References
- Asch, S. E. (1952). Social psychology. Prentice-Hall.
- Autoriteit Financiële Markten. (2013, March). Betalingsachterstanden bij Hypotheken. Google search. Retrieved February 22, 2023, from https://www.google.com/search?client=firefox-b-d&q=AFM%2Bleidraden%252Fbetalingsachterstanden-hypotheken
- Babcock, E. (2018). Using brain science to transform human services and increase personal mobility from poverty. US Partnership on Mobility from Poverty.
- Banks, M. (2020). Almost two thirds of EU citizens have experienced financial difficulties during COVID-19 crisis, says poll. The Parliament Magazine. Retrieved June 12, 2021, from https://www.theparliamentmagazine.eu/news/article/almost-two-thirds-of-eu-citizens-have-experienced-financial-difficulties-during-covid19-crisis-says-poll.
- Blumenthal, M., Christian, C. L., & Slemrod, J. (2001). Do normative appeals affect tax compliance? Evidence from a controlled experiment in minnesota. National Tax Journal, 54(1), 125–16. https://doi.org/10.17310/ntj.2001.1.06
- Burn, S. M. (1991). Social psychology and the stimulation of recycling behaviors: The block leader approach. Journal of Applied Social Psychology, 21(8), 611–629. https://doi.org/10.1111/j.1559-1816.1991.tb00539.x
- Cialdini, R. B. (2001). The science of persuasion. Scientific American, 284(2), 76–81. https://doi.org/10.1038/scientificamerican0201-76
- Cialdini, R. B. (2009). Influence: Science and practice. William Morrow.
- Cialdini, R. B., Demaine, L. J., Sagarin, B. J., Barrett, D. W., Rhoads, K., & Winter, P. L. (2006). Managing social norms for persuasive impact. Social Influence, 1(1), 3–15.
- Cialdini, R. B., & Goldstein, N. J. (2004). Social Influence: Compliance and conformity. Annual Review of Psychology, 55(1), 591–621. https://doi.org/10.1146/annurev.psych.55.090902.142015
- Cialdini, R. B., Reno, R. R., & Kallgren, C. A. (1990). A focus theory of normative conduct: Recycling the concept of norms to reduce littering in public places. Journal of Personality and Social Psychology, 58(6), 1015–1026. https://doi.org/10.1037/0022-3514.58.6.1015
- Financial Conduct Authority. (2016). Early arrears management in unsecured lending. Retrieved February 22, 2023, from https://www.fca.org.uk/publications/thematic-reviews/early-arrears-managementunsecured-lending-tr16-10.
- Griskevicius, V., Goldstein, N. J., Mortensen, C. R., Cialdini, R. B., & Kenrick, D. T. (2006). Going along versus going alone: When fundamental motives facilitate strategic (non)conformity. Journal of Personality and Social Psychology, 91(2), 281–294. https://doi.org/10.1037/0022-3514.91.2.281
- Hallsworth, M., List, J. A., Metcalfe, R., & Vlaev, I. (2014). The behavioralist as tax collector: Using natural field experiments to enhance tax compliance. Social Science Research Network. https://doi.org/10.3386/w20007
- Jacobson, R. P., Mortensen, C. R., & Cialdini, R. B. (2011). Bodies obliged and unbound: Differentiated response tendencies for injunctive and descriptive social norms. Journal of Personality and Social Psychology, 100(3), 433–448. https://doi.org/10.1037/a0021470
- Karlsson, N., Loewenstein, G., & Seppi, D. J. (2009). The ostrich effect: Selective attention to information. Journal of Risk and Uncertainty, 38(2), 95–115. https://doi.org/10.1007/s11166-009-9060-6
- Keizer, M. (2016). Afgelost is opgelost. Hoe verlagen we de drempel tot het zoeken van contact? Retrieved June 12, 2021 from https://www.syncasso.nl/wpcontent/uploads/2016/10/Onderzoeksrapport-AfgelostOpgelost.pdf.
