{"id":"https://openalex.org/W2038829667","doi":"https://doi.org/10.14453/aabfj.v7i3.7","title":"Is Financial Capability Related to the Effective Use of Debt in Australia?","display_name":"Is Financial Capability Related to the Effective Use of Debt in Australia?","publication_year":2013,"publication_date":"2013-01-01","ids":{"openalex":"https://openalex.org/W2038829667","doi":"https://doi.org/10.14453/aabfj.v7i3.7","mag":"2038829667"},"language":"en","primary_location":{"id":"doi:10.14453/aabfj.v7i3.7","doi":"https://doi.org/10.14453/aabfj.v7i3.7","is_oa":true,"landing_page_url":"https://doi.org/10.14453/aabfj.v7i3.7","pdf_url":"https://ro.uow.edu.au/cgi/viewcontent.cgi?article=1453&context=aabfj","source":{"id":"https://openalex.org/S2765036513","display_name":"Australasian Accounting Business and Finance Journal","issn_l":"1834-2000","issn":["1834-2000","1834-2019"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-b","anvur-scientific","cwts-core","norway-1","poland-40","russia-white-list-2","vabb-shw"],"host_organization":"https://openalex.org/P4310317968","host_organization_name":"University of Wollongong","host_organization_lineage":["https://openalex.org/P4310317968"],"host_organization_lineage_names":["University of Wollongong"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Australasian Accounting, Business and Finance Journal","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://ro.uow.edu.au/cgi/viewcontent.cgi?article=1453&context=aabfj","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5084997589","display_name":"Sanja Ajzerle","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I11701301","display_name":"Griffith University","ror":"https://ror.org/02sc3r913","country_code":"AU","type":"education","lineage":["https://openalex.org/I11701301"]}],"countries":["AU"],"is_corresponding":false,"raw_author_name":"Sanja Ajzerle","raw_affiliation_strings":["Griffith Univeristy","Griffith University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Griffith Univeristy","institution_ids":["https://openalex.org/I11701301"]},{"raw_affiliation_string":"Griffith University","institution_ids":["https://openalex.org/I11701301"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5091088515","display_name":"Mark Brimble","orcid":"https://orcid.org/0000-0001-7554-9004","observed_orcids":["https://orcid.org/0000-0001-7554-9004"]},"institutions":[{"id":"https://openalex.org/I11701301","display_name":"Griffith University","ror":"https://ror.org/02sc3r913","country_code":"AU","type":"education","lineage":["https://openalex.org/I11701301"]}],"countries":["AU"],"is_corresponding":false,"raw_author_name":"Mark Brimble","raw_affiliation_strings":["Griffith University","Griffith University - School of Accounting, Banking and Finance - Nathan and Logan Campuses"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Griffith University","institution_ids":["https://openalex.org/I11701301"]},{"raw_affiliation_string":"Griffith University - School of Accounting, Banking and Finance - Nathan and Logan Campuses","institution_ids":["https://openalex.org/I11701301"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5042648771","display_name":"Brett Freudenberg","orcid":"https://orcid.org/0000-0003-4592-8606","observed_orcids":["https://orcid.org/0000-0003-4592-8606"]},"institutions":[{"id":"https://openalex.org/I11701301","display_name":"Griffith University","ror":"https://ror.org/02sc3r913","country_code":"AU","type":"education","lineage":["https://openalex.org/I11701301"]}],"countries":["AU"],"is_corresponding":false,"raw_author_name":"Brett Freudenberg","raw_affiliation_strings":["Griffith University","Griffith University - Griffith Law School"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Griffith University","institution_ids":["https://openalex.org/I11701301"]},{"raw_affiliation_string":"Griffith University - Griffith Law School","institution_ids":["https://openalex.org/I11701301"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I11701301"],"apc_list":null,"apc_paid":null,"fwci":1.6517,"has_fulltext":true,"cited_by_count":13,"citation_normalized_percentile":{"value":0.87590651,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":87,"max":96},"biblio":{"volume":"7","issue":"3","first_page":"107","last_page":"126"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9854000210762024,"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/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.9854000210762024,"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/T13744","display_name":"Financial