Purpose

The purpose of this paper is to investigate the current state of research on Personal Financial Management Behavior (PFMB), with a prime focus on its antecedents and the consequences. By analyzing the research trends, methods, determinants and outcomes, the PFMB literature is synthesized, and agenda for future research is suggested. A framework is presented that portrays PFMB's antecedents and consequences and further specification of the mediation and moderation linkages.

Design/methodology/approach

The review is based on 160 articles published during 1970–2020. It follows a systematic approach and presents the definitions and theories of PFMB, publication trends based on time, region, sample population, research designs, data collection and analysis techniques, along with antecedents and outcomes through content analysis.

Findings

The synthesis draws upon various factors affecting PFMB, such as demographics, socio-economic, psychological, social, cultural, financial experience, financial literacy (FL) and technological factors. The prominent outcomes of PFMB include financial satisfaction, relationship satisfaction, quality of life, financial success, happiness, financial vulnerability/resilience and financial well-being. The future research agenda sums up the recommendations in the form of research questions on variables and their linkages, followed by methodological advancements.

Originality/value

This paper covers the scholarly work done in this area in the past 51 years. To the best of authors' knowledge, this is the first attempt to offer a most comprehensive and collective scholarship of this subject. It further gives an extensive future research agenda.

中文翻译：

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个人财务管理行为的前因后果：系统文献综述和未来研究议程

目的

本文的目的是调查个人财务管理行为 (PFMB) 的研究现状，主要关注其前因和后果。通过分析研究趋势、方法、决定因素和结果，综合了 PFMB 文献，并提出了未来研究的议程。提出了一个框架，描绘了 PFMB 的前因和后果以及调解和调节联系的进一步规范。

设计/方法/方法

该评论基于 1970-2020 年发表的 160 篇文章。它遵循系统的方法，通过内容分析介绍 PFMB 的定义和理论、基于时间、地区、样本人群、研究设计、数据收集和分析技术的出版趋势以及前因和结果。

发现

该综合利用了影响 PFMB 的各种因素，例如人口统计、社会经济、心理、社会、文化、金融经验、金融知识 (FL) 和技术因素。PFMB 的突出成果包括财务满意度、人际关系满意度、生活质量、财务成功、幸福感、财务脆弱性/弹性和财务福祉。未来的研究议程以关于变量及其联系的研究问题的形式总结了建议，然后是方法论的进步。

原创性/价值

本文涵盖了过去 51 年来在该领域所做的学术工作。据作者所知，这是第一次尝试提供有关该主题的最全面和集体的奖学金。它进一步给出了广泛的未来研究议程。