Půjčit si je tak snadné...Půjčka v zastavárně z perspektivy finanční (ne)gramotno












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            * Michael Rádl
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            Borrowing Is So Easy… Loans at Pawnshops from the Perspective of Financial (Ill)Literacy


            Abstrakt:
            In this article, I focus on the issue of the financial literacy of regular pawnshop custom

            the terms of the pawn loan are considered as relatively unfavourable, so I was interested 
            of financial literacy of regular borrowers. During field research, it turned out that a pa
            be viewed from both the economic and a symbolic perspective. While the former is strictly 

            takes into account the costs and benefits with regard to the specific goals, the latter is
            to the reasons that borrowers put forward at the moment they decide to accept the loan fee

            such terms as self-esteem, prestige, or position in the social hierarchy. To the uninforme
            pawn loan may seem relatively irrational, and the ignorance of the context may make the im
            the financial literacy of those who borrow money in a pawnshop under quite unfavourable co

            relatively low. However, this view of the issue is not complex, since it completely overlo
            and living conditions of borrowers. The question arises whether the commonly used concept 
            literacy is universally applicable to all strata of society, or whether disadvantaged grou

            life situations act according to different principles of financial literacy, which are ada
            given living conditions.


            Keywords: pawnshop; loan; loan fee; regular customer; financial literacy

            Článek v PDF ke stažení [ URL "LM-1171-version1-radl.pdf"]


            Michael Rádl [ URL "LM-321.html "]