Financial decision-making behaviors of Ethnic Tibetan Households based on mental accounting

Agbola FW, Acupan A, Mahmood A (2017) Does microfinance reduce poverty? New evidence from Northeastern Mindanao, the Philippines. J Rural Stud 50:159–171 Aghion P, Bolton P (1997) A trickle down theory of growth and development. Rev Econ Stud 64:151–162 Antonides G, De Groot IM, Van Raaij WF (2011) Mental budgeting and the management of household finance. J Econ Psychol 32(4):546–555 Banerjee SB, Jackson L (2017) Microfinance and the business of poverty reduction: critical perspectives from rural Bangladesh. Hum Relat 70(1):63–91 Banerjee P, Chatterjee P, Mishra S, Mishra AA (2019) Loss is a loss, why categorize it? Mental accounting across cultures. J Consum Behav 18(2):77–88 Bauchet J, Marshall C, Starita L, Thomas J, Yalouris A (2011) Latest findings from randomized evaluations of microfinance. World Bank, Washington, DC. Accessed on 12/20/2022. Website: https://openknowledge.worldbank.org/handle/10986/26892 Benami E, Carter MR (2021) Can digital technologies reshape rural microfinance? Implications for savings, credit, & insurance. Appl Econ Perspect Policy 43(4):1196–1220 Botond K, Filip M (2020) Choice simplification: a theory of mental budgeting and naive diversification. Q J Econ 135(2):1153–1207 Chao X, Kou G, Peng Y, Viedma EH (2021) Large-scale group decision-making with non-cooperative behaviors and heterogeneous preferences: an application in financial inclusion. Eur J Oper Res 288(1):271–293 Cheema A, Soman D (2006) Malleable mental accounting: the effect of flexibility on the justification of attractive spending and consumption decisions. J Consum Psychol 16(1):33–44 Chen Q (2014) Advanced econometrics and Stata application. Higher Education Press, Beijing Chen Y, Kumara EK, Sivakumar V (2021) Investigation of finance industry on risk awareness model and digital economic growth. Ann Oper Res 1:22. https://doi.org/10.1007/s10479-021-04287-7 Chirwa EW (1997) An econometric analysis of the determinants of agricultural credit repayment in Malawi. Afr Rev Money Finance Bank 2:107–122 Cohen AB, Shariff AF, Hill PC (2008) The accessibility of religious beliefs. J Res Pers 42(6):1408–1417 Conning J, Udry C (2007) Rural financial markets in developing countries. Handb Agric Econ 3:2857–2908 Ding Z, Xu D, Qin Z (2014) Passive choice or subjective preference: why farmers prefer private channels for financing. Agric Tech Econ 11:52–64 Fels M (2020) Mental accounting, access motives, and overinsurance. Scand J Econ 122(2):675–701 Fok D, Paap R, Van Dijk B (2012) A rank-ordered logit model with unobserved heterogeneity in ranking capabilities. J Appl Econom 27(5):831–846 Ghimire R, Green GT, Paudel KP, Poudyal NC, Cordell HK (2017) Visitors’ preferences for freshwater amenity characteristics: implications from the US household survey. J Agric Resour Econ 42:90–113 Godquin M (2004) Microfinance repayment performance in Bangladesh: how to improve the allocation of loans by MFIs. World Dev 32(11):1909–1926 Heath C (1995) Escalation and de-escalation of commitment in response to sunk costs: the role of budgeting in mental accounting. Organ Behav Hum Decis Process 62(1):38–54 Heath C, O'curry S (1994) Mental accounting and consumer spending. ACR North American Advances Heath C, Soll JB (1996) Mental budgeting and consumer decisions. J Consum Res 23(1):40–52 Henderson PW, Peterson RA (1992) Mental accounting and categorization. Organ Behav Hum Decis Process 51(1):92–117 Huang YJ, Hu GS (2017) Financial poverty alleviation, behavioral psychology and regional poverty traps—poverty alleviation mechanism setup from the perspective of accurate identification. J Southwest Minzu Univ Humanit Soc Sci 38(2):1–10 Huang J, Sherraden M, Sherraden MS, Johnson L (2022) Effective finance to increase financial well-being for low-income families: empirical examination and policy implications. J Consum Affairs. https://doi.org/10.1111/joca.12484 Jia X, Heidhues F, Zeller M (2010) Credit rationing of rural households in China. Agric Financ Rev 70(1):37–54 Jiang X (2011) Research status of financial services for farmers and Herdsmen in Tibetan areas: literature review. Southwest Finance 5:18–20 Jiang X (2014) Discussion on the development of financial system in Tibetan areas of China. J Natl 5(6): 26–33+98–102 Jiang M, Paudel KP, Zou F (2020) Do microcredit loans do what they are intended to do? A case study of the credit village microcredit programme in China. J Int Dev 32(5):763–792 Jiang M, Paudel KP, Sene SO (2022) Does counter-guarantee affect microcredit mechanism’s performance on repayment? Evidence from Guangzhou, China. Int J Financ Econ 27(2):1807–1817 Johnston C, McDonald J, Quist K (2020) A generalized ordered Probit model. Commun Stat Theory Methods 49(7):1712–1729 Kou G, Yüksel S, Dinçer H (2022) Inventive problem-solving