Development and validation of financial well-being related scales

2019 ◽  
Vol 37 (4) ◽  
pp. 1025-1040 ◽  
Author(s):  
Farah Diba M.A. Abrantes-Braga ◽  
Tania Veludo-de-Oliveira
Keyword(s):  
Interest Rates ◽  
Credit Card ◽  
Discriminant Validity ◽  
Well Being ◽  
Confirmatory Factor Analyses ◽  
Content Type ◽  
Convergent And Discriminant Validity ◽  
Group Interviews ◽  
Development And Validation ◽  
Additional Income

PurposeThe purpose of this paper is to develop valid and reliable scales for assessing a driver and two obstacles potentially related to financial well-being (FWB): financial preparedness for emergency, beliefs of credit limits as additional income and risky indebtedness behaviour.Design/methodology/approachThe scales were developed from scratch across six studies, employing a two-step methodology, which encompassed both qualitative (e.g. focus group, interviews) and quantitative (i.e. online surveys) data collection. Exploratory and confirmatory factor analyses were employed to test and validate the proposed scales.FindingsThis study provides a set of three parsimonious, self-reported behavioural measures that could be employed in conjunction with objective economic indicators to identify individuals who are financially ill prepared and potential candidates for delinquency. The three proposed scales achieved satisfactory levels of reliability and convergent and discriminant validity.Research limitations/implicationsThe resulting scales still need to be tested for predictive validity and in different consumer groups. The scales were validated in a single culture population (Brazil, a country that presents extraordinarily high credit card interest rates), and they should be tested cross-culturally in countries with different economic and credit policies.Originality/valueThe literature on FWB has traditionally employed objective financial indicators as an attempt to measure the concept of FWB and its elements. Self-reported behavioural measures of such constructs are scant to the point of being non-existent for some elements. This study is the first to offer scales for measuring the elements of financial preparedness for emergency, beliefs of credit limits as additional income and risky indebtedness behaviour.

scholarly journals Enemies and friends in high-tech places: the development and validation of the Online Social Experiences Measure

2019 ◽  
Vol 5 ◽  
pp. 205520761987835 ◽  
Author(s):  
Robert G Kent de Grey ◽  
Bert N Uchino ◽  
Brian RW Baucom ◽  
Timothy W Smith ◽  
Avery E Holton ◽  
...  
Keyword(s):  
Social Support ◽  
Discriminant Validity ◽  
Social Experiences ◽  
High Tech ◽  
Confirmatory Factor Analyses ◽  
Online Social Support ◽  
Convergent And Discriminant Validity ◽  
Cardiovascular Assessment ◽  
Two Factors ◽  
Development And Validation

Background Interpersonal positivity and negativity are separable dimensions both recognized as having important effects on health. Though online social interactions and research examining them are increasingly common, no validated instrument has heretofore been developed to examine social support and social negativity specifically in online contexts. The present studies describe the development and validation of the Online Social Experiences Measure (OSEM) to allow for assessment of online social positivity and negativity simultaneously. Methods and results In Study I, responses to a potential item pool were collected from participants ( N = 557), who were then subdivided into two groups for the purposes of cross-validation via exploratory and confirmatory factor analyses. Results suggested the emergence of two factors: online social support (OSEM+ subscale) and online social negativity (OSEM− subscale). Across Studies I and II ( N = 139), the OSEM showed good convergent and discriminant validity, and both subscales had high internal consistency. Study II included an ambulatory cardiovascular assessment and found the OSEM− subscale to be predictive of elevated diastolic blood pressure and heart rate. The OSEM+ subscale was predictive of more favorable cardiovascular readings for some types of participants (e.g. those with a greater number of online-only social ties). Conclusions Overall, results suggest online social positivity and negativity may have implications for physical health, and that the OSEM may be a useful tool in understanding online social processes.

Health harm of work from the sustainable HRM perspective: scale development and validation

2016 ◽  
Vol 37 (6) ◽  
pp. 924-944 ◽  
Author(s):  
Sugumar Mariappanadar
Keyword(s):  
Psychological Health ◽  
Discriminant Validity ◽  
Three Dimensional ◽  
Well Being ◽  
Three Dimensions ◽  
Three Dimensional Model ◽  
Positive Health ◽  
Study Item ◽  
Confirmatory Factor Analyses ◽  
Content Type

