Влияние материализма на удовлетворенность жизнью: медиативная роль финансового стресса

The subjective experience of financial stress has profound implications for well-being, health, cognitive performance, and decision-making. In a sample of Dutch households (N = 1114), we studied the association of five economic factors - income, saving, debts, income volatility, and employment - with a four-factor measure of financial stress: 1) an appraisal of insufficient financial resources, 2) an appraisal of lack of control over one's financial situation, 3) financial worries and rumination, and 4) a short-term focus. This enabled us to examine the economic factors' relative contributions to predicting55Throughout this article, by "prediction" we mean the statistical process of estimating the value of one variable based on the values of other variables (Hernán et al., 2019). We do not imply causal relationships. financial stress. We found that the combination of economic factors predicted financial stress better than income alone. Particularly, buffer savings had a large contribution to predicting financial stress. The number of debts had a smaller relative contribution to predicting financial stress, whereas we did not find support for debt amount as a predictor of financial stress. Employment was negatively associated with financial stress, but only for households with the lowest incomes. We found no support for income volatility predicting financial stress. These results imply that research and policy on financial stress should have a broader scope than income alone and should take a more integrative approach to households' financial situation, considering savings, number of debts, and unemployment.

Background: Financial stress is a growing concern among nursing students, particularly in low- and middle-income countries, where limited financial resources may affect students’ academic behavior. Academic integrity is fundamental to nursing education, directly influencing the development of ethical and competent healthcare professionals. Understanding the relationship between financial stress and academic integrity is essential for identifying factors that may compromise educational standards and future professional conduct.Aim: This study aimed to assess the association between financial stress and academic integrity among undergraduate nursing students in private colleges of Sargodha, Pakistan.Methods: A descriptive cross-sectional design was employed. The study was conducted in various private nursing colleges in Sargodha. Using the Raosoft sample size calculator and a total population of 450 students, a sample size of 270 was determined. Data were collected using a structured, self-administered questionnaire comprising demographic details, a validated Financial Stress Scale, and an Academic Integrity Questionnaire. Descriptive and inferential statistics, including chi-square tests, were applied using SPSS version 27. A p-value < 0.05 was considered statistically significant.Results: The findings showed that 54.8% of students experienced moderate financial stress, while 21.9% experienced high financial stress. Academic integrity was high among 44.8% of students, moderate in 38.1%, and low in 17.1%. A significant association was found between financial stress and academic integrity (χ² = 31.56, p < 0.001), with higher stress linked to lower integrity levels.Conclusion: Financial stress significantly influences academic integrity in nursing students. Targeted interventions to alleviate financial burdens may enhance ethical academic behavior.

Research income income poverty. is on below financial Income that disadvantage of poverty a designated is defined in Australia poverty as living line. has in focused a However, household mainly income whose on income poverty. Income poverty is defined as living in a household whose income is bel w th f a esignated p erty line. Ho ev r, n om poverty may provide only a limited understanding of financial disadvantage. Concepts such as subjective poverty, expenditure poverty, deprivation and financial stress are designed to overcome perceived inadequacies in the concept of income poverty. A major point of the submission by the Department of Family and Community Services (DFCS, 2003 :xi) to the Senate (2004:xvii, 18-20) inquiry into poverty was that financial disadvantage was too narrowly defined by income. Deprivation and financial stress are measures of households' financial situation that may complement income poverty (McColl, Pietsch and Gatenby, 2001). Saunders (1996) pointed out that income is at best an imperfect indicator of living standards. Travers and Richardson (1993) argued that financial disadvantage is better measured by several indicators, such as deprivation and financial stress, as well as income. Therefore, there is an implicit assumption that the different indicators are tapping the same underlying concept of poverty or financial disadvantage, but all do so imperfectly. The purpose of this paper is to contribute to the understanding of financial disadvantage by analysing several of its indicators in addition to the commonly used measure, before-housing income poverty. The additional indicators are afterhousing income poverty, subjective poverty and financial stress. The paper examines the extent of financial disadvantage in Australia according to these four indicators, mobility in and out of financial disadvantage, and the interrelationships between indicators. The relationships between the indicators and a range of demographic, sociological and economic factors are also examined. Before-housing Income poverty is defined as living in a household with disposable income, after adjusting for household composition, below a designated poverty line. After-housing measures adjust household disposable income and thus the designated poverty line for housing costs. Subjective poverty is defined as judging one's level of prosperity as 'poor' or 'very poor'. Individuals and households in financial stress are not coping financially; they have difficulty in meeting their financial obligations and may seek financial assistance from others. Income poverty, subjective poverty and financial stress are by no means the only indicators of financial disadvantage. Other indicators include expenditure poverty which, similar to income poverty, is defined as expenditure levels less than a designated level (DFCS, 2003:92; Saunders, 1997; Saunders, 1998); relative deprivation, defined as the 'enforced lack of perceived social necessities

