دانلود مقاله ISI انگلیسی شماره 61967
عنوان فارسی مقاله

اهمیت خودکارآمدی مالی در توضیح رفتار امور مالی شخصی زنان

کد مقاله سال انتشار مقاله انگلیسی ترجمه فارسی تعداد کلمات
61967 2016 15 صفحه PDF سفارش دهید محاسبه نشده
خرید مقاله
پس از پرداخت، فوراً می توانید مقاله را دانلود فرمایید.
عنوان انگلیسی
The significance of financial self-efficacy in explaining women’s personal finance behaviour
منبع

Publisher : Elsevier - Science Direct (الزویر - ساینس دایرکت)

Journal : Journal of Economic Psychology, Volume 54, June 2016, Pages 85–99

کلمات کلیدی
خودکارآمدی مالی ؛ امور مالی شخصی
پیش نمایش مقاله
پیش نمایش مقاله اهمیت خودکارآمدی مالی در توضیح رفتار امور مالی شخصی زنان

چکیده انگلیسی

Much policy attention has been placed on enhancing individuals’ financial knowledge and literacy, chiefly through financial education programs. However, managing one’s personal finances takes more than financial knowledge and literacy: an individual also needs a sense of self-assuredness, or ‘self-belief’, in their own capabilities. This personal attribute is known within the psychology literature as ‘self-efficacy’. This paper examines the significance of an individual’s financial self-efficacy in explaining their personal finance behaviour, through the application of a psychometric instrument. Using a 2013 survey of Australian women, financial self-efficacy emerges as one of the strongest predictors of the type and number of financial products that a woman holds. Specifically, our analysis reveals that women with higher financial self-efficacy – that is, with greater self-assuredness in their financial management capacities – are more likely to hold investment and savings products, and less likely to hold debt-related products. Even alongside other important factors – such as education, financial risk preferences, age and household income – the explanatory power of financial self-efficacy is found to be significant at the 1% critical level. Moreover, the significance of financial self-efficacy is independently identified from that of financial literacy factors, which bears important implications for the development of policies aiming to improve financial outcomes.

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