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Overdraft consumption and the main reasons and motivations for this kind of indebtedness among university students in the Czech Republic and the UK

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dc.title Overdraft consumption and the main reasons and motivations for this kind of indebtedness among university students in the Czech Republic and the UK en
dc.contributor.author Baňařová, Michaela
dc.relation.ispartof Innovation Vision 2020: Sustainable Growth, Entrepreneurship, and Economic Development, Vols 1-4
dc.identifier.isbn 978-0-9821489-8-3
dc.date.issued 2012
dc.citation.spage 325
dc.citation.epage 334
dc.event.title 19th International-Business-Information-Management-Association Conference
dc.event.location Barcelona
utb.event.state-en Spain
utb.event.state-cs Španělsko
dc.event.sdate 2011-11-12
dc.event.edate 2011-11-13
dc.type conferenceObject
dc.language.iso en
dc.publisher International Business Information Management Association (IBIMA) en
dc.subject indebtedness en
dc.subject overdraft consumption en
dc.subject consumer behaviour en
dc.subject students en
dc.subject financial services en
dc.description.abstract This research sought to explore students in the banking industry, their motivations and behaviours to overdraft consumption and understand what were the main reasons why students used overdrafts and for what purposes they used this borrowed money. Due to the lack of research into student indebtedness and their tendencies to debts in Czech Republic the researcher decided to carry out a comparative study of overdraft consumption between Czech and British students which could have implications for other similar countries which have, or must consider, education fees for tertiary education. So, a key quantitative research based on 120 self-administrated on-line questionnaires from Czech and UK higher education students will be presented where one university from each country was chosen as a representative sample. The findings highlighted that there was a significant difference between the amounts of overdraft in both investigated countries and that the UK students reported relatively high debt levels, compared to their Czech counterparts. The research identified key contextual factors associated with the environment in which the students lived and their responsibility to manage the borrowed money. en
utb.faculty Faculty of Management and Economics
dc.identifier.uri http://hdl.handle.net/10563/1003292
utb.identifier.rivid RIV/70883521:28120/12:43868796!RIV13-MSM-28120___
utb.identifier.obdid 43868979
utb.identifier.scopus 2-s2.0-84896326263
utb.identifier.wok 000317549700036
utb.source d-wok
dc.date.accessioned 2013-07-27T14:54:45Z
dc.date.available 2013-07-27T14:54:45Z
utb.contributor.internalauthor Baňařová, Michaela
utb.fulltext.affiliation Ing. Michaela Baňařová, BA (Hons), Tomas Bata University in Zlin, Mostni 5139, 760 01 Zlín, Czech Republic, banarova@fame.utb.cz
utb.fulltext.dates -
utb.fulltext.sponsorship This paper is one of the research outputs of the project no.: SPP SV50111164020 registered at IGA Tomas Bata University in Zlin.
utb.fulltext.faculty -
utb.fulltext.ou -
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