Socioekonomski i sociodemografski profil zaduženih kućanstava u hrvatskom društvu

Vincelj, Deana. (2017). Socioekonomski i sociodemografski profil zaduženih kućanstava u hrvatskom društvu. Diploma Thesis. Filozofski fakultet u Zagrebu, Department of Sociology. [mentor Rodik, Petra].

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Abstract

This paper analyzes the phenomenon of indebtedness, ist origin and meaning, but the main focus is the construction of socio-economic and socio-demographic profile of debtors. The main hypothesis of this paper is that there is a difference in household indebtedness with regard to the socio-economic and socio-demographic characteristics. Different meanings that actors attach to their actions we interpret through Boudon's cognitive theory of action and Bourdieu's theory of cultural reproduction. Data from the research "The typology of survival strategies and sources of income economically (partially) inactive households" conducted in 2014 on a national representative sample, used in this research, suggest that the majority of the independent variables make a difference in the amount of indebtedness or are correlated with it. To measure indebtedness, we've constructed Index of total indebtedness, which measures the proportion of monthly expenditures for debt in total monthly household income. The range of variation of the Index of total indebtedness goes from 0% to 240% of the monthly income, while 48% of households in the sample has a score greater than 0%. Results indicate that households from urban area have higher average of indebtedness than households from rural area, and that households from Zagreb are more indebted than any other region. Married respondents are more indebted than widows. A larger number of household members and minor children are associated with greater indebtedness, while single households, especially those with member older than 65 are less indebted than other types of households. Employed members and especially managers have higher average of indebtedness than other professions. Higher income, additional real estate and larger number of cars means higher indebtedness, compared to other categories.

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