Tác động của chủ nghĩa vật chất đối với hành vi tiết kiệm của sinh viên đại học tại Hà Nội Việt Nam: Vai trò của khả năng tự quản lý tài chính và tiêu dùng bốc đồng
Từ khóa:
Hành vi tài chính, tiêu dùng bất ngờ, chủ nghĩa vật chất, hành vi tiết kiệmTóm tắt
Nghiên cứu này xem xét mối quan hệ giữa chủ nghĩa vật chất và hành vi tiết kiệm trong số sinh viên đại học tại Hà Nội Việt Nam, vai trò của tiêu dùng bốc đồng, và khả năng tự tin tài chính trong mối quan hệ nêu trên. Bằng cách phân tích dữ liệu từ 253 sinh viên đại học, nghiên cứu này cho thấy rằng những sinh viên có chủ nghĩa vật chất cao thường thực hiện hành vi tiết kiệm so với đồng nghiệp của họ thông qua tác động trung gian của tiêu dùng bốc đồng. Cụ thể, nghiên cứu cho thấy một mối quan hệ tích cực giữa chủ nghĩa vật chất và hành vi tài chính, mặc dù không đạt mức ý nghĩa thống kê. Hiệu ứng trung gian của tiêu dùng bốc đồng trong mối quan hệ này có ý nghĩa thống kê, vì những người có chủ nghĩa vật chất và tiêu dùng bốc đồng thường chi tiêu không kế hoạch. Khả năng tự tin tài chính đóng vai trò quan trọng trong việc thúc đẩy hành vi tiết kiệm. Mối quan hệ giữa khả năng tự tin tài chính và chủ nghĩa vật chất và hành vi tiết kiệm có mức độ tương quan thấp, cho thấy tác động không phụ thuộc lẫn nhau.
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