Hope, Perceived Financial Risk and Propensity for Indebtedness

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Bibliographic Details
Main Author:	Lucia Barros
Format:	Artículo científico
Language:	en
Published:	Associação Nacional de Pós-Graduação e Pesquisa em Administração 2012
Subjects:	Administración y Contabilidad Hope risk perception consumer behavior propensity for indebtedness
Online Access:	Acceder al recurso
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_version_	1866815677393797120
author	Lucia Barros
author_facet	Lucia Barros
contents	Hope, Perceived Financial Risk and Propensity for Indebtedness Lucia Barros Delane Botelho Administración y Contabilidad Hope risk perception consumer behavior propensity for indebtedness Hope is an important construct in marketing, since it is an antecedent of important marketing variables, such as trust, expectation and satisfaction (MacInnis & Mello, 2005). Specifically, literature suggests that hope plays an important influence in risk perception (MacInnis & Mello, 2005) and propensity for indebtedness (Fleming, 2008). Thus, we aim to investigate the relationships among hope, risk perception related to purchasing and consumption and propensity for indebtedness by conducting two empirical studies. The first is a laboratory experiment, which accessed hope and risk perception of getting a mortgage loan. The second is a survey, investigating university students¿ propensity to get indebted to pay for their university tuition, analyzed through the Structural Equations Modeling method. These studies found that higher levels of hope predicted an increase in the propensity to accept the mortgage loan, independent of actual risks, and an increase in the propensity of college students to get indebted to pay for their studies. In addition, the first study suggests that hope may lead to a decrease in risk perception, which, however, wasn¿t confirmed by the second study. Finally, this research offers some methodological contributions, using an experimental approach to understand hope and its relationship with perceived financial risk and propensity for indebtedness. 2012 artículo científico 1807-7692 https://www.redalyc.org/articulo.oa?id=84123767006 en http://www.redalyc.org/revista.oa?id=841 BAR - Brazilian Administration Review application/pdf Associação Nacional de Pós-Graduação e Pesquisa em Administração BAR - Brazilian Administration Review (Brasil) Num.4 Vol.9
format	Artículo científico
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language	en
publishDate	2012
publisher	Associação Nacional de Pós-Graduação e Pesquisa em Administração
spellingShingle	Hope, Perceived Financial Risk and Propensity for Indebtedness Lucia Barros Administración y Contabilidad Hope risk perception consumer behavior propensity for indebtedness Hope, Perceived Financial Risk and Propensity for Indebtedness Lucia Barros Delane Botelho Administración y Contabilidad Hope risk perception consumer behavior propensity for indebtedness Hope is an important construct in marketing, since it is an antecedent of important marketing variables, such as trust, expectation and satisfaction (MacInnis & Mello, 2005). Specifically, literature suggests that hope plays an important influence in risk perception (MacInnis & Mello, 2005) and propensity for indebtedness (Fleming, 2008). Thus, we aim to investigate the relationships among hope, risk perception related to purchasing and consumption and propensity for indebtedness by conducting two empirical studies. The first is a laboratory experiment, which accessed hope and risk perception of getting a mortgage loan. The second is a survey, investigating university students¿ propensity to get indebted to pay for their university tuition, analyzed through the Structural Equations Modeling method. These studies found that higher levels of hope predicted an increase in the propensity to accept the mortgage loan, independent of actual risks, and an increase in the propensity of college students to get indebted to pay for their studies. In addition, the first study suggests that hope may lead to a decrease in risk perception, which, however, wasn¿t confirmed by the second study. Finally, this research offers some methodological contributions, using an experimental approach to understand hope and its relationship with perceived financial risk and propensity for indebtedness. 2012 artículo científico 1807-7692 https://www.redalyc.org/articulo.oa?id=84123767006 en http://www.redalyc.org/revista.oa?id=841 BAR - Brazilian Administration Review application/pdf Associação Nacional de Pós-Graduação e Pesquisa em Administração BAR - Brazilian Administration Review (Brasil) Num.4 Vol.9
title	Hope, Perceived Financial Risk and Propensity for Indebtedness
topic	Administración y Contabilidad Hope risk perception consumer behavior propensity for indebtedness
url	https://www.redalyc.org/articulo.oa?id=84123767006

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