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Journal articles on the topic 'Behavious Finance'
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1
Aliah, Nur, Miftha Rizkina, and Savanda Harianty. "Role of Learning Accountancy in Increase Literacy Finance Vocational High School Students." Jurnal Bisnis Mahasiswa 4, no. 4 (2024): 738–45. https://doi.org/10.60036/jbm.v4i4.art24.
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This study aims to identify role learning accountancy in increasing literacy finance vocational high school students majoring in accounting at SMK Negeri 1 Medan. Literacy finance become an essential skill for the young generation to manage finances personally, especially in the middle of the modern economy and the development of technology. Learning accounting in vocational schools is designed to give knowledge and theoretical and practical skills in management finance, which is expected to form attitudes and behaviours of positive finances. Research This uses a descriptive qualitative approach, with semi-structured interviews of 16 students majoring in accounting. Focus interview covers aspects of curriculum, learning methods, practice learning, use of technology accounting, and evaluation learning. Research results show that learning accountancy contributes significantly to the literacy of finance students, particularly in aspects of knowledge finance, skills management finance, attitude to finance, and behaviour finance every day. However, it was found that there is a need for multiple practices based on the case, improved use of technology accounting, and strengthened evaluation based on the project. Research This concludes that learning accounting in vocational schools can become an effective means of increasing the literacy of finance students. However, several aspects of the curriculum and learning methods still need repair for more optimal results.
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van Deventer, Marko. "African Generation Y students’ personal finance behavior and knowledge." Investment Management and Financial Innovations 17, no. 4 (2020): 136–44. http://dx.doi.org/10.21511/imfi.17(4).2020.13.
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Personal financial management is important, given uncertainties in both financial and economic environment. However, published research on African Generation Y students’ personal finance behavior and knowledge is limited. This study aimed to evaluate African Generation Y students’ personal finance behavior in terms of their attitudes towards financial planning and whether this cohort believes that they have the skills to manage their finances successfully. In addition, this study sought to evaluate African Generation Y students’ knowledge regarding personal finance. A convenience sample of 500 African students across the campuses of two South African public higher education institutions situated in the Gauteng province was surveyed using structured, self-administered questionnaires. The t-test results indicate that the sample deems the process of planning personal finances and managing credit, insurance, investment, and estate, as important. Moreover, the students scored low in the broad personal finance knowledge areas of basic finance, saving, spending, and debt, suggesting that this cohort is financially illiterate. The results also indicated that the students think they have the financial skillset to manage their personal finances. A high Pearson’s correlation coefficient was noted between sampled participants’ personal finance behavior and their observed personal finance management skillset regarding the relationship between the constructs. However, an insignificant relationship was found between attitudes towards personal finance and financial knowledge and between financial knowledge and African Generation Y students’ apparent finance skills. Understanding African Generation Y students’ personal finance behavior and knowledge, universities and financial institutions can more effectively identify gaps and deficiencies in students’ personal finance endeavors.
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Rajesh, RJ, and KV Giridhar. "Financial Literacy and Personal Financial Management: Smart Moves Towards Personal Finance." Shanlax International Journal of Arts, Science and Humanities 12, S1-Oct (2024): 62–67. https://doi.org/10.34293/sijash.v12is1-oct.8285.
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Financial literacy and personal financial management have become integral parts of everyone’s life. Financial literacy is the basic knowledge, skills, behaviour, and attitude towards finance. Personal finance includes income, savings, expenses, investments, and financial protection for the person or family. Personal financial management means effective management of personal finances. There is a necessity of financial literacy for everybody to manage their personal finances. In this backdrop, this paper deals with linkage between financial literacy and personal financial management, and also discuss the smart money moves by a person to effectively manage their personal finances, backed by financial literacy.Financial literacy helps the people to manage their personal finances effectively through that they can achieve their financial goals.
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Balog, Ádám, and Benedek Lits. "Clustering of European SMEs According to Their Financial Behaviour." Köz-gazdaság 19, no. 4 (2024): 9–30. https://doi.org/10.14267/retp2024.04.02.
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This study carries out a holistic cluster analysis of the financing structure of 13 103 SMEs in 27 EU Member States, Iceland, Liechtenstein, and Norway, and 9 343 SMEs in the euro area Member States countries based on a dataset provided by the European Central Bank from the Survey on the Access to Finance of Enterprises (SAFE) in the 27th and 28th rounds, respectively. The study approaches the topic through a 2015 EIF research while developing it further in several manners. It defines five distinct types of financing: Self-financed SMEs, Credit-financed and subsidised SMEs, Flexibly financed SMEs, Supplier-financed SMEs and Lease-financed SMEs. Our results revealed different patterns and attitudes towards financing, based on variables such as country, sector, and size, which may support policymakers in finding appropriate measures to deal with the various types of SMEs.
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Jurevičienė, Daiva, and Eglė Gausienė. "Peculiarities of Individuals' Financial Behaviour." Business: Theory and Practice 11, no. (3) (2010): 222–37. https://doi.org/10.3846/btp.2010.25.
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The article deals with different interpretations of peculiarities of individuals' financial behaviour. The adaptability of Efficient Market Hypothesis (rational and irrational investors' behaviour and their influence on market efficiency) and Behavioural Finance (by separating into two building blocks: Cognitive Biases and Limits of Arbitrage) to individuals' financial behaviour interpretation is summarized and compared as well as basic theories defining individuals' financial behaviour: Absolute Income Hypotheses (John M. Keynes), Life Cycle Hypothesis (Franco Modigliani and Richard Brumberg), Permanent Income Hypothesis (Milton Friedman) and individuals' financial motives are named and described. After accomplishment of investigation of personal finance management habits in Lithuania it is determined, that Lithuanians managing their finances tend to seek short-term goals and do not care about saving for retirement, do not employ all existing investment instruments.
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Kumar, R. Krishna, and A. Charles. "Impact of Digital Finance on Rural Households Financial Behaviour." International Journal of Banking, Risk and Insurance 12, no. 1 (2024): 50–59. http://dx.doi.org/10.21863/ijbri/2024.12.1.006.
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Villages are the backbone of India. Rural households constitute 70% of India’s population. Financial inclusions help rural households to open a bank account and encourage them to do more financial activities. Innovations in communications technology and mobile phone penetration in rural villages change rural households’ digital finance behaviour. The government has taken many initiatives to make rural households be digitally literate. Despite all the initiatives of the government, the rural house still lags behind. This study has taken rural households as the target audience to find out their digital financial behaviour with respect to savings, remittances, payments, credit and investments. A multi-stage stratified random sampling method is adopted to carry out the study. Rural households’ opinions are collected using structured questionnaires. The collected data is quantitatively analysed with the help of SPSS tools. The findings of this study revealed that financial behaviour traits are identified as a motivator, moderator and excluded. Security traits of digital finance transactions play a vital role in significant discrimination of different digital finance behaviours. Findings of Structural Equation Modelling reveal that the accessibility of various digital finance platforms can influence their digital financial behaviours in a broad way.