IntroductionPeople of working age who have been diagnosed with a terminal illness, and those who care for them, often find themselves forced to give up work and become unemployed. In...

The financial impact and consequences of cancer on the lives of survivors remain poorly understood. This is especially true for colorectal cancer. We investigated objective cancer-related financial stress, subjective cancer-related financial strain, and their association with health-related quality of life in colorectal cancer survivors. This was a cross-sectional postal survey. The study was conducted in Ireland, which has a mixed public-private healthcare system. Colorectal cancer survivors, diagnosed 6 to 37 months prior, were identified from the population-based National Cancer Registry. Cancer-related financial stress was assessed as impact of cancer on household ability to make ends meet and cancer-related financial strain by feelings about household financial situation since cancer diagnosis. Health-related quality of life was based on European Organisation for Research and Treatment of Cancer QLQ-C30 global health status. Logistic regression was used to identify associations between financial stress and strain and low health-related quality of life (lowest quartile, score ≤50). A total of 493 survivors participated. Overall, 41% reported cancer-related financial stress and 39% cancer-related financial strain; 32% reported both financial stress and financial strain. After adjustment for sociodemographic and clinical variables, the odds of low health-related quality of life were significantly higher in those who reported cancer-related financial stress postdiagnosis compared with those who reported no change in financial stress postcancer (OR = 2.54 (95% CI, 1.62-3.99)). The odds of low health-related quality of life were also significantly higher in those with worse financial strain postdiagnosis (OR =1.73 (95% CI, 1.09-2.72)). The OR for those with both cancer-related financial stress and financial strain was 2.59 (95% CI, 1.59-4.22). Survey responders were younger, on average, than nonresponders. Responders and nonresponders may have differed in cancer-related financial stress and strain or health-related quality of life. Four in 10 colorectal cancer survivors reported an adverse financial impact of cancer. Cancer-related financial stress and strain were significantly associated with low health-related quality of life. To inform support strategies, additional research is needed to better understand how both objective and subjective financial distress influence survivors' health-related quality of life. See Video Abstract http://links.lww.com/DCR/A447.

This study was motivated by the fact that some employees are extrinsically motivated whilst others are not, yet employers were trying to combat the current corporate financial constraints by eliminating all employee financial benefits. As such, employees were found to be facing financial difficulties as evidenced by low salaries and wages as well as late payment of these salaries, following exorbitant salary cuts of up to 50% in 2016. Additionally, employees’ financial benefits were eliminated, they spent up to six months without being paid and working days (for some employees) were also reduced resulting in employees getting half salaries. Additionally, as a result of financial problems, employees were found to be associated with high and rising debt and credit levels, low savings rates, frequent requests of salary advances, high absenteeism rates, and occasional long breaks. The objectives of this study were; to establish whether financial stress is prevalent or not among employees in Zimbabwe’s construction sector; identify its predictors and its consequences, establish the strategies being adopted to cope with financial stress, and examine its impact on employee performance at the workplace. Various literature sources in relation to the study title were reviewed and critically analyzed, which in turn informed this study framework. The study adopted the descriptive-explanatory research design. The study target population, comprised all the employees and management totaling 250 respondents. A sample of 134 respondents was selected using the stratified random sampling technique. Out of the 134 questionnaires that were distributed, 95 were retrieved. The obtained raw data was analyzed using the STATA 11 statistical package, utilizing the regression tool and frequency computations, and is herein presented in tabular format. The study thus established that financial stress is undeniably prevalent among employees within Zimbabwe’s construction sector. It is predicted by demographic factors as well as other independent factors. Its consequences include high absenteeism rates, lateness at work and health problems and employees are currently adopting some strategies to cope with it, which include menial jobs, collective savings programs, and financial management strategies. It was also established that these consequences are affecting employee performance by reducing productivity per worker. The main study recommendations are that employees should have stress management skills through financial education, advice, and counseling, and the employer on the other hand, should explore alternative turnaround strategies to revive the company from financial distress other than continuously cutting down on wages and salaries and retrenching its workforce. Further studies are recommended to establish productivity trends and relate them to financial stress over a specific period of time since productivity, in this case, was measured through inference.

