金融知识及其对农村家庭生活满意度的影响:通过金融自我效能的中介方法

IF 2.1 Q3 BUSINESS
Aishwarya Mitra, Anupam De
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引用次数: 0

摘要

目的本研究旨在探讨金融知识与一般生活满意度之间的关系。本研究以印度农村家庭为样本单位,进一步探讨了金融自我效能感在这一关系中的中介作用。采用多阶段抽样和便利抽样的方法,编制了一份结构化问卷来收集原始数据;共收到 299 份答复。研究结果表明,金融知识对低收入家庭的整体生活满意度有着直接和间接的显著影响。此外,研究还发现金融自我效能感是金融素养与总体生活满意度之间关系的重要补充部分中介因素。研究结果可被金融监管机构和政策制定者用于培养农村社区对金融概念的理解,以提高他们的财务状况,从而提高总体生活满意度。本研究为现有的生活满意度文献增添了新的内容,农村家庭需要金融扫盲专业知识来实现金融自我效能。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Financial literacy and its impact on life satisfaction in rural households: a mediated approach via financial self-efficacy

Purpose

The study aims to explore the relationship between financial literacy and general life satisfaction. The study further investigates the mediating role of financial self-efficacy in this relationship in the context of Indian rural households.

Design/methodology/approach

Households belonging to the rural area of the Koraput district of Odisha were taken as the sample unit of this study. A structured questionnaire was framed to collect primary data using multi-stage and convenience sampling; 299 responses were received. Data analyses were performed using partial least square-structure equation modelling through SmartPLS 4.0.

Findings

The results of the study connoted that financial literacy has a noteworthy impact on the overall life satisfaction of households with lower incomes, both directly and indirectly. Moreover, the study identified financial self-efficacy as a significant complementary partial mediator in the relationship between financial literacy and overall satisfaction with life.

Practical implications

The findings of the study can be used by financial regulatory authorities and policymakers to seed the financial concepts’ understanding among the rural community to enhance their financial status and thereby overall satisfaction with life.

Originality/value

To the best of the authors’ knowledge, the exploration study of life satisfaction of rural households is yet to be discovered in the context of previous research frameworks despite rural households being an intricate part of the Indian economy. The study adds to the existing literature on life satisfaction, necessitating financial literacy expertise in rural households for achieving financial self-efficacy.

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来源期刊
CiteScore
5.30
自引率
0.00%
发文量
25
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