Namų ūkių finansinių įpročių tyrimas Covid-19 karantino laikotarpiu

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Collection:
Mokslo publikacijos / Scientific publications
Document Type:
Straipsnis / Article
Language:
Lietuvių kalba / Lithuanian
Title:
Namų ūkių finansinių įpročių tyrimas Covid-19 karantino laikotarpiu
Alternative Title:
Research into changes in household financial habits during the Covid -19 lockdown
Authors:
In the Journal:
Regional formation and development studies. 2020, Nr. 2 (31), p. 183-196
Keywords:
LT
Klaipėda. Klaipėdos kraštas (Klaipeda region); Lietuva (Lithuania); Pandemijos / Pandemics.
Summary / Abstract:

LTNamų ūkių finansiniai sprendimai priklauso nuo ekonominio ciklo fazės. Atlikti tyrimai atskleidė, kad visame pasaulyje dėl įvairių su pandemija susijusių apribojimų, pasikeitė namų ūkių apsipirkimo įpročiai, daugiau domėtasi finansų ir akcijų rinkų pokyčiais, sumažėjo paslaugų vartojimas. Ribojimai turės įtakos ir namų ūkių finansiniam stabilumui. Siekta išanalizuoti Klaipėdos miesto ir Klaipėdos rajono namų ūkių finansinių įpročių pokyčius CO VID-19 karantino laikotarpiu. Straipsnyje nagrinėjami veiksniai, lėmę namų ūkių finansinių įpročių pokyčius, apibendrinami atliktos apklausos duomenys, siekiant nustatyti, kaip pasikeitė Klaipėdos miesto ir rajono namų ūkių finansiniai įpročiai paskelbus karantiną. [Iš leidinio]Reikšminiai žodžiai: Apklausa; COVID-19 pandemija; Finansiniai įpročiai; Namų ūkių elgsena; COVID-19 crisis; COVID-19 pandemic; Financial habits; Household behavior; Household behaviour; Survey.

ENThe economy is characterised by fluctuations, and economic growth is always followed by an economic slowdown. These are normal stages in the economic cycle, but their fluctuation is influenced by different factors. According to Coita (2019: 110), today’s economic research focuses on the analysis of human behaviour, and in particular how people make decisions in response to environmental stimuli. Therefore, the financial decisions made by households also depend on the phase of the economic cycle. This statement is confirmed by the fact that after each economic crisis, a great deal of attention is paid to increasing the financial literacy of individuals (Lusardi, Mitchell, 2014: 7). The rapid spread of the Covid-19 virus will not only affect the social life of households, it will also have an influence on their economic and financial stability. Many countries around the world are adopting various economic stimulus packages. The lockdown also affects the financial stability of households and household behaviour. The survey conducted by EVERFI (2020: 1) showed that 59 per cent of employees cite financial problems as the main cause of stress. Day et al. (2020: 18) pointed out that the pandemic has disrupted most businesses. Grocery stores try to supply only the most in-demand goods. A study by Hultgren (2020: 1) found that consumers change their shopping habits in response to the pandemic. Cleaning supplies, protective clothing, filtration products, groceries and snacks are purchased more (Decline in..., 2020: 1). A study by Hultgren (2020: 1) also revealed that households were more likely to search for information relating to changes in financial and stock markets: the most popular key words were Dow, SP500, and the stock market today. In addition, the number of online lenders to households has increased (Daniels, 2020: 3) to fill the need for credit for middle-class consumers.The financial decisions made by households depend on many factors. Jabeen et al. (2019: 31) state that emotions and beliefs affect the decision-making process. Studies have shown that the population’s health, in terms of life expectancy, infant, child and maternal mortality, is positively related to economic well-being and growth (Robalino et al., 2002: 216; Bhargava et al., 2001: 437). The recent increase in pandemics (HIV/ AIDS, Ebola, etc) is a matter for great concern. According to Qiu et al. (2016/2017: 4), there have been many significant pandemics and pandemic-related crises in human history that have had a huge negative effect on health, the economy, and even national security in the world. Households have to cope under financial strain, and this strain tests the financial management practices of households. There is no doubt that in 2019 and 2020, the worldwide CO VID-19 virus, which has forced people to self-isolate, will also affect the global economy and domestic behaviour. It should be emphasised that there is a lack of research analysing the influence of CO VID-19 on household behaviour. So the scientific problem can be formulated as follows: how household financial habits change during the CO VID-19 lockdown. The focus of the research: changes in financial habits. The aim of the research is to analyse the changes in household financial habits during the CO VID-19 lockdown in Klaipėda city and district.Research methods: analysis of scientific literature, systematisation, generalisation, quantitative study. The study showed that 75.7 per cent of households in Klaipėda city and district had savings for up to six months: 32.2 per cent had savings for up to 3 months, 21 per cent up to a month, and 21.5 per cent up to 3 months. It was established that household financial habits had changed during this lockdown. The amount and buying frequency of household purchases reduced, but quantities increased. What is more, ten per cent of respondents started buying in online stores. It was established that a correlation between the type of financial commitment and the education of adults in households exists. Households consisting of adults with a professional education tended to choose easy credit. The analysis also showed that rising food prices and falling incomes are identified as the biggest concerns of households in the near future. [From the publication]

DOI:
10.15181/rfds.v31i2.2109
ISSN:
2029-9370
Subject:
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https://www.lituanistika.lt/content/88820
Updated:
2021-02-02 19:07:03
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