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Order Creates Value: Personality, Attitudinal and Behavioral Factors of Financial Vulnerability

Author

Listed:
  • Erzsébet Németh

    (Budapest Metropolitan University, Hungary)

  • Boglárka Deák-Zsótér

    (Corvinus University of Budapest, Hungary)

  • Botond Géza Kálmán

    (Budapest Metropolitan University, Hungary)

Abstract

En nuestra investigación, nuestro objetivo es conocer las actitudes y comportamientos financieros de los grupos sociales económicamente frágiles. Con base en una encuesta de cuestionario en línea (N = 22933 adultos), formamos grupos mediante análisis de conglomerados y los comparamos entre sí. Examinamos los grupos con métodos estadísticos multivariables, destacando las características relacionadas con la vulnerabilidad financiera. Además, desarrollamos la métrica de fragilidad financiera. Los resultados llaman la atención sobre el hecho de que la fragilidad financiera tiene múltiples razones complejas e interrelacionadas. En términos de personalidad financiera, actitud y comportamiento, alcanzaron el punto promedio más alto en el caso de reclamos claramente adversos, mientras que el más bajo en reclamos benéficos. Nuestros resultados demuestran que, incluso si el grupo financieramente vulnerable representa el 9 %, el grupo de los 'pozos de dinero' y los 'pasivos' muestran varias actitudes y patrones de comportamiento que podrían conducir a la fragilidad financiera en el futuro. La proporción acumulada de estos grupos asciende al 32%. Las personas económicamente vulnerables no cuidan bien ni sus finanzas ni su hogar, no pueden planificar ni prolongar sus deseos, y juzgan incurable su situación, a lo que se suma la ansiedad.

Suggested Citation

  • Erzsébet Németh & Boglárka Deák-Zsótér & Botond Géza Kálmán, 2024. "Order Creates Value: Personality, Attitudinal and Behavioral Factors of Financial Vulnerability," Remef - Revista Mexicana de Economía y Finanzas Nueva Época REMEF (The Mexican Journal of Economics and Finance), Instituto Mexicano de Ejecutivos de Finanzas, IMEF, vol. 19(1), pages 1-21, Enero - M.
    • Handle: RePEc:imx:journl:v:19:y:2024:i:1:p:2
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    References listed on IDEAS

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    More about this item

    Keywords

    cultura financiera; fragilidad financiera; personalidad financiera; actitud financiera; comportamiento financiero;
    All these keywords.

    JEL classification:

    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • D91 - Microeconomics - - Micro-Based Behavioral Economics - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making
    • G41 - Financial Economics - - Behavioral Finance - - - Role and Effects of Psychological, Emotional, Social, and Cognitive Factors on Decision Making in Financial Markets
    • H31 - Public Economics - - Fiscal Policies and Behavior of Economic Agents - - - Household

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