Purpose The purpose of this paper is to develop a health harm of work scale from the sustainable HRM perspective. Design/methodology/approach A three-dimensional model was proposed for the health harm of work scale and validated (Total n=527) using a five-part study (item generation, item reduction, convergent, construct and discriminant validity). Findings Exploratory and confirmatory factor analyses supported that the three dimensions (restrictions for positive health, the risk factors for psychological health and the side effect harm of work) simultaneously tap into different aspects of the health harm of work construct. The results from the construct validity revealed that health harm of work as a phenomenon has manifested itself in different facets of health harm of work intensification. Finally, the discriminant validity study revealed that the overlap between the dimensions of the health harm of work scale and the dimensions of recovery experience from the work questionnaire is low and it provides support for the discriminant validity of dimensions between these two scales. Practical implications The proposed measure can be used as potential leading indicators for negative occupational health to prevent or delay the onset of work-related illness manifestation or health consequences (sick leave, absenteeism, presenteeism, etc.). Originality/value This is the first study to validate a measure of health harm of work and to provide tangible evidence of health harm of work which will subsequently trigger organizations to introduce a planned intervention to improve occupational well-being to promote sustainable HRM.

Help me, I can’t afford it! Antecedents and consequence of risky indebtedness behaviour

2020 ◽  
Vol 54 (9) ◽  
pp. 2223-2244 ◽  
Author(s):  
Farah Diba M.A. Abrantes-Braga ◽  
Tânia Veludo-de-Oliveira
Keyword(s):  
Interest Rates ◽  
Financial Services ◽  
Credit Card ◽  
Structural Equation ◽  
Online Survey ◽  
Well Being ◽  
Self Report ◽  
Mediation Effects ◽  
Content Type ◽  
Credit Access

Purpose This study aims to develop and test a parsimonious theoretical model of risky indebtedness behaviour, a facet of over-indebtedness that refers to the behavioural tendency of often assuming hazardous debt levels. Design/methodology/approach The authors administered an online survey to credit card owners (n = 1,288) in an emerging economy in which consumer credit is characterized by extremely high interest rates (i.e. Brazil). The authors used covariance-based structural equation modelling to analyse the data and test for mediation effects. Findings Individuals who inadvertently consider their credit limits a part of their current income or are typically anxious about money are prone to engage in impulsive buying and, consequently, risky indebtedness behaviour. By engaging in such indebtedness behaviour, individuals weaken their financial preparedness for emergencies, which potentially jeopardizes their overall financial well-being. Research limitations/implications As indebtedness is a highly sensitive issue, the self-report measures used may have produced social desirability bias. Practical implications This study discusses the responsibility of financial institutions to support consumers in building awareness on how to adequately use financial services and to provide credit access to high-risk consumers. Policymakers need to ensure that those in the private sector play fairly. Originality/value This study adds new knowledge about how destructive financial behaviours operate and impact marketing and consumers’ financial well-being. It theorizes about indebtedness by critically examining existing and newly developed concepts in the financial services marketing literature.

scholarly journals Development and Validation of the Moral Disengagement in Sport Scale

2007 ◽  
Vol 29 (5) ◽  
pp. 608-628 ◽  
Author(s):  
Ian D. Boardley ◽  
Maria Kavussanu
Keyword(s):  
Moral Disengagement ◽  
Discriminant Validity ◽  
Team Sports ◽  
Second Order ◽  
Order Structure ◽  
Confirmatory Factor Analyses ◽  
Convergent And Discriminant Validity ◽  
Confirmatory Factor ◽  
Factor Study ◽  
Development And Validation

A sport-specific measure of moral disengagement was developed in 2 studies. In Study 1, a 59-item questionnaire was developed and tested with 308 athletes from 5 team sports. A series of confirmatory factor analyses (CFA) testing different models suggested the model that best fitted the data had 6 first-order factors that could be represented by 1 second-order factor. Study 2 involved 305 athletes from the same 5 sports. CFA confirmed the 6-factor, second-order structure for the final 32-item measure. Results from Study 2 supported the construct validity of the scale, providing evidence for the factorial, concurrent, convergent, and discriminant validity. The Moral Disengagement in Sport Scale (MDSS) is proposed as a valid and reliable measure of moral disengagement for use in the sport context.

