Nội dung được dịch bởi AI, chỉ mang tính chất tham khảo
Tác động của sự thiếu thốn tài chính đối với chi tiêu tự nguyện, vay mượn và đầu tư
Tóm tắt
Nghiên cứu trước đây chỉ ra rằng những cá nhân có nguồn lực hạn chế thường tập trung vào những nhu cầu cấp bách. Chúng tôi giả thuyết và nhận thấy rằng những cá nhân có nguồn tài chính hạn chế có mức chi tiêu tự nguyện cao hơn, cho thấy họ tham gia vào việc chi tiêu tự nguyện, vay mượn và đầu tư nhiều hơn. Chúng tôi chứng minh rằng một trong những lý do khả dĩ khiến những người có nguồn tài chính hạn chế có mức chi tiêu tự nguyện cao hơn là bởi họ có những nhận thức lạc quan hơn về tương lai. Chúng tôi hỗ trợ cho những dự đoán của mình bằng cách sử dụng mẫu dữ liệu từ hơn 60,000 quan sát trong một cuộc khảo sát tại nông thôn Ấn Độ, hai bộ dữ liệu lưu trữ từ các cuộc khảo sát tại Ý và Đức, và hai thí nghiệm trực tuyến đã được đăng ký trước. Chúng tôi đã kiểm soát, thử nghiệm và loại trừ các giải thích thay thế khác nhau. Kết quả của nghiên cứu này mở rộng các phát hiện trong lĩnh vực khan hiếm tài chính và tiêu dùng tự nguyện. Thêm vào đó, chúng tôi cung cấp những hướng dẫn có thể hành động cho các nhà quản lý và những nhà hoạch định chính sách công về cách khuyến khích những cá nhân đang gặp khó khăn tài chính.
Từ khóa
#Thiếu thốn tài chính #chi tiêu tự nguyện #vay mượn #đầu tư #lạc quan tương lai #nghiên cứu xã hội.Tài liệu tham khảo
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