Presentation Format and Individual Financial Decisions

2015 ◽  
Author(s):  
Jose L. B. Fernandes ◽  
Pedro Yukio Minagawa ◽  
Alberto S. Matsumoto
Keyword(s):  
Presentation Format ◽  
Financial Decisions

PRESENTATION FORMAT AND INDIVIDUAL FINANCIAL DECISIONS

2016 ◽  
Vol 16 (1) ◽  
pp. 37-42
Author(s):  
Jos� Fernandes ◽  
Pedro Minagawa ◽  
Alberto Matsumoto
Keyword(s):  
Presentation Format ◽  
Financial Decisions

Choosing for you: Diminished self–other discrepancies in financial decisions under risk in the elderly.

2018 ◽  
Vol 33 (6) ◽  
pp. 871-891 ◽  
Author(s):  
Narun Pornpattananangkul ◽  
Bing Cai Kok ◽  
Jingwen Chai ◽  
Yi Huang ◽  
Lei Feng ◽  
...  
Keyword(s):  
The Elderly ◽  
Financial Decisions ◽  
Decisions Under Risk

Would you Make the Right Decision? – Decision Making Biases in Economy - Related Dilemmas

2018 ◽  
Vol 9 (1) ◽  
pp. 59-66
Author(s):  
Zsuzsanna Gödör ◽  
Georgina Szabó
Keyword(s):  
Decision Making ◽  
Online Survey ◽  
Framing Effect ◽  
Economic Knowledge ◽  
Bank Account ◽  
Financial Decisions ◽  
Hungarian Population ◽  
The Moment ◽  
The Right ◽  
Decision Making Biases

Abstract As they say, money can’t buy happiness. However, the lack of it can make people’s lives much harder. From the moment we open our first bank account, we have to make lots of financial decisions in our life. Should I save some money or should I spend it? Is it a good idea to ask for a loan? How to invest my money? When we make such decisions, unfortunately we sometimes make mistakes, too. In this study, we selected seven common decision making biases - anchoring and adjustment, overconfidence, high optimism, the law of small numbers, framing effect, disposition effect and gambler’s fallacy – and tested them on the Hungarian population via an online survey. In the focus of our study was the question whether the presence of economic knowledge helps people make better decisions? The decision making biases found in literature mostly appeared in the sample as well. It proves that people do apply them when making decisions and in certain cases this could result in serious and costly errors. That’s why it would be absolutely important for people to learn about them, thus increasing their awareness and attention when making decisions. Furthermore, in our research we did find some connection between decisions and the knowledge of economics, people with some knowledge of economics opted for the better solution in bigger proportion

Factors Affecting Financial Literacy of Vietnamese Adults: A Case Study for Hanoi and Nghe An

2017 ◽  
Vol 33 (2) ◽  
Author(s):  
Tue Nguyen Dang
Keyword(s):  
Higher Education ◽  
Multiple Regression ◽  
Financial Literacy ◽  
Urban Areas ◽  
Logistic Models ◽  
Factors Affecting ◽  
Financial Behaviors ◽  
Financial Decisions ◽  
Literacy Level

This research examines the factors affecting the financial literacy of Vietnamese adults. Using a sample of 266 observations of adults in 2 big cities in Vietnam (Hanoi and Vinh in Nghe An Province), the author evaluates the literacy level of adults in these urban areas. The financial literacy of the interviewed people is low. The multiple regression results show that lower financial literacy levels associate with higher age and married status and higher financial literacy levels associate with higher education, more family members, the person making financial decisions and the person attending a useful financial course. This research also explores the association between financial literacy and financial behaviors of individuals employing logistic models. It is found that higher financial literacy associates with less probability of overspending and higher probability of saving money and careful spending. Higher financial literacy is also found to associate with higher probability of opening a savings account and making various investments. 

Role of Credit Rating in determining Capital structure: Evidence from Non-Financial sector of Pakistan

2020 ◽  
Vol 38 (3) ◽  
Author(s):  
Shoaib Ali ◽  
Imran Yousaf ◽  
Muhammad Naveed
Keyword(s):  
Capital Structure ◽  
Credit Rating ◽  
Least Square ◽  
Annual Data ◽  
Leverage Ratio ◽  
Financial Decisions ◽  
Financial Firms ◽  
High Level ◽  
The Impact ◽  
The Capital Structure

This paper aims to examine the impact of external credit ratings on the financial decisions of the firms in Pakistan.  This study uses the annual data of 70 non-financial firms for the period 2012-2018. It uses ordinary least square (OLS) to estimate the impact of credit rating on capital structure. The results show that rated firm has a high level of leverage. Moreover, Profitability and tanagability are also found to be a significantly negative determinant of the capital structure, whereas, size of the firm has a significant positive relationship with the capital structure of the firm.  Besides, there exists a non-linear relationship between the credit rating and the capital structure. The rated firms have higher leverage as compared to the non-rated firms. The high and low rated firms have a low level of leverage, while mid rated firms have a higher leverage ratio. The finding of the study have practical implications for the manager; they can have easier access to the financial market by just having a credit rating no matter high or low. Policymakers must stress upon the rating agencies to keep improving themselves as their rating severs as the measure to judge the creditworthiness of the firm by both the investors and management as well.

Says Who? The Effects of Presentation Format and Source Rating on Fake News in Social Media

MIS Quarterly ◽  
2019 ◽  
Vol 43 (3) ◽  
pp. 1025-1039 ◽  
Author(s):  
Antino Kim ◽  
◽  
Alan R. Dennis ◽  
Keyword(s):  
Social Media ◽  
Presentation Format ◽  
Fake News

Conflicting Health-Related Scientific Evidence in News Reports: Effects of Hedging and Presentation Format on Perceived Issue Uncertainty and Scientists’ and Journalists’ Credibility

2019 ◽  
Author(s):  
Hui Zhang
Keyword(s):  
Health Communication ◽  
Scientific Evidence ◽  
The Other ◽  
Presentation Format ◽  
News Article ◽  
Online Experiment ◽  
News Reports ◽  
Conflicting Evidence ◽  
Health Related

Introduction: This study examined effects of two journalistic practices in reporting conflicting scientific evidence, hedging and presentation format, on scientists’ and journalists’ credibility and issue uncertainty. Methods: An online experiment was conducted using students from a western U.S. university. Hedging was manipulated as reporting methodological limitations versus not reporting the limitations in news articles covering the conflict. Presentation format was manipulated as using a single news article to report both sides of the conflict versus using double articles with one side of the conflict in one article and the other side in the other article. Results: The study found that perceived issue uncertainty was higher in hedged news articles than that in non-hedged articles; presentation format did not affect people’s perceived issue uncertainty. For scientists’ credibility (both competence and trustworthiness), this study found that it was lower in the single-article format than that in the double-article format; for journalists’ credibility, this study found that journalists’ trustworthiness in the two formats did not vary, but their competence was lower in the double-article format than that in the single-article format. Conclusion: This study contributes to the field of science and health communication by examining effects of presentation format used in communicating conflicting health-related scientific evidence and by examining effects of communicating scientific limitations in a context where conflicting evidence exists. Keywords: conflicting scientific evidence, hedging, presentation format, scientists’ credibility, journalists’ credibility

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