Background Rural African Americans with diabetes encounter unique challenges related to managing their condition, including diabetes-specific distress, financial stress, and interpersonal stressors. This study investigated the associations between these stressors and self-management behaviors in a small population sample. Methods Fifteen rural African American adults (mean age = 66.08 yrs.; SD = + 6.16) with diabetes participated in this cross-sectional study. Participants completed validated measures, including the Summary of Diabetes Self-Care Activity (SDSCA), Center for Epidemiologic Studies Depression Scale (CES-D), Perceived Stress Scale (PSS), Partner Strain, Parental Stress Scale, Diabetes Distress, Everyday Discrimination, and Cost-FACIT. Descriptive statistics and correlational analyses examined the relationships between stressors and self-management behaviors. Results Participants reported moderate levels of financial, relational, and perceived stress, and diabetes distress. Higher levels of financial stress were associated with poorer diabetes self-care activities (r = -0.628, p < 0.05). Emotional burden (r = 0.804, p < 0.01) and interpersonal distress (r = 0.600, p < 0.05) are significantly correlated with perceived stress. Financial stress is significantly associated with everyday discrimination (r = 0.508, p < 0.05). Conclusion Despite the small sample size, our findings highlight the intricate interplay between diabetes distress, financial stress, relationship stress, and self-management behaviors among rural African Americans with diabetes. Tailored interventions addressing these stressors and promoting effective coping strategies may be crucial in improving diabetes management outcomes in this population. Further research with larger samples is warranted to confirm these findings and inform targeted interventions for better diabetes care in rural African American communities.

Background: The authors analyzed the distribution of medical student debt and identified demographic features that placed students at high risk for increased debt and financial stress. Methods: From April to May 2019, a cross-sectional, anonymous, web-based survey was administered to first-year (M1) to fourth-year (M4) medical students at the University of Michigan to assess financial literacy, debt burden, financial stress, and demographic factors. A total of 216 of 680 (32%) students completed the survey. Respondents voluntarily answered 15 multiple-choice questions on personal finance and 30 questions on their demographics, current financial situation, and debt burden. To quantify debt burden, students estimated anticipated education-related debt in one of four categories: no debt, $1-99,999; $100,000-$199,999; and $200,000 or more. A chi-square test was used to identify associations between categorical variables and logistic regression was used to identify risk factors for debt and worry. Results: Fifty-four respondents (25%) reported $0 in education related debt, while 44 (16%) had $200,000 or more. Race (p=0.006), first-generation college student status (p=0.004), first-generation medical student status (p<0.001), household income (p<0.001), and parental education (p=0.008) were associated with higher levels of debt. Students who were underrepresented in medicine (URiM) had higher odds of higher debt compared to Arab and Asian students (p=0.02). URiM students (p=0.02), first-generation college students (p=0.009), and parental education (p=0.01) were associated with increased financial stress. Additionally, female students had higher odds of increased financial stress (OR=1.85, p=0.045) on logistic regression. Conclusions: URiM and socioeconomically disadvantaged students feel the burden of the high cost of medical school disproportionately more, suggesting that our current systems are not adequately supporting these students. Reducing this burden may serve to further promote diversity in medicine.

The present study examined effects of sociodemographic, risk, and resilience factors on marital, parental, and financial stress early in the COVID-19 pandemic. A cross-sectional online survey was conducted among 480 married Palestinians living in Israel, using self-report questionnaires. Descriptive statistics and bivariate correlations were computed. Then, hierarchical multiple regression analyses were conducted to predict each of the three stress measures. Finally, dominance analyses were conducted to compare the contributions of sociodemographic, risk, and resilience factors. The results showed considerable differences between predictors of marital and parental stress and predictors of financial stress. For marital and parental stress, resilience factors mainly family resilience were the strongest predictors, followed by risk factors and then sociodemographic characteristics. For financial stress, risk factors (mainly financial damage and prior stressful life events) were the strongest predictors, followed by sociodemographic characteristics and resilience factors (mainly individual resilience). These results suggest that family and individual resilience reduce marital and parental stress under difficult conditions, including the COVID-19 pandemic. Though resilience has been found to ameliorate financial stress to some extent, it appears that other measures are required to manage stress related to financial difficulties.