Brand hypocrisy from a consumer perspective: scale development and validation

2019 ◽  
Vol 28 (5) ◽  
pp. 598-613 ◽  
Author(s):  
Amélie Guèvremont
Keyword(s):  
Scale Development ◽  
Predictive Validity ◽  
Negative Impact ◽  
Well Being ◽  
Confirmatory Factor Analyses ◽  
Content Type ◽  
Four Dimensions ◽  
Consumer Perspective ◽  
Consumer Inferences ◽  
Development And Validation

Purpose There is increasing interest in understanding negative consumer reactions to brands and the nature of negative brand perceptions. The purpose of this paper is to conceptualize the construct of brand hypocrisy from a consumer perspective and develop a scale to measure it. Design/methodology/approach A multiphase scale development process involving 559 consumers was conducted. Study 1 pertains to item generation and reduction phases. Study 2 reports on scale purification and validation through confirmatory factor analyses and model comparisons. Study 3 focuses on discriminant and predictive validity, while Study 4 further investigates predictive validity using real brands with differences in brand hypocrisy. Findings A 12-item scale measuring four dimensions of brand hypocrisy is developed: image hypocrisy (brand failing to put words into action), mission hypocrisy (brand exerting an unacknowledged negative impact on society or consumer well-being), message hypocrisy (brand conveying unrealistic or unattainable images) and social hypocrisy (brand supporting social responsibility initiatives for strategic purposes only). Results indicate that brand hypocrisy is distinguishable from similar constructs in the literature and that it is a significant predictor of negative word-of-mouth and brand distance. Practical implications This conceptualization provides managers with a detailed understanding of what constitutes a hypocritical brand in the eyes of consumers as well as insights about how to prevent consumer perceptions of brand hypocrisy. Originality/value Findings enrich the understanding of negative consumer inferences related to brands and provide a conceptualization of an understudied but increasingly relevant form of brand judgment.

Development and Validation of the Volitional Components Inventory for Drug Rehabilitation

2019 ◽  
Vol 50 (1) ◽  
pp. 89-102
Author(s):  
Chang-Jiang Liu
Keyword(s):  
Drug Addiction ◽  
Discriminant Validity ◽  
Drug Rehabilitation ◽  
Good Test ◽  
Confirmatory Factor Analyses ◽  
Convergent And Discriminant Validity ◽  
Five Factors ◽  
Confirmatory Factor ◽  
Test Retest Reliability ◽  
Development And Validation

Long-term recovery from drug abuse is a volitional process. Until now, no measure has been available for assessment of executive functioning capacity in this process. This study aims to identify a volitional process for drug addiction rehabilitation and to develop the Volitional Components Inventory for Drug Rehabilitation (VCI-DR). An item pool was constructed, based on theory construction, individual- and group-focused interviews, and expert feedback. Results of exploratory and confirmatory factor analyses suggested a structure with five factors: motivation control, impulse control, arousal control, self-discipline, and action management. The VCI-DR displayed promising convergent and discriminant validity with theoretically predicted criterion variables (sense of control, indecisiveness, impulsiveness, motivation of drug addiction rehabilitation, and emotion regulation). In addition, results showed good test–retest reliability, with excellent internal consistencies. Taken together, this research offers promising support for the VCI-DR, potentially advancing both basic and applied addiction research.

scholarly journals An analysis of the experiences based on experimental marketing: pandemic COVID-19 quarantine

2020 ◽  
Vol 16 (4) ◽  
pp. 327-340
Author(s):  
Fernando Tavares ◽  
Eulália Santos ◽  
Ana Diogo ◽  
Vanessa Ratten
Keyword(s):  
Design Methodology ◽  
Discriminant Validity ◽  
Well Being ◽  
Human Beings ◽  
Content Type ◽  
Convergent And Discriminant Validity ◽  
Confirmatory Factor ◽  
Adequate Internal Consistency ◽  
At Home

PurposeThe purpose of this article is to analyze the experiences experienced during the COVID-19 pandemic quarantine, based on an experimental marketing perspective and to validate a scale of experiences for the quarantine context.Design/methodology/approachThe life of a human being is a sum of the experiences that occur in their daily life, from experiences at home, to experiences at work, shopping, holidays and, essentially, with other human beings. However, experiences during the quarantine period became limited to experiences at home. For this, we used a questionnaire survey that analyzes the experiences experienced by individuals. The sample consists of 726 individuals who were in Portugal during the quarantine and confinement period.FindingsThe results show that the exploratory and confirmatory factor analysis produced a structure with four factors that the authors called Sense and Feel, Pandemic Feel, Pandemic Think and Act. The experiences are manifested with greater intensity in the factors Pandemic Think and Sense and Feel. The scale of experiences used showed to have convergent and discriminant validity and adequate internal consistency. It is expected that the present study will contribute to increase scientific knowledge in the behavioral area and in the area of positive psychology in the context of pandemic and confinement situations.Originality/valueThe results achieved become useful for health and marketing professionals, which allow them to define appropriate strategies to better serve the population in order to improve people's health, well-being and quality of life.

