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Vol. 40 Núm. 72 (2021)

Política económica

Impacto de la amenaza financiera en el cambio de comportamiento del inversor: el efecto moderador del apoyo social durante la Covid-19 en Pakistán

https://doi.org/10.19053/01203053.v40.n72.2021.13024

Publicado 2021-07-25

  • Hussain Mehdi
    • ,
  • Shaukat Malik
    • ,
  • Huma Ali
    • ,
  • Zeeshan Rasool

Hussain Mehdi
Bahauddin Zakariya University

Shaukat Malik
Director of institute of banking and finance. Bahauddin Zakariya University, Multan

Huma Ali
Institute of banking and finance. Bahauddin Zakariya University, Multan

Zeeshan Rasool
School of Economics and Management, Shaanxi University of Science and Technology

Resumen

El objetivo de este artículo es investigar los antecedentes de la amenaza financiera y su relación con la incli-nación del individuo a cambiar su comportamiento financiero y su estado de salud. La población de estudio comprende a pequeños inversionistas que poseen pólizas de seguros de vida. El diseño de investigación explicativa se utiliza para conocer la relación causal entre todas las variables. Se utilizaron datos primarios recopilados a través de cuestionarios aplicados personalmente a los encuestados. Los encuestados fueron seleccionados al azar y los cuestionarios fueron aplicados de manera apropiada para facilitar la recopila-ción de datos. Las diferentes técnicas de datos Smart PLS3 se emplearon para las inferencias de datos. Este estudio explora que tanto las dificultades económicas como la ansiedad financiera están efectivamente asociadas con la amenaza financiera, y que la amenaza financiera también se relaciona significativamente con la voluntad de cambiar el comportamiento financiero y la angustia psicológica. La investigación tam-bién revela que la amenaza financiera media entre variables independientes y dependientes. La contribu-ción más novedosa de este estudio es el papel del apoyo social, que moderó significativamente la relación entre la amenaza financiera y la voluntad de cambiar el comportamiento financiero. Este estudio hace una importante contribución a la literatura existente sobre las amenazas financieras, brinda excelentes sugerencias prácticas para inversionistas individuales domésticos y destaca los problemas que enfrentan estos pequeños inversores.

Palabras clave

dificultades económicas, ansiedad financiera, amenaza financiera, voluntad de cambiar el comportamiento , angustia psicológica, apoyo social

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