Examining the financial well-being in challenging economic conditions: structural equation modeling evidence from Türkiye


Aydemir Dev M., Barca O., Bayram Arlı N., Gürsakal S.

FUTURE BUSINESS JOURNAL, vol.11, pp.1-13, 2025 (ESCI)

  • Publication Type: Article / Article
  • Volume: 11
  • Publication Date: 2025
  • Doi Number: 10.1186/s43093-025-00676-7
  • Journal Name: FUTURE BUSINESS JOURNAL
  • Journal Indexes: Emerging Sources Citation Index (ESCI)
  • Page Numbers: pp.1-13
  • Bursa Uludag University Affiliated: Yes

Abstract

Abstract The purpose of the study is to examine the dynamics of financial well-being in the context of challenging economic conditions. Central to this research are the key concepts of financial stress, social support, and financial self-efficacy, which are recognized as having a significant impact on individuals’ financial well-being. Using a conceptual model that encompasses these determinants, this research employs a structural equation modeling to examine the intricate relationships between these variables. The goodness-of-fit indices obtained for the structural equation model is found X2/df  = 2.666; RMSEA  = .048 SRMR  = .053; CFI  = .97; GFI  = .94. The model showed a good fit. Based on a sample of 738 participants, the analysis examines how social support, self-efficacy, and stress shape individuals’ financial well-being, and identifies both the direct and indirect relationships. This study makes a significant contribution by examining financial well-being in the context of challenging economic conditions, shedding light on the psychological implications of social support, stress and self-efficacy in this area.