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Ameer, Rashid, and Robert Khan. "Financial Socialization, Financial Literacy, and Financial Behavior of Adults in New Zealand." Journal of Financial Counseling and Planning 31, no. 2 (2020): 313–29. http://dx.doi.org/10.1891/jfcp-18-00042.
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We used survey data from a cross-sectional New Zealand sample of adults to examine whether financial socialization and financial literacy are associated with their financial behavior. The results show different financial socialization experiences of adult males compared to adult females are associated with higher financial literacy and higher financial confidence. Adults with education in finance and economics had higher financial literacy and financial confidence in managing their personal finances. Furthermore, those with high self-assessed confidence in managing personal finance but low financial literacy, have a higher propensity to engage in undesirable financial behaviors.
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Yuneline, Mirza Hedismarlina, and Maria Firnandya Christian Rosanti. "The Role of Digital Finance, Financial Literacy, and Lifestyle on Financial Behaviour." HOLISTICA – Journal of Business and Public Administration 14, no. 2 (2023): 97–115. http://dx.doi.org/10.2478/hjbpa-2023-0018.
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Abstract The development of technology and information provides convenience and many choices in making financial decisions. Many new and diverse financial products require people to have a better understanding of the process of using them. This is supported by financial literacy and an understanding of managing finances to avoid bad financial decisions. Technology adoption also leads to a rigorous lifestyle that makes them use digital services as a quick and useful tool for their activities. This study aims to examine the role of digital finance, financial literacy, and lifestyle on student’s financial behavior. This study used descriptive and verification method with a quantitative approach. The primary data was collected through questionnaires from student respondents in Bandung, West Java, Indonesia. The results of this study indicate that partially the use of digital finance has a insignificant effect on financial behaviour, but financial literacy and lifestyle has a positive significant effect on financial behaviour. Simultaneously digital finance, financial literacy, and lifestyle have a significant effect on students’ financial behavior. The study showed that the use of digital finance is only for transaction benefit not for behavioral change. It is expected to create awareness of their investment products and develop their application into more secure products in changing financial behavior.
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KHAN, MUHAMMAD KALEEM, AHMAD KALEEM, SALMAN ZULFIQAR, and UMAIR AKRAM. "INNOVATION INVESTMENT: BEHAVIOUR OF CHINESE FIRMS TOWARDS FINANCING SOURCES." International Journal of Innovation Management 23, no. 07 (2019): 1950070. http://dx.doi.org/10.1142/s1363919619500701.
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Although the extant literature on corporate finance has largely focused on capital investments, relatively less attention has been paid to identify how research and development (R&D) related investments are financed. This study empirically tests the relationship between the different financing sources used by firms and their intensity of R&D in the rapidly growing economy of China. Furthermore, we posit that the firm’s choice to adopt the finance source for R&D will change if the firm is likely to be in financial constraints. This study finds out an empirical evidence that internally generated cash flows, bank debt, and seasonal public offerings (SPOs) stipulate a positive impact on R&D of Chinese firms, whereas the issuance of bond impacts it negatively. The study also confirms that financially constrained firms perceive the impact of financing sources on their R&D differently than non-financially constrained firms do. Results also slightly differ between high-tech and non-high-tech firms.
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Dr Anil Kumar and Dr Neha. "Decoding Investor Behaviour in Financial Decision-Making: A Critical Evaluation of Standard Finance vs Behavioural Finance." International Journal for Research Publication and Seminar 16, no. 1 (2025): 50–62. https://doi.org/10.36676/jrps.v16.i1.28.
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This paper investigates the interdisciplinary domain of behavioural finance, which combines traditional financial models with the psychological aspects of investor behaviour. It explores the intersection of traditional financial models and investor psychology in behavioural finance, challenges conventional finance's rationality assumptions and discusses market anomalies and psychological influences on decision-making. It critically examines the rationality assumptions inherent in standard finance, especially focused on Fama's (1965) Efficient Market Hypothesis (EMH). Several studies, including Basu (1977), Jegadeesh and Titman (1993), and Barberis and Thaler (2003), challenge the EMH's claim that stock prices take into account all available information. They highlight how psychological and behavioural factors, such as fear, pride, and optimism, may lead to behaviours that deviate from normative rationality and highlight anomalies in the market (Cooper et al., 2001; Kahneman, 2011). This research integrates the results of well-known behavioural finance studies to highlight the psychological aspects that affect financial decision-making. The study develops a comprehensive framework that recognizes the interplay between irrational and rational factors impacting investor behaviour by integrating psychological and financial perspectives. This comprehensive approach not only enhances our understanding of financial markets but also lays the groundwork for developing more prudent investing strategies that incorporate the complexities of human nature.
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Ferli, Ossi, Deni Wardani, Dylan Gonardo, and Gabriel Radja Dava. "Digital Finance Socialization in Improving Financial Literacy at SMPN 3 South Tangerang." Jurnal Pengabdian Masyarakat Bestari 4, no. 5 (2025): 381–94. https://doi.org/10.55927/jpmb.v4i5.135.
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Technological developments have encouraged the emergence of digital finance, which is a technology-based financial system that includes services such as digital payments, online loans, investments, and mobile banking. However, the adoption of digital finance still faces significant challenges, especially low financial literacy among the public. Financial literacy encompasses the knowledge, skills, attitudes, and behaviors necessary to manage finances wisely and understand increasingly complex financial products and services. This socialization aims to increase students' understanding of digital finance and the importance of financial literacy. This activity was carried out at SMP Negeri 3 South Tangerang and was attended by approximately 30 students who were representatives of the Student Council, PMR extracurriculars, and student embassies. The results of the activity show that increasing financial literacy through socialization can help students understand the benefits and risks of digital finance, as well as encourage the use of digital financial services more wisely and safely.
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Rajitha, Akula. "Smart Personal Finance Tracker for Efficient Money Management." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem49883.
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Abstract: Personal finance management is crucial for financial independence in the long run. This project includes a web-based Personal Finance Tracker developed with HTML, CSS, and JavaScript. The software lets users track their income, expenditures, and savings through an easily accessible interface. The main functions are transaction grouping, budgetary goal setting, and financial reporting through charts and summary reports. The app is intended to be reachable on multiple devices with no extra software installation. This research also examines the impact of tracking digital finance on user spending behaviour and increased financial literacy. Results indicate that organized and persistent expense tracking enables users to enhance spending discipline and make better money decisions. This project illustrates the significance of technology in making personal financial management easy and provides a solution with practical application for people who need more control over their finances. Keywords: Personal Finance, Budgeting, Expense Tracking, Web Application, Financial Management.
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Goyal, Meghna, and Ajay Kumar Kansal. "AN ANALYSIS OF BEHAVIOURAL FINANCE AND ITS INFLUENCE ON INVESTMENT DECISION." INTERNATIONAL JOURNAL OF ADVANCED RESEARCH IN COMMERCE, MANAGEMENT & SOCIAL SCIENCE 07, no. 03(I) (2024): 146–52. http://dx.doi.org/10.62823/ijarcmss/7.3(i).6832.
