financeФинансы: теория и практика/Finance: Theory and PracticeFinance: Theory and Practice2587-56712587-7089Financial University under The Government of Russian Federation10.26794/2587-5671-2024-28-4-33-45finance-3061Research ArticleПОВЕДЕНЧЕСКАЯ ЭКОНОМИКАBEHAVIORAL ECONOMICSФакторы, влияющие на принятие финансовых решений: женский взглядFactors Affecting Financial Decision Making: The Women lecture’s Perspectivehttps://orcid.org/0000-0002-6625-9096АрумсариЮ. К.ArumsariY. K.

Юни Кусума Арумсари, докторант, преподаватель

Маланг

Yuni Kusuma Arumsari, Doctoral student, Lecturer

Malang

yka.finance2606@gmail.comhttps://orcid.org/0000-0002-9592-4630Сурачман.Surachman.

Сурачман, PhD, профессор

факультет экономики и бизнеса

Маланг

Surachman, PhD, Prof.

Faculty of Economics and Business

Malang

surachman@ub.ac.idhttps://orcid.org/0000-0001-8471-1261Сумиати.Sumiati.

Сумиати, PhD, профессор

факультет экономики и бизнеса

Маланг

Sumiati, PhD, Prof.

Faculty of Economics and Business

Malang

sumiati_atiek@yahoo.comhttps://orcid.org/0009-0002-5961-7032Андарвати.Andarwati.

Андарвати, PhD, старший преподаватель

факультет экономики и бизнеса

Маланг

Andarwati, PhD, Assoc. Prof.

Faculty of Economics and Business

Malang

andarwati@ub.ac.idУниверситет Бравиджая; Университет ГаджаянаИндонезияBrawijaya University; Gajayana UniversityIndonesiaУниверситет БравиджаяИндонезияBrawijaya UniversityIndonesia2024270820242843345Copyright © Арумсари Ю.К., Сурачман .., Сумиати .., Андарвати .., 20242024Арумсари Ю.К., Сурачман .., Сумиати .., Андарвати ..Arumsari Y.K., Surachman .., Sumiati .., Andarwati ..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/3061

   Изучению факторов, влияющих на принятие финансовых решений женщинами, посвящено большое количество поведенческих и финансовых исследований. Ввиду сложности этого явления и того, что оно охватывает различные аспекты жизни, принятие решений требует учета как финансовых, так и когнитивных факторов. Женщина как женаиграет жизненно важную роль в домашнем хозяйстве, особенно в плане принятия финансовых решений.

   Цель исследования заключается в оценке различных факторов, определяющих принятие решений преподавателей-женщин по Dpk LLDikti регион VII в Индонезии.

   Оценивается уровень взаимосвязи интеллекта (FI), который состоит из измерений числового интеллекта (FI NI), вербального понимания (FI VU), скорости восприятия (FI PS), индуктивного рассуждения (FI IR) и дедуктивного рассуждения (FI DR), а также финансовой грамотности (FL) с процессом принятия финансовых решений (FDM). Применяется количественный статистический метод для изучения взаимосвязи между указанными переменными. Используя smartPLS 4, первичные данные из структурированной анкеты с использованием 5-точечной шкалы Ликерта были проанализированы с применением частичных наименьших квадратов — метода моделирования структурных уравнений. FI NI; FI VU; FI PS; FI IR и FI DR продемонстрировали положительную и статистически значимую корреляцию с FI, о чем свидетельствуют полученные результаты. Это также свидетельствует о том, что FI и FL имеют позитивные и существенные связи. Результаты также показывают, что FI и FL имеют положительную и статистически значимую взаимосвязь с FDM. Для успешного результата FDM использует FI (FI VU; FI PS; FI IR; FI DR) и FL для оптимального осуществления систематического и логического процесса принятия решений.

   Research on women’s financial decision-making involves a great deal of behavior and financial research. Due to the complexity of the phenomenon and the fact that it encompasses various aspects of life, making a deep-seated decision necessitates consideration of both financial and cognitive factors. A woman, as a wife, plays a vital role in the household, especially in terms of financial decisions.

   The purpose of the study is to assess a variety of determinant-taking decisions lecturer finance woman, Dpk LLDikti Region VII, Indonesia.

   It evaluates connection intelligence fluid (FI), which consists of dimensions number intelligence (FI NI), verbal comprehension (FI VU), perception speed (FI PS), inductive reasoning (FI IR), and deductive reasoning (FI DR), as well as literacy finance (FL) with making financial decisions (FDM). It employs a quantitative statistical method to examine the relationship between specified variables. Using smartPLS 4, primary data from a structured questionnaire utilizing a 5-point Likert scale were analyzed using a partial least squares-structural equation modeling approach. FI NI; FI VU; FI PS; FI IR; and FI DR exhibited a positive and statistically significant correlation with FI, as indicated by the results. This also demonstrates that FI and FL have a positive and substantial relationship. The results also demonstrate that FI and FL have a positive and statistically significant relationship with FDM. Successful FDM requires FI (FI VU; FI PS; FI IR; FI DR) and FL to optimally execute a systematic and logical decision-making process.

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