Gender, anxiety and perceived Islamic values in students’ debt attitudes and behaviour: an ethnographic study of an Indonesian multicultural university

What is it about?

Perceived Islamic values were found to induce debt anxiety, but to encourage positive coping strategies such as prioritising debt repayment, minimising consumption and spending, and avoiding shirking one’s responsibilities. Previous research has found correlations between religiosity and attitudes, as well as between gender and attitudes, towards debt. However, our study is the first to demonstrate that perceived religiosity causes anti-debt attitudes and behaviours, which is more evident in anxiety-prone women.

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