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Effects of mental accounting on intertemporal choices
[Arbeitspapier]
Körperschaftlicher Herausgeber
University of Gothenburg, Faculty of Social Sciences, Department of Psychology
Abstract Two experiments with undergraduates as subjects were carried out with the aim of replicating and extending previous results showing that the implication of the behavioral life-cycle hypothesis (H. M. Shefrin & R. H. Thaler, 1988) that people classify assets in different mental accounts (current inc... mehr
Two experiments with undergraduates as subjects were carried out with the aim of replicating and extending previous results showing that the implication of the behavioral life-cycle hypothesis (H. M. Shefrin & R. H. Thaler, 1988) that people classify assets in different mental accounts (current income, current assets, and future income) may explain how consumption choices are influenced by temporary income changes. In both experiments subjects made fictitious choices between paying for a good in cash or according to a more expensive installment plan after they had received an income which was either less, the same, or larger than usual. In Experiment 1 subjects were supposed to have savings so that the total assets were equal, whereas in Experiment 2 the total assets varied. The results of both experiments supported the role of mental accounts in demonstrating that subjects were unwilling to pay in cash after an income decrease even though they had access to saved money. Thus, in effect they chose to pay more for the good than they had to. Indicating a need for further refinement of the concept of mental account, choices to pay in cash after an income decrease tended to be more frequent when the consumption and savings motives were compatible than when they were incompatible. Furthermore, increasing the total assets made subjects more willing to pay in cash after an income decrease.... weniger
Thesaurusschlagwörter
Konsumverhalten; Kaufverhalten; Entscheidungsfindung; Einkommen; Sparen
Klassifikation
angewandte Psychologie
Wirtschaftssoziologie
Sprache Dokument
Englisch
Publikationsjahr
1997
Erscheinungsort
Göteborg
Seitenangabe
17 S.
Schriftenreihe
Göteborg Psychological Reports, 5
Status
Veröffentlichungsversion; begutachtet (peer reviewed)
Lizenz
Creative Commons - Namensnennung, Weitergabe unter gleichen Bedingungen