• Journal of Distribution Science
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• v.20 no.11
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• pp.1-9
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• 2022

Purpose: This study determines the effect of spending distribution, namely experiential, impulsive, self-expressive, prosocial, and conspicuous spending, on the financial well-being of young working women in Malaysia. Research design, data and methodology: This study employed a quantitative and deductive approach. A sample of 400 young working women was selected using a systematic sampling technique. Data were collected using a self-administered questionnaire and analysed using Structural Equation Modelling (CB-SEM). Results: The findings revealed prosocial and impulsive spending as the significant spending distribution to affect financial well-being. The effect of prosocial spending is positive on financial well-being, while the effect of impulsive spending is a negative predictor of financial well-being. All other spending distribution - experiential, self-expressive, and conspicuous spending - do not have a significant effect on financial well-being. Conclusion: To achieve financial well-being, young working women need to distribute the spending budget for the happiness of others and reduce impulse buying. The findings provide useful insights on the significant role of spending distribution in influencing, how to fuel young working women to develop good spending habits that consequently improve their financial well-being, for themselves and Malaysian economics, as well as the plausible solution to overcome financial problems and high indebtedness.

• Journal of Families and Better Life
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• v.23 no.5 s.77
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• pp.103-122
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• 2005

The purpose of this study was to examine the influences of their money attitudes to spending behaviors of middle, high, and college students. The total number of students selected for this study were 1,252. Factor analysis, Cronbach' ${\alpha}$, two-way ANOVA, Duncan' multiple range test, Pearson correlation analysis, and multiple regression were used for statistical analysis. The results were summarized as followings: 1) The tendency of attitude that money is good was highest. Also, the tendency of attitude that money represents freedom and power was slightly high. On the other hand the attitudes that money represents achievement, and that money is evil were low. Especially the attitude that money represents respect was lowest. 2) Resulting from two-way ANOVA, the attitudes that money is good and represents achievement showed significant interaction effects between sex and age. The altitude that money is good showed significant differences by sex especially among middle and high school students. The altitude that money represents achievement showed significant differences by age among the male students. Three types of attitudes that money is evil, money represents respect, and money represents both freedom and power showed significant main effects in different age groups. Also the attitude that money represents freedom and power showed significant main effect by different sexes. 3) Four different types of measuring spending behaviors scored slightly low mark. 4) Resulting from two-way ANOVA, four different spending behaviors showed significant difference only by sexes and ages. Planned spalding behavior and conscious spending behavior showed significant differences in ages and sexes separately. While impulsive spending behavior by different age groups resulted in significant differences. Excessive spending behavior by sexes resulted in significant differences. 5) Regression analysis showed that planned spending behavior had the linear relationships in no, sex, self-esteem, and attitude that money is good. Conscious spending behavior had the linear relationships in ses, and attitudes that money represent achievement. respect, and freedom. Impulsive spending behavior had the linear relationships in age, self-esteem, and attitudes that money is good and that money is evil, and attitude that money represent freedom, Excessive spending behavior had the linear relationships in sex, self-esteem, and attitudes that money represent achievement, respect and freedom.

• The Journal of Asian Finance, Economics and Business
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• v.9 no.2
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• pp.355-361
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• 2022

The goal of the study was to see how polymer banknotes affected users' purchasing intention. Variables affecting the properties of polymer banknotes were considered, including security, ease of use, convenience, and durability. To achieve the study's main goal, quantitative methods were used, and a questionnaire was created and posted online through Google Forms to collect primary data. The questionnaire was completed by 403 people, and the data was screened and analyzed using SPSS.The study found that using Polymer money influenced people's behavior, particularly in terms of purchase patterns, decisions, and impulsive behavior toward purchases. This was attributed to the security and simplicity of using Polymer money, which appealed to many people. Furthermore, the study found that people lost their feeling of spending, meaning that using polymer money didn't feel like spending to them, effectively eliminating the moral guilt associated with excessive spending and encouraging more impulsive buying decisions.Based on the findings, the study recommends that a study be conducted to compare the use of Polymer money with tiny and large banknotes to see what kind of difference there is.

• Journal of Families and Better Life
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• v.24 no.2 s.80
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• pp.73-92
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• 2006

This paper investigates the causal relationships between financial attitudes, spending behaviors and the financial satisfaction of adolescent consumers. The study used Cronbach' $\alpha$, t-test, one-way ANOVA, Duncan's multiple range test, multiple regression and path analysis for statistical analysis and applied it to 1,252 questionnaires. The results are summarized as follows: Path analysis revealed that the financial satisfaction of adolescents had a direct linear relationship with variables such as grade, sex, financial attitudes. (financial situation compared to past and financial situation compared to others) and types of spending behaviors (planned, conspicuous and excessive). Planned spending behavior was the most influential variable on financial satisfaction. Planned spending behavior had positive linear relationship with the attitude toward the past financial situation. Conspicuous spending behavior had positive linear relationships with the attitudes toward the past financial situation and the financial situation compared to others. However, it showed negative relationship with the attitude toward a future financial situation. Impulsive spending behavior had a positive relationship with the attitude toward others' financial situation. Excessive spending had a positive relationship with the attitude toward a past financial situation but showed a negative relationship to the attitude toward others' financial situation.