Measurement of Hedonic and Eudaimonic Orientations to Happiness: The Spanish Orientations to Happiness Scale

2019 ◽  
Vol 22 ◽  
Author(s):  
Laura Lorente ◽  
Núria Tordera ◽  
José María Peiró
Keyword(s):  
Convergent Validity ◽  
Discriminant Validity ◽  
Well Being ◽  
Orientations To Happiness ◽  
Convergent And Discriminant Validity ◽  
Average Variance ◽  
Two Measures ◽  
Scientific Value ◽  
Development And Validation ◽  
Item Scale

AbstractUnderstanding happiness and well-being has been one of the central issues for psychologists in recent decades. Happiness orientations have been identified as important pathways toward different types of well-being, and so the development and validation of scales for their measurement is an important step in their study. The present research aims to adapt and validate the Spanish Orientations to Happiness Scale (SOTH), a 6-item scale based on the Orientations to Happiness Questionnaire. This brief scale, which measures hedonic and eudemonic orientations, was administered to 1,647 Spanish workers. Scale structure was subjected to exploratory (EFA) and confirmatory (CFA) factor analysis to obtain evidence of factorial validity. Evidence for convergent validity was assessed by correlating the scale with two measures of hedonic and eudaimonic well-being, and discriminant validity was assessed with the average variance extracted (AVE). Results of EFA showed a two-factor solution, and CFA partially supported this structure, χ2(8,N= 793) = 36.61, p < .001; RMSEA = .06; SRMR = .05; CFI = .97; ACFI = .96. Results also demonstrated appropriate convergent and discriminant validity. The SOTH Scale has been shown to be reliable (CR indices > .72) and valid (AVE = .50), and so it is a valuable tool for assessing orientations to happiness in the Spanish context. Finally, the scientific value and practical utility of the scale are discussed.

The Development and Validation of a Scale Measuring Postgraduate School Application Self-Efficacy

2020 ◽  
pp. 106907272097440
Author(s):  
Meaghan K. Rowe-Johnson ◽  
Alex Rice ◽  
Saba R. Ali
Keyword(s):  
Graduate Education ◽  
Undergraduate Students ◽  
Self Efficacy ◽  
Discriminant Validity ◽  
Factor Analyses ◽  
Confirmatory Factor Analyses ◽  
Convergent And Discriminant Validity ◽  
Confirmatory Factor ◽  
Exploratory Factor Analyses ◽  
Development And Validation

This study introduces a new construct to the literature that may impact students’ entrance into postgraduate programs: postgraduate school application self-efficacy. Although previous scholars have explored the admissions processes for a variety of disciplines and have developed a measure for graduate education self-efficacy, no measure has been developed to assess postgraduate school application self-efficacy (PSASE). Therefore, the purpose of this study was to develop and validate a measure of 423 undergraduate students’ PSASE. Parallel analyses, exploratory factor analyses, and confirmatory factor analyses were conducted to determine the underlying factor structure of the PSASE scale. Reliability and correlational analyses were also conducted to assess convergent and discriminant validity. Results revealed a conceptually interpretable, 16-item, four-factor solution that accounted for 80.88% of the total variance. Correlational analyses with graduate education self-efficacy and self-esteem provided evidence of convergent and discriminant validity for the PSASE subscales. Implications and future directions were explored.

Development and Validation of the Internet Gratification Scale for Adolescents

2016 ◽  
Vol 35 (4) ◽  
pp. 361-376 ◽  
Author(s):  
Amandeep Dhir ◽  
Sufen Chen ◽  
Marko Nieminen
Keyword(s):  
Information Seeking ◽  
Discriminant Validity ◽  
Factor Analyses ◽  
Validity And Reliability ◽  
Internal Reliability ◽  
Confirmatory Factor Analyses ◽  
Uses And Gratification ◽  
Internet Users ◽  
Convergent And Discriminant Validity ◽  
Development And Validation

The proliferation of Internet usage has motivated Internet researchers and practitioners to study possible gratifications underlying Internet use. Despite the fact that research examining Internet gratification is more than two decades old, no attempt has been made in the last decade to develop an instrument that has known reliability of scores and validity of inferences to examine the various Internet gratifications. To bridge this gap, the present study has estimated the reliability of scores and validity of inferences of a 27-item instrument, examining different Internet uses and gratification (U&G) among 1,914 adolescent Internet users. The development and validation process involved exploratory and confirmatory factor analyses, examination of convergent and discriminant validity, and other measures of construct validity and reliability. The factor analyses revealed a six-factor structure, representing six Internet gratifications, namely, information seeking, exposure, connection, coordination, entertainment, and social influence. This instrument exhibits excellent internal reliability. The practical and theoretical contributions of this instrument are also presented.

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