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Semi-structured individual in-depth interviews were conducted to explore and compare which social norms with regard to the debt-incurring process are important to Poles with various experiences of indebtedness. Thematic analysis within a constructionist framework identified the social norms important in the borrowing process for Poles and revealed, as expected, a number of differences between people with various indebtedness experiences. Model borrowers have a significantly different approach to debt than unreliable debtors and non-borrowers. Model borrowers seem to be oblivious to the negative sides of loans as well as indicate fewer reasons for justifying not repaying obligations than others. For unreliable debtors, loans are a quick way to solve financial problems. They borrow money out of necessity rather than to finance any larger, long-term investments and have their own private rules for borrowing. Non-borrowers, although aware of borrowers’ higher standard of living, emphasize that debt is associated with permanent stress and psychological burden. Model borrowers, unlike the others, declare that in their immediate vicinity are only those who use and pay their loans in a timely manner.
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