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Explaining Financial Management Behavior for Koreans Living in the United States

JOHN E. GRABLE, JOO-YUNG PARK and SO-HYUN JOO
The Journal of Consumer Affairs
Vol. 43, No. 1 (Spring 2009), pp. 80-107
Published by: Wiley
Stable URL: http://www.jstor.org/stable/23859670
Page Count: 28
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Explaining Financial Management Behavior for Koreans Living in the United States
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Abstract

Using a cross-cultural conceptualization with a targeted sample of Americans and Koreans, it was noted that Koreans exhibited more responsible financial management behavior than Americans after controlling for locus of control, financial knowledge, and income interactions. Overall, financial knowledge was positively related to responsible financial behavior. No direct effects on financial management behavior were noted for locus of control or household income. Locus of control was found to mediate the effect of financial knowledge on financial behavior for Koreans. Being Korean did moderate between financial knowledge and financial behavior.

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