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Article
Publication date: 5 April 2021

Andrea Lučić, Marija Uzelac and Andrea Previšić

The purpose of this paper is to investigate the effects of values of materialism on cognitive and affective impulsiveness and responsible financial behavior among young adults.

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Abstract

Purpose

The purpose of this paper is to investigate the effects of values of materialism on cognitive and affective impulsiveness and responsible financial behavior among young adults.

Design/methodology/approach

A large-scale study (n = 483) was conducted on a sample of young adults 18 to 25 years of age in Croatia.

Findings

The research found that materialism has no direct effect on responsible financial behaviour (RFB), however, cognitive impulsiveness fully mediates the relationship of all three there three elements of materialism, centrality, success and happiness and RFB. Affective impulsiveness has no effect on the relationship. Furthermore, only materialism as centrality strongly and positively influences cognitive and affective impulsiveness.

Practical implications

Presented conclusions could be used by policymakers as guidelines for developing educational plans and curriculum to build financial capability and consumer protection among young adults and could be helpful for brand management activities targeting young people purchase decisions.

Originality/value

This paper’s ultimate purpose is to uncover the mechanism and the power of materialism on impulsiveness and responsible financial behavior. The paper’s originality is established by the focus on the investigation of materialism as an antecedent factor of impulsiveness and by questioning the nature of the relationship between materialism and responsible financial behavior through the mediating effect of impulsiveness.

Details

Young Consumers, vol. 22 no. 2
Type: Research Article
ISSN: 1747-3616

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Book part
Publication date: 30 September 2019

Goran Lapat and Renata Miljević-Riđički

Roma in Croatia are spatially, economically and politically marginalised. There is a social gap between Roma minority and the majority of population. Prejudice and stereotypes…

Abstract

Roma in Croatia are spatially, economically and politically marginalised. There is a social gap between Roma minority and the majority of population. Prejudice and stereotypes against the Roma community are deeply rooted in the mind of the local community due to their insufficient knowledge of the Roma culture. The women of the Roma ethnicity are doubly marginalised, because of their Roma ethnicity and their gender. Roma women, more than Roma men, lack the basic elements necessary for self-realisation: education, healthcare, cultural and political participation. Roma generally have poor access to healthcare, and most of them do not have medical records. The Roma in Croatia most often speak Boyash (bajaški) or Romani chib. They speak both their mother tongue (Romani) and the language of the country they live in – standard Croatian. Students can study the Romani language and culture in higher education, at the Faculty of Humanities and Social Sciences and the Faculty of Teacher Education at the University of Zagreb. Kali Sara, the Roma Association for the promotion of the education of Roma in the Republic of Croatia, organises courses for Roma children and young people on the Romani language, culture and life in general. As for the educational attainment of Roma, data show that Roma children are still rarely included in the preschool education system. A large number of Roma children do not complete compulsory education. They rarely attend secondary school. Very small number of Roma students graduate at the Faculty level.

Details

Lifelong Learning and the Roma Minority in Central and Eastern Europe
Type: Book
ISBN: 978-1-83867-260-7

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Article
Publication date: 2 January 2024

Andrea Lučić and Marija Uzelac

This study aims to explore possible behavioural change venues, beyond the traditional approach to financial education, using the capability-opportunity-motivation behaviour…

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Abstract

Purpose

This study aims to explore possible behavioural change venues, beyond the traditional approach to financial education, using the capability-opportunity-motivation behaviour theoretical framework of behavioural change.

Design/methodology/approach

The study included 45, semi-structured, in-depth interviews of young adults to explore which elements of financial behaviour formation should interventions target to be effective.

Findings

To strengthen capability, the study recommends behavioural education and training for boosting financial knowledge and skills, enablement of financial independence and modelling for empowering self-control and reducing impulsiveness. To boost motivation, gamification of modelling is advised for boosting responsible financial behaviour as part of the identity and inducing consideration of future consequences. Persuasion is advised for inducing positive emotions while incentivization and coercion are advised for empowering self-conscious intentions. To rise opportunity, the study proposes incentivization and coercion imposed by parents, and governmental efforts regarding restriction, enablement and environmental restructuring.

Practical implications

The study brings recommendations for developing efficient interventions for strengthening responsible financial behaviour that may help design type-specific education programmes to promote responsible financial behaviour.

Originality/value

The present study attempts to explore new venues in intervention design that break away from the traditional approach of financial education focused on knowledge and skills that is proven to be ineffective

Details

Young Consumers, vol. 25 no. 3
Type: Research Article
ISSN: 1747-3616

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