Literacy and Behavior","score":0.014299999922513962,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11817","display_name":"Housing, Finance, and Neoliberalism","score":9.999999747378752e-05,"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/financial-capability","display_name":"financial capability","score":0.9729999899864197},{"id":"https://openalex.org/keywords/personal-debt","display_name":"personal debt","score":0.9750000238418579},{"id":"https://openalex.org/keywords/financial-regulation","display_name":"financial regulation","score":0.7440000176429749},{"id":"https://openalex.org/keywords/household-wealth","display_name":"household wealth","score":0.6399999856948853},{"id":"https://openalex.org/keywords/consumer-credit","display_name":"consumer credit","score":0.4950000047683716},{"id":"https://openalex.org/keywords/australia","display_name":"Australia","score":0.3540000021457672}],"concepts":[{"id":"https://openalex.org/C120527767","wikidata":"https://www.wikidata.org/wiki/Q3196867","display_name":"Debt","level":2,"score":0.8203931450843811},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6199243664741516},{"id":"https://openalex.org/C22270272","wikidata":"https://www.wikidata.org/wiki/Q5248601","display_name":"Debt levels and flows","level":4,"score":0.6027251482009888},{"id":"https://openalex.org/C202189257","wikidata":"https://www.wikidata.org/wiki/Q2915683","display_name":"Internal debt","level":3,"score":0.5505627393722534},{"id":"https://openalex.org/C40566830","wikidata":"https://www.wikidata.org/wiki/Q7450734","display_name":"Senior debt","level":5,"score":0.48398590087890625},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.44780880212783813},{"id":"https://openalex.org/C44171179","wikidata":"https://www.wikidata.org/wiki/Q461319","display_name":"External debt","level":3,"score":0.4370889365673065},{"id":"https://openalex.org/C73283319","wikidata":"https://www.wikidata.org/wiki/Q1416617","display_name":"Financial system","level":1,"score":0.40433311462402344}],"mesh":[],"locations_count":5,"locations":[{"id":"doi:10.14453/aabfj.v7i3.7","doi":"https://doi.org/10.14453/aabfj.v7i3.7","is_oa":true,"landing_page_url":"https://doi.org/10.14453/aabfj.v7i3.7","pdf_url":"https://ro.uow.edu.au/cgi/viewcontent.cgi?article=1453&context=aabfj","source":{"id":"https://openalex.org/S2765036513","display_name":"Australasian Accounting Business and Finance Journal","issn_l":"1834-2000","issn":["1834-2000","1834-2019"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-b","anvur-scientific","cwts-core","norway-1","poland-40","russia-white-list-2","vabb-shw"],"host_organization":"https://openalex.org/P4310317968","host_organization_name":"University of Wollongong","host_organization_lineage":["https://openalex.org/P4310317968"],"host_organization_lineage_names":["University of Wollongong"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Australasian Accounting, Business and Finance Journal","raw_type":"journal-article"},{"id":"pmh:oai:ro.uow.edu.au:aabfj-1453","doi":null,"is_oa":false,"landing_page_url":"https://ro.uow.edu.au/aabfj/vol7/iss3/7","pdf_url":null,"source":{"id":"https://openalex.org/S4306400510","display_name":"Research Online (University of Wollongong)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I204824540","host_organization_name":"University of Wollongong","host_organization_lineage":["https://openalex.org/I204824540"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Australasian Accounting, Business and Finance Journal","raw_type":"text"},{"id":"mag:2038829667","doi":null,"is_oa":true,"landing_page_url":"https://autopapers.ssrn.com/sol3/papers.cfm?abstract_id=2349384","pdf_url":null,"source":{"id":"https://openalex.org/S4210172589","display_name":"SSRN Electronic Journal","issn_l":"1556-5068","issn":["1556-5068"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I1318003438","host_organization_name":"RELX Group (Netherlands)","host_organization_lineage":["https://openalex.org/I1318003438"],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"SSRN Electronic Journal","raw_type":null},{"id":"pmh:oai:doaj.org/article:ef2eba03db324b828cf3b2f2a9da4ce4","doi":null,"is_oa":false,"landing_page_url":"http://doi.org/10.14453/aabfj.v7i3.7","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Australasian Accounting, Business and Finance Journal, Vol 7, Iss 3, Pp 107-126 (2013)","raw_type":"article"},{"id":"pmh:oai:research-repository.griffith.edu.au:10072/56381","doi":null,"is_oa":false,"landing_page_url":"http://hdl.handle.net/10072/56381","pdf_url":null,"source":{"id":"https://openalex.org/S7407064376","display_name":"Griffith Research Online","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"Journal article"}],"best_oa_location":{"id":"doi:10.14453/aabfj.v7i3.7","doi":"https://doi.org/10.14453/aabfj.v7i3.7","is_oa":true,"landing_page_url":"https://doi.org/10.14453/aabfj.v7i3.7","pdf_url":"https://ro.uow.edu.au/cgi/viewcontent.cgi?article=1453&context=aabfj","source":{"id":"https://openalex.org/S2765036513","display_name":"Australasian Accounting Business and Finance Journal","issn_l":"1834-2000","issn":["1834-2000","1834-2019"],"is_oa":true,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-b","anvur-scientific","cwts-core","norway-1","poland-40","russia-white-list-2","vabb-shw"],"host_organization":"https://openalex.org/P4310317968","host_organization_name":"University of Wollongong","host_organization_lineage":["https://openalex.org/P4310317968"],"host_organization_lineage_names":["University of Wollongong"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Australasian Accounting, Business and Finance Journal","raw_type":"journal-article"},"sustainable_development_goals":[],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W2038829667.pdf","grobid_xml":"https://content.openalex.org/works/W2038829667.grobid-xml"},"referenced_works_count":39,"referenced_works":["https://openalex.org/W98331679","https://openalex.org/W186508382","https://openalex.org/W329178461","https://openalex.org/W1483842677","https://openalex.org/W1505040342","https://openalex.org/W1578270123","https://openalex.org/W1922999250","https://openalex.org/W1968046253","https://openalex.org/W1969583914","https://openalex.org/W1972212491","https://openalex.org/W1973828333","https://openalex.org/W1974142776","https://openalex.org/W1979999324","https://openalex.org/W1996814744","https://openalex.org/W2005286752","https://openalex.org/W2006233789","https://openalex.org/W2019864523","https://openalex.org/W2029547955","https://openalex.org/W2039734614","https://openalex.org/W2040212663","https://openalex.org/W2046707233","https://openalex.org/W2050129674","https://openalex.org/W2062415466","https://openalex.org/W2079567258","https://openalex.org/W2080145237","https://openalex.org/W2085741700","https://openalex.org/W2087304150","https://openalex.org/W2100967055","https://openalex.org/W2104926138","https://openalex.org/W2131891970","https://openalex.org/W2163303570","https://openalex.org/W2830197720","https://openalex.org/W3122163052","https://openalex.org/W3122819058","https://openalex.org/W4231676046","https://openalex.org/W4232531167","https://openalex.org/W4242880044","https://openalex.org/W4285719527","https://openalex.org/W7075724258"],"related_works":["https://openalex.org/W3208723293","https://openalex.org/W6907893130","https://openalex.org/W1751544503","https://openalex.org/W2264885601","https://openalex.org/W3157626805","https://openalex.org/W2082308111","https://openalex.org/W2241241634","https://openalex.org/W3093075860","https://openalex.org/W3122049110","https://openalex.org/W2923113225"],"abstract_inverted_index":{"Australians\u2019":[0],"high":[1],"use":[2,60,79],"of":[3,13,46,61],"personal":[4,62],"debt":[5,23,80],"is,":[6],"in":[7],"part,":[8],"attributable":[9],"to":[10,27,49,57,78],"the":[11,14,25,38,58],"relaxation":[12],"financial":[15,53,73],"services":[16],"regulation.":[17],"There":[18],"is":[19,55],"concern":[20],"that":[21,67],"while":[22],"has":[24],"potential":[26],"increase":[28],"a":[29,44],"person\u2019s":[30],"wealth,":[31],"if":[32],"used":[33],"ineffectively":[34],"it":[35,68],"can":[36],"have":[37],"opposite":[39],"effect.":[40],"This":[41],"paper":[42],"details":[43],"study":[45],"680":[47],"Australians":[48],"ascertain":[50],"whether":[51],"their":[52],"capability":[54,74],"related":[56],"effective":[59],"debt.":[63],"The":[64],"findings":[65],"suggest":[66],"appears":[69],"people":[70],"with":[71],"greater":[72],"are":[75],"more":[76],"likely":[77],"effectively.":[81]},"counts_by_year":[{"year":2024,"cited_by_count":1},{"year":2023,"cited_by_count":2},{"year":2022,"cited_by_count":3},{"year":2021,"cited_by_count":1},{"year":2020,"cited_by_count":1},{"year":2019,"cited_by_count":2},{"year":2016,"cited_by_count":1},{"year":2013,"cited_by_count":2}],"updated_date":"2026-11-03T10:50:19.383937","created_date":"2016-06-24T00:00:00"}