Ricardo Teixeira Veiga, Cátia Fabíola Parreira de Avelar, Luiz Rodrigo Cunha Moura, Agnaldo Keiti Higuchi



Purpose – The paper describes the test of preexistent scales to measure behaviors of personal financial management, buying impulsiveness and financial strain


Design/methodology/approach – From the back translation of scales published in English, an empirical research was carried out to certify the reliability and validity of these instruments. A survey through the internet was carried out with 195 respondents (postgraduate students and teachers from five Brazilian states, connected to business administration courses).


Findings – The scales are reliable and showed construct validity. In the examination of scales’ nomological validity, there is a negative relation between  buying impulsineness and financial management. Financial manegement has a negative effect on financial strain, and partially mediates the positive relationship between impulsiveness and financial strain.


Originality/value – Results motivates the use of the scales in order to evaluate this trait of personal competence, supporting programs of financial education and the marketing planning of credit institutions.


Personal Financial Management. Financial Strain. Buying Impulsiveness. Scales’ Validation.


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