[
Agarwal, S., He, J., Sing, T. F. and Zhang, J. 2018. Gender gap in personal bankruptcy risks: Empirical evidence from Singapore. Review of Finance 22 (2): 813–47. https://doi.org/10.1093/rof/rfw063.
]Search in Google Scholar
[
Babiarz, P., Robb, C. A. and Woodyard, A. 2012. Family decision making and resource protection adequacy. Journal of Consumer Affairs 46 (1): 1–36. https://doi.org/10.1111/j.1745-6606.2012.01224.x.
]Search in Google Scholar
[
Barasinska, N. and Schäfer, D. 2018. Gender role asymmetry and stock market participation–evidence from four European household surveys. European Journal of Finance 24 (12): 1026–46. https://doi.org/10.1080/1351847X.2017.1371622.
]Search in Google Scholar
[
Barber, B. M. and Odean, T. 2001. Boys will be boys: Gender, overconfidence, and common stock investment. Quarterly Journal of Economics 116 (1): 261–92. https://doi.org/10.1162/003355301556400.
]Search in Google Scholar
[
Baryła-Matejczuk, M., Skvarciany, V., Cwynar, A., Poleszak, W. and Cwynar, W. 2020. Link between financial management behaviours and quality of relationship and overall life satisfaction among married and cohabiting couples: Insights from application of artificial neural networks. International Journal of Environmental Research and Public Health, 17: Article 1190. https://doi.org/10.3390/ijerph17041190.
]Search in Google Scholar
[
Bernasek, A. and Bajtelsmit, V. L. 2002. Predictors of women’s involvement in household financial decision-making. Financial Counseling and Planning 13 (2): 39–47.
]Search in Google Scholar
[
Bialowolski, P., Cwynar, A. and Weziak-Bialowolska, D. 2020. Financial management, division of financial management power and financial literacy in the family context – evidence from relationship partner dyads. International Journal of Bank Marketing 38 (6): 1373–98. https://doi.org/10.1108/IJBM-01-2020-0023.
]Search in Google Scholar
[
BIG InfoMonitor. 2022. InfoDług. Ogólnopolski raport o zaległym zadłużeniu i niesolidnych dłużnikach (National report on outstanding debt and unreliable debtors). BIG InfoMonitor: Warsaw. https://media.big.pl/publikacje/727889/raport-infodlug-w-rok-ubylo-prawie-9-mld-zl-zaleglosci-i-ponad-143-tys-niesolidnych-dluznikow (accessed March 4, 2022).
]Search in Google Scholar
[
Bucher-Koenen, T., Lusardi, A., Alessie, R. and van Rooij, M. 2017. How financially literate are women? An overview and new insights. Journal of Consumer Affairs 51 (2): 255–83. https://doi.org/10.1111/joca.12121.
]Search in Google Scholar
[
Byrnes, J. P., Miller, D. C. and Schafer, W. D. 1999. Gender differences in risk taking: A meta-analysis. Psychological Bulletin 125 (3): 367–83. https://doi.org/10.1037/0033-2909.125.3.367.
]Search in Google Scholar
[
Cwynar, A. 2020. Financial literacy, behaviour and well being of Millennials in Poland compared to previous generations: The insights from three large scale surveys. Review of Economic Perspectives 20 (3): 289–335. https://doi.org/10.2478/revecp-2020-0015.
]Search in Google Scholar
[
Dew, J. and Xiao, J. J. 2011. The Financial Management Behavior Scale: Development and validation. Journal of Financial Counseling and Planning 22 (1): 43–59.
]Search in Google Scholar
[
Dewey, J. 1938. Experience and Education. New York, NY: Kappa Delta Pi.
]Search in Google Scholar
[
Fisher, P. J., Hayhoe, C. and Lown, J. 2015. Gender differences in saving behaviors among low- to moderate-income households. Financial Services Review 24 (1): 1–13.
]Search in Google Scholar
[
Friedberg, L., and Webb, A. 2006. Determinants and consequences of bargaining power in households. Working Paper No. 12367. National Bureau of Economic Research: Cambridge, MA. https://doi.org/10.3386/w12367.
]Search in Google Scholar
[
Henager, R. and Cude, B. J. 2016. Financial literacy and long- and short-term financial behavior in different age groups. Journal of Financial Counseling and Planning 27 (1): 3–19. https://doi.org/10.1891/1052-3073.27.1.3.
]Search in Google Scholar
[
Hilgert, M. A., Hogarth, J. M. and Beverly, S. G. 2003. Household financial management: The connection between knowledge and behavior. Federal Reserve Bulletin July: 309–22.
]Search in Google Scholar
[
Hitczenko, M. 2016. The influence of gender and income on the household division of financial responsibility. Working Paper No. 16–20. Federal Reserve Bank of Boston: Boston, MA.
]Search in Google Scholar
[
Hofstede, G. (2021). The 6-D Model. Hofstede Insights web-site. https://www.hofstede-insights.com (accessed February 21, 2022).
