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بررسی آثار مسقیم و غیرمستقیم خودکنترلی و چشمانداز زمانی آینده بر رفاه مالی | ||
| پژوهشهای راهبردی بودجه و مالیه | ||
| دوره 6، شماره 3 - شماره پیاپی 23، مهر 1404، صفحه 131-160 اصل مقاله (1.07 M) | ||
| نوع مقاله: مقاله پژوهشی | ||
| نویسندگان | ||
| غلامرضا رضایی* 1؛ رضا تقی زاده2؛ رسول کشتکار3؛ رضا انصاری4 | ||
| 1استادیار، گروه حسابداری، دانشگاه سیستان و بلوچستان، زاهدان، ایران | ||
| 2استادیار، گروه حسابداری، دانشگاه یزد، یزد، ایران | ||
| 3استادیار، گروه حسابداری و مدیریت مالی، واحد مرودشت، دانشگاه آزاد اسلامی، مرودشت، ایران | ||
| 4کارشناسیارشد حسابداری، دانشگاه آزاد اسلامی، شیراز، ایران | ||
| تاریخ دریافت: 08 دی 1403، تاریخ بازنگری: 06 تیر 1404، تاریخ پذیرش: 05 مهر 1404 | ||
| چکیده | ||
| رفاه مالی در پژوهشها و سیاست مصرفکننده توجه زیادی را به خود جلب کرده است، اما درک محدودی از عوامل تعیینکننده آن وجود دارد. در این مقاله، برای اولین بار در کشور تأثیر دو عامل روانشناختی (خودکنترلی و دیدگاه زمانی آینده) بر دو مؤلفه رفاه مالی (استرس مدیریت پول فعلی و امنیت مالی مورد انتظار آینده) مورد بررسی قرار گرفته است. روش پژوهش این مطالعه اکتشافی، پیمایشی و از نوع مقطعی است. کلیه افراد بالای 18 سال در نقاط مختلف کشور جامعه آماری این پژوهش را تشکیل میدهند. اندازه نمونه مطابق با جدول مورگان برای جوامع بسیار بزرگ برابر با 384 نفر تعیین شد. اما، برای دستیابی به پایایی برتر تعداد 400 پرسشنامه، به صورت آنلاین توزیع گردید که 257 پرسشنامه دریافت شد. بهمنظور آزمون فرضیههای پژوهش از رویکرد الگوسازی معادلات ساختاری در نرمافزارهای SPSS و AMOS استفاده شد. نتایج نشان داد که خودکنترلی و دیدگاه زمانی آینده هر دو تأثیر مستقیم و غیرمستقیم بر مؤلفههای رفاه مالی دارند. اثرات غیرمستقیم با واسطه رفتار مالی گذشته و حال است. خودکنترلی عامل اصلی تعیینکننده استرس مدیریت پول فعلی است، در حالی که چشمانداز زمانی آینده تعیینکننده اصلی امنیت مالی آینده مورد انتظار است. بر اساس این نتایج، رفاه مالی نباید به عنوان یک ساختار تک بعدی در نظر گرفته شود. در مقابل، مداخلات برای بهبود رفاه مالی باید به وضوح مؤلفه فعلی یا آینده آن را هدف قرار داده و ویژگیهای روانشناختی را در طراحی خود در نظر بگیرند. | ||
| کلیدواژهها | ||
| استرس مدیریت پول فعلی؛ الگوسازی معادلات ساختاری؛ امنیت مالی؛ چشمانداز زمانی آینده؛ خودکنترلی؛ رفاه مالی؛ رفتارهای مالی | ||
| عنوان مقاله [English] | ||
| Investigating of direct and indirect effects of self-control and future time perspective on financial well-being | ||
| نویسندگان [English] | ||
| Gholamreza Rezaei1؛ Reza Taghizadeh2؛ Rasoul Keshtkar3؛ reza Ansari4 | ||
| 1Assistant Professor of Accounting, Department of Accounting, Faculty of Management and Economics, University of Sistan and Baluchestan- Iran | ||
| 2Assistant Prof., Department of Accounting and Finance, Faculty of Economics, Management and Accounting, Yazd University, Yazd, Iran | ||
| 3Assistant Professor, Department of Accounting and Financial Management, Marvdasht Branch, Islamic Azad university, Marvdasht, Iran | ||
| 4MSc., Department of Accounting, Shiraz Branch, Islamic Azad university, Shiraz, Iran. | ||
| چکیده [English] | ||
| Financial well-being is getting more attention in research and consumer policy, but there is limited understanding of its determinants. In this paper, for the first study in Iran the effects of two psychological factors (self-control and future time perspective) are studied on two components of financial well-being (current money management stress and expected future financial security). This research method is exploratory, and uses survey data. It is also cross-sectional research. All people over 18 years old in different parts of the country constitute the statistical population of this research. The sample size was determined as 384 people according to Morgan's Table for very large population. However, to achieve superior reliability, 400 questionnaires were distributed online and 257 questionnaires gathered. In order to test the hypotheses of the research, the approach of structural equations modeling was used in SPSS and AMOS softwares. The find show that self-control and future time perspective have both direct and indirect effects on the components of financial well-being. The indirect effects are mediated by past and present financial behaviour. Self-control is the main determinant of current money management stress, while future time perspective is the main determinant of expected future financial security. Based on this results emphasize that financial well-being should not be treated as a one-dimensional construct. Instead, the interventions for improving financial well-being should clearly target either its present or future component and consider psychological characteristics in their design. | ||
| کلیدواژهها [English] | ||
| Current money management stress, Structural equations modeling, Financial security, Future time perspective, Financial well-being, Self-control, Financial behaviour | ||
| مراجع | ||
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آمار تعداد مشاهده مقاله: 193 تعداد دریافت فایل اصل مقاله: 125 |
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