Date of Conferral







Mohammad Sharifzadeh


The problem addressed in this study is the ubiquitous nature and high level of consumer debt associated with certain demographics; however, research in the context of immigrants in the U.K. are limited. The problem is the lack of information about the association between credit card debt and immigrants, specifically on whether the income gap between U.K. immigrants and British citizens affects the level of consumer debt. The purpose of this quantitative cross-sectional correlational study is to examine whether there is an association between the income gap that exists between immigrants and British citizens and their respective levels of consumer debt, through an analysis of data collected by the British Household Survey using the tri-component attitude model (ABC model). The ABC model is tested using regression analysis to determine the proportion of the variation in the dependent variable explained by the independent variables. The research question formulated to guide the study is designed to explore the extent to which the ABC model indicates the relationship between consumer debt and immigrants on the income gap between immigrants in the U.K. and British citizens. In alignment with this purpose, the ABC model forms the theoretical foundation for the study. The sample for this analysis is U.K. immigrants included in the British Household Panel Survey (BHPS), which runs from 1991 to 2017.The findings from this study may assist in positive social change by providing specific information to banks and lending institutions on how they can manage the credit This study might help in expanding the body of knowledge about the association of credit debt and immigrants in UK, which has received a growing interest among researchers in the field of finance, economics and ethnopolitics.