]Search in Google Scholar
[
Hsu, J. W. 2016. Aging and strategic learning: The impact of spousal incentives on financial literacy. Journal of Human Resources 51 (4): 1036–67. https://doi.org/10.3368/jhr.51.4.1014-6712R.
]Search in Google Scholar
[
Jappelli, T. and Padula, M. 2013. Investment in financial literacy and saving decisions. Journal of Banking and Finance 37 (8): 2779–92. https://doi.org/10.1016/j.jbankfin.2013.03.019.
]Search in Google Scholar
[
Johnston, D. W., Kassenboehmer, S. C. and Shields, M. A. 2015. Who makes the financial decisions? Intra-household evidence from panel data. Working Paper No. 2015–06. CSIRO-Monash University: Melbourne.
]Search in Google Scholar
[
Kamleitner, B., Hoelzl, E. and Kirchler, E. 2012. Credit use: Psychological perspectives on a multifaceted phenomenon. International Journal of Psychology: Journal International de Psychologie 47 (1): 1–27. https://doi.org/10.1080/00207594.2011.628674.
]Search in Google Scholar
[
Kamleitner, B., Mengay, T. and Kirchler, E. 2017. Financial decisions in the household. In Handbook of behavioral economics and smart decision-making edited by Morris Altman, 349–65. Cheltenham: Edward Elgar Publishing.10.4337/9781782549598.00030
]Search in Google Scholar
[
Kim, J., Gutter, M. S. and Spangler, T. 2017. Review of family financial decision making: Suggestions for future research and implications for financial education. Journal of Financial Counseling and Planning 28 (2): 253–67. https://doi.org/10.1891/1052-3073.28.2.253.
]Search in Google Scholar
[
Kolb, D. A. 1984. Experiential learning: Experience as the source of learning and development. Englewood Cliffs, NJ: Prentice-Hall.
]Search in Google Scholar
[
Korniotis, G. M. and Kumar, A. 2011. Do older investors make better investment decisions? Review of Economics and Statistics 93 (1): 244–65. https://doi.org/10.1162/REST_a_00053.
]Search in Google Scholar
[
KRD Economic Information Bureau. 2017. 6 miliardów długów na wsi (6 billion in rural debt). KRD Economic Information Bureau: Wrocław. https://krd.pl/centrumprasowe/informacje-prasowe/2017/6-miliardow-dlugow-na-wsi (accessed March 4, 2022).
]Search in Google Scholar
[
KRD Economic Information Bureau. 2018. Dlaczego Polacy się zadłużają (Why do Poles get into debt). KRD Economic Information Bureau: Wrocław.
]Search in Google Scholar
[
L’Esperance, M. 2020. Does responsibility for financial tasks influence credit knowledge and behavior?: Evidence from a panel of US couples. Journal of Family and Economic Issues 41 (5): 377–87. https://doi.org/10.1007/s10834-019-09641-3.
]Search in Google Scholar
[
Lind, T., Ahmed, A., Skagerlund, K., Strömbäck, C., Västfjäll, D. and Tinghög, G. 2020. Competence, confidence, and gender: The role of objective and subjective financial knowledge in household finance. Journal of Family and Economic Issues 41 (2): 626–38. https://doi.org/10.1007/s10834-020-09678-9.
]Search in Google Scholar
[
Lusardi, A., Michaud, P.-C. and Mitchell, O. S. 2017. Optimal financial knowledge and wealth inequality. Journal of Political Economy 125 (2): 431–77. https://doi.org/10.1086/690950.
]Search in Google Scholar
[
Lyons, A., Neelakantan, U., Fava, A. and Scherpf, E. 2007. For better or worse: Financial decision-making behavior of married couples. Working Paper No. 2007-WP-14. Indiana State University: Terre Haute.10.2139/ssrn.985894
]Search in Google Scholar
[
Mader, K. and Schneebaum, A. 2013. The gendered nature of intra-household decision making in and across Europe. Working Paper No. 157. Vienna University of Economics and Business: Vienna.
]Search in Google Scholar
[
Manser, M. and Brown, M. 1980. Marriage and household decision-making: A bargaining analysis. International Economic Review 21 (1): 31–44.10.2307/2526238
]Search in Google Scholar
[
McElroy, M. B. and Horney, M. J. 1981. Nash-bargained household decisions: Towards a generalization of the theory of demand. International Economic Review 22 (2): 333–49.10.2307/2526280
]Search in Google Scholar
[
Meyll, T. and Pauls, T. 2019. The gender gap in over-indebtedness. Finance Research Letters 31 (C). https://doi.org/10.1016/j.frl.2018.12.007.
]Search in Google Scholar
[
Nash, Jr. J. F. 1950. The bargaining problem. Econometrica: Journal of the Econometric Society 18 (2): 155–62.10.2307/1907266
]Search in Google Scholar
[
Nitani, M., Riding, A. and Orser, B. 2020. Self-employment, gender, financial knowledge, and high-cost borrowing. Journal of Small Business Management 58 (4): 669–706. https://doi.org/10.1080/00472778.2019.1659685.