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This research delves into the fascinating realm of Behavioural Finance, exploring its significant influence on investment decision-making among residents in India's National Capital Region (NCR). By drawing on insights from relevant studies, this work seeks to uncover the intricate link between human behaviour and financial decision-making within this demographic. The study begins by examining the unique financial behaviours of investors in the region, aiming to identify the key investor profiles that shape the investment environment. As a multidisciplinary field combining elements of psychology, sociology, and finance, Behavioural Finance provides the primary framework for this exploration. The research distinguishes between its micro and macro perspectives: the detailed analysis of individual behavioural traits of investors and the broader identification of inefficiencies in the market. Recognizing the pervasive impact of behavioural biases on investment behaviours and decisions, this study offers an in-depth review of diverse research within the Behavioural Finance domain. It sheds light on how human psychology and social dynamics interact with financial decision-making, highlighting the crucial role of Behavioural Finance in contemporary financial practices. In an era where financial markets are not merely governed by rationality but are also shaped by complex human behaviours, this research offers valuable insights into the dynamics of Behavioural Finance. By illuminating the distinct investment choices, the study aims to deepen our understanding of the factors influencing these decisions, ultimately equipping investors and financial professionals with more informed decision-making strategies.
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Pulungan, Andrey Hasiholan, Dhiya Aufa Abdurrahman, Billian Canara, and Rizki Ramadhan. "The Impact of Parental Financial Teaching on University Students’ Financial Attitudes: The Mediating Role of Self-Control." JPBM (Jurnal Pendidikan Bisnis dan Manajemen) 10, no. 1 (2024): 43. http://dx.doi.org/10.17977/um003v10i12024p043.
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Most university students, who are in the process of transitioning from adolescence to adulthood, face difficulties managing their finances independently. To overcome these obstacles, students must have a positive financial attitude. This research aims to investigate both the direct and indirect impacts of parental financial teaching on students’ financial attitudes. In particular, the study examines the mediating effect of self-control on the relationship between financial education by parents and financial behaviors among accounting students. A survey was employed online to 219 accounting students in four different universities in October – December 2023. The data was then analyzed by applying SMART-PLS 4. The results of the analysis indicate that parental financial education tends to improve students’ behaviors in managing their finances. Furthermore, students who receive parental financial teaching are more likely to have positive self-control, which then positively affects their financial behaviors. This study enhances the existing finance literature and practice by demonstrating that improved parent-child communication can lead to the development of strong self-control in students when it comes to managing their finances. Keywords: Parental financial teaching, Financial attitude, Self-control, University students
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A, Vishwas, Divyanshu Kumari, Pradeep S, et al. "Mechanics of Finance- Personal Finance advisory firm: “Finance Friend”." International Journal for Research in Applied Science and Engineering Technology 10, no. 12 (2022): 1985–86. http://dx.doi.org/10.22214/ijraset.2022.48396.
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Abstract: The purpose of this study is to understand the importance of personal finance planning to be financially sound and well equipped for the uncertainty. According to the findings of this study, the ignorance of personal finance is to the pinnacle. This isn't just to set up family spending plan yet additionally to save, contribute as well as plan for our retirement. The meaning of financial management, its significance, the steps that each person can take to plan and manage their finances, and the awareness of financial management are all discussed in this writing. In addition to educating readers on how to plan and manage each individual's finances for their benefit today and in the future, which indirectly contributes to the development of the nation, the purpose of this writing is to raise awareness of the significance of personal finance planning and management. The impact of personal finance education on financial knowledge, attitudes, and actions is the subject of much debate. Our research also reveals that discussing money with friends, income, work experience, year/field of study, and family financial socialization were all important factors in influencing financial knowledge, attitudes, and behavior. We're not saying that formal financial education isn't important; rather, we're saying that its role in changing people's attitudes and behaviors should be carefully considered if that's its goal. The objective was to describe the financial knowledge, attitudes, and experiences of residents to inform the design of a personal finance curriculum.
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Tika Handayani, Rifky Lana Rahardian, Eva Yuniarti Utami, Apriani Riyanti, and Ahmad Rizani. "Fintech Analysis of Personal Finance App Usage among Millennials." Journal of Economic Education and Entrepreneurship Studies 5, no. 2 (2024): 150–62. http://dx.doi.org/10.62794/je3s.v5i2.2299.
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This study aims to analyse the influence of Fintech on the use of personal finance applications in the millennial generation. The research method used in this study is the survey method. The survey was conducted using a questionnaire distributed to millennial respondents who use personal finance applications. The data collected through the survey will be analysed quantitatively to identify usage trends, feature preferences, and the impact of personal finance apps on individual financial behaviour. The results show that millennials have a high adoption rate of personal finance apps. They tend to use these apps to track expenses, organise budgets, and conduct financial transactions. In-app personalisation features are highly valued by millennials, as it allows them to tailor the experience according to individual needs and preferences. However, data security and privacy remain key concerns in the use of personal finance apps. Personal finance apps have great potential in helping millennials manage their finances more effectively. However, serious attention should be paid to data security and user privacy. Therefore, it is recommended that personal finance app providers continue to improve their security systems and privacy practices. In addition, it is also necessary to educate users on the importance of protecting their personal information when using personal finance apps.
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Khasanshina, A. A. "Финансовая грамотность и ее влияние на экономическое поведение домохозяйств". Экономика и управление: научно-практический журнал, № 4(178) (23 серпня 2024): 92–96. http://dx.doi.org/10.34773/eu.2024.4.15.
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Understanding the intricacies of finance has a significant and lasting impact on financial management. Understanding financial concepts and skills is crucial to making positive changes in financial behavior. Since 2013, the All-Russian Household Survey on Consumer Finance has been conducted every two years, which examines the impact of people's understanding of household finances on their financial decision-making. The study of diversity revealed significant differences in financial behavior depending on factors such as gender, place of residence, level of education and marital status. The study provides valuable information that can serve as a basis for policy changes aimed at improving financial literacy. Понимание финансовых концепций и наличие соответствующих навыков имеет решающее значение для внесения позитивных изменений в финансовое поведение. С 2013 года каждые два года проводится Всероссийское обследование домохозяйств по потребительским финансам, которое исследует влияние понимания людьми финансов домохозяйств на принятие ими финансовых решений. Изучение разнообразия выявило значительные различия в финансовом поведении в зависимости от таких факторов, как пол, место проживания, уровень образования и семейное положение. Исследование даёт ценные сведения, которые могут послужить основой для изменения политики, направленной на повышение финансовой грамотности населения.
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Shafinah Rahim and Vinod Raj Balan. "Financial Literacy: The Impact on the Profitability of the SMEs in Kuching." International Journal of Business and Society 21, no. 3 (2021): 1172–91. http://dx.doi.org/10.33736/ijbs.3333.2020.
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This study aims at investigating the financial knowledge, financial behaviour and the attitude towards finance amongst on small medium entrepreneurs (SMEs) in Kuching. More specifically on how these powerful factors affect the profitability on fast growing business enterprises in largest city in the Borneo Island over the last decade. The research takes a descriptive approach fitting its underlying pursue and draws interesting conclusions with over 75% response rate. Analysis of the data collected clearly reveals that the knowledge of finance in general relates significantly stronger to the bottom line of these business entities relative to the owners’ financial attitude and their ensuing behaviour towards financial decision making. Therefore, small medium entrepreneurs are highly recommended to participate in financial education on a regular basis to keep them well informed and equipped with the latest ways of managing the finances of their businesses to ensurebetter financial planning, execution and monitoring of enterprises that inevitably will lead to increased and sustainable earnings.
