{"id":"https://openalex.org/W2093419765","doi":"https://doi.org/10.2202/1565-3404.1128","title":"Theories of Overindebtedness: Interaction of Structure and Culture","display_name":"Theories of Overindebtedness: Interaction of Structure and Culture","publication_year":2006,"publication_date":"2006-07-06","ids":{"openalex":"https://openalex.org/W2093419765","doi":"https://doi.org/10.2202/1565-3404.1128","mag":"2093419765"},"language":"en","primary_location":{"id":"doi:10.2202/1565-3404.1128","doi":"https://doi.org/10.2202/1565-3404.1128","is_oa":false,"landing_page_url":"https://doi.org/10.2202/1565-3404.1128","pdf_url":null,"source":{"id":"https://openalex.org/S30990483","display_name":"Theoretical Inquiries in Law","issn_l":"1565-1509","issn":["1565-1509","1565-3404"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":["anvur-scientific","jufo-2","norway-1","poland-70","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310319193","host_organization_name":"Tel Aviv University","host_organization_lineage":["https://openalex.org/P4310319193"],"host_organization_lineage_names":["Tel Aviv University"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Theoretical Inquiries in Law","raw_type":"journal-article"},"volume":null,"type":"article","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID911303_code575020.pdf?abstractid=826006","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5012410733","display_name":"Jean Braucher","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I138006243","display_name":"University of Arizona","ror":"https://ror.org/03m2x1q45","country_code":"US","type":"education","lineage":["https://openalex.org/I138006243"]}],"countries":["US"],"is_corresponding":true,"raw_author_name":"Jean Braucher","raw_affiliation_strings":["University of Arizona","University of Arizona - James E. Rogers College of Law (Deceased)"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Arizona","institution_ids":["https://openalex.org/I138006243"]},{"raw_affiliation_string":"University of Arizona - James E. Rogers College of Law (Deceased)","institution_ids":["https://openalex.org/I138006243"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5012410733"],"corresponding_institution_ids":["https://openalex.org/I138006243"],"apc_list":{"value":2400,"currency":"EUR","value_usd":2712},"apc_paid":null,"fwci":28.2811,"has_fulltext":false,"cited_by_count":51,"citation_normalized_percentile":{"value":0.99334328,"is_in_top_1_percent":true,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":87,"max":100},"biblio":{"volume":"7","issue":"2","first_page":"323","last_page":"346"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T12509","display_name":"Corporate Insolvency and Governance","score":0.9653000235557556,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T12509","display_name":"Corporate Insolvency and Governance","score":0.9653000235557556,"subfield":{"id":"https://openalex.org/subfields/3308","display_name":"Law"},"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/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.017100000753998756,"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/T11817","display_name":"Housing, Finance, and Neoliberalism","score":0.00419999985024333,"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/personal-bankruptcy","display_name":"personal bankruptcy","score":0.9860000014305115},{"id":"https://openalex.org/keywords/interest-rate-liberalization","display_name":"interest rate liberalization","score":0.8930000066757202},{"id":"https://openalex.org/keywords/social-safety-nets","display_name":"social safety nets","score":0.9639999866485596},{"id":"https://openalex.org/keywords/consumerism","display_name":"consumerism","score":0.8299999833106995},{"id":"https://openalex.org/keywords/financial-education","display_name":"financial education","score":0.5440000295639038},{"id":"https://openalex.org/keywords/consumer-credit","display_name":"consumer credit","score":0.3569999933242798}],"concepts":[{"id":"https://openalex.org/C504631918","wikidata":"https://www.wikidata.org/wiki/Q152074","display_name":"Bankruptcy","level":2,"score":0.7923412322998047},{"id":"https://openalex.org/C78780426","wikidata":"https://www.wikidata.org/wiki/Q902410","display_name":"Deregulation","level":2,"score":0.788614809513092},{"id":"https://openalex.org/C120527767","wikidata":"https://www.wikidata.org/wiki/Q3196867","display_name":"Debt","level":2,"score":0.621673047542572},{"id":"https://openalex.org/C2778458851","wikidata":"https://www.wikidata.org/wiki/Q28455593","display_name":"Consumer Culture","level":2,"score":0.5714625120162964},{"id":"https://openalex.org/C2781343974","wikidata":"https://www.wikidata.org/wiki/Q2308159","display_name":"Consumer debt","level":3,"score":0.551746129989624},{"id":"https://openalex.org/C189326681","wikidata":"https://www.wikidata.org/wiki/Q10294","display_name":"Poverty","level":2,"score":0.4608537554740906},{"id":"https://openalex.org/C67674302","wikidata":"https://www.wikidata.org/wiki/Q730573","display_name":"Organizational