Purpose: The purpose of this study is to determine the impact of attitudinal acceptance of violence (AAV) over observed violence (OV), including the impact of five factors on OV. The study aims to identify the impact of acceptance of violence and explore its consequences, if any. The independent variables (IV) in the study are self-esteem (SE), women empowerment (WE), locus of control (LoC), financial income (FI), number of people in the family (FS), and financial stress (FinST). The dependent variable (DV) is observed violence (OV). We are seeing the moderating effect of AAV over OV as well as the impact of IVs over the moderator AAV. Research design: The participants of the study are married women in the age bracket of 18–60 years. The sample size of the study is 205. The data was obtained primarily through an adopted, pre-tested, structured questionnaire. Data were analyzed using descriptive, correlation, and multiple regression. FinST and SE resulted in statistically significant impacts on OV, whereas there was no moderating impact of AAV among all the factors. Findings: The acceptance of violence by an individual woman differs vastly depending on personal perception, childhood experiences, education level, occupational type, the status of a dependency, and level of self-esteem. Women with high self-esteem are less likely to face violence; similarly, higher financial stress in the family increases the chances of observing violence. Practical Implications: The significance of this study is highlighted by the realization of the need for modification in the attitudinal acceptance of violence through changing Pakistan's educational policy. This study will help raise the bar for women and create awareness that violence should not be accepted.

Financial wellness is multidimensional, incorporating all aspects of a person’s financial situation, including their awareness of their financial situation, goal setting to maintain or improve their current financial situation, and the capability to put these goals into action. This review explores key aspects of college student financial wellness and financial behavior including use of credit cards and student loans, financial literacy, financial stress, and financial self-efficacy. This review also incorporates new information from the multi-institutional Study on Collegiate Financial Wellness, which adds depth to understanding of college student financial wellness in unique ways. Colleges and universities can and should contribute to the ongoing development of the financial capability of the college student population. To effectively plan and implement financial wellness initiatives on campus, understanding the needs of students on our campuses and how finances influence the day-to-day lives of students is critical.

The role of financial counsellors as providers of information, support and advocacy for those in financial difficulty is a well established mechanism in the mainstream welfare landscape in Australia. In general, the role of financial counsellors is in helping people alleviate or resolve their financial difficulties through improvement of their financial literacy. It is recognised as an important component of policy responses to assist low‐income households and individuals in financial stress. The use of financial counsellors for older persons (i.e., those aged 65+ years), however, appears to be underutilised. Financial hardship and abuse of older persons within our community are becoming key issues as the population of Australia “ages”. Existing evidence also suggests that service providers alone do not have adequate skills to address these issues. This paper firstly examines the development of financial counselling in Australia. It then examines the newly emerging role of financial counselling in supporting older persons in addressing barriers to financial literacy and then in navigating the complex landscape of aged care service provision. The current financialisation, marketisation and complexities of consumer‐directed care are identified as key contextual factors. The paper will then discuss an evaluation study of the provision of financial counselling to the older person population designed to support financial hardship and navigation of the complex aged care services system. The findings of the paper are based on an evaluation of the Financial Consumer Rights Council (FCRC), Victoria: Dignity and Debt Financial Difficulty and Getting Older initiative. This pilot initiative included older persons from both community‐based and aged care residential facilities in one regional area of Victoria. The initiative, conducted over 2016, was designed to assess the effectiveness of one‐on‐one financial counselling sessions with older persons that provided consumer advocacy and information about support services and entitlements (including hardship protections) associated with ageing. The evaluation found that the provision of financial counselling to the older person population could be a key mechanism in improving overall financial literacy, avoiding periods of financial hardship and in maintaining financial well‐being, quality of life and positive ageing. Findings also demonstrated a need for an expanded outreach financial counselling model to better service older persons in more isolated living environments and/or with mobility impairments living in the community, and the potential to situate offices of financial counsellors within medical centres (a space often visited by the ageing population), to co‐situate financial health check‐ups as an overall element of health and well‐being. As such, financial counselling was viewed as well placed to support older persons in improvement of financial literacy and in supporting navigation of the increasingly complex marketised and consumer‐directed care (CDC) landscape of aged care service provision in Australia.