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Chaulagain, Ramesh. "Relationship Among Financial Literacy, Attitude and Behaviour." Social Inquiry: Journal of Social Science Research 3, no. 1 (2021): 10–29. http://dx.doi.org/10.3126/sijssr.v3i1.46017.
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This study measures relationship among financial literacy, attitude and behaviour. Financial literacy has two attributes, i.e. financial knowledge and skill. Financial attitude is a way of thinking, belief and perception of individuals on personal finance. Financial behaviour is an act of using financial resources for financial independence and well-being. Therefore, measuring the relationship among financial literacy, attitude and behaviour is an important research priority. The study explores the relationship and some factors that contribute to financial behaviours. Using the framework of the theory of planned behaviour, this study interprets its findings. The theory asserts that human behaviours are affected by knowledge and attitude. In this study, a survey was conducted among 393 small borrowers to collect data on financial literacy, attitude and behaviours from four districts of Nepal. Kruskal-Wallis and Chi-Square tests were used to measure the relationships among the variables. The study finds that financial literacy and attitude have significant relationships with the financial behaviours of small borrowers. However, several other factors also affect the behaviours. The study concludes that proper financial education is necessary to change financial literacy and attitude to contribute to small borrowers' financial behaviours. Similarly, the study implies that the government, central bank, and financial service providers are responsible for providing proper and basic financial education to improve financial literacy and thereby change financial behaviours.
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Bisen, Dr Vikram, and Madhulika Pandey. "Applying Behavioural Finance by Analysing Investor Behaviour In Lucknow City." Indian Journal of Applied Research 3, no. 6 (2011): 353–55. http://dx.doi.org/10.15373/2249555x/june2013/117.
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Smith, Thomas E., Kristin V. Richards, Lisa S. Panisch, and Thomas Wilson. "Financial Therapy with Families." Families in Society: The Journal of Contemporary Social Services 98, no. 4 (2017): 258–65. http://dx.doi.org/10.1606/1044-3894.2017.98.38.
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A manualized form of financial therapy for families is proposed to decrease tensions caused by conflict arising on family members' understanding of money. When used with families, financial therapy goes beyond financial education by addressing individual behaviors and attitudes toward personal finance within the dynamics of a family system. To address a therapist's lack of formal training in family systems and/or financial therapy, a manualized form of financial therapy is introduced. A case example is presented to illustrate the benefits of this approach. This article demonstrates that therapists can use a manualized format of financial therapy for families to promote positive changes in a family's dynamics and behaviors in regards to finances.
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Stiglitz, J. E. "Key Challenges Facing Modern Finance: Making the Financial Sector Serve Society." Finance: Theory and Practice 24, no. 2 (2020): 6–21. http://dx.doi.org/10.26794/2587-5671-2020-24-2-6-21.
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The purpose of this paper is to discuss the broad issue of how to make the financial sector serve society, at least serve it better than it has until now. Finance has been the centre of attention, for better or for worse, for more than a quartercentury, partly because of its increasing share of GDP, and partly because of the negative behaviour and activities of its professionals. The paper is divided into six parts. The first section concerns the necessity of stopping adverse behaviours (activities). Section II presents some measures aimed at encouraging positive activities and promoting positive behaviour. Section III discusses a crucial issue concerning the urgent need to curb rent-seeking. Section IV discusses taxation in the context of the corrosive effect of tax competition. Section V, using analysis provided, presents measures to enhance the role of government in restoring the public’s eroded trust in financial institutions. Finally, Section VI discusses questions about how we can restore trust.
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Li, Yige. "Expressions of Irrational Investment Behaviour and Proposals to Reduce the Irrational Behaviour." Advances in Economics, Management and Political Sciences 54, no. 1 (2023): 27–32. http://dx.doi.org/10.54254/2754-1169/54/20230872.
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Behaviour finance gained more and more weight in the development of finance theory in comparison to standard finance theory which is dominated by the efficient market hypothesis. As a field of behavioural economics, it combines psychology and finance to understand how human behaviour and cognitive biases impact financial decision-making. Some market anomalies which seem strange or impossible according to standard finance theory can be understood and explained with the help of behavioural finance theory. Through analysis and literature review, this paper explores the common expressions of irrational behaviour such as representativeness, herd effect, anchoring, overconfidence, and their effect on the investment financial market. This paper finds that people can be easily influenced by any given information. Individuals personalities and social backgrounds also play a decisive role in making investment decisions. Therefore, some possibilities and advice to reduce the losses caused by human cognitive biases are also provided in the paper.
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Marks, Robert E. "Organisational Behaviour, Finance, and Economics." Australian Journal of Management 30, no. 1 (2005): e0-e3. http://dx.doi.org/10.1177/031289620503000101.
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Barone, Raffaella, Roy Cerqueti, and Anna Grazia Quaranta. "Illegal finance and usurers behaviour." European Journal of Law and Economics 34, no. 2 (2010): 265–77. http://dx.doi.org/10.1007/s10657-010-9183-x.
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Tourish, Dennis. "Towards an organisational theory of hubris: Symptoms, behaviours and social fields within finance and banking." Organization 27, no. 1 (2019): 88–109. http://dx.doi.org/10.1177/1350508419828588.
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Hubris has become a popular explanation for all kinds of business failure. It is often reduced to the one-dimensional notion of ‘over-confidence’, particularly on the part of CEOs. There is a need to clarify the extent to which other attitudes and behaviours constitute hubris, and how they are affected by such organisational dynamics as the struggle for power, status and material rewards between actors. This article explores these issues within the finance and banking sectors. It uses the Critical Incident Technique to identify behaviours associated with hubris and probes the interaction between them and the organisational contexts in which they occur. Five categories of behaviour based on an analysis of 101 incidents are described, as are a series of ‘inflection dynamics’ that reinforce the behaviours in question and constitute a social field conducive to hubris. I challenge the reductionist views that hubris is primarily a psychological state consisting mainly of ‘over-confidence’. This article seeks to complexify the term hubris and to develop an organisational rather than purely psychology theory of its emergence and institutionalisation within finance and banking.
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G, Thanushree, and Farzana M.B. "Understanding Investor Behaviour: Insights from Behavioural Finance in the Indian Context." International Journal of Research Publication and Reviews 5, no. 5 (2024): 7138–42. http://dx.doi.org/10.55248/gengpi.5.0524.1305.
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Purwanto, Setiyo, Fathihani Fathihani, and Yanthy Herawaty Purnama. "Analysis Factors Influencing Financial Management Behavior." Dinasti International Journal of Economics, Finance & Accounting 4, no. 3 (2023): 416–24. http://dx.doi.org/10.38035/dijefa.v4i3.1948.