map of innovative carbon emission strategies for solar energy-based transportation investment projects. Appl Energy 311:118680 Li Q, Lu X, Li C, He J (2018) Mechanism analysis of the impact of social capital on farmers’ credit default. Agric Tech Econ 2:104–118 Li C, Sun T, Li Q (2019) Research on household welfare level under the interaction of demand and supply credit rationing: based on generalized propensity score matching method. Agric Tech Econ 1:111–120 Liu X, Cheng E (2009) Farmers’ formal credit constraints in poor areas: an empirical study based on rationing mechanism. Chin Rural Econ 6:37–50 Liu L, Paudel KP, Li G, Lei M (2019) Income inequality among minority farmers in China: does social capital have a role? Rev Dev Econ 23(1):528–551 Liu J, Zhang G, Zhang J, Li C (2020) Human capital, social capital, and farmers’ credit availability in China: based on the analysis of the ordered probit and PSM models. Sustainability 12(4):1583 Ma N, Xu M (2012) Experience and enlightenment of rural finance supporting agricultural economy in developing countries. World Agric 5:16–18 Mishra K, Gallenstein RA, Miranda MJ, Sam AG, Toledo P, Mulangu F (2021) Insured loans and credit access: evidence from a randomized field experiment in northern Ghana. Am J Agric Econ 103(3):923–943 Nan (2010) Study on Tibetan life etiquette and gift etiquette. Tibet University Navandar YV, Singh M, Dhamaniya A, Patel DA (2020) Empirical analysis of level of service at toll plaza by using ordered probit model. Transp Lett 12(10):692–700 Pan L, Zhong C (2016) Praying in churches or borrowing from banks. Micro evidences for correlated religion and financial behaviors. China Econ Q 15:125–148 Paulson AL, Townsend RM, Karaivanov A (2006) Distinguishing limited liability from moral hazard in a model of entrepreneurship. J Polit Econ 114(1):100–144 Pitt MM, Khandker SR (1998) The impact of group-based credit programs on poor households in Bangladesh: does the gender of participants matter? J Polit Econ 106(5):958–996 Sharma M, Zeller M (1997) Repayment performance in group-based credit programs in Bangladesh: an empirical analysis. World Dev 25(10):1731–1742 Stiglitz JE, Weiss A (1981) Credit rationing in markets with imperfect information. Am Econ Rev 71(3):393–410 Sun J, Luo T (2020) Influence of social network and economic characteristics on formal financial credit of farmers. Jiangsu Agric Sci 48(1):7–14 Thaler R (1985) Mental accounting and consumer choice. Mark Sci 4(3):199–214 Thaler RH (1999) Mental accounting matters. J Behav Decis Mak 12(3):183–206 Thaler RH (2015) Misbehaving: the making of behavioral economics. J Real Estate Lit 25(6):570–587 Turvey CG, Kong R, Huo X (2010) Borrowing amongst friends: the economics of informal credit in rural China. China Agric Econ Rev 2(2):133–147 Tversky A, Kahneman D (1979) Prospect theory: an analysis of decision under risk. Econometrica 47(2):263–291 Wang X (2019) Mechanism of tourism consumption decision based on psychological account—a study of tourism audience in mega cities. Econ Manag 41(3):141–155 Wang X, Fu Y (2022) Digital financial inclusion and vulnerability to poverty: evidence from Chinese rural households. China Agric Econ Rev 14(1):64–83 Wang RY, Zhou JB, Li LF (2017) Financial channels through which social capital influences social welfare: a perspective of temple finance. Econ Sci 5:31–47 Xiao H, Zhang Y, Kou G, Zhang S, Branke J (2023) Ranking and selection for pairwise comparison. Naval Res Logist (NRL). https://doi.org/10.1002/nav.22093 Yan X, Niu R (2017) The influence of farmers’ borrowing or lending money on income growing: sample of 1771 farmers. Reform 10:105–113 Yin Z, Wu Y, Gan L (2015) Financial availability, financial market participation, and household asset choice. J Econ Res 3:87–99 Yu H (2017) Study on the financing behavior of Chinese farm from the perspective of social network. Working Paper. Xiangtan University Zeller M (1998) Determinants of repayment performance in credit groups: the role of program design, intragroup risk pooling, and social cohesion. Econ Dev Cult Change 46(3):599–620 Zhang Y, Gao J, Zhang J (2015) Research on formal financial credit constraint of entrepreneurial farmers: an empirical analysis based on 939 surveys of entrepreneurial farmers. Agric Tech Econ 1:64–74 Zhang H, Kou G, Peng Y (2019) Soft consensus cost models for group decision making and economic interpretations. Eur J Oper Res 277(3):964–980 Zhao Y, He G (2007) Research on the effectiveness of co-guarantee loans for farmers. Financ Res 7:61–77 Zhu H, Li J (2018) Financial institution education from the perspective of financial consumer psychological account. Shanghai Finance 8:65–68 Zohaib M, Islam KA, Tahir MY, Hussain R, Zaineb A, Ismail M (2021) The innovative financial product development with its functional performance. Am Int J Econ Finance Res 3(1):1–15