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Research Ate Rhea

The document examines how unstable profitability affects the financial management practices of street vendors in San Francisco Agusan del Sur. It identifies income unpredictability, inability to cope with financial shocks, inconsistency of earnings, and dependence on borrowing as independent variables linked to financial fragility. The dependent variables include cash budgeting, saving behavior, and debt management as outlined by cash management theory.

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16 views17 pages

Research Ate Rhea

The document examines how unstable profitability affects the financial management practices of street vendors in San Francisco Agusan del Sur. It identifies income unpredictability, inability to cope with financial shocks, inconsistency of earnings, and dependence on borrowing as independent variables linked to financial fragility. The dependent variables include cash budgeting, saving behavior, and debt management as outlined by cash management theory.

Uploaded by

armodiajulia146
Copyright
© All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as DOCX, PDF, TXT or read online on Scribd

Title: The Effects of Unstable Profitability on the Financial Management

Practices of Street Vendors in San Francisco Agusan del Sur

IV – TF Prospect Theory (Kahneman & Tversky)

DV – TF Cash Management Theory / Baumol-Tobin Model

Independent Variable using the Theory of Financial Fragility (Lusardi,


2011):

Independent Variable (Unstable Profitability) — Theory of Financial Fragility

1. Income Unpredictability
2. Inability to Cope with Financial Shocks
3. Inconsistency of Daily/Weekly Earnings
4. Dependence on Borrowing During Low-Profit Periods

Dependent Variable (Financial Management Practices) — Cash


Management Theory Indicators:

1. Cash Budgeting / Allocation

2. Saving Behavior

3. Debt Management

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