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Main Threats of Pandemic Diseases for Financial Management in Households
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Main Threats of Pandemic Diseases for Financial Management in Households

A special issue of Risks (ISSN 2227-9091).

Deadline for manuscript submissions: closed (30 November 2021) | Viewed by 28738

Special Issue Editor

Dr. Bożena Frączek

E-Mail Website
Guest Editor
Department of Banking and Financial Markets, University of Economics in Katowice, 40-750 Katowice, Poland
Interests: finance; financial markets; financial literacy; financial education; personal finance management; financial problems arising from disability
Special Issues, Collections and Topics in MDPI journals

Special Issue Information

Dear Colleagues,

I am glad to announce a Risk Special Issue on “Main Threats of Pandemic Diseases for Financial Management in Households”. I am inviting manuscripts on household finances during the pandemic. The coronavirus pandemic has caused great changes in the functioning of many households. In numerous cases, this has influenced the appearance of new threats or the deepening of existing ones. Suitable manuscripts may include, but are not limited to, the main aspects of household financial issues (e.g., financial settlements, payments, savings, investment, borrowing money, budgeting) as well as household financial threats (e.g., employment situation and decreasing disposable income, threats to making timely loan/mortgage payments, debt spiral, starting or conducting a business,  household bankruptcy,  etc.) from the perspective of the impact of pandemics on the financial situation of households/individuals.

The purpose of this Special Issue is to gather in a single source, for better visibility, the results of numerous studies on how the pandemic is impacting financial decisions and the financial situation of households in the face of unheard-of challenges due to the unprecedented health and economic crisis caused by the coronavirus pandemic.

I look forward to receiving your submissions.

Dr. Bożena Frączek
Guest Editor

Manuscript Submission Information

Manuscripts should be submitted online at www.mdpi.com by registering and logging in to this website. Once you are registered, click here to go to the submission form. Manuscripts can be submitted until the deadline. All submissions that pass pre-check are peer-reviewed. Accepted papers will be published continuously in the journal (as soon as accepted) and will be listed together on the special issue website. Research articles, review articles as well as short communications are invited. For planned papers, a title and short abstract (about 100 words) can be sent to the Editorial Office for announcement on this website.

Submitted manuscripts should not have been published previously, nor be under consideration for publication elsewhere (except conference proceedings papers). All manuscripts are thoroughly refereed through a single-blind peer-review process. A guide for authors and other relevant information for submission of manuscripts is available on the Instructions for Authors page. Risks is an international peer-reviewed open access monthly journal published by MDPI.

Please visit the Instructions for Authors page before submitting a manuscript. The Article Processing Charge (APC) for publication in this open access journal is 1800 CHF (Swiss Francs). Submitted papers should be well formatted and use good English. Authors may use MDPI's English editing service prior to publication or during author revisions.

Keywords

  • Household finance
  • Household financial threats
  • Pandemic diseases
  • Health and economic crisis
  • Coronavirus and personal finance
  • Financial problems arising from disability

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Published Papers (6 papers)

