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1

DETERMINANTS OF PERSONAL RISK FINANCING STRATEGIES

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Brokešová Z., Ondruška T., Pastoráková E.
Ekonomický časopis (Journal of Economics)
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2023
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vol. 71
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issue 10
579 – 595
EN
Adverse income shocks may have an eminent effect on short-term and long-term financial stability of individuals and households. Optimal response to risk exposure is driven by effectively chosen risk management strategies through combination of insurance, savings and other tools. However, individuals and households do not always make optimal decisions in these situations. The paper investigates the determinants of individuals’ decisions on the implementation of risk financing strategies. We test demographic, economic, and personal characteristics (including risk attitude and financial literacy) with the aim to identify relevant factors associated with different personal risk management behaviour. We use data from the survey in the Slovak Republic. We analyse the use of the two risk financing strategies, risk transfer and self-insurance, in coping with life and health risks of individuals. Our results show that level of financial literacy and risk attitude are important elements in personal risk management decisions, which policy-makers should also reflect on in an effort to ensure the financial stability of individuals and households.
2

RODOVÉ ROZDIELY VO FINANČNOM ROZHODOVANÍ V OBLASTI ŽIVOTNÉHO POISTENIA NA SLOVENSKU

100%
Pastoráková E., Janíková T., Brokešová Z., Ondruška T.
Ekonomický časopis (Journal of Economics)
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2013
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vol. 61
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issue 1
82 – 100
EN
The paper describes results of the research focused on the role of a gender perspective from the point of view of deciding in the life insurance. A life insurance, as a form of the future security, represents an important area of the interest in the current “risk society”. However, the determinants influencing the decision-making are vague in this area. Therefore, main goal is to analyse the influence of the gender, as one of the determinants, to decision-making process on the sample of 342 respondents in the Slovak Republic. More precisely, this study examines the attitudes of men and women to demand and consumption of the life insurance as well as the influence of the gender on individual decision-making factors. The results prove that gender does not play a role in decision-making process in the insurance industry, while in other spheres of the financial decisions does.
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