Building a Model of the Impact of Credit Load on the Political Behavior of Russian Citizens
Research Article
How to Cite
Parma R.V., Kozlov N.A. Building a Model of the Impact of Credit Load on the Political Behavior of Russian Citizens. Vlast’ (The Authority). 2021. Vol. 29. No. 3. P. 76-85. DOI: https://doi.org/10.31171/vlast.v29i3.8143 (in Russ.).
Abstract
This article examines the impact of credit obligations of citizens on their cognitive attitudes and political behavior. Based on the statistics of the Central Bank of the Russian Federation, the cyclical nature of the development of the retail lending market is determined, which leads to a periodic increase in the risks of destabilizing the political situation. By analyzing the results of scientific research, the authors show how difficulties in paying off credit debt can provoke a state of stress, emotions of anxiety and anger, form pessimistic attitudes about the future, and cause political manifestations of discontent and protest. The article defines the main variables of the dynamic model of the relationship between the credit load and the political behavior of citizens.
Keywords:
credit load; debt burden of citizens; financial borrowers; political behavior; cognitive attitudes; emotions of individuals; protest moods
References
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Tikhonov A.A. 2019. Dinamika finansovogo i potrebitel'skogo povedeniya rossiyan v 2003–2018 gg. – Journal of Institutional Studies. Vol. 11. No. 3. P. 153-169.
Brader T. 2005. Striking a Responsive Chord: How Political Ads Motivate and Persuade Voters by Appealing to Emotions. – American Journal of Political Science. Vol. 49. No. 2. P. 388-405.
Bridges S., Disney R. 2010. Debt and Depression. – Journal of Health Economics. Vol. 29. No. 3. P. 388-403.
Fiksenbaum L., Marjanovic Z., Greenglass E. 2017. Financial Threat and Individuals’ Willingness to Change Financial Behavior. – Review of Behavioral Finance. Vol. 9. No. 2. P. 128-147.
Gurr T. 1970. Why Men Rebel. Princeton: Princeton University Press.
Hodson R., Dwyer R.E., Neilson L.A. 2014. Credit Card Blues: The Middle Class and the Hidden Costs of Easy Credit. – The Sociological Quarterly. Vol. 55. No. 2. P. 315-340.
Huddy L., Feldman S., Cassese E. 2007. On the Distinct Political Effect of Anxiety and Anger. – The Affect Effect: Dynamics of Emotion in Political Thinking and Behavior (ed. by G.E. Marcus, W.R. Neuman, M. MacKuen). Chicago: The University of Chicago Press.
Katona G. 1975. Psychological Economics. N.Y.: Elsevier Scientific Publishing Company.
Meltzer H. 2011. Personal Debt and Suicidal Ideation. – Psychological Medicine. Vol. 42. P. 771-778.
Mian A., Sufi A. 2018. Finance and Business Cycles: The Credit-Driven Household Demand Channel. – Journal of Economic Perspectives. Vol. 32. No. 3. P. 31-58.
Novikov O.G., Kozlov N. 2020. Growing Household Credit Load through the Prism of Social Perception, Credit and Political Attitudes of Russians. – Review of Business and Economics Studies. Vol. 8. No. 4. P. 19-32.
Pickard S., Bessant J. 2018. France’s #Nuit Debout Social Movement: Young People Rising up and Moral Emotions. – Societies. Vol. 8. No. 4.
Starrin B., Åslund C., Nilsson K.W. 2009. Financial Stress, Shaming Experiences and Psychosocial Ill-Health. – Social Indicators Research. Vol. 91. P. 283-298.
Sweet E., Kuzawa C.W., McDade T.W. 2018. Short-term Lending: Payday Loans as Risk Factors for Anxiety, Inflammation and Poor Health. – SSM – Population Health. No. 5. P. 114-121.
Valentino N.A., Brader T., Groenendyk E.W., Gregorowicz K., Hutchings V.L. 2011. Election Night’s Alright for Fighting: The Role of Emotions in Political Participation. – The Journal of Politics. Vol. 73. No. 1. P. 156-170.
van Stekelenburg J., Klandermans B. 2017. Individuals in Movements: A Social Psychology of Contention. – Handbook of Social Movements across Disciplines (ed. by C. Roggeband, B. Klandermans). Springer, Cham.
van Zomeren M., Spears R., Fischer A.H., Leach C.W. 2004. Put Your Money Where Your Mouth Is! Explaining Collective Action Tendencies through Group-Based Anger and Group Efficacy. – Journal of Personality and Social Psychology. Vol. 87. No. 5. P. 649-664.
Wahl‐Jorgensen K. 2018. Towards a Typology of Mediated Anger: Routine Coverage of Protest and Political Emotion. – International Journal of Communication. No. 12. P. 2071-2087.
Witte C.T., Burger M.J., Ianchovichina E. 2020. Subjective Well-Being and Peaceful Uprisings. – KYKLOS. Vol. 73. No. 1. P. 120-158.
Golikov N.A., Golikov I.N., Yumanova N.N. 2016. Dolgovaya nagruzka naseleniya i risk suitsidal'nogo povedeniya: est' li svyaz'? (Chast' I. Federal'nyi uroven'). – Suitsidologiya. T. 7. № 4(25). S. 72-83. (RUS.)
Kozlov N.A. 2020. Politicheskie riski dinamiki potrebitel'skogo kreditovaniya v Rossii (analiz obshchefederal'nykh statisticheskikh pokazatelei). – Samoupravlenie. № 3(120). S. 51-57. (RUS.)
Molokanova Yu.S. 2020. Statisticheskii portret domokhozyaistv s vysokoi kreditnoi nagruzkoi. – Statistika v sovremennom mire: metody, modeli, instrumenty: materialy mezhdunarodnoi nauchno-prakticheskoi konferentsii. Rostov n/D: AzovPrint. (RUS.)
