Факторы финансовой грамотности и их влияние на финансовое благополучие — исследование молодого населения Харьяны, Индия

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. 

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