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The Influence of Personality Traits on Household Financial Decisions: Evidence from 31 European Countries

Title
The Influence of Personality Traits on Household Financial Decisions: Evidence from 31 European Countries
Type
Article in International Scientific Journal
Year
2025
Authors
Lobão, J
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Ashqar, RI
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Authenticus ID: P-018-117
Abstract (EN): Household financial decision-making is a complex process influenced by various factors, including personality traits. This study examines the impact of these on household finance in 31 European countries, utilizing the European Union Statistics on Income and Living Conditions (EUSILC) dataset from Eurostat. We have employed a logistic regression analysis to investigate the relationship between personality traits and three key dimensions of household finance: the likelihood of holding secured debts, the probability of experiencing financial distress, and the state of financial well-being. Our findings have revealed that high levels of neuroticism and extraversion are linked to a greater likelihood of financial distress, whereas low levels of either of them are associated with a higher probability of holding a mortgage. This study highlights the significance of incorporating personality traits into the analysis of household financial decisionmaking and provides valuable insights into the determinants of household finance in Europe.
Language: English
Type (Professor's evaluation): Scientific
No. of pages: 22
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File name Description Size
10116-Article Text-83398-2-10-20250219 674.42 KB
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