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Family finances, individualisation, spending patterns and access to credit

Pahl, Jan (2008) Family finances, individualisation, spending patterns and access to credit. Journal of Socio-Economics, 37 (2). pp. 577-591. ISSN 1053-5357. (doi:10.1016/j.socec.2006.12.041) (The full text of this publication is not currently available from this repository. You may be able to access a copy if URLs are provided)

The full text of this publication is not currently available from this repository. You may be able to access a copy if URLs are provided. (Contact us about this Publication)
Official URL
https://dx.doi.org/10.1016/j.socec.2006.12.041

Abstract

This paper presents and discusses empirical data suggesting that couples in the United Kingdom and elsewhere are becoming more individualised in their financial arrangements. Data on access to credit, and spending responsibilities, are used to explore the implications of individualisation. It is suggested that, though a couple's decision to keep their money separate may be motivated by a desire for equality and autonomy, the effect in some households may be to create inequality between the partners. The use of credit cards, which are essentially an individualised form of money, can privilege those with good credit ratings and disadvantage those who have less access to new forms of money. Finally, a wider view of the topic is explored, using evidence on the intra-household economy, on spending patterns and access to credit in sub-Saharan Africa, a part of the world with a long tradition of ‘separate pots’ for married couples. The article concludes that many of the issues in sub-Saharan Africa also apply in the ‘developed’ world.

Item Type: Article
DOI/Identification number: 10.1016/j.socec.2006.12.041
Uncontrolled keywords: Intra-household economy; Individualisation; Gender; Spending; Credit
Subjects: H Social Sciences > HM Sociology
Divisions: Faculties > Social Sciences > School of Social Policy Sociology and Social Research > Sociology
Faculties > Social Sciences > School of Social Policy Sociology and Social Research > Social Policy
Depositing User: Lisa Towers
Date Deposited: 03 Sep 2019 13:12 UTC
Last Modified: 04 Sep 2019 10:44 UTC
Resource URI: https://kar.kent.ac.uk/id/eprint/76153 (The current URI for this page, for reference purposes)
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