بررسی تحلیلی در سیر تحول سواد مالی و رفتار مالی: یک رویکرد کتاب‌سنجی

محورهای موضوعی : مهندسی مالی

کاظم دهناد ¹ , رضا غلامی جمکرانی ²

1 - گروه مالی، واحد قم، دانشگاه آزاد اسلامی، قم، ایران.
2 - گروه حسابداری، واحد قم، دانشگاه آزاد اسلامی، قم، ایران.

تاریخ دریافت : 1401/01/04 تاریخ پذیرش : 1401/06/28 تاریخ انتشار : 1401/06/01

کلید واژه: سواد مالی, کتاب‌سنجی, رفتار مالی, تحلیل کتاب‌سنجی,

چکیده مقاله :

هدف: علی‌رغم تحقیقات اکتشافی، مفهومی و تجربی متعددی که در زمینه‌های اقتصاد، مالی، تجارت و مدیریت در زمینه رفتار و سواد مالی انجام شده است، تا به امروز هیچ نقشه علمی جامعی ارائه نشده است. ازاین‌رو، هدف این پژوهش شناسایی روندهای حوزه پژوهش از طریق ترکیب ساختارهای دانش است.روش‌شناسی پژوهش: در این تحقیق، با استفاده از یک روش جستجوی علمی در پایگاه‌داده وب آف ساینس در بازه زمانی 2022-1995، تحلیل ببلیومتری در حوزه یادگیری مالی و رفتار مالی از 1138 سند انتخاب شده انجام شد. برای این منظور از برنامه بیبلیوشاینی، یک برنامه وب مبتنی بر زبان R و شامل درون‌یابی ببلیومتریکس استفاده شد. با کمک جریان کاری در نرم‌افزار، مجلات برجسته، نویسندگان، کشورها، مقالات و موضوعات مشخص شدند و تحلیل‌های نقل‌قول، هم نقل‌قول و شبکه اجتماعی انجام شدند.یافته‌ها: یافته‌ها نشان می‌دهد که سواد مالی و رفتار در طول زمان به‌عنوان یک حوزه بین‌رشته‌ای توسعه‌یافته است. در ابتدا، محققان بر روی عوامل جمعیت‌شناختی و اقتصادی-اجتماعی تمرکز کردند، اما بعداً این حوزه گسترش یافت و موضوعاتی مانند ساختارهای رفتاری و روان‌شناختی را که بر رفتار مالی تأثیر می‌گذارند، در بر گرفت. این پژوهش نه‌تنها چارچوب مفهومی حوزه را آشکار می‌کند، بلکه ساختار فکری و اجتماعی آن را نیز آشکار می‌کند. این مطالعه بینش‌های ارزشمندی را در زمینه‌هایی ارائه می‌دهد که به تحقیقات بیشتر نیاز دارند.اصالت / ارزش‌افزوده علمی: در گذشته، تحقیقات نظری و عملی زیادی در مورد سواد مالی و رفتار مالی در کشورهای مختلف انجام شده است که زمینه‌های مختلفی از جمله اقتصاد، مالی، روان‌شناسی و رفتار مصرف‌کننده را پوشش می‌دهد. یکی از مشارکت‌های مهم این مطالعه این است که ادبیات پراکنده در این زمینه را ادغام می‌کند و منابع، نویسندگان و اسناد مهم را شناسایی می‌کند، درحالی‌که ارتباط بین سواد مالی و رفتار مالی را بررسی می‌کند.

چکیده انگلیسی:

Purpose: Despite the numerous exploratory, conceptual, and empirical investigations that have been conducted in the fields of economics, finance, business, and management on financial behavior and literacy, no comprehensive science mapping has been presented to date. Therefore, the purpose of this study is to identify trends in the research field through the synthesis of knowledge structures.Methodology: A bibliometric investigation was conducted on a selection of 1,138 documents in the realm of financial literacy and financial behavior, utilizing a scientific search strategy implemented on the Web of Science database during the 1995-2022 period. The study was carried out using Biblioshiny, a web-based application that is part of the Bibliometrix package designed in R-language. The software's automated workflow facilitated the identification of distinguished journals, authors, countries, articles, and themes, and enabled the conduction of citation, co-citation, and social network analyses.Findings: The findings indicate that financial literacy and behavior have developed as an interdisciplinary domain over time. Initially, researchers concentrated on demographic and socioeconomic factors, but the domain later expanded to encompass themes such as behavioral and psychological constructs that impact financial behavior. This research not only unveils the conceptual framework of the domain but also its intellectual and social structure. The study offers valuable insights into areas that require further research.Originality / Value: In the past, a great deal of theoretical and practical research has been carried out on financial literacy and behavior in various countries, covering diverse fields such as economics, finance, psychology, and consumer behavior. One of the major contributions of this study is that it integrates and unites scattered literature in this area, and identifies important sources, authors, and documents, while examining the link between financial literacy and financial behavior.

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