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1	The changing needs of a household's demand for liabilities over the life course : focused on young adults Malan, Shan 05 1900 (has links) South Africans carry high debt levels and many deal with the threat of over-indebtedness. In particular, the debt situation of the youth is of utmost concern. This study was undertaken to gain an understanding of how the liability usage of households fluctuates over the life course. The main objective was to identify and describe how debt is accumulated by young South Africans and how household characteristics and events may be related to the uptake of household liabilities. This study conducted a comprehensive literature review culminating with the development of a heuristic model that identified variables that may affect household debt uptake. Quantitative statistical analysis techniques were employed on secondary data acquired from the South African Audience Research Foundation’s All Media and Products Survey for the years 1999 until 2013. The findings identified that household debt follows a familiar life cycle pattern. A number of independent variables were shown to affect household debt uptake. Furthermore, certain of these variables are related to the trajectories of the life course. / Taxation / M. Acc. Sci. Debt product uptake Household debt Household debt indicators Liabilities Life course Life stages Unsecured debt Variables affecting debt uptake Youth 332.02400968 Finance, Personal -- South Africa Households -- South Africa Young adults -- Finance, Personal Debt -- South Africa

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The changing needs of a household's demand for liabilities over the life course : focused on young adults