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How does risk perception affects attitudes toward risk? An empirical work in Mozambique context
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Orientador(es)
Resumo(s)
O objetivo principal deste trabalho é inferir uma relação entre as atitudes perante o risco e a percepção de risco. Os dados foram recolhidos através de um questionário de duas partes que foi aplicado a 164 estudantes universitários em Moçambique. Os principais dados utilizados derivaram de uma escala DOSPERT de 65 itens, especialmente construída para ser aplicada em Moçambique encurtada através de uma análise factorial confirmatória. A escala final utilizada foi uma escala de 30 itens dividida por 6 subdomínios de risco. Essa escala apresentou resultados interessantes nas métricas escolhidas de três domínios avaliados: Unidimensionalidade; Confiabilidade e Validade. Adicionamente, foi aplicado a teoria da utilidade a uma amostra de 72 indivíduos. O questionário permite uma comparação entre duas técnicas de atitudes perante o risco: (1) Escala DOSPERT; (2) Teoria esperada da utilidade. Usando as métricas DOSPERT, foi possível realizar uma análise de regressão, regredindo benefícios esperados e percepção de risco como variáveis independentes e atitude perante o risco como variável dependente. Para a percepção de risco, os resultados mostraram uma relação negativa com as atitudes em relação ao risco para todos os subdomínios de risco, exceto Saúde / Segurança, sendo estaticamente significativo para os subdomínios de risco Financeiro /Aposta, Ético e Recreativo. Usando a teoria da utilidade, foi possível calcular a curvatura da função de utilidade (alpha). Além disso, e realizando a mesma regressão, mas usando alpha obteve-se para resultados fracos. Os resultados contribuem para a hipótese de que as métricas DOSPERT e as métricas da utilidade medem diferentes coisas.
The main purpose of this work it to infer a relationship between attitudes toward risk and risk perception. The data was collected via a two-part questionnaire and applied to 164 graduate students in Mozambique. The main data used derived from a 65-item DOSPERT scale, especially constructed to be applied in Mozambique, which was shortened via a Confirmatory Factor Analysis. The final scale was a 30-item scale divided by 6 sub-domains of risk. This scale presented interesting results in the chosen metrics of three domains evaluated: Unidimensionality; Reliability; Validity. The final scale should be fined tuned for future research purposes and was prepared to be applied to similar cultural contexts. Additionally, it was applied utility theory to 72 individuals. The questionnaire allows a comparison between two measures of attitudes toward risk (1) DOSPERT Scale; (2) Expected Utility Theory. Using the DOSPERT metrics, it was possible to perform a regression analysis, regressing expected benefits and risk perception as independent variables and attitudes toward risk as dependent variable. The results help to answer the proposed research question. For risk perception, results showed a negative relationship with attitudes toward risk for all sub-domains of risk except Health/Safety, being statically significant for the Financial/Gambling, Ethical and Recreational sub-domains of risk. Using utility theory, it was possible to the curvature of the utility function (alpha). Moreover, and performing the same regression but using alpha the lead to poor results. The results contribute to hypothesize that the DOSPERT metrics and the utility metrics measure different things.
The main purpose of this work it to infer a relationship between attitudes toward risk and risk perception. The data was collected via a two-part questionnaire and applied to 164 graduate students in Mozambique. The main data used derived from a 65-item DOSPERT scale, especially constructed to be applied in Mozambique, which was shortened via a Confirmatory Factor Analysis. The final scale was a 30-item scale divided by 6 sub-domains of risk. This scale presented interesting results in the chosen metrics of three domains evaluated: Unidimensionality; Reliability; Validity. The final scale should be fined tuned for future research purposes and was prepared to be applied to similar cultural contexts. Additionally, it was applied utility theory to 72 individuals. The questionnaire allows a comparison between two measures of attitudes toward risk (1) DOSPERT Scale; (2) Expected Utility Theory. Using the DOSPERT metrics, it was possible to perform a regression analysis, regressing expected benefits and risk perception as independent variables and attitudes toward risk as dependent variable. The results help to answer the proposed research question. For risk perception, results showed a negative relationship with attitudes toward risk for all sub-domains of risk except Health/Safety, being statically significant for the Financial/Gambling, Ethical and Recreational sub-domains of risk. Using utility theory, it was possible to the curvature of the utility function (alpha). Moreover, and performing the same regression but using alpha the lead to poor results. The results contribute to hypothesize that the DOSPERT metrics and the utility metrics measure different things.
Descrição
Mestrado em Finanças
Palavras-chave
Percepção de risco Atitudes de Risco Análise fatorial confirmatória DOSPERT Utilidade Risk Perception Risk Attitudes Confirmatory factor analysis Utility
Contexto Educativo
Citação
Chapado, Miguel Ângelo de Oliveira Pereira Nunes (2017). "How does risk perception affects attitudes toward risk? An empirical work in Mozambique context". Dissertação de Mestrado, Universidade de Lisboa. Instituto Superior de Economia e Gestão.
Editora
Instituto Superior de Economia e Gestão