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Financial management is a person's behavior in managing finances as managing planning, budgeting, checking, managing, controlling, searching, and saving finance funds that arise because of someone's habits and a sense of responsibility for finances. The low level of understanding of financial management for millennials tends to be consumptive, giving rise to various irresponsible financial behaviors. The purpose of this research is to find out that final knowledge, final attitude, and self-efficacy can affect financial management behavior. The result of this research expects to contribute to the millennial generation being wiser in managing finances and prioritizing needs over wants. The population used is the Millennial General in the Jakarta region. The sample used was 100 respondents spread across the Jakarta area. Data collection operated using a questionnaire method in which respondents answered questions arranged in the form of choices and scaled using a Likert scale (1-5). The system used in this study is a quantitative analysis using SEM analysis tools and SmartPLS 3.3 tools.
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Alifa Salsabila Hidayat and R.A Sista Paramita. "The Analysis of Financial Literacy, Financial Attitude and Locus of Control Toward Financial Behavior on UNESA's Economic and Business Students." Accounting and Finance Studies 2, no. 3 (2022): 157–76. http://dx.doi.org/10.47153/afs23.4392022.
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Financial behaviour is a concept related to a person's ability to manage (plan, budget, audit, manage, control, seek, and store) daily financial funds. Behavioural finance is a combination of financial theory and the laws of economics and psychology. The emergence of financial behaviour is the impact of the desire to meet the needs of life according to income. As an advantage, a person will tend to spend his personal finances wisely. This type of research uses quantitative methods. The population in this study were 97 respondents, using a non-probability sampling method, namely purposive sampling. Data analysis used multiple linear regression method with the help of SPSS version 24 program. The results showed that the hypothesis testing of financial literacy, financial attitude, and locus of control partially had a positive and significant effect on the financial behaviour of students of the Faculty of Economics and Business, Surabaya State University.
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El Ghmari, Omar, Imad El Ghmari, Sabah Trid, and Mohamed M'hamdi. "IMPACT OF BEHAVIOURAL FINANCE ON RISK PERCEPTION, PSYCHOLOGICAL BEHAVIOUR, AND FINANCIAL DECISIONS OF MOROCCAN INVESTORS." Financial and credit activity problems of theory and practice 5, no. 58 (2024): 244–63. http://dx.doi.org/10.55643/fcaptp.5.58.2024.4451.
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The paper deals with behavioural finance as a stream of finance challenging the principles of classical finance by adding psychology to the reasons that could explain observed anomalies within financial markets and which, at the same time, are caused by real human behaviour. The aim of this paper is to explore investors' behavioural, biases and their disturbances of rationality, focusing mostly on the factors of loss aversion, cultural influences, and overconfidence, and how these elements influence investment decisions.It is based on empirical data and behavioural experiments, which help to show how such biases deviate from efficient market theories; this work also tests some methods that can mitigate these negative effects, therefore providing insights on how to integrate the teaching of behavioural finance more effectively into the decision-making process of investors and experts within finance. Precisely, this work is aimed at attempting to provide a model of psychological behaviour for Moroccan investors, based on an investigation carried out in the field among 93 regular investors in the Casablanca Stock Exchange.The main findings of the study underline how behavioural biases deviate from predictions by efficient market theories. This paper has only focused on the specific context of Moroccan investors, yet giving insight into how psychological factors impact investment decisions through new insights into life where these financial behaviours take place.There is, hence, uniqueness to the research through the theoretical and practical approaches integrated therein, with the use of empirical data and behavioural experiments that sustain the discussion on behavioural finance. Presenting the case of Moroccan investors adds a significant contribution to proposing a context-specific model, which may bring important implications for financial decision-making within the region.
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Pawankumar, S. Hallale, and Gadekar Manjiri. "A Study of Behavioural Factors Affecting Individual Investment Decisions." International Journal of Trend in Scientific Research and Development 3, no. 6 (2019): 298–311. https://doi.org/10.5281/zenodo.3587816.
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Although finance has been studied for thousands of years, behavioral finance which considers the human behaviour in finance is a pretty new area. Behavioral finance theories, which might be based totally at the psychology, try to apprehend how feelings and cognitive mistakes impact man or woman traders' behaviour buyers referred to on this look at are referred to person traders .The primary goal of this have a look at is exploring the behavioral factors influencing person buyers' selections on the NSE and BSE Stock Exchange. Furthermore, the members of the family among these elements and funding overall performance also are tested. The have a look at begins with the present theories in behavioral finance, based totally on which, hypotheses are proposed. Then, those hypotheses are examined via the questionnaires dispensed to individual buyers on the Broking Firms, college students and professionals. The data collected from the Stock Broking firms, Students, Professionals through structured questionnaire were examined and data collected were analyzed using Cronbachs Alpha Reliability Test, based totally on which, hypotheses are proposed. The result indicates that there are 5 behavioral elements affecting the funding selections of person investors at the NSE and BSE Stock Exchange Herding, Market, Prospect, Overconfidence gamble's fallacy, and Anchoring ability bias. Most of these elements have mild impacts whereas Market element has high affect. This test also tries to discover the correlation among these behavioral factors and investment overall performance. Among the behavioral factors referred to above, best 3 elements are located to influence the Investment Performance Herding inclusive of shopping for and promoting choice of trading shares extent of buying and selling stocks velocity of herding , Prospect such as loss aversion, remorse aversion, and mental accounting , and Heuristic inclusive of overconfidence and gamble's fallacy . The heuristic behaviors are determined to have the highest advantageous impact at the investment overall performance while the herding behaviors are stated to persuade undoubtedly the investment overall performance on the lower degree. In assessment, the possibility behaviors provide the negative impact on the funding overall performance. Pawankumar S Hallale | Manjiri Gadekar "A Study of Behavioural Factors Affecting Individual Investment Decisions" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-3 | Issue-6 , October 2019, URL: https://www.ijtsrd.com/papers/ijtsrd28100.pdf
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Rashid, Mohammed, Rais Ahmad, and Shazeb Tariq. "Financial Revolution: From Traditional Finance to Behavioral and Neuro-finance." South Asian Journal of Social Science and Humanities 3, no. 4 (2022): 95–108. http://dx.doi.org/10.48165/sajssh.2022.3408.
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The paper aims to study the growth and evolution of finance, as well as how the evolution of finance theories aids investors in decision-making. The traditional finance model's perfect mobility and rationality fail to predict the economic events, dot-com bubble, and the European debt crisis. These economic disasters provide the foundation for the development of behavioral finance. Psychology and finance are merged into behavioral finance. It defies the traditional financial premise. The field provides unique insights into financial and investment decision making models. Behavioral finance also serves as a bridge for developing novel financial solutions known as Neurofinance. Neurofinance employs neurotechnology to explain participants' behaviour and predict their future behaviour based on observing their brains and hormonal activity.
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Zureck, Alexander, Julius Reiter, and Martin Svoboda. "Cross-Generational Investment Behavior and the Impact on Personal Finance." JOURNAL OF INTERNATIONAL BUSINESS RESEARCH AND MARKETING 3, no. 2 (2018): 16–18. http://dx.doi.org/10.18775/jibrm.1849-8558.2015.32.3002.
