نوع مقاله : مقاله پژوهشی
نویسندگان
1 گروه حسابداری، دانشگاه حضرت معصومه (س)، قم، ایران
2 کارشناسی ارشد فناوری اطلاعات، شرکت ملی مناطق نفتخیز جنوب، اهواز، ایران.
چکیده
کلیدواژهها
موضوعات
عنوان مقاله [English]
نویسندگان [English]
Adopting a psychological perspective, this study examines the causal relationship between math anxiety and financial anxiety and personal financial management behavior — conceptualized as a key form of consumer behavior in the financial services market — and analyzes the role of these two types of anxiety in financial decision-making and information processing. This study was conducted using a descriptive–correlational design and structural equation modeling. The statistical population consisted of employees of the Ministry of Petroleum, from whom 97 individuals were randomly selected. Data were collected in the fall of 2024 through a questionnaire, and the structural relationships were analyzed using SmartPLS version 3. The findings show that math anxiety and financial anxiety have a negative effect on financial management behavior; as these anxieties increase, financial functioning becomes impaired and less efficient. Financial anxiety serves as a mediating variable between math anxiety and financial management behavior. In addition, both types of anxiety are directly associated with higher levels of financial avoidance. Among the demographic variables examined (gender, age, education, marital status, income, and place of employment), only place of employment had a significant effect on all the study’s main constructs — math anxiety, financial anxiety, financial management behavior, and financial avoidance. These results underscore the critical role of the work environment in shaping financial behavior. The results indicate that individuals with high levels of financial anxiety significantly avoid participating in financial markets. Therefore, reducing financial anxiety can substantially enhance their motivation to adopt sound and efficient financial behaviors.
کلیدواژهها [English]
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