Covid-19 has affected the global economy, influencing firm and household financial decisions worldwide. The Central Bank of the United Arab Emirates (CBUAE) released an AED 256 billion stimulus package to provide banks with sufficient capital to support economic activities and development by providing temporary relief to large corporations, small- and medium-sized enterprises, and households. New financial products have rapidly appeared, including relief packages for rent, mortgages, personal loans, credit cards, SMEs, and corporate entities. Regression analysis explores the effect of such relief packages on UAE firm and household finances. Using online survey data gathered via convenience sampling of UAE households, econometric analysis confirms that select demographic factors and financial instruments positively relate to effective financial decision-making. Our results guide policymakers on which relief packages effectively manage firm-level and household financial distress during a health pandemic.

Covid-19影响了全球经济，影响了全球公司和家庭的财务决策。阿拉伯联合酋长国中央银行（CBUAE）发布了2560亿迪拉姆的刺激方案，通过为大型公司，中小企业和家庭提供暂时救济，为银行提供足够的资金来支持经济活动和发展。新的金融产品迅速出现，包括房租，抵押，个人贷款，信用卡，中小型企业和公司实体的减免配套。回归分析探讨了此类救助方案对阿联酋公司和家庭财务的影响。使用通过阿联酋家庭便利抽样收集的在线调查数据，计量经济学分析证实，选定的人口统计学因素和金融工具与有效的财务决策有着积极的关系。我们的结果为决策者提供指导，帮助他们确定在健康大流行期间哪些救济方案可以有效地管理公司级和家庭的财务困境。