This research seeks to examine the impact of operational cash flow, sales growth, and operating capacity on financial distress within consumer cyclicals firms in the apparel and luxury goods sub-sector, listed on the Indonesia Stock Exchange for the period 2022–2024. This research employs a quantitative methodology utilizing an associative causal framework and secondary data derived from companies' yearly financial statements. We used SPSS software to do multiple linear regression to analyze the data. The results indicate that operating cash flow, sales growth, and operating capacity significantly influence financial distress, suggesting that enhanced cash flow production, sales performance, and asset utilization correlate with a diminished likelihood of financial difficulty. These results show that making a business better at making operating cash flow, keeping sales growth going, and using its assets more efficiently will help improve its financial situation and lower its financial stress. Descriptive data indicate that, on average, enterprises exhibit positive operating cash flow, continuous revenue growth, and an operating capacity over one, signifying operational efficiency and reasonably stable financial conditions. This study underscores the significance of proficient financial and operational management in sustaining financial stability and mitigating the risk of financial hardship in consumer cyclicals companies, especially within the apparel and luxury goods sub-sector.

The direction and magnitude of the associations between cardiovascular risk factors (CVRFs) and psychological stress continue to be debated, and no data are available from surveys in the African region. In this study, we examine the associations between CVRFs and psychological stress in the Seychelles, a rapidly developing small island state in the African region. A survey was conducted in 1,240 adults aged 25-64years representative of the Seychelles. Participants were asked to rank psychological stress that they had experienced during the past 12months in four domains: work, social life, financial situation, and environment around home. CVRFs (high blood pressure, tobacco use, alcohol drinking, and obesity) were assessed using standard procedures. Psychological stress was associated with age, sex, and socioeconomic status. Overall, there were only few consistent associations between psychological stress and CVRFs, adjusting for age, sex, and socioeconomic status. Social stress was associated with smoking, drinking, and obesity, and there were marginal associations between stress at work and drinking, and between financial stress, and smoking and drinking. Psychological stress was not associated with high blood pressure. These findings suggest that psychological stress should be considered in cardiovascular disease prevention and control strategies.

To assess the prevalence and correlates of psychological distress in a sample of remote mining and construction workers in Australia. Design, setting: A cross-sectional, anonymous Wellbeing and Lifestyle Survey at ten mining sites in South Australia and Western Australia, administered at meetings held during 2013-2015. 1124 employees at remote construction, and open cut and underground mining sites completed the survey. General psychological distress (Kessler Psychological Distress Scale, K10) and self-reported overall mental health status; work, lifestyle and family factors correlated with level of psychological distress. The final sample comprised 1124 workers; 93.5% were men, 63% were aged 25-44 years. 311 respondents (28%) had K10 scores indicating high/very high psychological distress, compared with 10.8% for Australia overall. The most frequently reported stressors were missing special events (86%), relationship problems with partners (68%), financial stress (62%), shift rosters (62%), and social isolation (60%). High psychological distress was significantly more likely in workers aged 25-34 years (v ≥ 55 years: odds ratio [OR], 3.2; P = 0.001) and workers on a 2 weeks on/1 week off roster (v 4 weeks on/1 week off: OR, 2.4; P < 0.001). Workers who were very or extremely stressed by their assigned tasks or job (OR, 6.2; P = 0.004), their current relationship (OR, 8.2; P < 0.001), or their financial situation (OR, 6.0; P < 0.001) were significantly more likely to have high/very high K10 scores than those not stressed by these factors. Workers who reported stress related to stigmatisation of mental health problems were at the greatest risk of high/very high psychological distress (v not stressed: OR, 23.5; P < 0.001). Psychological distress is significantly more prevalent in the remote mining and construction workforce than in the overall Australian population. The factors that contribute to mental ill health in these workers need to be addressed, and the stigma associated with mental health problems reduced.