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Research

17 pages, 558 KiB  
Article
The Effect of Business Legal Form on the Perception of COVID-19-Related Disruptions by Households Running a Business
by Anna Doś, Monika Wieczorek-Kosmala and Joanna Błach
Risks 2022, 10(4), 82; https://doi.org/10.3390/risks10040082 - 11 Apr 2022
Cited by 3 | Viewed by 3012
Abstract
Recent studies uncover the lack of symmetry in COVID-19-related economic shock distributions among households. Thus, questions arise about the appropriateness of diverse risk-coping mechanisms by households. We add to this strand of research by focusing on households running a business. In particular, we [...] Read more.
Recent studies uncover the lack of symmetry in COVID-19-related economic shock distributions among households. Thus, questions arise about the appropriateness of diverse risk-coping mechanisms by households. We add to this strand of research by focusing on households running a business. In particular, we analyze the role of basic legal aspects of running a business by individuals, specifically a legal form of business activity in shaping COVID-19-related business risk perception. We posit that the different legal forms allow for different risk-coping mechanisms. We incorporate analysis of variance (ANOVA) on data obtained via a survey distributed among households running a business in Poland, a country where the pandemic threatens poverty-reducing growth. We confirm that between the groups of households running a business in various legal forms, there are statistically significant differences regarding the impact of COVID-19. Thus, we conclude that the choice of business legal form affects vulnerability to COVID-19-related interruptions among households running a business. Full article
(This article belongs to the Special Issue Main Threats of Pandemic Diseases for Financial Management in Households)
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13 pages, 1759 KiB  
Article
The Application of the Soft Modeling Method to Evaluate Changes in Customer Behavior towards e-Commerce in the Time of the Global COVID-19 Pandemic
by Anna Dewalska-Opitek, Katarzyna Bilińska and Marek Cierpiał-Wolan
Risks 2022, 10(3), 62; https://doi.org/10.3390/risks10030062 - 10 Mar 2022
Cited by 4 | Viewed by 4362
Abstract
As a result of the COVID-19 pandemic, business and consumer behavior towards online consumption and digital payments has changed. This trend, although significant, may be observed, to a varying extent, among customers across the European Union. This study aims to investigate if, and [...] Read more.
As a result of the COVID-19 pandemic, business and consumer behavior towards online consumption and digital payments has changed. This trend, although significant, may be observed, to a varying extent, among customers across the European Union. This study aims to investigate if, and to what extent, the COVID-19 pandemic has had a powerful impact on online consumer behavior in EU (European Union) countries. The empirical research using a soft modeling method supplements theoretical deliberations based on critical literature review. A conceptual model was adopted. Three first-order latent variables were selected for the analysis: “online customer behavior”, “online activity” and “willingness to spend online”, to which all analyzed indicators (14) were classified. The analysis of the loadings of latent variables for 2019 and 2020 allowed the impact of the pandemic on customer behavior to be observed, although this was not the same across all EU countries. Clustering performed with the hit map enabled the identification of four groups of countries. Significant changes in behavior were observed in countries such as Poland, Ireland, Romania, Hungary, Slovenia, Spain, and Finland. The results of the classification based on the values of three latent variables indicate that only the composition of one group (Bulgaria and Romania) remained unchanged during the study period. Research discussion was presented, and further fields of study were identified. Full article
(This article belongs to the Special Issue Main Threats of Pandemic Diseases for Financial Management in Households)
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12 pages, 1423 KiB  
Article
Stock Indices Breakdown during the Pandemic as the Most Dynamic Bear Market in History: Consequences for Individual Investors
by Piotr Dąbrowski
Risks 2022, 10(1), 1; https://doi.org/10.3390/risks10010001 - 22 Dec 2021
Cited by 1 | Viewed by 3119
Abstract
The breakdown of stock indices is an obvious part of the financial market cycle. A common question about a bear market is the time and the depth of the downtrend, as well as the speed of the following recovery. As the COVID-19 pandemic [...] Read more.
The breakdown of stock indices is an obvious part of the financial market cycle. A common question about a bear market is the time and the depth of the downtrend, as well as the speed of the following recovery. As the COVID-19 pandemic spread globally, it induced huge price drops in a very short period, and an uptrend with new historical highs afterwards. The results of this research show that the pandemic breakdown was the fastest bear market in history; however, it does not confirm that future downtrends will be at the same or even greater speed. The consequences for individual investors have forced them to prepare for possible similar market behavior in the future, and to adjust their trading techniques and strategies to these conditions. Full article
(This article belongs to the Special Issue Main Threats of Pandemic Diseases for Financial Management in Households)
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19 pages, 936 KiB  
Article
Impact of the COVID-19 Pandemic on the Consumer Credit Market in V4 Countries
by Maria Czech and Blandyna Puszer
Risks 2021, 9(12), 229; https://doi.org/10.3390/risks9120229 - 17 Dec 2021
Cited by 8 | Viewed by 4946
Abstract
