{"id":"https://openalex.org/W1483526147","doi":"https://doi.org/10.1093/acprof:oso/9780199557431.003.0013","title":"12 Consumer Credit, Self-Discipline, and Risk Management","display_name":"12 Consumer Credit, Self-Discipline, and Risk Management","publication_year":2009,"publication_date":"2009-07-23","ids":{"openalex":"https://openalex.org/W1483526147","doi":"https://doi.org/10.1093/acprof:oso/9780199557431.003.0013","mag":"1483526147"},"language":"en","primary_location":{"id":"doi:10.1093/acprof:oso/9780199557431.003.0013","doi":"https://doi.org/10.1093/acprof:oso/9780199557431.003.0013","is_oa":false,"landing_page_url":"https://doi.org/10.1093/acprof:oso/9780199557431.003.0013","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Managing Financial Risks","raw_type":"book-chapter"},"volume":{"id":"https://openalex.org/W2499341121","display_name":"Managing Financial Risks"},"type":"book-chapter","indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://durham-repository.worktribe.com/output/1681631","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5032855754","display_name":"Paul Langley","orcid":"https://orcid.org/0000-0002-1924-7711","observed_orcids":["https://orcid.org/0000-0002-1924-7711"]},"institutions":[{"id":"https://openalex.org/I32394136","display_name":"Northumbria University","ror":"https://ror.org/049e6bc10","country_code":"GB","type":"education","lineage":["https://openalex.org/I32394136"]}],"countries":["GB"],"is_corresponding":true,"raw_author_name":"Paul Langley","raw_affiliation_strings":["Northumbria University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Northumbria University","institution_ids":["https://openalex.org/I32394136"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5032855754"],"corresponding_institution_ids":["https://openalex.org/I32394136"],"apc_list":null,"apc_paid":null,"fwci":8.8889,"has_fulltext":false,"cited_by_count":22,"citation_normalized_percentile":{"value":0.97606156,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":88,"max":97},"biblio":{"volume":null,"issue":null,"first_page":"280","last_page":"300"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11817","display_name":"Housing, Finance, and Neoliberalism","score":0.8984000086784363,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11817","display_name":"Housing, Finance, and Neoliberalism","score":0.8984000086784363,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12295","display_name":"Foucault, Power, and Ethics","score":0.08179999887943268,"subfield":{"id":"https://openalex.org/subfields/3312","display_name":"Sociology and Political Science"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T14154","display_name":"finance, banking, and market dynamics","score":0.004100000020116568,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/consumer-credit","display_name":"consumer credit","score":0.953000009059906},{"id":"https://openalex.org/keywords/credit-cards","display_name":"credit cards","score":0.9649999737739563},{"id":"https://openalex.org/keywords/self-control","display_name":"self-control","score":0.800000011920929},{"id":"https://openalex.org/keywords/risk-management","display_name":"risk management","score":0.9399999976158142},{"id":"https://openalex.org/keywords/governmentality","display_name":"governmentality","score":0.9259999990463257},{"id":"https://openalex.org/keywords/debt","display_name":"debt","score":0.40400001406669617},{"id":"https://openalex.org/keywords/credit-scoring","display_name":"credit scoring","score":0.8679999709129333},{"id":"https://openalex.org/keywords/technologies-of-government","display_name":"technologies of government","score":0.7070000171661377},{"id":"https://openalex.org/keywords/housing-market","display_name":"housing market","score":0.5070000290870667},{"id":"https://openalex.org/keywords/labour-market-precarity","display_name":"labour market precarity","score":0.75}],"concepts":[{"id":"https://openalex.org/C2777408017","wikidata":"https://www.wikidata.org/wiki/Q1523191","display_name":"Governmentality","level":3,"score":0.8184632062911987},{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.5827370882034302},{"id":"https://openalex.org/C100609095","wikidata":"https://www.wikidata.org/wiki/Q1335050","display_name":"Embodied cognition","level":2,"score":0.5588149428367615},{"id":"https://openalex.org/C2983355114","wikidata":"https://www.wikidata.org/wiki/Q161380","display_name":"Credit card","level":3,"score":0.5492604970932007},{"id":"https://openalex.org/C180879305","wikidata":"https://www.wikidata.org/wiki/Q590998","display_name":"Credit crunch","level":2,"score":0.5101476311683655},{"id":"https://openalex.org/C64543145","wikidata":"https://www.wikidata.org/wiki/Q162942","display_name":"Intersection (aeronautics)","level":2,"score":0.42702335119247437},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.40357720851898193},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.37603959441185},{"id":"https://openalex.org/C34447519","wikidata":"https://www.wikidata.org/wiki/Q179522","display_name":"Market economy","level":1,"score":0.3535696864128113},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.26016417145729065},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.21446657180786133},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.20574826002120972},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.18087881803512573},{"id":"https://openalex.org/C127413603","wikidata":"https://www.wikidata.org/wiki/Q11023","display_name":"Engineering","level":0,"score":0.10309994220733643},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.08956757187843323},{"id":"https://openalex.org/C94625758","wikidata":"https://www.wikidata.org/wiki/Q7163","display_name":"Politics","level":2,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0},{"id":"https://openalex.org/C146978453","wikidata":"https://www.wikidata.org/wiki/Q3798668","display_name":"Aerospace