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FSD3326 Experiences of Unsecured Consumer Loans 2018-2019

The dataset is (C) available for research only (including e.g. Master's, licentiate and doctoral theses). The dataset may not be used for other theses (e.g. Bachelor's or polytechnic theses), for other study purposes (e.g. seminar papers, essays) or teaching.

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  • Iivonen, Saija (Tampere University. Faculty of Social Sciences)


consumers, debts, expenditure, income, loans, personal debt repayment, personal finance management


The data, collected as free text responses from participants, chart reasons for and experiences of applying for unsecured consumer loans. Twenty people participated in the study.

The participants were asked why they had applied for unsecured consumer loans (payday loans or "quick loans") offered by other institutions than traditional banks. The reasons ranged from various life situations, unexpected costs and slow working of the social support system. Some participants also wrote about the repayment of the loans.

Background information included the participants' gender, year of birth, place of residence as well as their age and education level at the time they had applied for the loan.

The dataset is only available in Finnish.

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Metadata record is licensed under a CC BY 4.0 license.