Reputation for short-term borrowing had been calculated via participantsвЂ™ self-report (yes/no) of whether or not they had ever endured a short-term loan of all kinds, including pay day loans, name loans, payday loans, or just about any other as a type of short-term loan, excluding borrowing funds from household or buddies. In addition they reported should they currently possessed a short-term loan of any type and, in that case, the quantity of the loan in bucks. An additional question asked вЂњwhat kinds of things have you used short-term loans to pay for? to better understand the financial contexts motivating participants to take on short-term loansвЂќ reaction choices included food, resources, education, medical costs, holidays or leisure tasks, individual customer products (clothes, technology, etc.), costs linked to young ones or dependents, as well as other costs, and participants had been prompted to decide on all relevant reactions.