Влияние привязанности, стадности и неприятия потерь на принятие инвестиционных решений работающими женщинами

Область поведенческих финансов объединяет экономические и психологические концепции для понимания и разъяснения процесса принятия решений, связанных с личными финансами. Цель данной работы — определить влияние привязанности, стадного эффекта и неприятия потерь на принятие инвестиционных решений работающими женщинами-инвесторами. Выборка состоит из 196 работающих женщин-инвесторов, торгующих на индийском фондовом рынке из штата Уттар-Прадеш, Индия. Для сбора данных использовалась структурированная анкета, основанная на пятибалльной шкале Лайкерта. Данные анализировались при помощи программного обеспечения SPSS (версия 22) с применением функции линейной регрессии. Результаты этого исследования подтвердили, что якорение, стадное поведение и предвзятость к избеганию потерь оказывают значительное положительное влияние на принятие инвестиционных решений работающими женщинами-инвесторами. На основании полученных данных сделан вывод о том, что эффект якоря оказывает наибольшее влияние на инвестиционные решения работающих женщин-инвесторов, за ним следует стадный эффект, в то время как избегание потерь менее всего влияет на принятие инвестиционных решений работающих женщин-инвесторов. Результаты данного исследования имеют важное значение для работающих женщин-инвесторов, исследователей, политиков и финансовых консультантов. Осознание этих поведенческих предубеждений жизненно важно для расширения возможностей работающих женщин по принятию обоснованных и рациональных инвестиционных решений. Финансовым консультантам и политикам важно признать эти поведенческие предубеждения, чтобы предложить индивидуальное консультирование и поддержку работающим женщинам-инвесторам. Несмотря на то что эти предвзятости влияют на людей обоих полов одинаково, это исследование сосредоточено на том, как они особенно влияют на работающих женщин, поскольку они часто сталкиваются с определенными социокультурными условиями и ожиданиями.

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