Investerare, missbrukare och utsatta - Unga vuxnas förhållningssätt till krediter

Abstract

The aim of this artical is to explain and understand young adults common sensemaking and practices regarding credits and credit financing in relation to consumption. The study is based on three focus group interviews, one group interview and one individual interview with young adults aged 19 to 26. By applying theories regarding financialization of daily life and consumption, this study has shown that young adults tend to look at credits and consumption in ways of investment, enabling and means to create future value. Young adults also tend to divide credits and providers of credits according to positive and negative traits where loans from traditonal actors like the bank and the state are seen as something positive, while providers of consumer credits are seen as something negative. The study also shows that young adults views on credit users depends on how there credit- and consumption practices are perceived. The author have identified these as three different financial subject categories: investors, abusers and underpriviliged.