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The purpose of this paper is to investigate socio-economic development condition and convergence evaluation in the EU-28 states in the context of the EU policy goals. The aim of this research is to estimate socioeconomic disparities and convergence problems in the European states by applying real valuations of well-being situations and economic development challenges in the EU member states. The research methodology is based on the European Commission legitimate documents application and socio-economic strategies, on the convergence theory and convergence scenario calculations along with socioeconomic forecasts analysis in the EU states. This research presents information about different socioeconomic indicators, indexes, and scheme of information`s flows for convergence level estimation. This study contains objectives and general outlines of period 2014-2020 in the framework of Europe as a whole, as well its impact on the EU member states economies and living conditions. Changes in the main socioeconomic concepts impact on EU convergence policy and rapidity of convergence depends on the initial discrepancy of the development level in the EU states. The efficiency of European convergence policy can also be improved by significant economic growth and by a clever choice of the country-specific social activities. This research investigates above information for social situations estimations in EU states as well as GDP growth, unemployment, population’s income level and different welfare indicators. The main results reflect the overall economic situation valuation in the EU countries and present European convergence policy’s impact on social development in the European states. The conclusions contain socio-economic situations appreciation in the context of European strategy goals and social inequality problems clarification in the EU states.
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Horvath, Blanka, Antoine Jacquier, and Chloé Lacombe. "Asymptotic behaviour of randomised fractional volatility models." Journal of Applied Probability 56, no. 2 (2019): 496–523. http://dx.doi.org/10.1017/jpr.2019.27.
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AbstractWe study the asymptotic behaviour of a class of small-noise diffusions driven by fractional Brownian motion, with random starting points. Different scalings allow for different asymptotic properties of the process (small-time and tail behaviours in particular). In order to do so, we extend some results on sample path large deviations for such diffusions. As an application, we show how these results characterise the small-time and tail estimates of the implied volatility for rough volatility models, recently proposed in mathematical finance.
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Magesh Kumar, C., K. Sujatha, and K. Rajesh Kumar. "Financial Behaviours of Stock Market Investors." Shanlax International Journal of Management 12, no. 3 (2025): 25–30. https://doi.org/10.34293/management.v12i3.8213.
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Behavioural Finance research has received significant attention in recent years, and now it plays a vital role in determining the behaviour of investors when investing in the stock market. Financial Behaviour refers to the psychological factors that influence the investing decisions of investors in the stock market. This article attempts to review several prior and current studies done on this research area based on the Heuristics, Prospect, Market, and Herding theories, which classify many behavioural factors. As an outcome, this will provide a comprehensive literature on the financial behaviours of stock market investors, which will assist investors in their investment decision-making as well as academicians, professionals, and researchers in their research.
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Wong, Rachel, Patricia Ng, John Bonino, Alda Maria Gonzaga, and Alexandra E. Mieczkowski. "Financial Attitudes and Behaviors of Internal Medicine and Internal Medicine–Pediatrics Residents." Journal of Graduate Medical Education 10, no. 6 (2018): 639–45. http://dx.doi.org/10.4300/jgme-d-18-00015.1.
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ABSTRACT Background Residents graduate from medical school with increasing levels of debt and also may possess poor financial knowledge and practices. Prior studies have assessed resident financial knowledge and interest in financial education, yet additional information regarding their attitudes about personal finance and financial planning could be essential for the development of relevant curricula. Objective We assessed baseline financial attitudes and planning behaviors of internal medicine and internal medicine–pediatrics residents in 3 geographically diverse academic programs. Methods A modified version of the Financial Industry Regulatory Authority National Financial Capability survey was administered anonymously to residents in 3 programs in spring 2017. Outcomes included levels of educational debt, positive financial planning behaviors, perception of finances and debt, and education about personal finance. Results Response rate was 62% (184 of 298). Rates of educational debt were high, with 81% (149 of 184) of respondents reporting educational debt, and the majority owing more than $100,000. Residents' financial practices were variable, and residents could be grouped into 1 of 3 categories—concerned-engaged, concerned-unengaged, and unconcerned-unengaged—based on their engagement with debt and financial management. Residents with high debt (> $250,000) had a bimodal distribution of respondents who strongly agreed and those who strongly disagreed they were concerned about debt. Conclusions Resident financial attitudes and practices are variable, ranging from highly engaged residents actively managing their financial wellness to unengaged residents who have low concern, despite high educational debt.
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Watson, Gabriella, Kaajal Patel, Daly Leng, et al. "Barriers and facilitators to neonatal health and care-seeking behaviours in rural Cambodia: a qualitative study." BMJ Open 10, no. 7 (2020): e035449. http://dx.doi.org/10.1136/bmjopen-2019-035449.
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ObjectivesNeonatal mortality remains persistently high in low-income and middle-income countries. In Cambodia, there is a paucity of data on the perception of neonatal health and care-seeking behaviours at the community level. This study aimed to identify influencers of neonatal health and healthcare-seeking behaviour in a rural Cambodian province.DesignA qualitative study using focus group discussions and thematic content analysis.SettingFour health centres in a rural province of Northern Cambodia.ParticipantsTwenty-four focus group discussions were conducted with 85 community health workers in 2019.ResultsCommunity health workers recognised an improvement in neonatal health over time. Key influencers to neonatal health were identified as knowledge, sociocultural behaviours, finances and transport, provision of care and healthcare engagement. Most influencers acted as both barriers and facilitators, with the exception of finances and transport that only acted as a barrier, and healthcare engagement that acted as a facilitator.ConclusionUnderstanding health influencers and care-seeking behaviours is recognised to facilitate appropriate community health programmes. Key influencers and care-seeking behaviours have been identified from rural Cambodia adding to the current literature. Where facilitators have already been established, they should be used as building blocks for continued change.
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Tsukayama, Eli, Angela Lee Duckworth, and Betty Kim. "Resisting Everything except Temptation: Evidence and an Explanation for Domain–specific Impulsivity." European Journal of Personality 26, no. 3 (2012): 318–34. http://dx.doi.org/10.1002/per.841.
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We propose a model of impulsivity that predicts both domain–general and domain–specific variance in behaviours that produce short–term gratification at the expense of long–term goals and standards. Specifically, we posit that domain–general impulsivity is explained by domain–general self–control strategies and resources, whereas domain–specific impulsivity is explained by how tempting individuals find various impulsive behaviours, and to a lesser extent, in perceptions of their long–term harm. Using a novel self–report measure, factor analyses produced six (non–exhaustive) domains of impulsive behaviour (Studies 1–2): work, interpersonal relationships, drugs, food, exercise and finances. Domain–general self–control explained 40% of the variance in domain–general impulsive behaviour between individuals, reffect = .71. Domain–specific temptation ( reffect = .83) and perceived harm ( reffect = −.26) explained 40% and 2% of the unique within–individual variance in impulsive behaviour, respectively (59% together). In Study 3, we recruited individuals in special interest groups (e.g. procrastinators) to confirm that individuals who are especially tempted by behaviours in their target domain are not likely to be more tempted in non–target domains. Copyright © 2011 John Wiley & Sons, Ltd.