engineering","level":1,"score":0.0},{"id":"https://openalex.org/C154945302","wikidata":"https://www.wikidata.org/wiki/Q11660","display_name":"Artificial intelligence","level":1,"score":0.0}],"mesh":[],"locations_count":3,"locations":[{"id":"doi:10.1093/acprof:oso/9780199557431.003.0013","doi":"https://doi.org/10.1093/acprof:oso/9780199557431.003.0013","is_oa":false,"landing_page_url":"https://doi.org/10.1093/acprof:oso/9780199557431.003.0013","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Managing Financial Risks","raw_type":"book-chapter"},{"id":"pmh:oai:https://durham-repository.worktribe.com/:1681631","doi":null,"is_oa":true,"landing_page_url":"https://durham-repository.worktribe.com/output/1681631","pdf_url":null,"source":{"id":"https://openalex.org/S4306400188","display_name":"Durham Research Online (Durham University)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I190082696","host_organization_name":"Durham University","host_organization_lineage":["https://openalex.org/I190082696"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Book Chapter"},{"id":"pmh:oai:nrl.northumbria.ac.uk:643","doi":null,"is_oa":false,"landing_page_url":"http://nrl.northumbria.ac.uk/id/eprint/643/","pdf_url":null,"source":{"id":"https://openalex.org/S4306401884","display_name":"Northumbria Research Link (Northumbria University)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I32394136","host_organization_name":"Northumbria University","host_organization_lineage":["https://openalex.org/I32394136"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"","raw_type":"Book Section"}],"best_oa_location":{"id":"pmh:oai:https://durham-repository.worktribe.com/:1681631","doi":null,"is_oa":true,"landing_page_url":"https://durham-repository.worktribe.com/output/1681631","pdf_url":null,"source":{"id":"https://openalex.org/S4306400188","display_name":"Durham Research Online (Durham University)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I190082696","host_organization_name":"Durham University","host_organization_lineage":["https://openalex.org/I190082696"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Book Chapter"},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":31,"referenced_works":["https://openalex.org/W133664784","https://openalex.org/W564537072","https://openalex.org/W576833765","https://openalex.org/W621476065","https://openalex.org/W632143271","https://openalex.org/W1513712833","https://openalex.org/W1517730029","https://openalex.org/W1599420887","https://openalex.org/W1997859453","https://openalex.org/W2009938373","https://openalex.org/W2019284465","https://openalex.org/W2048151621","https://openalex.org/W2058646687","https://openalex.org/W2081725483","https://openalex.org/W2103093828","https://openalex.org/W2108875102","https://openalex.org/W2117294299","https://openalex.org/W2126623689","https://openalex.org/W2134649222","https://openalex.org/W2317574555","https://openalex.org/W2331101697","https://openalex.org/W2480970216","https://openalex.org/W2588205325","https://openalex.org/W2916701503","https://openalex.org/W3123331292","https://openalex.org/W4233594550","https://openalex.org/W4245130871","https://openalex.org/W4247126237","https://openalex.org/W4303073769","https://openalex.org/W4386344649","https://openalex.org/W6764788801"],"related_works":["https://openalex.org/W1994884485","https://openalex.org/W2563623042","https://openalex.org/W4233943275","https://openalex.org/W2480137304","https://openalex.org/W4236951415","https://openalex.org/W2058646687","https://openalex.org/W2478185737","https://openalex.org/W1531933838","https://openalex.org/W3140182415","https://openalex.org/W1764043008"],"abstract_inverted_index":{"Abstract":[0],"This":[1],"chapter":[2,73],"examines":[3,32],"the":[4,20,24,33,37,49,75,78,83,106,119,134],"embodied":[5],"economy":[6],"of":[7,14,39,77,85,100,126,131],"mass":[8,51],"market":[9,52],"consumer":[10],"credit,":[11],"an":[12],"area":[13],"economic":[15,140],"activity":[16],"that":[17,57,66,110,124],"ballooned":[18],"at":[19],"same":[21],"time":[22],"as":[23,97,118,143],"housing":[25],"market.":[26],"Drawing":[27],"on":[28,105],"governmentality":[29],"literature,":[30],"it":[31],"ways":[34],"in":[35,48,82,91,139],"which":[36],"responsibilities":[38],"borrowers":[40],"for":[41,53],"outstanding":[42],"credit":[43,54,92,115],"obligations":[44],"have":[45],"been":[46],"transformed":[47],"booming":[50],"cards,":[55],"such":[56,142],"individual":[58,114],"borrower":[59],"subjects":[60],"come":[61],"to":[62],"perform":[63],"entrepreneurial":[64],"self-disciplines":[65,125],"extend":[67],"well-beyond":[68],"simply":[69],"meeting":[70],"repayments.":[71],"The":[72],"emphasizes":[74],"intersection":[76],"legal":[79],"and":[80,87,108,136],"extra-legal":[81],"punishment":[84],"debtors,":[86],"how":[88],"risk":[89,127],"calculations":[90],"scoring":[93],"can":[94],"be":[95],"understood":[96],"a":[98],"technology":[99],"government.":[101],"It":[102],"offers":[103],"reflections":[104],"tensions":[107],"contradictions":[109],"are":[111],"lived":[112],"by":[113],"card":[116],"holders":[117],"crisis":[120],"unfolds,":[121],"specifically":[122],"arguing":[123],"management":[128],"fall":[129],"short":[130],"completely":[132],"containing":[133],"complexities":[135],"inherent":[137],"uncertainty":[138],"life,":[141],"precarious":[144],"labour":[145],"markets.":[146]},"counts_by_year":[{"year":2024,"cited_by_count":1},{"year":2023,"cited_by_count":1},{"year":2022,"cited_by_count":1},{"year":2021,"cited_by_count":1},{"year":2020,"cited_by_count":4},{"year":2019,"cited_by_count":1},{"year":2018,"cited_by_count":1},{"year":2017,"cited_by_count":1},{"year":2013,"cited_by_count":3},{"year":2012,"cited_by_count":3}],"updated_date":"2026-10-23T09:35:12.469056","created_date":"2016-06-24T00:00:00"}