Hope, perceived financial risk and propensity for indebtedness

Barros, Lucia Salmonson Guimarães; Botelho, Delane

doi:10.1590/s1807-76922012000400006

Cited by 10 publications

(7 citation statements)

References 46 publications

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“…This relationship is aligned with Bauer's (1960) statement that perceived risk is directed by a sense of loss and uncertain, personal and negative consequences. Our findings are also in line with the findings of Barros and Botelho (2012) with regard to perceived risk of the relationship with the propensity for debt. They found similar results as those that are presented here, i.e., the higher the perceived risk in the financial operations that are to be performed, the lower the propensity for debt will be (Barros and Botelho, 2012).…”

Section: Final Remarkssupporting

confidence: 91%

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Perceived risk and intention to use internet banking

Marafon

Basso

Espartel

et al. 2018

IJBM

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Purpose The purpose of this paper is to analyze the moderating role of self-confidence and risk acceptance on the relationship between perceived risk and intention to use internet banking. Design/methodology/approach A survey was conducted with 180 Brazilian banking customers. The Johnson-Neyman test was used to verify the moderation and significant regions along self-confidence and risk acceptance levels. Findings Self-confidence and risk acceptance moderate the relationship between risk perception and intention to use internet banking. For individuals with high self-confidence, the effect of perceived risk on intention to use internet banking is lower than it is for individuals with low self-confidence. In the same way, for individuals with high risk acceptance, the effect of perceived risk on intention to use internet banking is lower than it is for individuals with low risk acceptance. Research limitations/implications This research contributes to the understanding of the conditions (two personal factors) under which risk perception does not influence intention to use a technological tool. Practical implications This paper provides insights for marketing managers to encourage customers to develop greater risk acceptance and self-confidence to minimize the negative effects of perceived risk of the adoption of internet banking. Originality/value Although risk perception can contribute to customers’ avoidance of internet banking, this is the first paper to verify how acceptance of risk and self-confidence can moderate the effects of perceived risk on intention to use internet banking.

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Section: Final Remarkssupporting

confidence: 91%

“…data transaction attacks). Barros and Botelho (2012) related perceived risk with propensity for debt, and they found that the higher the perceived risk in operations, the lower the propensity for debt.…”

Section: Perceived Riskmentioning

confidence: 99%

Perceived risk and intention to use internet banking

Marafon

Basso

Espartel

et al. 2018

IJBM

View full text Add to dashboard Cite

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“…The second determinant is risk perception, which indicates how a person views risk during decision-making. Barros and Botelho (2012) suggested that consumers who have a strong expectation for acquisition could underestimate the risk. People with high risk perception tend to have low levels of debt Caetano et al 2011).…”

Section: Theoretical Basismentioning

confidence: 99%

Determinants of Indebtedness: Influence of Behavioral and Demographic Factors

Rahman

Azma

Masud

et al. 2020

IJFS

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This study aims to examine the influence of behavioral and demographic factors on indebtedness by constructing a model using specific determinants. The exploratory method is used through the partial least square (SmartPLS) technique, by surveying 320 respondents in Kuala Lumpur, Malaysia. A self-administered questionnaire was administered to respondents, addressing both demographic and behavioral factors. The results confirmed four of the eight hypotheses stated. Among the determinants, risk perception had a highly significant relationship with both materialism and emotion, while indebtedness had a relationship with emotion and materialism. The findings also indicated that significant differences exist between indebtedness and behavioral factors on the basis of gender, marital status, age, income, and dependence on credit cards and loans. The results may assist various economic players to design better models for credit offerings and address the credit problem in the long term.

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“…For example, two persons who have an equal risk when buying similar goods may perceive the risk differently. Thus, they will make different decisions related to the goods (Barros and Botelho, 2012). Prior studies have linked risk perception with financial decision making (e.g.…”

Section: Introductionmentioning

confidence: 99%

Propensity toward indebtedness: evidence from Malaysia

Azma

Rahman

Adeyemi

et al. 2019

RBF

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Purpose The purpose of this paper is to develop a model for studying the propensity towards indebtedness in Malaysia using behavioural factors. Design/methodology/approach A self-administered questionnaire was distributed among Malaysians who work in Klang Valley, Kuala Lumpur. The questionnaire contained several demographic variables and four behavioural factors: financial literacy, risk perception, materialism and emotions. A total of 201 completed questionnaires were received and the data were tested using structural equation modelling with partial least squares. Findings This study found that emotion and materialism are statistically significant for a propensity towards indebtedness, while financial literacy and risk perceptions are insignificant for a propensity towards indebtedness. Originality/value The results of this study would be useful in helping design better models for credit offerings and addressing credit problems in the long run.

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Hope, perceived financial risk and propensity for indebtedness

Cited by 10 publications

References 46 publications

Perceived risk and intention to use internet banking

Perceived risk and intention to use internet banking

Determinants of Indebtedness: Influence of Behavioral and Demographic Factors

Propensity toward indebtedness: evidence from Malaysia

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