- Larkin, C., Sanders, M. K., Andresen, I., & Algate, F. (2019). Testing local descriptive norms and salience of enforcement action: A field experiment to increase tax collection. Journal of Behavioral Public Administration, 2(1). https://doi.org/10.30636/jbpa.21.54
- Latané, B., & Wolf, S. G. (1981). The social impact of majorities and minorities. Psychological Review, 88(5), 438–453. https://doi.org/10.1037/0033-295x.88.5.438
- Mani, A., Mullainathan, S., Shafir, E., & Zhao, J. (2013). Poverty impedes cognitive function. Science, 341(6149), 976–980. https://doi.org/10.1126/science.1238041
- Manning, M. (2009). The effects of subjective norms on behaviour in the theory of planned behaviour: A meta-analysis. British Journal of Social Psychology, 48(4), 649–705. https://doi.org/10.1348/014466608x393136
- Mollen, S., Rimal, R. N., Ruiter, R. A. C., & Kok, G. (2013). Healthy and unhealthy social norms and food selection. Findings from a field-experiment. Appetite, 65, 83–89. https://doi.org/10.1016/j.appet.2013.01.020
- Mortensen, C. R., Neel, R., Cialdini, R. B., Jaeger, C., Jacobson, R. P., & Ringel, M. M. (2019). Trending Norms: A lever for encouraging behaviors performed by the minority. Social Psychological and Personality Science, 10(2), 201–210. https://doi.org/10.1177/1948550617734615
- Nederlandse Vereniging voor Volkskrediet. (2018). Jaarverslag 2018. Retrieved June 12, 2021 from http://jaarverslag.nvvk.eu/2018/toelichting-cijfers/index.html.
- Roberts, P. (2001). AN OUNCE of PREVENTION and a POUND of CURE: Developing state policy on the payment of child support arrears by low income parents. Retrieved June 12, 2021 from https://www.google.com/search?q=preventive+debt+2001+roberts&client=firefox-b-d&ei=0rP6YdjhOYbxsAfi6KPQAg&ved=0ahUKEwjYkpbTuuH1AhWGOOwKHWL0CCoQ4dUDCA0&uact=5&oq=preventive+debt+2001+roberts&gs_lcp=Cgdnd3Mtd2l6EANKBAhBGAFKBAhGGABQzQpYwzZgiDpoBHAAeACAAWKIAd4GkgECMTSYAQCgAQHAAQE&sclient=gws-wiz.
- Schäfer, T., & Schwarz, M. A. (2019). The meaningfulness of effect sizes in psychological research: Differences between sub-disciplines and the impact of potential biases. Frontiers in Psychology, 10, 813. https://doi.org/10.3389/fpsyg.2019.00813
- Schonewille, G., & Crijnen, C. (2018). Financiële problemen 2018 Geldzaken in de praktijk 2018-2019 deel 1. Retrieved from https://www.nibud.nl/beroepsmatig/financieel-problemen-rapport-2018/
- Schultz, P. W. (1999). Changing behavior with normative feedback interventions: A field experiment on curbside recycling. Basic and Applied Social Psychology, 21(1), 25–36. https://doi.org/10.1207/s15324834basp2101_3
- Sharot, T. (2011). The optimism bias. Current Biology, 21(23), R941–945. https://doi.org/10.1016/j.cub.2011.10.030
- Sherif, M. (1937). An Experimental approach to the study of attitudes. Sociometry, 1(1/2), 90. https://doi.org/10.2307/2785261
- Tajfel, H. (1974). Social identity and intergroup behaviour. Social Science Information, 13(2), 65–93. https://doi.org/10.1177/053901847401300204
- Tiemeijer, W. (2016) Eigen Schuld? Een gedragswetenschappelijk perspectief op problematische Schulden. WRR. Retrieved February 22, 2023, from https://www.wrr.nl/publicaties/verkenningen/2016/06/30/eigen-schuld-een-gedragswetenschappelijk-perspectief-op-problematische-schulden.
- Turner, J. C., & Reynolds, K. J. (1987). A self-categorization theory. In J. Turner, M. Hogg, P. Oakes, S. Reicher, & M. Wetherell (Eds.), Rediscovering the social group: A self-categorization theory (pp. 42–67). Basil Blackwell.
- Walker, C. (2013). Manufacturing the right way to be in debt: Can psychologists explore the UK debt industry? Australian Journal of Community Psychology, 25(1), 49–59.
- Wenzel, M. (2004). An analysis of norm processes in tax compliance. Journal of Economic Psychology, 25(2), 213–228. https://doi.org/10.1016/s0167-4870(02)00168-x
- Westhof, F., De Ruig, L., & Kerckhaert, A. (2015). Huishoudens in de rode cijfers 2015. Over schulden van Nederlandse huishoudens en preventiemogelijkheden. Panteia.