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Schulden und Konsumverhalten: Unter besonderer Berücksichtigung von Menschen unter 25 Jahren

Schulden und Konsumverhalten: Unter besonderer Berücksichtigung von Menschen unter 25 Jahren

          
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About the Book

Studienarbeit aus dem Jahr 2010 im Fachbereich Soziale Arbeit / Sozialarbeit, Note: 2,3, Fachhochschule Braunschweig / Wolfenbüttel; Standort Wolfenbüttel, Veranstaltung: Projekt Schuldnerberatung, Sprache: Deutsch, Abstract: Immer wieder hört oder liest man in den Medien, dass Jugendliche überschuldet sind. Wie kommt es dazu? Dieser Frage werde ich in meiner Hausarbeit nachgehen. Um dies zu klären betrachte ich zum Einen das Konsumverhalten, das zu den Schulden führt. Darüber hinaus versuche ich jedoch auch zu klären, was die Gründe dafür sind, dass (junge) Menschen in die Schuldenfalle geraten. Da die meisten Menschen im Alter von 25 Jahren im Erwerbsleben stehen, beschränke ich mich v.a. auf die Gruppe der Menschen, die jünger ist, zu der Schüler, Auszubildende und auch Studenten gehören Zunächst gilt es zu definieren, was unter der Verschuldung von Jugendlichen zu verstehen ist. Dazu werde ich eine Bestandsaufnahme machen. Im Hauptteil meiner Hausarbeit werde ich auf die Einnahmen- und Ausgabenseite der Jugendlichen eingehen und die Ursachen der Verschuldung aufzuzeigen versuchen. In diesem Zusammenhang werde ich auch der Frage nachgehen welche Rolle die Bildung und der Erziehungsstil der Eltern im Hinblick auf das Konsumverhalten spielen. Dazu werde ich auf folgenden Thesen nachgehen: - Gründe für die Überschuldung sind große ökonomische Probleme und Einschnitte im sozialen Bereich. - Hauptursachen für die Verschuldung sind größere Anschaffungen und die Leichtigkeit an Kredite zu kommen! - Die Menschen haben unabhängig vom Alter Schulden. - Jugendliche in Deutschland haben ein regelmäßiges Taschengeld und die Sparquote sinkt je älter sie sind. - Einnahmen erhalten die jungen Menschen vorwiegend durch ihre Eltern, Ausbildung usw. - Im Unterschied zu Männern sparen Frauen mehr. - Kredite werden aus Konsumgründen aufgenommen zur Orientierung an höheren Einkommen! - Durch den Dispositionskredit ist es sehr leicht


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Product Details
  • ISBN-13: 9783640730261
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 1 mm
  • Weight: 41 gr
  • ISBN-10: 3640730267
  • Publisher Date: 23 Oct 2010
  • Height: 210 mm
  • No of Pages: 20
  • Series Title: German
  • Sub Title: Unter besonderer Berücksichtigung von Menschen unter 25 Jahren
  • Width: 148 mm


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