6 research outputs found
The moderating effects of gender and generation on personality traits, compulsive buying behavior, and financial behaviors
No full textDissertation (Ph.D. BA)--Assumption University, 2023.Includes bibliography
An empirical study of the influence of perceived organizational support and proactive personality on employee engagement: the mediating role of self efficacy and job crafting in Thailand
No full textDissertation (Ph.D. BA)--Assumption University, 2021.Includes bibliography
Factors influencing overindebtedness: a logistic regression analysis of consumers in Bangkok
No full textOverindebtedness is a source of default risk facing by commercial banks and loan
institutions. Although studies of factors influencing individuals’ indebtedness are prevalent,
less of previous studies had examined financial factors distinguishing mild-debtors from
overindebted individuals. The present study aims at identifying and empirically testing the
financial factors (i.e. financial literacy, experiences in using financial services, and money
management) which distinguish mild-debtors from overindebted individuals. Questionnaires
were distributed to 440 respondents who are at working age in Bangkok area. Logistic
regression analysis was employed in order to identify critical factors distinguishing milddebtors from overindebted individuals. Findings from the present study indicated that financial
literacy and experience in using financial services were not significant factors that
distinguished mild-debtors from overindebted individuals. Money management, i.e. credit
management and saving management were found to be the most significant factors
distinguishing mild-debtors from overindebted individuals. Results from the present study
provide implications for financial institutions to reduce adverse selection problems. Since
credit management is the most critical factors influencing overindebtedness beyond other
factors, records of previous credit usages and payment behaviors of individuals must be
seriously take into account when determining credit approval. To reduce insolvency risk, credit
rating must be used as the first priority when financial institutions approving loans. In addition,
results from the present study also provide implications for policy makers to reduce personal
debt problem. Since financial literacy in term of numeric calculation is not a significant factors
affecting overindebtedness, financial education that emphasizes mathematic and numeric
calculation may not sufficient to reduce overindebtedness problem, training on how to manage
individuals’ budget, saving, and using credit carefully must be emphasized to reduce financial
problems
Causes and Consequences of Compulsive Buying Behavior: The Moderator Effects of Gender and Generation
No full text Compulsive buying has received attention from academicians in several countries. Past empirical studies (i.e. of Achtziger et al., 2015; Donnelly et al., 2013; Gupta, 2013; Moon & Attiq, 2018) emphasized on some personality factors, (i.e. materialism, self-esteem, and self-control) that influence compulsive buying behavior. The present study fills this gap by: 1) incorporating delay-gratification as another important trait factor affecting compulsive buying behavior, 2) simultaneously examining the influence of personality traits on compulsive buying behavior and its effects on credit card usage and credit card debts, and 3) observing variations of study results among different groups of gender and generation (Gen X, Gen Y, & Baby Boomers). Data are collected from 550 shoppers who hold credit cards at the 11 shopping malls in Bangkok. Results from Structural Equation Model indicated that 1) materialism has a positive influence on compulsive buying behavior, while self-control, self-esteem, and delay-gratification have negative influences on compulsive buying behavior, 2) there is a positive influence of compulsive buying behavior on credit card usage and credit card debts, 3) in examining the moderating role of gender and generation on the relationships among the personality traits, compulsive buying behavior, and financial behaviors, the multigroup analysis has revealed that gender has a moderating effect on the relationship between self-control and compulsive buying behavior only while, 4) generation (Gen Y versus Baby Boomers) has moderating effects on the relationships of materialism and delay-gratification on compulsive buying behavior, and the relationships between compulsive buying behavior and credit card debts.
Keywords: Causes and Consequences, Compulsive Buying Behavior, Credit Card Debts, Credit Card Usage, Gender, Generation, Structural Equation Model (SEM
Financial Development : Disaggregate Analysis of Financial Depth, Financial Access and Financial Efficiency
No full textFinancial Development : Disaggregate Analysis of Financial Depth, Financial Access and Financial Efficiency
No full textIn this study, we empirically test whether the level of financial development varies across countries with different income levels and examine whether the development of each aspect (i.e. depth, access, and efficiency) of financial institutions and financial markets is conditional upon the level of country’s economic development. By analyzing the Global Financial Development data of the World Bank for 206 countries in 7 regions during 1960 2015, our results indicate that the level of financial development varies significantly across countries in different income groups. By decomposing financial development into six dimensions, the results show that financial institution depth, financial institution access, financial market depth, and financial market efficiency increase as the level of country’s development increases. However, we find that financial institution efficiency, as measured by operating performance of the banking sector, deteriorates in high-income countries. The ability of firms to access to bond markets improves but firms’ accessibility to stock markets deteriorates in countries with higher levels of income
