Programme:Psychology MSc (66604)
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