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Psychologist
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On the question of lending to individuals with different level of self-actualization

Kireeva Oxana Vasil'evna

PhD in Psychology

associate professor of the Department of Social Psychology and Sociology of Management, Faculty of Management and Psychology at Kuban State University

350040, Russia, Krasnodar Region, Krasnodar, str. Stavropol'skaya, 149, room No. 436

OKSANA-KIREEVA@mail.ru
ƒругие публикации этого автора
 

 

DOI:

10.25136/2409-8701.2021.5.29507

Review date:

12-04-2019


Publish date:

03-12-2021


Abstract: The subject of this research is the indicators of attitude on the lending to individuals with different level of self-actualization. This article examines the differences in attitudes to lending among individuals with different levels of self-actualization. The hypothesis was tested that the higher is the level of self-actualization, the more is the likelihood of referring to constructive ways of coping with the loan debt. For verification of the hypothesis, the article employs the questionnaire “Attitude to Loans” (A. N. Demin, O. V. Kireeva, E. Y. Pedanova), Self-actualization test (SAT) by E. Shostrom (adapted by Y. E. Aleshin, L. Y. Gozman, M. V. Zagika and M. V. Kroz). The link is established between certain indicators of self-actualization, awareness and motiv for lending. It is determined that self-actualizing individuals are willing to render financial assistance in form of loans to others; while individuals with low level of self-actualization are not willing to take on a loan for others. The conclusion is made that the borrowers with low indicators of self-actualization are characterized with low level of self-acceptance, spontaneity and resistance to aggression; they are aware of the experience of relatives and friends in receiving loans; the believe that loan would help them to accomplish their dream in the nearest future and not willing to take on loan to solve other people's problems. In the subgroup of the borrowers with high level of self-actualization correlation is established between the indicators of self-actualization that characterize the peculiarities of worldview and creativity of self-actualizing personality, awareness and motives for lending. The representatives of the subgroup “pseudo-self-actualization” are characterized with low level of creativity and fear to take on loans. The acquired results can be implemented within the framework of correctional and developmental work with the borrowers and debtors.


Keywords: borrower, crediting situation, person, personal default, ways to overcome the situation, attitudes towards loans, self-actualization, coping behavior, coping with over-indebtedness, economic psychology
This article written in Russian. You can find full text of article in Russian here .

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