Tan , Scaik Lin
(2016)
Effects Of Gender And Age On Risk Preferences.
Masters thesis, Universiti Sains Malaysia.
Abstract
Wanita biasanya dianggap sebagai lebih cenderung mengelak risiko berbanding dengan lelaki dalam membuat keputusan kewangan. Golongan muda dipercayai lebih cenderung mengambil risiko lebih daripada golongan tua. Kajian ini hendak mengenal pasti kesan jantina dan umur terhadap pengutamaan risiko. Kajian ini menerangkan kelakuan subjek sebagai pengambil risiko atau mengambil risiko dalam keputusan risiko melalui tiga aspek, persamaan kepastian; Fungsi Pemberat Kebarangkalian; dan Fungsi Nilai. Dengan melihat penilaian kebarangkalian subjek, kami mengetahui tingkah laku seseorang individu melalui penilaian ringan atau penilaian berat terhadap kebarangkalian.
Women are commonly stereotyped as more risk averse than men in financial decision. Young age group are believed to be more willing to take more risk than elder age group. The present study intended to look into the effects of gender and age on risk preference. This study explained why a subject behaved as risk taker or risk averse in risk decision through three aspects, certainty equivalent; Probability Weighting Function; and Value Function. By looking on how a subject evaluated probability, we knew his or her risk behavior through the underweighting or overweighing of probability.
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