Improving financial capability: the mediating role of financial behaviour

Gentjan Çera · Khurram Ajaz Khan · Ahmad Mlouk · Tomáš Brabenec

103 citations0/0 files storedEconomic Research-Ekonomska Istraživanja

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Financial Literacy, Pension, Retirement Analysis Microfinance and Financial Inclusion Financial Literacy and Behavior

Abstract

This paper investigates the collective impact of financial literacy and inclusion on individuals’ financial capability focusing on the mediating role of financial behaviour. The research is conducted on an individual-level survey. The relationships were examined by using PLS-SEM. Financial capability can be improved by increasing individuals’ financial knowledge, financial behaviour and promoting their inclusion in financial services. Furthermore, the indirect effect of financial knowledge and attitude on financial capability is found to be significant, highlighting the importance of financial behaviour. The results assist policymakers and industry leaders in understanding the most influential factors on financial capability in the context of a post-communist transition country. This enables them to design policies and services aimed at equipping citizens with knowledge and skills to make best use of their financial resources.

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References

1991The theory of planned behavior 2003Common method biases in behavioral research: A critical review of the literature and recommended remedies.1977Self-efficacy: Toward a unifying theory of behavioral change.2014A new criterion for assessing discriminant validity in variance-based structural equation modeling 1977Self-efficacy: Toward a unifying theory of behavioral change.2018When to use and how to report the results of PLS-SEM 2014The Economic Importance of Financial Literacy: Theory and Evidence 2011Specification, evaluation, and interpretation of structural equation models

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