金融弹性的决定因素:新兴经济体的见解
Fazelina Sahul Hamid1, Yiing Jia Loke2, Phaik Nie Chin3
1Bristol Business School, University of the West of England, BS16 1QY Bristol, United Kingdom.
概括
金融知识和包容性促进了马来西亚的金融弹性. 社会人口因素也会影响一个人管理财务和计划未来的能力.
科学领域:
- 经济学 经济学 经济学
- 行为金融是行为金融.
- 社会学 社会学 社会学
背景情况:
- 金融性对于个人经济稳定至关重要.
- 了解影响金融弹性因素对于决策至关重要.
- 经济合作与发展组织 (OECD) 的金融素养调查提供了有价值的数据.
研究的目的:
- 调查金融知识,金融包容性和社会人口特征对金融弹性的影响.
- 分析财务弹性的组成部分,包括财务控制,支出管理,储蓄,应激处理和规划.
- 为增强马来西亚金融福祉提供见解.
主要方法:
- 利用马来西亚的2018年经合组织金融素养调查数据.
- 采用统计分析来检查关键变量之间的关系.
- 样本大小为马来西亚各地的3395个人.
主要成果:
- 高水平的金融知识与增加的金融弹性有显著的相关性.
- 更多的金融包容,由更多的银行账户和金融产品证明,与更高的金融弹性有关.
- 金融弹性在不同的社会人口特征中表现出差异.
结论:
- 金融知识和包容性是金融性的关键驱动力.
- 有针对性的干预措施可以通过增强知识和获得金融服务来提高金融弹性.
- 社会人口统计学因素需要量身定制的方法来建立金融弹性.
更多相关视频
相关概念视频
Emerging Adulthood
114
Jeffrey Arnett's concept of emerging adulthood offers a framework to understand the unique developmental stage between adolescence and full-fledged adulthood, generally from ages 18 to 25. This period is marked by extensive exploration and shifts in identity, relationships, and career choices, a process known in psychology as role experimentation. Emerging adulthood reflects the evolving cultural expectations surrounding adulthood and the dynamic process of personal transformation during...
114
Ethnic Identity within a Larger Culture
62
Adolescents from ethnic minority backgrounds face a multifaceted journey in forming their identities, shaped by the intersections of cultural expectations and personal exploration. For these adolescents, identity formation involves not only typical developmental challenges but also navigating the perceptions and attitudes of the majority culture. As they grow, adolescents in ethnic minority groups often become increasingly aware of stereotypes, social biases, and discrimination, all of which...
62
Stress Prevention and Stress Management Techniques I
72
Stress prevention and management are crucial for maintaining well-being and building resilience. Techniques to manage stress include cultivating qualities like conscientiousness, a sense of personal control, and self-efficacy. Each of these traits significantly reduces stress and promotes healthier lifestyle choices and outcomes.
Conscientiousness
Conscientious individuals tend to be organized, responsible, and disciplined. They prioritize completing tasks and following structured routines,...
Conscientiousness
Conscientious individuals tend to be organized, responsible, and disciplined. They prioritize completing tasks and following structured routines,...
72
Erikson's Theory on Socioemotional Development during Adolescence
171
Erik Erikson's fifth stage of psychosocial development, "identity versus role confusion," is crucial during adolescence (ages 12 to 18). In this stage, adolescents face the developmental task of forging a distinct personal identity, a process influenced by social, psychological, and biological changes typical of this period. Adolescents naturally explore different roles, behaviors, and ideologies as they navigate complex questions of self-concept, asking, "Who am I?" and...
171
Factors Affecting Workability
94
The workability of concrete is a critical characteristic that influences the ease of mixing, handling, and finishing the concrete. It is affected by several factors including water content, aggregate properties, and admixtures like air entrainment. Water plays a fundamental role as it lubricates the concrete mix, facilitating easier movement and placement. However, the water requirement varies depending on the texture and shape of aggregates. Finer particles and angular, rough-textured...
94
Psychological and Sociocultural Causes of Schizophrenia
146
Schizophrenia, a complex psychiatric disorder, has been historically misunderstood. Early psychological theories attributed its origins to childhood trauma and unresponsive parenting. However, contemporary research largely rejects these notions, favoring the vulnerability-stress hypothesis. This model proposes that individuals with a genetic predisposition to schizophrenia may develop the disorder following exposure to significant environmental stressors. Notably, studies on high-risk...
146


