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Gender and the coordinated management of meaning in women's perception of finance.

机译：性别和妇女对金融的看法中意义的协调管理。

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摘要

This study used standpoint feminism and the theory of coordinated management of meaning as theoretical foundations to explore the ways in which women co-create and co-maintain meanings of finance within their lived experiences. By reconciling standpoint feminism with its Marxist roots, standpoint feminism provided a lens in which women’s lives can be examined through their narratives about financial engagement and meanings. The theory of coordinated management of meaning provided six levels of abstraction to aid in the examination of rules and roles which constrain/restrain or empower women with regard to their financial lives.;Thirty face-to-face interviews using feminist interviewing techniques were conducted over a period of two months with women from various age group, marital status, race, educational level and income level. The data collected was analyzed and interpreted using NVivo, a computer software program, during the initial coding and sorting stages and subsequently, manual coding was used to uncover themes within the findings.;Findings from this study indicated that there are five contracts (relationships) which are significant to women’s construction of financial knowledge: significant other, parent(s), immediate family (including siblings and grandparents), professionals and friends (close friends and coworkers). Out of these five relationships, contracts with the significant other were cited by 28 of the participants as the one relationship which had the most involvement in shaping participants’ financial engagement.;The episodes in women’s lives which were most influential in shaping their financial management style were childhood memories related to money matters, unexpected expenses during their lives and life-altering situations. These episodes were especially vivid in the respondents’ minds and often caused a change in the ways they manage their finances after the episodes occurred.;Women form life-scripts for communicating financial information based on a combination of contracts and episodes in their lives. Findings from this study indicated that women’s life-scripts were dynamic and adjusted frequently depending on the relationship and past experiences they had with the other person.;Along with life-scripts, the Teacher/Guide, Gambler/Speculator, Apprentice and Mother/Nurturer archetypes were also featured prominently through participants’ narratives and influenced the ways in which roles were played out in women’s financial lives.;This study also shed light on the financial challenges unique to women’s lived experiences. First of all, ”financial freedom” was a contested term for participants. Second, financial security had contested meanings within women’s lives. Third, the role of women as mother/nurturer created financial tensions within women’s lives. Fourth, women who want to learn about finances often found themselves having a lack of financial vocabulary to articulate their financial concerns.;The findings of this study contribute to both standpoint feminism and the theory of coordinated management of meaning in various ways.;Also, this study contributed to the theory of coordinated management of meaning (CMM) by showing that individuals are able to co-create and co-maintain meanings even in the absence of a shared content.;This study also proposed that financial communication should become an area of concentration within the field of communication because discussions of financial engagement and practices were prevalent issues.;Finally, this study offered several practical implications to financial educators, the financial marketing industry and financial literacy programs. Firstly, there should be financial literacy programs targeting women of younger age groups because this study found that women began to learn about financial practices as early as during their childhood. Secondly, since parents were most influential during children’s childhood in terms of imparting financial knowledge, there should be programs aimed at helping parents communicate positive financial practices to their children. In addition, it might be worthwhile to formulate financial literacy programs where both parents and their children can participate together. Besides suggestions for financial educators and financial literacy programs, this study also provided valuable clues for financial professionals. Women in this study were more trusting of financial professionals who had a non-financial relationship with them in addition to being their financial adviser. Thus, financial professionals should try to increase their visibility and credibility within their local communities in the interest of increasing their business opportunities. Lastly, this study also indicated that women tend to perceive financial advisers whom they have no personal relationship with as being mercenary and high-risk gamblers. The financial industry should try to correct their image of financial advisers and also consider revising payment options such that the adviser’s fees are not tied to the amount of investment of his/her client. (Abstract shortened by UMI.).
机译：这项研究以立场女性主义和意义协调管理理论为理论基础，探讨了妇女在其生活经历中共同创造和共同维持金融意义的方式。通过将立场女权主义与马克思主义的根源进行协调，立场女权主义提供了一个视角，可以通过她们关于财务投入和意义的叙述来考察妇女的生活。意义的协调管理理论提供了六个抽象层次，以帮助检查规则/角色，以约束/约束或赋予妇女经济生活权。；使用女权主义访谈技术进行了三十次面对面访谈。为期两个月的妇女，她们来自各个年龄段，婚姻状况，种族，教育水平和收入水平。在最初的编码和排序阶段，使用计算机软件NVivo对收集到的数据进行了分析和解释，随后，使用手动编码发现了调查结果中的主题。该研究的结果表明有五个合同（关系）这些对妇女的财务知识的建设很重要：重要的其他人，父母，直系亲属（包括兄弟姐妹和祖父母），专业人士和朋友（亲密的朋友和同事）。在这五种关系中，与重要的另一方之间的合同被28个参与者认为是最参与塑造参与者财务投入的一种关系;;女性生活中的事件对塑造她们的财务管理风格影响最大是与金钱，童年生活中不可预期的支出以及改变生活状况有关的童年记忆。这些事件在受访者的脑海中尤为生动，并常常在事件发生后改变他们的财务管理方式。妇女根据生活中的合同和事件形成了生活脚本，用于传达财务信息。这项研究的结果表明，女性的生活脚本是动态的，并经常根据与他人的关系和过去的经验进行调整。;在生活脚本中，教师/指南，赌徒/投机者，学徒和母亲/养育者原型也通过参与者的叙述而突出突出，并影响了女性财务生活中扮演角色的方式。这项研究还揭示了女性生活经历特有的财务挑战。首先，“财务自由”对于参与者是一个有争议的术语。其次，金融安全对女性生活中的意义提出了质疑。第三，妇女作为母亲/养育人的角色在妇女的生活中造成了财务上的紧张关系。第四，想要学习金融的女性经常发现自己缺乏表达金融问题的金融词汇。本研究的发现有助于立场女性主义和以各种方式协调意义管理的理论。这项研究通过显示个人即使在没有共享内容的情况下也能够共同创造和共同维持意义，为意义协调管理理论（CMM）的发展做出了贡献。因为对金融参与和实践的讨论是普遍存在的问题，所以人们对通信领域的注意力集中。；最后，这项研究为金融教育者，金融营销行业和金融素养计划提供了一些实际意义。首先，应该有针对年轻女性的金融知识计划，因为这项研究发现，女性早在童年时期就开始学习金融实践。其次，由于父母在孩子的童年时期在传授金融知识方面最有影响力，因此应该制定旨在帮助父母与子女沟通积极的金融惯例的计划。此外，可能值得制定父母和子女可以共同参与的金融扫盲计划。除了为金融教育者和金融知识计划提供建议外，本研究还为金融专业人士提供了宝贵的线索。这项研究中的女性除了是财务顾问外，还更信任与她们有非财务关系的金融专业人士。因此，金融专业人员应设法增加其在当地社区中的知名度和信誉，以增加商机。最后，这项研究还表明，女性倾向于将与自己没有私人关系的理财顾问视为雇佣军和高风险赌徒。金融业应尝试纠正其财务顾问的形象，并考虑修改付款方式，以使顾问的费用不与其客户的投资额挂钩。 （摘要由UMI缩短。）。

著录项

  • 作者

    Tan, Jasmine E.;

  • 作者单位

    Purdue University.;

  • 授予单位 Purdue University.;
  • 学科 Womens Studies.;Gender Studies.;Speech Communication.;Economics Finance.
  • 学位 Ph.D.
  • 年度 2012
  • 页码 186 p.
  • 总页数 186
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

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