financeФинансы: теория и практика/Finance: Theory and PracticeFinance: Theory and Practice2587-56712587-7089Financial University under The Government of Russian Federation10.26794/2587-5671-2022-26-5-121-131finance-1809Research ArticleФИНАНСОВАЯ ГРАМОТНОСТЬFINANCIAl lITERACYФакторы финансовой грамотности и их влияние на финансовое благополучие — исследование молодого населения Харьяны, ИндияDeterminants of Financial literacy and its influence on Financial Wellbeing — a study of the Young Population in Haryana, indiahttps://orcid.org/0000-0002-7069-0778Сангита.Sangeeta.

Сангита —  научный сотрудник, финансовый факультет

Большая Ноида

Sangeeta —  PhD Scholar

Greater Noida

rajputsangeeta47@gmail.comhttps://orcid.org/0000-0002-4104-8188АггарвалП. К.AggarwalP. K.

Прадип Кумар Аггарвал —  PhD, профессор, финансовый факультет, SBS

Большая Ноида

Pradeep K. Aggarwal — PhD, Prof., Finance Department, SBS

Greater Noida

pradeep.aggarwal@sharda.ac.inhttps://orcid.org/0000-0002-4078-7210СангалА.SangalA.

Атул Сангал —  PhD, доцент, SBS

Большая Ноида

Atul Sangal —  PhD, Assoc. Prof., SBS

Greater Noida

atul.sangal@sharda.ac.inУниверситет ШардаИндияSharda UniversityIndia202208112022265121131Copyright © Сангита .., Аггарвал П.К., Сангал А., 20222022Сангита .., Аггарвал П.К., Сангал А.Sangeeta .., Aggarwal P.K., Sangal A.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://financetp.fa.ru/jour/article/view/1809

Цель данного исследования —  определить, как финансовые знания, отношение и поведение (факторы финансовой грамотности) влияют на общее финансовое благополучие человека.

Методологической основой исследования стал опрос 115 респондентов, для чего была разработана хорошо структурированная анкета. Для проведения PLS– анализа использована программа Smart PLS версии 3. Авторы применили многомерную методологию под названием Structural Equation Modelling (SEM) для интеграции характеристик, которые нельзя увидеть напрямую.

Сделан вывод, что финансовое отношение, как и финансовое поведение влияют на финансовое благополучие, при этом финансовое поведение в большей степени оказывает влияние на финансовое благополучие, в то время как финансовые знания не оказывают никакого влияния. Конечная цель финансовой грамотности заключается в повышении уровня финансового благополучия среди населения. Результаты данного исследования могут быть использованы политиками, правительством и образовательными институтами, которые должны уделять больше внимания улучшению именно тех определяющих факторов финансовой грамотности, которые влияют на финансовое благополучие. 

The purpose of this study —  is to determine how financial knowledge, attitudes and behaviours (determinants of financial literacy) influence an individual’s overall financial well-being.

The methodological basis of the study was a survey of 115 respondents, for which a well-structured questionnaire was developed. Smart PLS version 3 software was used to conduct the PLS analysis. The authors applied a multivariate methodology called Structural Equation Modelling (SEM) to integrate characteristics that cannot be seen directly.

It is concluded that both financial attitudes and financial behaviour affect financial well-being, with financial behaviour having a greater impact on financial well-being, while financial knowledge does not. The ultimate goal of financial literacy is to increase financial well-being among the population. The results of this study can be used by policy makers, government and educational institutions who should pay more attention to improving the very determinants of financial literacy that affect financial well-being.

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The authors declare that there are no conflicts of interest present.