Изучение поведенческих аспектов принятия финансовых решений работающими женщинами
https://doi.org/10.26794/2587-5671-2022-26-6-288-301
Аннотация
В условиях сложных и нестабильных финансовых рынков инвестору приходится часто менять свои финансовые цели, что приводит к диверсификации портфеля инвестиций. Финансовое будущее индивидуального инвестора зависит от его рационального принятия решений. Цель данного исследования – оценить различные детерминанты принятия финансовых решений работающими женщинами в Национальном столичном регионе Индии. Изучена связь финансовой грамотности, планирования личных финансов и рискованного поведения при принятии финансовых решений работающими женщинами. Авторы также изучили различные экзогенные переменные финансовой грамотности, включая финансовое отношение (FA), финансовое поведение (FB) и финансовые знания (FK). Использован количественный подход для прогнозирования взаимосвязей между идентифицированными переменными. Исследование основано на первичных данных, собранных с помощью структурированной анкеты, составленной по 5-балльной шкале Лайкерта, и проанализировано с помощью метода частичного наименьшего квадрата – моделирования структурных уравнений (PLS-SEM). Результаты исследования свидетельствуют о положительной и значительной связи финансовой грамотности и планирования личных финансов с принятием финансовых решений работающими женщинами. С другой стороны, рискованное поведение отрицательно влияет на принятие финансовых решений. Показано, что все три экзогенные переменные – финансовое отношение, финансовое поведение и финансовые знания – имеют сильную связь с финансовой грамотностью. Результаты исследования могут быть полезны женщинам, инвестирующим в различные финансовые инструменты, для принятия лучших решений и финансовым менеджерам учреждений, поскольку женщины являются потенциальными инвесторами в такой развивающейся стране, как Индия.
Ключевые слова
JEL: D91; G41
Об авторах
Ч. ГаутамИндия
Чаандни Гаутам – научный сотрудник бизнес-школы Амити
Нойда, Уттар-Прадеш
Конфликт интересов:
авторы заявляют об отсутствии конфликта интересов
Р. Вадхва
Индия
Риту Вадхва – MBA (финансы), доктор философии, доцент бизнес-школы Амити
Нойда, Уттар-Прадеш
Конфликт интересов:
авторы заявляют об отсутствии конфликта интересов
Т. В. Раман
Индия
Таникелла Венката Раман – MBA, доктор философии в области менеджмента, доцент кафедры бухгалтерского учета и финансов
Нойда
Конфликт интересов:
авторы заявляют об отсутствии конфликта интересов
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Рецензия
Для цитирования:
Гаутам Ч., Вадхва Р., Раман Т.В. Изучение поведенческих аспектов принятия финансовых решений работающими женщинами. Финансы: теория и практика/Finance: Theory and Practice. 2022;26(6):288-301. https://doi.org/10.26794/2587-5671-2022-26-6-288-301
For citation:
Gautam C., Wadhwa R., Raman T.V. Examining Behavioural Aspects of Financial Decision Making: The Working Women Perspective. Finance: Theory and Practice. 2022;26(6):288-301. https://doi.org/10.26794/2587-5671-2022-26-6-288-301