culture","level":2,"score":0.44992151856422424},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4442998766899109},{"id":"https://openalex.org/C2775946814","wikidata":"https://www.wikidata.org/wiki/Q2497143","display_name":"Legal culture","level":2,"score":0.4203929901123047},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.3776276409626007},{"id":"https://openalex.org/C39549134","wikidata":"https://www.wikidata.org/wiki/Q133080","display_name":"Public relations","level":1,"score":0.28891652822494507},{"id":"https://openalex.org/C34447519","wikidata":"https://www.wikidata.org/wiki/Q179522","display_name":"Market economy","level":1,"score":0.2789052128791809},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.2503775954246521},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.19621330499649048},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.14984768629074097},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.1427856981754303},{"id":"https://openalex.org/C112698675","wikidata":"https://www.wikidata.org/wiki/Q37038","display_name":"Advertising","level":1,"score":0.14051970839500427}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.2202/1565-3404.1128","doi":"https://doi.org/10.2202/1565-3404.1128","is_oa":false,"landing_page_url":"https://doi.org/10.2202/1565-3404.1128","pdf_url":null,"source":{"id":"https://openalex.org/S30990483","display_name":"Theoretical Inquiries in Law","issn_l":"1565-1509","issn":["1565-1509","1565-3404"],"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":["anvur-scientific","jufo-2","norway-1","poland-70","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310319193","host_organization_name":"Tel Aviv University","host_organization_lineage":["https://openalex.org/P4310319193"],"host_organization_lineage_names":["Tel Aviv University"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Theoretical Inquiries in Law","raw_type":"journal-article"},{"id":"mag:2093419765","doi":null,"is_oa":true,"landing_page_url":"https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID911303_code575020.pdf?abstractid=826006","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}],"best_oa_location":{"id":"mag:2093419765","doi":null,"is_oa":true,"landing_page_url":"https://papers.ssrn.com/sol3/Delivery.cfm/SSRN_ID911303_code575020.pdf?abstractid=826006","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},"sustainable_development_goals":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W2888605927","https://openalex.org/W4399868096","https://openalex.org/W2476835158","https://openalex.org/W7162919394","https://openalex.org/W4233270419","https://openalex.org/W1517730029","https://openalex.org/W4399988340","https://openalex.org/W7127401114","https://openalex.org/W7113705433","https://openalex.org/W2615719971"],"abstract_inverted_index":{"Consumer":[0],"bankruptcy":[1,33],"scholars":[2],"typically":[3],"stress":[4],"either":[5],"a":[6,9,65,98,104,116,121,128,138,145],"structural":[7,40,60,111,130],"or":[8,147],"cultural":[10,42],"account":[11],"of":[12,21,38,48,73,113,123],"individuals\u2019":[13],"problems":[14],"with":[15],"debt.":[16],"Drawing":[17],"on":[18,29],"the":[19,36,49,71],"history":[20],"poverty":[22],"research,":[23],"this":[24],"article":[25],"argues":[26],"that":[27,62],"research":[28],"consumer":[30,92,100],"overindebtedness":[31],"and":[32,41,52,75,91,141],"should":[34],"avoid":[35],"pitfall":[37],"seeing":[39],"factors":[43],"as":[44,84,133],"opposing":[45],"explanations.":[46],"Deregulation":[47],"credit":[50],"industry":[51],"an":[53],"incomplete":[54],"social":[55],"safety":[56],"net":[57],"are":[58],"key":[59],"conditions":[61],"lead":[63],"to":[64,68,96,119,149],"culture":[66,76,101,122],"hospitable":[67],"overindebtedness.":[69,114],"Furthermore,":[70],"interaction":[72],"structure":[74],"has":[77],"practical":[78],"policy":[79],"implications.":[80],"Structural":[81],"changes":[82],"such":[83,132],"interest-rate":[85],"deregulation":[86],"inevitably":[87],"transform":[88],"both":[89],"business":[90],"culture.":[93],"Policies":[94],"designed":[95],"create":[97,120],"different":[99],"will":[102],"have":[103],"hard":[105],"time":[106],"when":[107],"pitted":[108],"against":[109],"strong":[110,129],"causes":[112],"At":[115],"minimum,":[117],"efforts":[118],"personal":[124],"financial":[125],"responsibility":[126],"need":[127],"base,":[131],"public":[134],"education":[135],"starting":[136],"at":[137],"young":[139],"age,":[140],"could":[142],"easily":[143],"require":[144],"generation":[146],"more":[148],"take":[150],"hold.":[151]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":3},{"year":2024,"cited_by_count":2},{"year":2023,"cited_by_count":2},{"year":2022,"cited_by_count":4},{"year":2021,"cited_by_count":1},{"year":2019,"cited_by_count":16},{"year":2018,"cited_by_count":3},{"year":2017,"cited_by_count":3},{"year":2016,"cited_by_count":3},{"year":2015,"cited_by_count":2},{"year":2012,"cited_by_count":1}],"updated_date":"2026-11-07T11:25:07.637180","created_date":"2016-06-24T00:00:00"}