{"title":"新兴成年人财务状况的决定因素：财务风险承受能力的调节作用","authors":"Reem Alsuwaidi, Syed Zamberi Ahmad, Khalizani Khalid","doi":"10.1108/ijse-08-2023-0668","DOIUrl":null,"url":null,"abstract":"<h3>Purpose</h3>\n<p>This study explores the determinants of financial well-being (FW) among emerging adults and investigates the moderating role of financial risk tolerance in the relationship between financial capability and financial behavior.</p><!--/ Abstract__block -->\n<h3>Design/methodology/approach</h3>\n<p>In total, 257 useable data were collected from federal and private university students, representing Emirati emerging adults aged 18 to 29. The analysis employed a structural equation model through AMOS 17.0.</p><!--/ Abstract__block -->\n<h3>Findings</h3>\n<p>Structural modeling results show that gender, monthly expenses, financial literacy and financial socialization influence financial capability and financial capability impacts both financial behavior and FW. Financial risk tolerance moderates the relationship between financial capability and financial behavior.</p><!--/ Abstract__block -->\n<h3>Practical implications</h3>\n<p>This study offers insights useful for policymakers, industry players and educators seeking to address financial literacy, financial capability and financial behavior to enhance the FW of emerging adults.</p><!--/ Abstract__block -->\n<h3>Originality/value</h3>\n<p>The study sheds light on the intricate yet comprehensive FW model of emerging adults in a non-Western context. The study also offers a new, more complex view of the function of financial literacy and financial socialization in financial capability. Combining family financial socialization and risk-return theories in an organic viewpoint allows for a more in-depth examination of a critical distinction between the role of literacy and socialization in shaping attitude and behavior and its function as a platform for financial discourse, which can inform how educational efforts and social platforms can be leveraged to improve financial acumen and FW.</p><!--/ Abstract__block -->\n<h3>Peer review</h3>\n<p>The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-08-2023-0668</p><!--/ Abstract__block -->","PeriodicalId":47714,"journal":{"name":"INTERNATIONAL JOURNAL OF SOCIAL ECONOMICS","volume":"9 1","pages":""},"PeriodicalIF":1.9000,"publicationDate":"2024-09-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Determinants of financial well-being for emerging adults: the moderating effect of financial risk tolerance\",\"authors\":\"Reem Alsuwaidi, Syed Zamberi Ahmad, Khalizani Khalid\",\"doi\":\"10.1108/ijse-08-2023-0668\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<h3>Purpose</h3>\\n<p>This study explores the determinants of financial well-being (FW) among emerging adults and investigates the moderating role of financial risk tolerance in the relationship between financial capability and financial behavior.</p><!--/ Abstract__block -->\\n<h3>Design/methodology/approach</h3>\\n<p>In total, 257 useable data were collected from federal and private university students, representing Emirati emerging adults aged 18 to 29. The analysis employed a structural equation model through AMOS 17.0.</p><!--/ Abstract__block -->\\n<h3>Findings</h3>\\n<p>Structural modeling results show that gender, monthly expenses, financial literacy and financial socialization influence financial capability and financial capability impacts both financial behavior and FW. Financial risk tolerance moderates the relationship between financial capability and financial behavior.</p><!--/ Abstract__block -->\\n<h3>Practical implications</h3>\\n<p>This study offers insights useful for policymakers, industry players and educators seeking to address financial literacy, financial capability and financial behavior to enhance the FW of emerging adults.</p><!--/ Abstract__block -->\\n<h3>Originality/value</h3>\\n<p>The study sheds light on the intricate yet comprehensive FW model of emerging adults in a non-Western context. The study also offers a new, more complex view of the function of financial literacy and financial socialization in financial capability. Combining family financial socialization and risk-return theories in an organic viewpoint allows for a more in-depth examination of a critical distinction between the role of literacy and socialization in shaping attitude and behavior and its function as a platform for financial discourse, which can inform how educational efforts and social platforms can be leveraged to improve financial acumen and FW.</p><!--/ Abstract__block -->\\n<h3>Peer review</h3>\\n<p>The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-08-2023-0668</p><!--/ Abstract__block -->\",\"PeriodicalId\":47714,\"journal\":{\"name\":\"INTERNATIONAL JOURNAL OF SOCIAL ECONOMICS\",\"volume\":\"9 1\",\"pages\":\"\"},\"PeriodicalIF\":1.9000,\"publicationDate\":\"2024-09-11\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"INTERNATIONAL JOURNAL OF SOCIAL ECONOMICS\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.1108/ijse-08-2023-0668\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q2\",\"JCRName\":\"ECONOMICS\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"INTERNATIONAL JOURNAL OF SOCIAL ECONOMICS","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1108/ijse-08-2023-0668","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q2","JCRName":"ECONOMICS","Score":null,"Total":0}
Determinants of financial well-being for emerging adults: the moderating effect of financial risk tolerance
Purpose
This study explores the determinants of financial well-being (FW) among emerging adults and investigates the moderating role of financial risk tolerance in the relationship between financial capability and financial behavior.
Design/methodology/approach
In total, 257 useable data were collected from federal and private university students, representing Emirati emerging adults aged 18 to 29. The analysis employed a structural equation model through AMOS 17.0.
Findings
Structural modeling results show that gender, monthly expenses, financial literacy and financial socialization influence financial capability and financial capability impacts both financial behavior and FW. Financial risk tolerance moderates the relationship between financial capability and financial behavior.
Practical implications
This study offers insights useful for policymakers, industry players and educators seeking to address financial literacy, financial capability and financial behavior to enhance the FW of emerging adults.
Originality/value
The study sheds light on the intricate yet comprehensive FW model of emerging adults in a non-Western context. The study also offers a new, more complex view of the function of financial literacy and financial socialization in financial capability. Combining family financial socialization and risk-return theories in an organic viewpoint allows for a more in-depth examination of a critical distinction between the role of literacy and socialization in shaping attitude and behavior and its function as a platform for financial discourse, which can inform how educational efforts and social platforms can be leveraged to improve financial acumen and FW.
Peer review
The peer review history for this article is available at: https://publons.com/publon/10.1108/IJSE-08-2023-0668
期刊介绍：
The International Journal of Social Economics publishes original and peer-reviewed theoretical and empirical research in the field of social economics. Its focus is on the examination and analysis of the interaction between economic activity, individuals and communities. Social economics focuses on the relationship between social action and economies, and examines how social and ethical norms influence the behaviour of economic agents. It is inescapably normative and focuses on needs, rather than wants or preferences, and considers the wellbeing of individuals in communities: it accepts the possibility of a common good rather than conceiving of communities as merely aggregates of individual preferences and the problems of economics as coordinating those preferences. Therefore, contributions are invited which analyse and discuss well-being, welfare, the nature of the good society, governance and social policy, social and economic justice, social and individual economic motivation, and the associated normative and ethical implications of these as they express themselves in, for example, issues concerning the environment, labour and work, education, the role of families and women, inequality and poverty, health and human development.
京公网安备 11010802042870号
京ICP备2023020795号-1
分享
求助内容：
应助结果提醒方式：
扫码关注我们