The aim of this article is to analyse and assess the impact of the COVID-19 pandemic on the consumer credit market in the countries of the Visegrad Group (V4, i.e., the Czech Republic, Poland, Slovakia, and Hungary). There is no doubt that the [...] Read more.
The aim of this article is to analyse and assess the impact of the COVID-19 pandemic on the consumer credit market in the countries of the Visegrad Group (V4, i.e., the Czech Republic, Poland, Slovakia, and Hungary). There is no doubt that the pandemic has determined the amount of household debt due to consumer credit in the V4 group, and thus the question arises of how the pandemic affects the propensity of households to take out loans and the propensity to lend to them, and therefore whether it affects both the behaviour of borrowers and lenders. The study used the time series and multiple linear regression methods. The results of the study show that the Covid-19 pandemic has determined the level of household debt in the V4 group and is not indifferent to household decisions regarding taking out consumer loans. Although the research is preliminary, it has contributed to some extent to a better understanding of household indebtedness at a time of turbulence and instability resulting from health factors in V4 countries. In the future, this research will serve as the basis for future research on the phenomenon of household indebtedness in other countries. Full article
(This article belongs to the Special Issue Main Threats of Pandemic Diseases for Financial Management in Households)
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15 pages, 1675 KiB  
Article
Household Financial Situation during the COVID-19 Pandemic with Particular Emphasis on Savings—An Evidence from Poland Compared to Other CEE States
by Grażyna Szustak, Witold Gradoń and Łukasz Szewczyk
Risks 2021, 9(9), 166; https://doi.org/10.3390/risks9090166 - 12 Sep 2021
Cited by 20 | Viewed by 9197
Abstract
The aim of this article is to analyze and assess the impact of the pandemic on the finances of households in Poland, compared to other CEE countries (including Czech Republic, Slovakia and Hungary), with particular emphasis on changes in the level of their [...] Read more.
The aim of this article is to analyze and assess the impact of the pandemic on the finances of households in Poland, compared to other CEE countries (including Czech Republic, Slovakia and Hungary), with particular emphasis on changes in the level of their savings, which are considered to be the foundation for the development of the indicated research group. There is no doubt that the pandemic had an impact on the situation of households, which is mainly visible in the labor market (rising unemployment), and thus the question arises to what extent have the households’ approaches to financial decisions changed because of this situation? The propensity to save was taken into account as a main aspect of this problem, because it has, among others, a big impact on the financial well-being (in a broader sense). Using the multiple linear regression method, the factors that influence the level of household savings were determined. The results of the research show that these factors are different in the analyzed countries and have a different impact on the level of the explained variable, which is the gross saving rate. The research should also be treated as a preliminary one. It constitutes a contribution to in-depth research with the use of more sophisticated statistical and econometric methods, which will allow for the better assessment of the examined issue. Full article
(This article belongs to the Special Issue Main Threats of Pandemic Diseases for Financial Management in Households)
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8 pages, 327 KiB  
Article
The Financial Situation of Families and the Quality of Life and Coping with Stress of Children with ASD during the SARS-CoV-2 Pandemic
by Anna Gagat-Matula
Risks 2021, 9(5), 95; https://doi.org/10.3390/risks9050095 - 13 May 2021
Cited by 4 | Viewed by 2744
Abstract
The aim of the study was to compare children with ASD from families with low and medium financial status in terms of quality of life and coping with stress during the SARS-CoV-2 pandemic and the material status of the family related to their [...] Read more.
The aim of the study was to compare children with ASD from families with low and medium financial status in terms of quality of life and coping with stress during the SARS-CoV-2 pandemic and the material status of the family related to their financial situation during the pandemic. The diagnostic survey method was used in the research study. A total of 120 children with autism spectrum disorder (ASD) aged 11–14 years participated in the study. The following tools were used to achieve the goal: Quality of Life of Students by S. Kowalik, “Jak Sobie Radzisz” by Z. Juczyński and N. Ogińska-Bulik and a proprietary questionnaire by the author. The research results indicate that during the SARS-CoV-2 pandemic, children with ASD from families with an average financial status are more satisfied with functioning in the family and more satisfied with themselves than children from families with a low financial status. Moreover, children with ASD from low-status families prefer strategies of focusing on emotions, which are not constructive and make functioning difficult, more often than their peers from families with average financial status. The results of the research show a positive correlation between the quality of life in the dimensions of satisfaction with the family, one’s local environment and oneself and active coping (disposition) and seeking social support; and a negative correlation with the strategy of focusing on emotions (disposition). It is advised that families with children with ASD be supported during the pandemic. Full article
(This article belongs to the Special Issue Main Threats of Pandemic Diseases for Financial Management in Households)
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