RESEARCH OF A PSYCHOLOGICAL DEBT CONTRACT CONTENT
https://doi.org/10.18384/2310-7235-2022-2-60-78
Abstract
Aim. An empirical study of the content of a psychological debt contract with the aim of further developing a methodology for its diagnosis.
Methodology. An extended application of the concept of “psychological contract” is proposed, which can be used for the analysis of debt interaction. Psychological debt contract governs the relationship between the borrower and the lender (the latter can be either an individual or an organization), in which there is both an explicit and implicit agreement on mutual exchange. To clarify the structure of a debt psychological contract, an “associative experiment” was used, 76 sessions in total, 2200 associations were obtained. The core and the periphery of social representations about debt interaction according to P. Vergиs are highlighted. Core social representations about different types of debt interactions made it possible to identify stable elements of a debt psychological contract.
Results. Psychological debt contract as a type of psychological contract is an exchange of obligations (what I do or should do) and expectations (what the other does or should do) regarding the size of the loan – a large or small amount, its cost – the presence or absence of interest, the interaction time – short-term or long-term, the clarity of the conditions, return (total, delayed or defaulted), the number of participants in the interaction and its evaluation (rational, emotional and value-based).
Theoretical and/or practical significance. The study contributes to understanding the mechanisms of people’s debt behavior and makes it possible to develop a methodology of a psychological debt contract diagnostics.
Keywords
psychological contract,
psychological debt contract,
social interaction,
social exchange,
expectations,
obligations
Supporting agencies: This article is based on the results of studies carried out at the expense of budget funds on a state assignment no 0138-2021-0010.
About the Authors
M. A. Gagarina
Financial University under the Government of the Russian Federation; Institute of Psychology, Russian Academy of Sciences
Russian Federation
Russian Federation
Maria A. Gagarina – cand. Sci. (Psychology), Assoc. Prof., department of Psychology and human capital development; Associate Research Assistant
Leningradsky pr., 49, Moscow 125993
ul. Yaroslavskaya, 13-1, Moscow 129366
V. B. Ryabov
Institute of Psychology, Russian Academy of Sciences
Russian Federation
Russian Federation
Vladimir B. Rybov – cand. Sci. (Technics), Senior Researcher, Laboratory of labor psychology, ergonomics, engineering and organizational psychology
Leningradsky pr., 49, Moscow 125993
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