]Search in Google Scholar
[
OECD. 2020. OECD/INFE 2020 International survey of adult financial literacy. Organisation for Economic Cooperation and Development: Paris. https://www.oecd.org/financial/education/oecd-infe-2020-international-survey-of-adult-financial-literacy.pdf (accessed March 3, 2022).
]Search in Google Scholar
[
Ooi, E. 2020. Give mind to the gap: Measuring gender differences in financial knowledge. Journal of Consumer Affairs 54 (3): 931–50. https://doi.org/10.1111/joca.12310.
]Search in Google Scholar
[
Osamor, P. E. and Grady, C. 2018. Autonomy and couples’ joint decision-making in healthcare. BMC Medical Ethics 19: Article 3. https://doi.org/10.1186/s12910-017-0241-6.
]Search in Google Scholar
[
Pahl, J. 1989. Money and Marriage. London: Macmillan.10.1007/978-1-349-20268-3
]Search in Google Scholar
[
Polish Bank Association. 2017. Raport ZBP InfoKREDYTEdycja II. Polish Bank Association: Warsaw.
]Search in Google Scholar
[
Polish Bank Association. 2019. Raport ZBP InfoKREDYTEdycja V. Polish Bank Association: Warsaw
]Search in Google Scholar
[
Rudeloff, M., Brahm, T., and Pumptow, M. 2019. Does gender matter for the use of learning opportunities? Potential explanation for the gender gap in financial literacy. Citizenship, Social and Economics Education 18 (3): 128–142. https://doi.org/10.1177/2047173419892208.
]Search in Google Scholar
[
Sholevar, M., and Harris, L. 2020. Women are invisible?! A literature survey on gender gap and financial training. Citizenship, Social and Economics Education 19 (2): 87–99. https://doi.org/10.1177/2047173420922501.
]Search in Google Scholar
[
Skogrand, L., Johnson, A. C., Horrocks, A. M. and DeFrain, J. 2011. Financial management practices of couples with great marriages. Journal of Family and Economic Issues 32 (1): 27–35. https://doi.org/10.1007/s10834-010-9195-2.
]Search in Google Scholar
[
Spuhler, B. K. and Dew, J. 2019. Sound financial management and happiness: Economic pressure and relationship satisfaction as mediators. Journal of Financial Counseling and Planning 30 (2): 157–74. https://doi.org/10.1891/1052-3073.30.2.157.
]Search in Google Scholar
[
Stolper, O. A. and Walter, A. 2017. Financial literacy, financial advice, and financial behavior. Journal of Business Economics 87 (5): 581–643. https://doi.org/10.1007/s11573-017-0853-9.
]Search in Google Scholar
[
Strömbäck, C., Skagerlund, K. Västfjäll, D. and Tinghög, G. 2020. Subjective self-control but not objective measures of executive functions predicts financial behavior and well-being. Journal of Behavioral and Experimental Finance 27: Article 100339. https://doi.org/10.1016/j.jbef.2020.100339.
]Search in Google Scholar
[
Van Raaij, W. F., Antonides, G. and de Groot, I. M. 2020. The benefits of joint and separate financial management of couples. Journal of Economic Psychology 80: Article 102313. https://doi.org/10.1016/j.joep.2020.102313.
]Search in Google Scholar
[
Veiga, R. T., Avelar, C. Moura, L. R. C. and Higuchi, A. K. 2019. Validation of scales to research the personal financial management. Revista Brasileira de Gestao de Negocios 21 (2): 332–48. https://doi.org/10.7819/rbgn.v21i2.3976.
]Search in Google Scholar
[
Vogler, C. and Pahl, J. 1994. Money, power and inequality within marriage. The Sociological Review 42 (2): 263–88. https://doi.org/10.1111/j.1467-954X.1994.tb00090.x.
]Search in Google Scholar
[
Ward, A. and Lynch, J. 2019. On a need-to-know basis: How the distribution of responsibility between couples shapes financial literacy and financial outcomes. Journal of Consumer Research 45 (5): 1013–36. https://doi.org/doi.org/10.1093/jcr/ucy037.10.1093/jcr/ucy037
]Search in Google Scholar
[
Warmath, D., Piehlmaier, D. and Robb, C. 2019. The impact of shared financial decision making on overconfidence for married adults. Financial Planning Review 2 (1): e1032. https://doi.org/10.1002/cfp2.1032.
]Search in Google Scholar
[
Warmath, D. and Zimmerman, D. 2019. Financial literacy as more than knowledge: The development of a formative scale through the lens of Bloom’s domains of knowledge. Journal of Consumer Affairs 53 (4): 1602–29. https://doi.org/10.1111/joca.12286.
]Search in Google Scholar
[
Wenger, D. M. 1986. Transactive memory: A contemporary analysis of the group mind. In Theories of group behavior edited by Brian Mullen and George R. Goethals, 185–208. New York: Springer-Verlag.10.1007/978-1-4612-4634-3_9
]Search in Google Scholar
| 23 juin 2022