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Wiśniewska, Marta. "THE IMPACT OF THE CORONAVIRUS (COVID-19) PANDEMIC ON INVESTORS’ BEHAVIOUR IN THE LIGHT OF BEHAVIOURAL FINANCE." Zeszyty Naukowe SGGW, Polityki Europejskie, Finanse i Marketing, no. 27(76) (June 30, 2022): 111–22. http://dx.doi.org/10.22630/pefim.2022.27.76.10.
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The aim of the research was to find out the opinions of stockbrokers working at the Warsaw Stock Exchange regarding the behaviour of Polish investors in the face of the coronavirus (COVID-19) pandemic. The research was carried out among 51 stockbrokers representing brokerage houses with a long history of operations. It has been found that psychological conditions of people and stock market sentiments play an important role in the decision-making process, and irrational investor behaviours, including largely herd effects, are particularly evident during the pandemic. The research shows that the occurrence of the coronavirus has not reduced the activity of Polish investors. Thus, significantly growing interest in shares of companies listed on the Warsaw Stock Exchange has been noted. The behaviour and attitude of market participants towards risk were volatile during the developing pandemic, which manifested itself in rapid buying of overvalued assets or rapid selling of assets.
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Rasheed, Rabia, Sulaman Hafeez Siddiqui, Iqbal Mahmood, and Sajjad Nawaz Khan. "Financial Inclusion for SMEs: Role of Digital Micro-financial Services." Review of Economics and Development Studies 5, no. 3 (2019): 429–39. http://dx.doi.org/10.26710/reads.v5i3.686.
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SMEs paly major role in poverty reduction and employment generation, therefore experts considered this sector as engine of economic growth. However, access to finance in developing countries is one of major issue in development of SME sector as well as hurdle in economic growth. Financial institutions banking and non-banking shows reluctant behaviour in providing financing to SMEs and the issue is more severe in emerging economies. Bank financing has been found as main source of funds for SMEs in Pakistan, however, to obtain these funds not easy for small and medium firms. Recently digital micro financial services have been introduced by a number of micro finance banks. Current study examines the role of digital micro financial services in enhancing SMEs’ access to finance and thereby enabling a more inclusive financial market for SMEs especially in context of emerging and developing economies. By digging out the existing literature and secondary data, the study discusses that digital financial services have greatly helped owner managers of SMEs in smooth management of their transactions and finances. The study concludes that to strengthen SME sector for economic growth, it is important to further reduce the cost of using digital financial services and increase the financial product portfolio on digital platforms.
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Hensley, Billy J., Jesse B. Jurgenson, and Lisa-Anne Ferris. "Combining Adult Education and Professional Development Best Practice to Improve Financial Education Teacher Training." Journal of Financial Counseling and Planning 28, no. 1 (2017): 33–48. http://dx.doi.org/10.1891/1052-3073.28.1.33.
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Financial education is an important area of study due in part to the need for improved understanding of how to navigate an ever more complex financial decision-making environment, thus the need for effective classroom instruction. The purpose of this study is to examine a “teacher-as-learner” professional development program that is rooted in both professional development and adult education fields of study as means of providing financial education. This program educates teachers on their own personal finance, ultimately better preparing educators to teach financial literacy education. Results showed significant improvements in self-reported financial behaviors between pre- and posttests. Results suggest using contextual learning for teacher professional development because it benefits personal finances and successful teaching practices.
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AMINUDDIN, AISYAH, SHAHNAZ ISMAIL, NURASYIKIN JAMALUDIN, and NADIA MOHD NAWI. "WHAT DRIVES SAVING BEHAVIOUR AMONG UNDERGRADUATE STUDENTS OF UNIVERSITI MALAYSIA TERENGGANU?" Universiti Malaysia Terengganu Journal of Undergraduate Research 4, no. 2 (2022): 81–88. http://dx.doi.org/10.46754/umtjur.v4i2.277.
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This study addresses the issue of saving behaviours among undergraduate students of Universiti Malaysia Terengganu (UMT). With the role that savings play in providing long-term financial security, universities took the initiative to educate and improve the financial knowledge and skills of young students by offering related subjects in financial management and personal finance. Besides education, the influences of family members, friends and communities also play an important role in shaping saving behaviour. Thus, the objective of this study is to examine the key drivers in creating and shaping saving behaviour, including socialisation agent, financial knowledge and personal behaviour of undergraduate students. The data were collected from a self-administered questionnaire with a total of 286 respondents. The data were analysed by using multiple regression analysis. From this study, socialisation agent and personal behaviour were found as the main key drivers that contributed towards the saving behaviour of undergraduate students from UMT. Even though these two factors played an essential role in shaping the saving behaviour of students, the personal behaviour of the students had the most significant influence in cultivating the saving behaviour of the students.
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Riitsalu, Leonore, and Rein Murakas. "Subjective financial knowledge, prudent behaviour and income." International Journal of Bank Marketing 37, no. 4 (2019): 934–50. http://dx.doi.org/10.1108/ijbm-03-2018-0071.
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Purpose The purpose of this paper is to study how subjective and objective knowledge of finance, behaviour in managing personal finances and socio-economic status affect financial well-being. Design/methodology/approach The financial well-being score is constructed in quantitative financial literacy survey data from Estonia as the arithmetic mean of four statements on a five-point scale. Four hypotheses are tested in multiple regression analysis. Findings Subjective knowledge has a stronger relation with financial well-being than objective knowledge. Financial behaviour score and income level correlate with financial well-being. Research limitations/implications The paper contributes to literature on financial literacy, subjective financial knowledge and financial well-being. In future research, psychological factors and future orientated financial well-being should be included, and their relationship to subjective well-being could be analysed further. Practical implications The results highlight the importance of subjective knowledge and sound behaviour for improving financial well-being. Providers of financial services should address these more in the design of their services and communication. Social implications Policymakers developing national strategies for financial education need to address subjective financial knowledge for increasing financial well-being in society. Originality/value Knowledge, behaviour and subjective knowledge have not been used simultaneously in the analysis of financial well-being in Europe before.
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Sholehah, Nur Lazimatul Hilma, and Parmin Ishak. "Pengaruh Opportunistic Behaviour dan Love of Money Perangkat Desa Terhadap Pengelolaan Keuangan Desa dan Dampaknya Terhadap Kesejahteraan Masyarakat." Gorontalo Accounting Journal 5, no. 1 (2022): 86. http://dx.doi.org/10.32662/gaj.v5i1.1853.
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The study was conducted to learn of the immediate and indirect relationships of qualistic practices and the love of money towards the management of village finances and the impact on the public welfare of the wonosari district. The study USES a quantitative method. The methods of data collection used in the study are carried out through field observation, disseminating questionnaires, interviews, documentation and literature studies. As for the population in this research is an entire kit of villages in the boalemo district with a sampling withdrawal using sampling clusters. The data analysis technique used in the research is a path analysis technique with the help of version 24 of SPSS software. The results of the study indicate that (1) qualistic traits negatively and significantly affect the village's financial management, (2) love of money makes no significant difference to the village's financial management, (3) provocistic practices indirectly affect both the positive and significant well-being of the village through village financial management, (4) love of money indirectly affects the welfare of the village by managing the village's finances, (5) village finance management has a positive and significant impact on village fund management.