• Fashion & Textile Research Journal
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• v.5 no.5
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• pp.495-502
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• 2003

This study aims to investigate the relationships among sensation seeking tendency and shopping orientation and the preferences of fashion styles of female college students. The sensation seeking was found related with shopping orientation, and style preference. 'Seeking change' tendency and 'seeking unusual sensation' are related to 'hedonic shopping orientation', while 'seeking adventure/satisfying curiosity' is related to 'impulsive shopping orientation'. As 'seeking adventure/satisfying curiosity' increased, the preference of 'vivid character style' increased. The cross-effect of seeking sensation and shopping orientation affected style preference. Allowance and residential location affected the seeking sensation, shopping orientation and preference styles, while monthly spending on clothing and residential type affected shopping orientation only. The students with large allowance showed high 'seeking adventure/satisfying curiosity', high 'brand loyalty and impulsive' shopping orientation, and high preference in 'accessory and conspicuous style'. The students residing in Inchon showed high 'seeking unusual sensation', and 'practical shopping orientation', and low 'accessory and conspicuous style' than Seoul students.

• Fashion & Textile Research Journal
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• v.15 no.5
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• pp.743-752
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• 2013

Consumers can share their diverse opinions about products due to the increased popularity of smartphones and the internet that enables increased access to the websites and encourages the use of 'SNS' (Social Network Services). Social commerce has expanded rapidly as a mainstream online shopping channel over the past year, compelling consumers to spend more money vis-$\grave{a}$-vis social commerce websites. This allows individuals to see different lists of prices for specific products; however, it is also likely to lead to serious compulsive buying. Despite these changing trends, earlier studies have been limited to factors that affect impulse purchases vis-$\grave{a}$-vis Internet shopping malls; therefore, in is salient to conduct research on consumer spending habits related to social commerce websites. This study describes the characteristics of consumers and utilizes social commerce websites as parameters for the impact of impulsive shopping based on a survey of 300 women in their 20's who have experienced impulse buying vis-$\grave{a}$-vis social commerce websites. This study shows that: First, discounts, product scarcity and social commerce site's reputation affect impulse buying when consumers buy products from the social commerce websites. Second, variables on the characteristics of the personal experiences, interests, and self-control also stimulate impulsive purchases.

• Fashion & Textile Research Journal
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• v.17 no.4
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• pp.561-573
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• 2015

The influence of tourists on the retail market in Korea continues to grow, and China has become the largest outbound-spending nation in the world. Korea's retail industry must comprehend the sophisticated consumption behavior of Chinese tourists. Hence, we explored how the experiential value of shopping in Korea affected Chinese tourists' satisfaction levels regarding stores and products. Findings from this study suggest entertainment and escapism mediate the effect of experiential value on consumer attitudes toward products and stores. This research was conducted with Chinese female tourists who shopped in Korea during their latest visit to this country. CFA and SEM were implemented using AMOS 20.0. The analysis of survey data produced interesting results. Visual appeal, crowding, and service excellence had positive impacts on entertainment, and they had a positive influence on both store satisfaction and product satisfaction. Regarding escapism, crowding and economic benefits had positive impacts, whereas visual appeal and service excellence had no effects. Results showed that escapism had a negative influence on attitudes toward both products and stores. To be clear, escapism refers to the status of absorption by which consumers are highly occupied with pleasant feelings, therefore, shopping when the motive of escapism is high is likely to be less rational and more impulsive. In this study, the diverse roles of different emotions associated with entertainment and escapism in the context of tourism shopping were identified. The findings provide practical implications for developing retail strategies and highlight the importance of the experiential values of shopping for tourists.

• The Journal of Natural Sciences
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• v.9 no.1
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• pp.131-143
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• 1997

The authors studied clothing buying motive and clothing buying behavior. The date were obtained from 352 women college students living in Seoul and Taejon. As the result of factor analysis. four buying motive factors were found: fashion and individuality, economy, status, advertising and impulsive buying. Three buying behaviors(information using, clothing selection standard, and shop selection standard) were factor analyzed. Three factors were founded in information using: human, electric wave communication, advertising and observation factors. Four factors were found in clothing selection standard: utility, design, marketing, fashion and status. Two factors were found in shop selection standard: merchandise and service. Clothing buying motive and clothing buying behavior were related, and they were different according to the levels of spending money and major in college.

• Journal of Distribution Science
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• v.16 no.9
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• pp.59-63
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• 2018

Purpose - It has already been proved that 'mood' as the physical environment of shopping affects consumers' main sensory channels such as sight, hearing, smell, touch. However, there is no consensus on how the olfactory cue influences the customers in the shopping environment. In this study, we examine the previous studies on how the olfactory cue affects the customers in the shopping environment and present a clear direction as a suggestion for progressive research. Research design, data, and methodology - It is not important to use a lot of unconditional fragrance, but it should be exposed to the environment that suits the proper fragrance. In recent years, meaningful research on store fragrance has been slowly increasing. As a result, studies on the fragrance effects of retail stores have been conducted to verify the relevance of fragrance suitability in stores and consumer spending scale. Results - The fragrance appropriate for each store can not be uniformly specified as any fragrance. This is because external variables such as time, season, temperature, lighting, density of shoppers, and music in the store also affect customer evaluation. For example, using an unsuitable fragrance may encourage customers to leave the store quickly by restraining impulsive purchases or by disturbing concentration. The store manager should also be interested in using fragrances that are proven and effective in the store environment, but they should also have the ability to easily manipulate and manage the fragrances very appropriately according to changes in the store environment. Store managers should observe consumer preferences and responses according to their goals and strategies, and then systematically manage and store information about the fragrance appropriate to the store. Conclusions - In the future, the fragrance marketing researcher needs to consider the spatial form and density of the customer. In practice, managers operating a retail store should check the most appropriate store density(congestion) according to the size and spatial characteristics of the store and maintain the ideal conditions. To do this, it is necessary to pay attention to how to select and control sensory elements such as fragrance(olfactory), music(auditory), and lighting(visual).