Muzhichkova Yu.E. 2015. Psikhologiya obydennykh predstavlenii o dolgakh i kreditakh. – Gumanitarnye nauki. Vestnik Finansovogo universiteta. № 4(20). S. 37-44. (RUS.)
Nivorozhkina L.I. 2016. Vozdeistvie kreditovaniya na potreblenie domashnikh khozyaistv: ekonomiko-statisticheskoe issledovanie. – Voprosy statistiki. № 1. S. 47-53. (RUS.)
Nivorozhkina L.I., Toropova T.V., Tregubova A.A., Batashev R.V. 2017. Kreditnoe povedenie rossiiskikh domokhozyaistv na razlichnykh etapakh makroekonomicheskikh tsiklov: monografiya. Rostov n/D: IPK RGEU (RINKh). 128 s. (RUS.)
Razov P.V., Shtepa S.E. 2019. Sotsial'nye riski potrebitel'skogo kreditovaniya studencheskoi molodezhi. – Gumanitarnye nauki. Vestnik Finansovogo universiteta. № 9(4). S. 106-110. (RUS.)
Sotsiologiya pandemii. Proekt koronaFOM. 2021. M.: Institut Fonda Obshchestvennoe Mnenie (inFOM). 319 s. (RUS.)
Strebkov D.O. 2004. Osnovnye tipy i faktory kreditnogo povedeniya naseleniya v sovremennoi Rossii. – Voprosy ekonomiki. № 2. S. 109-128. (RUS.)
Tikhonov A.A. 2019. Dinamika finansovogo i potrebitel'skogo povedeniya rossiyan v 2003–2018 gg. – Journal of Institutional Studies. Vol. 11. No. 3. P. 153-169.
Brader T. 2005. Striking a Responsive Chord: How Political Ads Motivate and Persuade Voters by Appealing to Emotions. – American Journal of Political Science. Vol. 49. No. 2. P. 388-405.
Bridges S., Disney R. 2010. Debt and Depression. – Journal of Health Economics. Vol. 29. No. 3. P. 388-403.
Fiksenbaum L., Marjanovic Z., Greenglass E. 2017. Financial Threat and Individuals’ Willingness to Change Financial Behavior. – Review of Behavioral Finance. Vol. 9. No. 2. P. 128-147.
Gurr T. 1970. Why Men Rebel. Princeton: Princeton University Press.
Hodson R., Dwyer R.E., Neilson L.A. 2014. Credit Card Blues: The Middle Class and the Hidden Costs of Easy Credit. – The Sociological Quarterly. Vol. 55. No. 2. P. 315-340.
Huddy L., Feldman S., Cassese E. 2007. On the Distinct Political Effect of Anxiety and Anger. – The Affect Effect: Dynamics of Emotion in Political Thinking and Behavior (ed. by G.E. Marcus, W.R. Neuman, M. MacKuen). Chicago: The University of Chicago Press.
Katona G. 1975. Psychological Economics. N.Y.: Elsevier Scientific Publishing Company.
Meltzer H. 2011. Personal Debt and Suicidal Ideation. – Psychological Medicine. Vol. 42. P. 771-778.
Mian A., Sufi A. 2018. Finance and Business Cycles: The Credit-Driven Household Demand Channel. – Journal of Economic Perspectives. Vol. 32. No. 3. P. 31-58.
Novikov O.G., Kozlov N. 2020. Growing Household Credit Load through the Prism of Social Perception, Credit and Political Attitudes of Russians. – Review of Business and Economics Studies. Vol. 8. No. 4. P. 19-32.
Pickard S., Bessant J. 2018. France’s #Nuit Debout Social Movement: Young People Rising up and Moral Emotions. – Societies. Vol. 8. No. 4.
Starrin B., Åslund C., Nilsson K.W. 2009. Financial Stress, Shaming Experiences and Psychosocial Ill-Health. – Social Indicators Research. Vol. 91. P. 283-298.
Sweet E., Kuzawa C.W., McDade T.W. 2018. Short-term Lending: Payday Loans as Risk Factors for Anxiety, Inflammation and Poor Health. – SSM – Population Health. No. 5. P. 114-121.
Valentino N.A., Brader T., Groenendyk E.W., Gregorowicz K., Hutchings V.L. 2011. Election Night’s Alright for Fighting: The Role of Emotions in Political Participation. – The Journal of Politics. Vol. 73. No. 1. P. 156-170.
van Stekelenburg J., Klandermans B. 2017. Individuals in Movements: A Social Psychology of Contention. – Handbook of Social Movements across Disciplines (ed. by C. Roggeband, B. Klandermans). Springer, Cham.
van Zomeren M., Spears R., Fischer A.H., Leach C.W. 2004. Put Your Money Where Your Mouth Is! Explaining Collective Action Tendencies through Group-Based Anger and Group Efficacy. – Journal of Personality and Social Psychology. Vol. 87. No. 5. P. 649-664.
Wahl‐Jorgensen K. 2018. Towards a Typology of Mediated Anger: Routine Coverage of Protest and Political Emotion. – International Journal of Communication. No. 12. P. 2071-2087.
Witte C.T., Burger M.J., Ianchovichina E. 2020. Subjective Well-Being and Peaceful Uprisings. – KYKLOS. Vol. 73. No. 1. P. 120-158.
Article
Received: 16.06.2021
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APA
Parma, R. V., & Kozlov, N. A. (2021). Building a Model of the Impact of Credit Load on the Political Behavior of Russian Citizens. Vlast’ (The Authority), 29(3), 76-85. https://doi.org/10.31171/vlast.v29i3.8143
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POLITICAL PROCESSES AND PRACTICES
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