تاثیر خودکارآمدی مالی بر سلامت مالی سرمایه‌گذاران
الموضوعات : پژوهش های مالی و رفتاری در حسابداری
علیرضا هوشمندی
1
,
امید پورحیدری
2
,
امیرحسین تائبی نقندری
3
,
مریم دوستکی
4
1 - گروه حسابداری،واحد کرمان، دانشگاه آزاداسلامی، کرمان، ایران
2 - عضو هیئت علمی دانشگاه شهید باهنر کرمان
3 - گروه حسابداری، واحد کرمان، دانشگاه آزاد اسلامی، کرمان، ایران
4 - مدیریت منابع طبیعی، دانشگاه ولی عصر (عج)، رفسنجان، ایران
الکلمات المفتاحية: استرس مالی, امنیت مالی, تاب‌آوری مالی, خودکارآمدی مالی,
ملخص المقالة :
این مطالعه باهدف پر کردن شکاف‌ها در سرمایه‌گذاری، و بررسی اینکه چگونه خودکارآمدی مالی بر ابعاد سلامت مالی شامل امنیت مالی، استرس مالی و تاب‌آوری مالی سرمایه‌گذاران کمک می‌کند، اجراشده است. جامعه آماری ما تمامی سرمایه‌گذاران حقیقی در بورس اوراق بهادار تهران است. درمجموع 395 پاسخ قابل‌استفاده استخراج شد و داده‌ها با استفاده از تکنیک مدل‌سازی معادله های ساختاری تجزیه و تحلیل شد. همچنین برای برآورد مقادیر پارامترهای مدل پژوهش از روش برآورد حداکثر درست نمایی استفاده‌شده است. یافته‌های این مطالعه شواهدی را برای پشتیبانی از سه فرضیه تدوین شده ارائه داده است. نتایج فرضیه اول حاکی از آن است که خودکارآمدی مالی ارتباط مثبت و معناداری با امنیت مالی دارد. به‌طور خاص، افرادی که سطح خودکارآمدی مالی بالاتری دارند، در مقایسه با افرادی که سطح خودکارآمدی مالی پایین‌تری دارند، به‌احتمال بیشتری از امنیت مالی برخوردارند. نتایج فرضیه دوم نشان داد که خودکارآمدی مالی ارتباط منفی و معناداری با استرس مالی دارد. به‌طوری‌که افزایش در خودکارآمدی مالی ممکن است به کاهش اثرات نامطلوب استرس مالی سرمایه‌گذاران کمک کند. همچنین، نتایج فرضیه سوم بیان کرده است که خودکارآمدی مالی ارتباط مثبت و معناداری با تاب آوری مالی دارد. افرادی که دارای خودکارآمدی مالی بالاتری هستند، به‌طورکلی در مقابل مشکلات مالی از تاب‌آوری بیشتری برخوردار هستند. این افراد قادرند بهترین تصمیمات مالی را بگیرند. دراین‌ارتباط آموزش و شناخت سرمایه‌گذاران از مسائل روان‌شناختی، علاوه بر آشنا بودن سرمایه‌گذاران به مسائل مالی سنتی، همیشه ابزار مفیدی برای مقابله با مشکلات مالی و سرمایه‌گذاری افراد بوده است.
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