Financial resilience across genders

Financial resilience refers to the ability to withstand unexpected financial stresses, such as illness, divorce, unemployment, or other unexpected life events. This data base collects responses from 951 participants, students and workers of varying ages, of which 394 (41.4%) are men, 504 (53.0%) are women, and 53 (5.6%) identified as LGBTQ+. The scale used is a composite instrument that includes the eight financial health indicators from BBVA (2020) and the Center for Financial Services Innovation (CFSI), together with the scale designed by Flores et al., (2024) on lived experiences and actions to manage financial crises. The results obtained through the Bayesian analysis indicate that perceptions, lived experiences, and actions in managing economic crises do not differ significantly between genders. The analysis suggests that there are no significant differences in financial resilience between men, women, and LGBTQ+ people, as financial health scores are similar between these groups. This supports the hypothesis that the means of financial health indicators are equal by gender. Responses are in Spanish.

金融韧性指承受意外财务压力的能力，如疾病、离婚、失业或其他意外生活事件。本数据库收集了951名参与者的回应，包括不同年龄的学生和工作者，其中男性394名（占41.4%），女性504名（占53.0%），以及53名（占5.6%）自我认同为LGBTQ+群体。所使用的量表为综合工具，包括来自西班牙BBVA（2020年）和金融服务创新中心（CFSI）的八项财务健康指标，以及Flores等人（2024年）设计的关于应对财务危机的体验和行为的量表。通过贝叶斯分析获得的结果表明，在性别之间，对经济危机的认知、生活体验和应对行为并无显著差异。分析结果表明，在男性、女性和LGBTQ+群体之间，在财务韧性方面并无显著差异，因为这些群体间的财务健康得分相似。这支持了财务健康指标均值在性别之间相等的假设。所有回应均为西班牙语。