financeФинансы: теория и практика/Finance: Theory and PracticeFinance: Theory and Practice2587-56712587-7089Financial University under The Government of Russian Federation10.26794/2587-5671-2024-28-6-1151-01finance-3321Research ArticleПОВЕДЕНЧЕСКАЯ ЭКОНОМИКАBEHAVIORAL ECONOMICSЧто определяет финансовое поведение домохозяйств в Пенджабе (Пакистан)What Determines Household’s Financial Behavior? A Case of Punjab, Pakistanhttps://orcid.org/0000-0003-0341-1510ХабибаУ.HabibahU.

Уме Хабиба - аспирантка, Департамент делового администрирования

Суккур

Ume Habibah - PhD Scholar, Department of Business Administration

Sukkur

umehabibah.92@gmail.comhttps://orcid.org/0000-0003-4312-2430БхайоМ. У.Р.BhayoM. U.R.

Муджиб-у-Рехман Бхайо - PhD, доцент, профессор, Департамент финансов

Карачи

Mujeeb-u-Rehman Bhayo - PhD, Assist. Prof., Department of Finance

Karachi

murbhayo@iba.edu.pkУниверситет МБА в СуккуреПакистанSukkur IBA UniversityPakistanШкола бизнес-исследований, Институт делового администрированияПакистанSchool of Business Studies, Institute of Business AdministrationPakistan202404012025286186195Copyright © Хабиба У., Бхайо М.У., 20242024Хабиба У., Бхайо М.У.Habibah U., Bhayo M.U.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/3321

Цель данной работы — ответить на вопрос, что влияет на финансовое поведение пакистанских домохозяйств? Учитывая эпистемологические принципы интерпретационизма, онтологические принципы субъективизма и индуктивный подход, в данной работе используются качественные методы исследования. Проведено 38 полуструктурированных интервью. Полученные результаты свидетельствуют о том, что финансовое планирование домохозяйств в Пакистане определяют демографические и макроэкономические факторы. Намерения, общество и культура влияют на расходы домохозяйств, а специальная цель и наличие сбережений определяют их сберегательное поведение. В научной литературе нет однозначного мнения относительно детерминант финансового поведения домохозяйств, в первую очередь из-за различий в культуре разных стран. Это подчеркивает важность отдельного изучения финансового поведения домохозяйств в условиях Пакистана. Оригинальность заключается в исследовании факторов, определяющих финансовое поведение пакистанских домохозяйств.

The purpose of this paper is to answer, what determines financial behavior of Pakistani Households? Considering the interpretivism as epistemological considerations, subjectivism as ontological considerations, and induction as research approach, this study employs the qualitative research methods. 38 semi structured interviews are conducted. The results suggest that financial planning of households in Pakistan is determined by demographic and macroeconomic factors. Intentions, society and culture influence household spending, and the special purpose and availability of savings determine their savings behavior. The literature is inconclusive regarding the determinants of household financial behavior, primarily because of differences in culture. This emphasizes the importance of separately studying household financial behavior in settings of Pakistan. The originality lies in exploring the factors in determining Pakistani households’ financial behavior.

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