Study title

Experiences of Unsecured Consumer Loans 2018-2019

Dataset ID Number

FSD3326

Persistent identifiers

https://urn.fi/urn:nbn:fi:fsd:T-FSD3326
https://doi.org/10.60686/t-fsd3326

Data Type

Qualitative

Authors

• Iivonen, Saija (Tampere University. Faculty of Social Sciences)

Abstract

The data, collected as free text responses from participants, chart reasons for and experiences of applying for unsecured consumer loans. Twenty people participated in the study.

The participants were asked why they had applied for unsecured consumer loans (payday loans or "quick loans") offered by other institutions than traditional banks. The reasons ranged from various life situations, unexpected costs and slow working of the social support system. Some participants also wrote about the repayment of the loans.

Background information included the participants' gender, year of birth, place of residence as well as their age and education level at the time they had applied for the loan.

The dataset is only available in Finnish.

Keywords

consumers; debts; expenditure; income; loans; personal debt repayment; personal finance management

Topic Classification

• Social sciences (Fields of Science Classification)
• Consumption and consumer behaviour (CESSDA Topic Classification)
• Income, property and investment/saving (CESSDA Topic Classification)
• Equality, inequality and social exclusion (CESSDA Topic Classification)

Series

Individual datasets

Distributor

Finnish Social Science Data Archive

Access

The dataset is (C) available only for research including master's theses.

Data Collector

• Iivonen, Saija (Tampere University. Faculty of Social Sciences)

Collection Dates

2018-12-21 – 2019-02-07

Nation

Finland

Geographical Coverage

Finland

Analysis/Observation Unit Type

Individual

Universe

People who had applied for an unsecured consumer loan

Time Method

Cross-section

Sampling Procedure

Non-probability: Availability

The participants were recruited through the Guarantee Foundation and on social media.

Collection Mode

Self-administered writings and/or diaries: Web-based (Penna textual data collection tool)

Research Instrument

Data collection guidelines: Self-administered writings guide

Data Files

20 text responses as separate files. The data are available in both TXT and HTML formats.

Data File Language

The data files of this dataset are available in the following languages: Finnish.

Qualitative data are available in their original language only and are not translated.

Data Version

1.0

Completeness of Data and Restrictions

There were no identifiers in the data. All participants gave their consent for archiving the responses.

Citation Requirement

The data and its creators shall be cited in all publications and presentations for which the data have been used. The bibliographic citation may be in the form suggested by the archive or in the form required by the publication.

Bibliographical Citation

Iivonen, Saija (Tampere University): Experiences of Unsecured Consumer Loans 2018-2019 [dataset]. Version 1.0 (2019-07-10). Finnish Social Science Data Archive [distributor]. https://urn.fi/urn:nbn:fi:fsd:T-FSD3326

Deposit Requirement

Notify FSD of all publications where you have used the data by sending the citation information to user-services.fsd@tuni.fi.

Disclaimer

The original data creators and the archive bear no responsibility for any results or interpretations arising from the reuse of the data.

Related Publications

Iivonen, Saija (2019) Miksi suomalaiset tukeutuvat vakuudettomaan kulutusluottoon sosiaaliturvan sijaan - Analyysi kulutusluoton ottaneilta kerätystä kirjoitusaineistosta. Tampere: Tampereen yliopisto. Sosiaalipolitiikan kandidaatintutkielma.