Can personality traits influence Brazilian university students' financial literacy?

IF 1.9 Q2 BUSINESS, FINANCE

Review of Behavioral Finance Pub Date : 2022-02-18 DOI:10.1108/rbf-12-2021-0259

M. Goulart, Newton Carneiro Affonso da Costa Jr, A. Paraboni, M. Luna

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引用次数: 2

Abstract

PurposeThe objective of the present study is to assess the financial literacy levels of students at a Brazilian university and investigate how these levels are affected by profile characteristics and personality traits.Design/methodology/approachData were collected using SurveyMonkey, and a link to the questionnaire was sent by e-mail. The questionnaire contains three blocks of questions: demographics, financial literacy and personality traits. Ordered logistic regression was applied to a sample of 1,312 students.FindingsYounger participants, those with higher incomes and men were more likely to have a high level of financial literacy. The same was true of those who were less extrovert, i.e. assertive, sociable, optimistic and communicative students. These results contribute to the field by indicating which population segments should be prioritized in efforts to promote financial literacy.Originality/valueTo the best of our knowledge, no study has compared Financial Literacy and Personality Traits in Brazil, a developing country that is only beginning to develop national financial literacy strategies.

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人格特质是否会影响巴西大学生的金融素养?

本研究的目的是评估巴西一所大学学生的金融素养水平，并探讨这些水平如何受到侧面特征和人格特征的影响。设计/方法/方法使用SurveyMonkey收集数据，并通过电子邮件发送问卷链接。该问卷包含三个问题块:人口统计、金融知识和个性特征。对1312名学生进行有序逻辑回归分析。研究发现，年龄较小、收入较高的参与者和男性更有可能拥有较高的金融知识水平。对于那些不那么外向的学生，即自信、善于交际、乐观和健谈的学生，情况也是如此。这些结果通过指出在促进金融知识普及的努力中应优先考虑哪些人口群体，对该领域作出了贡献。原创性/价值据我们所知，在巴西这个刚刚开始制定国家金融素养战略的发展中国家，还没有研究对金融素养和人格特征进行比较。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Review of Behavioral Finance BUSINESS, FINANCE-

CiteScore

4.70

自引率

5.00%

发文量

期刊介绍： Review of Behavioral Finance publishes high quality original peer-reviewed articles in the area of behavioural finance. The RBF focus is on Behavioural Finance but with a very broad lens looking at how the behavioural attributes of the decision makers influence the financial structure of a company, investors’ portfolios, and the functioning of financial markets. High quality empirical, experimental and/or theoretical research articles as well as well executed literature review articles are considered for publication in the journal.