Financial Self-Efficacy: Mediating the Association Between Self-Regulation and Financial Management Behaviors

被引：7

作者：

Palmer, Lance ^{[1
]}

Richardson, Evin Winkelman ^{[2
]}

Goetz, Joseph ^{[1
]}

Futris, Ted G. ^{[3
]}

Gale, Jerry ^{[4
]}

DeMeester, Karen ^{[5
]}

机构：

[1] Univ Georgia, Dept Financial Planning Housing & Consumer Econ, Dawson Hall,305 Sanford Dr, Athens, GA 30602 USA

[2] Univ Georgia, Dept Human Dev & Family Sci, 119 Barrow Hall,115 DW Brooks Dr, Athens, GA 30602 USA

[3] Univ Georgia, Dept Human Dev & Family Sci, 227 Hoke Smith Annex,300 Carlton St, Athens, GA 30602 USA

[4] Univ Georgia, Dept Human Dev & Family Sci, Dawson Hall,305 Sanford Dr, Athens, GA 30602 USA

[5] Univ Georgia, Carl Vinson Inst Govt, 201 North Milledge Ave, Athens, GA 30602 USA

来源：

JOURNAL OF FINANCIAL COUNSELING AND PLANNING | 2021年 / 32卷 / 03期

关键词：

financial behavior; financial management; financial self-efficacy; financial self-regulation; mindfulness; self-control; LOW-INCOME; MINDFULNESS; KNOWLEDGE; DEPLETION; RESOURCE; POVERTY; PROGRAM;

D O I：

10.1891/JFCP-19-00092

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

Both self-efficacy and self-regulation have been connected to financial behaviors and financial outcomes of households; however, their associations have been studied independently. This study examined the association between general self-regulation (i.e., mindfulness practice, self-care behaviors, and conflict management) and financial management behavior, mediated by financial self-efficacy. Data was gathered from 693 individuals in couple relationships residing in the Southeastern United States of America who participated in a Healthy Marriage and Relationship Education training program. Analyses of data showed that general self-regulation and financial self-efficacy were positively associated with financial management behaviors and that general self-regulation was indirectly associated with financial management behaviors through financial self-efficacy. Implications of this study suggest that by coupling financial education, counseling, and coaching interventions with broad-based self-regulation programming, such as mindfulness or relationship training, clients will realize more significant improvements in financial management behaviors.

引用

页码：535 / 549

页数：15