Usury has been predominantly studied as an economic or legal phenomenon and only recently has gotten into the spotlight of sociological research. This article aims to contribute to the current literature by operationalising usury vulnerability and analysing household factors impacting it, using the European Union Statistics on Income and Living Conditions (EU-SILC) data for Italy. To construct usury vulnerability, we examined variables measuring a household’s financial and material well-being. As to factors impacting the phenomenon, we included those reflecting a socio-demographic position of a household (household composition and territorial position within the country, age, sex, education, and employment status of the top earner). The estimation results indicate that all micro-level factors matter in terms of usury vulnerability. Therefore, by identifying the most vulnerable social groups, the model might help develop relevant policy interventions to fight the spread of usury, especially in times of economic decline.

Stefanizzi, S., Lysova, T. (2024). Usury vulnerability: measuring and modelling the phenomenon in Italy. QUALITY & QUANTITY [10.1007/s11135-024-01841-w].

Usury vulnerability: measuring and modelling the phenomenon in Italy

Stefanizzi S.
Primo
;
Lysova T.
2024

Abstract

Usury has been predominantly studied as an economic or legal phenomenon and only recently has gotten into the spotlight of sociological research. This article aims to contribute to the current literature by operationalising usury vulnerability and analysing household factors impacting it, using the European Union Statistics on Income and Living Conditions (EU-SILC) data for Italy. To construct usury vulnerability, we examined variables measuring a household’s financial and material well-being. As to factors impacting the phenomenon, we included those reflecting a socio-demographic position of a household (household composition and territorial position within the country, age, sex, education, and employment status of the top earner). The estimation results indicate that all micro-level factors matter in terms of usury vulnerability. Therefore, by identifying the most vulnerable social groups, the model might help develop relevant policy interventions to fight the spread of usury, especially in times of economic decline.
Editoriale, introduzione, contributo a forum/dibattito
EU-SILC; Italy; Measurement development; Negative binomial regression; Usury vulnerability;
English
14-feb-2024
2024
open
Stefanizzi, S., Lysova, T. (2024). Usury vulnerability: measuring and modelling the phenomenon in Italy. QUALITY & QUANTITY [10.1007/s11135-024-01841-w].
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Utilizza questo identificativo per citare o creare un link a questo documento: https://hdl.handle.net/10281/456415
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