Да ли је време важно? Утицај способности финансијског одлучивања на финансијске изборе посредоване временским перспективом
Sažetak
Циљ овог рада је да се испита однос између способности финансијског одлучивања и финансијских избора, као и да се провери посредничка улога временске перспективе у овом односу. Способност финансијског доношења одлука се састоји од два фактора: финансијског понашања (ФПо) и финансијске писмености (ФПи). Док се користе три финансијска избора, а то су: инвестиција, штедња и потрошња. Користећи моделовање структурних једначина (енг. Structural Equation Modeling- SEM), узорак од 380 учесника је коришћен за анализу резултата. Налази указују да и финансијска писменост и финансијско понашање значајно повећавају улагања и изборе појединаца, док финансијско понашање такође повећава потрошњу. Поред тога, студија је открила да различити фактори временске перспективе такође посредују у односу између способности финансијског доношења одлука и финансијских избора. Рад се завршава значајним импликацијама на прописе.
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