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  • Is Financial Capability Related to the Effective Use of Debt in Australia?

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    89852_1.pdf (249.1Kb)
    Author(s)
    Ajzerle, Sanja
    Brimble, Mark
    Freudenberg, Brett
    Griffith University Author(s)
    Freudenberg, Brett D.
    Brimble, Mark A.
    Ajzerle, Sanja
    Year published
    2013
    Metadata
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    Abstract
    Australians' high use of personal debt is, in part, attributable to the relaxation of the financial services regulation. There is concern that while debt has the potential to increase a person's wealth, if used ineffectively it can have the opposite effect. This paper details a study of 680 Australians to ascertain whether their financial capability is related to the effective use of personal debt. The findings suggest that it appears people with greater financial capability are more likely to use debt effectively.Australians' high use of personal debt is, in part, attributable to the relaxation of the financial services regulation. There is concern that while debt has the potential to increase a person's wealth, if used ineffectively it can have the opposite effect. This paper details a study of 680 Australians to ascertain whether their financial capability is related to the effective use of personal debt. The findings suggest that it appears people with greater financial capability are more likely to use debt effectively.
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    Journal Title
    Australasian Accounting Business & Finance Journal
    Volume
    7
    Issue
    3
    Publisher URI
    http://ro.uow.edu.au/aabfj/vol7/iss3/
    Copyright Statement
    © 2013 University of Wollongong. The attached file is reproduced here in accordance with the copyright policy of the publisher. Please refer to the journal's website for access to the definitive, published version.
    Subject
    Banking, Finance and Investment not elsewhere classified
    Accounting, Auditing and Accountability
    Banking, Finance and Investment
    Business and Management
    Publication URI
    http://hdl.handle.net/10072/56381
    Collection
    • Journal articles

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