آکادمی هوش مالی | United States America (US)

Create: 2024-04-25 Update: 2024-05-15 17:51:26

🔻درآمد متغیر چطور بر تصمیم‌گیری‌های مالی اثر می‌گذارد؟
آثار منفی شغل پاره‌وقت بر میزان پس‌انداز

🔸کارگران و کارکنان با قراردادهای کار موقت یا خوداشتغالی، درآمد پیش‌بینی‌نشده و متغیر دارند. مقدار این درآمد به عوامل مختلفی بستگی دارد که ممکن است در کنترل فرد شاغل باشد یا نباشد.

🔸شاغلان پاره‌وقت امنیت مالی کمتری دارند. درآمد ماهانۀ آن‌ها، در مقایسه با شاغلان حقوق‌بگیر با ساعت‌های کاری ثابت، کمتر پیش‌بینی‌پذیر است.

🔸با مواردی مانند قرنطینۀ ناشی از همه‌گیری کرونا، بسیاری شاغلان، حتی افراد با ساعت کاری و درآمد ثابت، شوک ناگهانی درآمدی را تجربه کردند.

🔸آیا شاغلان مواجه‌شده با این شوک غیرمنتظرۀ درآمدی، پس‌انداز اضطراری برای کاهش آثار سوء این بحران را داشتند؟ آیا نوسان‌های درآمد شاغلان پاره‌وقت، آن‌ها را بر آن داشته بود تا برای روز مبادا بیشتر پس‌انداز کنند؟ پژوهشگران پژوهشی در زمینۀ آثار شوک‌های غیرمنتظره بر این دسته از شاغلان انجام دادند.

🔸نتایج این پژوهش راهکارهای عملی برای افزایش امنیت مالی این گروه از شاغلان را ارائه می‌دهد‌.

🔹ادامه را در لینک زیر بخوانید:

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@fintelligence_ir

آکادمی هوش مالی

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🔻درآمد متغیر چطور بر تصمیم‌گیری‌های مالی اثر می‌گذارد؟

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