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Decomposition of the Financial Capability Construct: A Structural Model of Debt Knowledge, Skills, Confidence, Attitudes, and Behavior

cris.lastimport.scopus2024-09-15T01:31:00Z
dc.abstract.enBased on a nationally representative sample of adult Poles (<jats:italic>N</jats:italic> = 1,004), we examined structural relationships between financial knowledge, skills, confidence, attitudes, and behavior in debt-domain. We found that financial confidence—at least regarding debt-related issues—is tied to debt attitudes and behavior beyond the extent to which the attitudes and behaviors are linked to objective debt knowledge. Moreover, the relationship between objective knowledge and confidence turned out to be insignificant in our study. These findings suggest that confidence should be used as a separate marker of financial capability. Having established that skills correlate with behavior and attitudes differently than objective knowledge, we argue also to include them separately in financial capability measurements.
dc.affiliationAdministracji i Nauk Społecznych
dc.contributor.authorPiotr Białowolski
dc.contributor.authorAndrzej Cwynar
dc.contributor.authorWiktor Cwynar
dc.date.accessioned2024-07-23T11:42:24Z
dc.date.available2024-07-23T11:42:24Z
dc.date.issued2020
dc.description.number1
dc.description.volume32
dc.identifier.doi10.1891/JFCP-19-00056
dc.identifier.eissn1947-7910
dc.identifier.issn1052-3073
dc.identifier.urihttps://repo.akademiawsei.eu/handle/item/543
dc.languageen
dc.pbn.affiliationeconomics and finance
dc.relation.ispartofJournal of Financial Counseling and Planning
dc.rightsClosedAccess
dc.subject.enFinancial Capability Construct
dc.subject.enStructural Model
dc.subject.enDebt Knowledge
dc.subject.enSkills
dc.subject.enConfidence
dc.subject.enAttitudes
dc.titleDecomposition of the Financial Capability Construct: A Structural Model of Debt Knowledge, Skills, Confidence, Attitudes, and Behavior
dc.typeReviewArticle
dspace.entity.typePublication
oaire.citation.issue1
oaire.citation.volume32