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Paul, Purbasha. "Evaluating the awareness of Green Finance among University Students." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem44861.
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While green finance is crucial to achieve sustainability, many university students are unaware of its concepts and advantages. Using a structured survey, this study evaluates the knowledge, investment behaviour and exposure of students to sustainable finance. Key findings show a large financial literacy gap, dependence on informal sources, and difficulties discerning true green investments. The study highlights education strategies, policy incentives, and partnerships with the private sector as key underpinnings to that market shift, and global shifts toward more environmentally responsible investment practices. Keywords: Green Finance, Sustainable Finance, Financial Literacy, Students, Investment Behaviour, Climate Finance, ESG, Sustainability, Responsible Investing.
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Subashree, S. "Market Minds: Understanding Behavioral Finance Concepts." Shanlax International Journal of Management 11, iS1-Jan (2024): 162–68. http://dx.doi.org/10.34293/management.v11iis1-jan.7159.
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The topic of behavioural finance is challenging the traditional notion of rational decision-making in the ever-changing financial markets. This paradigm shift examines the interaction between psychology, cognitive biases, and financial decisions, offering insights into market anomalies and behaviours that contradict conventional economic theory. Behavioural finance is an interdisciplinary field that combines psychology, cognitive science, economics, and finance. Its purpose is to connect economic theory with actual financial behaviours seen in the real world.
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Bikas, Egidijus, and Andrius Kavaliauskas. "Lithuanian Investors' Behaviour During Financial Crisis." Business: Theory and Practice 11, no. (4) (2010): 370–80. https://doi.org/10.3846/btp.2010.40.
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Based on research of academic literature, this article analyses Lithuanian investors' behaviour during financial crisis. The article summarizes the newest finance science subjects, theories of behavioural finance, and works of various scientists, in order to find cognitive and emotional investors' deviations from rational behaviour, and also to better understand and explain how emotions and environment valuation mistakes influence investors and their decision-making. Emotional nature of investors' mistakes is repeating and predictable, therefore it can be used for gains. With the help of behavioural finance models, investor types are supposed, which are distinguished and summarized during the Lithuanian investors' behaviour research. The research revealed that financial crisis was extremely significant, having fundamental changes in investors' behaviour.
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Baryła-Matejczuk, Monika, Viktorija Skvarciany, Andrzej Cwynar, Wiesław Poleszak, and Wiktor Cwynar. "Link between Financial Management Behaviours and Quality of Relationship and Overall Life Satisfaction among Married and Cohabiting Couples: Insights from Application of Artificial Neural Networks." International Journal of Environmental Research and Public Health 17, no. 4 (2020): 1190. http://dx.doi.org/10.3390/ijerph17041190.
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Background: To explain the link between household finances and the quality of the relationship between married or cohabitating partners and their life satisfaction, the Family Stress Model (FSM) was used and placed within the theoretical framework of the Couples and Finances Theory (CFT). Methods: The measures used to examine the relationship between partners were the Financial Management Behaviour Scale, the Marriage Questionnaire (KDM-2) adapted to a version for cohabitating couples, The Shared Goals and Values Scale, Harsh Start-up Scale, and the Satisfaction With Life Scale (SWLS). In order to find out the relationship between variables, artificial neural networks (ANN) were applied. The research was conducted on a sample of 500 couples living in Poland (384 married and 116 cohabitating couples). Results: The results indicate that overall life satisfaction is most influenced by fundamental, direct, current ways of dealing with the daily financial routine and by saving and investing behaviours. Credit management and insurance behaviours are the most important for the quality of the relationship between partners. Conclusions: The research shows that financial management behaviours have an impact on the quality of relationships as well as on the subjective well-being of people in a relationship, and their relationship dynamics. This finding may be used to highlight the psychological importance of financial management behaviours.
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Hidayatulloh, Hidayatulloh, and Éva Erdős. "State-Owned Enterprise’s Debt in the State Financial Regime." Sriwijaya Law Review 7, no. 1 (2023): 105. http://dx.doi.org/10.28946/slrev.vol7.iss1.1843.pp105-120.
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Several Indonesian State-Owned Enterprises (SOEs) have had very high debts recently. Several reasons, such as government assignment projects, the impact of the Covid-19 pandemic, and corrupt management behaviour, have caused the increase in liability. There is a fierce debate among academics and legal scholars regarding whether the SOE’s debt is state debt. A state company is an independent legal entity separate from the state and obtains capital from separated state assets. Besides, the state, as the majority shareholder, assigns SOEs to projects that support government programs even though they are not profitable. In addition, several SOEs often receive State Equity Participation to survive bankruptcy caused by running out of capital or large debts. This paper will analyse the country's debt status from the perspective of public finance by taking the case of Indonesia. Moreover, it will explore the theoretical and empirical aspects of SOE’s debt from a state finance point of view. This study will use doctrinal legal research to interrogate the law as it is and should be. Although this research concludes that SOEs' finances are a state financial regime, the supervision of SOEs is not Government Judgment Rules but Business Judgment Rules. SOE's debt is the responsibility of SOE as a corporate legal entity. In the case of Indonesia, the government often rescues SOEs that have failed to pay their debts through State Equity Participation and/or privatisation while maintaining most state ownership shares, for instance, Garuda Indonesia, a national airline. Finally, state accountability for SOE's debt only occurs indirectly because of the financial separation between the state and companies. The Indonesian government saved Garuda Indonesia's finances to protect national assets and continue to control vital businesses. However, the state must also reform the management of SOEs so as not to harm state finances by upholding good corporate governance and preventing fraud and corruption.
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Natahadi, Herdyawan, Makaryanawati Makaryanawati, and Kamarul Baraini Keliwon. "Impact of Influencer Trustworthiness and Financial Literacy on Herding Behavior with Risk Perception Mediating Variables of Indonesian Millennial Investors." International Journal of Social Service and Research 4, no. 01 (2024): 15–30. http://dx.doi.org/10.46799/ijssr.v4i01.648.
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The ease of investment resulted in soaring number of millennial investors in Indonesia. Most investors in Indonesia are a beginner and do not know how to invest properly. Ignorance of investment encourages investors to find information and looking for role model then commonly leads to herding behaviour. This habit contradicts with traditional finance theory where investors supposed to invest rationally and avoid risk. This study will further explore the relationship between trustworthiness of financial influencers and financial literacy on herding behaviours with risk perception as mediating variables in millennial investors in Indonesia. Based on path analysis resulting the variable significantly influence each other directly or indirectly through mediating variable. Direct effect of trustworthiness financial influencer positively related with the herding behaviour, but the financial literacy negatively related with the herding behaviour. Indirectly Financial literacy level increased to increase risk perception and trustworthiness financial influencer vice versa. The decrease of risk perception leads millennial investor to herd and the increase of risk perception make investor more careful to make investment. There are still 33% of other factors influenced outside this study, for example gender, age, income, occupation and many other. Prior study has not examined the impact of a millennial follower’s trust on influencers to herding behaviours using risk perception as a mediating variable.