بررسی تاثیر ارزش هوش مالی بر ریسک پذیری کارکنان با نقش میانجی سرمایه اجتماعی

امروزه هوش مالی به عنوان یک ابزار قدرتمند برای دستیابی به اهداف استراتژیک و مدیریت دولت‌ها و شرکت‌ها در سطح جهانی شناخته شده است. هوش مالی می‌تواند یکی از ویژگی‌های مهم فردی باشد و استفاده صحیح از آن توسط فرد، مزایای قابل توجهی را عاید فرد و سازمان کند. هدف این پژوهش، بررسی تاثیر ارزش هوش مالی بر ریسک پذیری کارکنان بانک ملی شعب زاهدان با نقش واسطه‌ای سرمایه اجتماعی است. این پژوهش از نوع توصیفی تحلیلی و از مدل همبستگی می‌باشد. جامعه آماری این تحقیق شامل کلیه کارکنان بانک ملی در شعب شهر زاهدان به تعداد 430 نفر است و نمونه آماری شامل 202 نفر از کارکنان می‌باشد که به شیوه نمونه گیری تصادفی طبقه‌ای انتخاب شده‌اند. ابزار گردآوری داده‌ها در این تحقیق، پرسشنامه‌های استاندارد بوده که روایی و پایایی آنها به تایید رسیده است. جهت تجزیه و تحلیل داده‌ها و انجام معادلات ساختاری از نرم افزار smart pls استفاده شده است. تحلیل مدل و انجام معادلات ساختاری نشان داد که هوش مالی با نقش واسطه‌ای سرمایه اجتماعی نمی‌تواند بر ریسک پذیری کارکنان تاثیرگذار باشد. همچنین، نتایج نشان داد که هوش مالی به صورت مجزا بر دو متغیر ریسک پذیری و سرمایه اجتماعی تاثیرگذار است.

investigating the effect of financial intelligence value on employees’ risk taking with the mediating role of social capital

today, financial intelligence is recognized as a powerful tool for achieving strategic goals and managing governments and companies globally. financial intelligence can be one of the critical characteristics of an individual and by its correct use an individual can bring significant benefits to himself and the organization. the purpose of this research is to investigate the effect of financial intelligence value on the risk-taking of zahedan national bank employees with the mediating role of social capital. this research is descriptive, analytical, and correlative. the statistical population of this research includes all the employees of the national bank in the branches of zahedan, numbering 430 people, and the statistical sample consists of 202 employees who were selected by stratified random sampling. the data collection tools in this research were standard questionnaires whose validity and reliability have been confirmed. smart pls software was used to analyze the data and perform structural equations. analyzing the model and carrying out structural equations showed that financial intelligence along with the mediating role of social capital cannot influence employees’ risk-taking. also, the results showed that financial intelligence has a separate effect on the two variables of risk-taking and social capital.extended abstractintroductionthe financial performance of a company is the most obvious aspect of its performance, and it seems that this importance cannot be achieved unless by having employees with high knowledge in the field of finance. of course, the financial intelligence of people will be effective in the financial performance of the company; because according to research, people’s financial intelligence plays an important role in their financial decisions. such decisions will not be unaffected by people’s risk tolerance. today, according to the sensitive conditions they experience, organizations need employees with high risk and risk management, and if there are such people in the organization, the organizations can definitely reach their financial goals (hirani safaei, 2018). financial intelligence can determine the amount of risk in an economic decision. therefore, financial intelligence can be a good determinant of people’s risk power (parhizi, 2012). financial intelligence consists of talent and knowledge of basic financial concepts that enables a person to make reasonable financial decisions and take responsibility for financial choices that affect people’s financial well-being and personal life (khani hosseinzadeh yaghbasti, 2022, 57).other factors that can guarantee the financial life of an organization and financial institution are social support and social capital. social support and social capital play a key role in the self-confidence of the employees of an organization and can make people’s potential talents flourish, and when the talent of the employees of an organization flourishes, it means reaching the goals of that organization. asian development bank (2000) considers social capital to be a combination of trust, mutual behavior, norms, and networks of social engagements that make it easier to coordinate work to achieve goals (naderi divband, 2010, 2).surveys show that in the past, national bank branches have been leaders in providing new banking services, and this has made the services provided by this bank very important. but if we pay attention to the general statistics and the history of this bank’s capital, we will come to the conclusion that the capital in national bank has decreased significantly in recent years. it can be said that the quality of service and customer relationship management in this bank can have important effects on the bank’s financial performance. but the underlying processes of customer relationship investment and performance have not been clearly determined in most empirical studies. in fact, if the social capital in the bank and its related factors are well identified, it is possible to be sure about the customers and their investment. therefore, the main question of this research is whether the financial intelligence of the employees’ risk-taking is effective in the mediating role of social capital in the employees of zahedan national bank.theoretical frameworkone thing that can guarantee the survival of a bank is paying attention to capital; both material capital and social capital. paying attention to capital and the factors affecting them is one way to advance the goals of banks. this important thing happens if these funds are taken into consideration thoroughly. according to the topic of this research, we will continue to define intelligence in order to provide a background for defining financial intelligence, and after that, some information will be presented about the concepts of risk-taking and social capital.in practical definitions, intelligence is a phenomenon measured through intelligence tests, and perhaps this is the most practical definition for intelligence (naderi divband, 2010). in advanced psychology, human intelligence is divided into several different parts; one of the most important of which is financial intelligence; very useful all over the world (vakili, 2012). it is given in the context of the definition of financial intelligence: financial intelligence, which is also called economic intelligence, is a set of decisions and actions that take place in the direction of financial management (anderson fornell, 2010). financial intelligence means that people can get money in the shortest time or solve their financial problems using this skill. in simpler terms, we can say that monetary intelligence is the ability to solve financial problems. that is: &solving the most complex financial issues& (tediga asongo, 2015).risk is considered as an integral part of all business activities, and its effective management helps organizations in preventing financial problems and capital budgeting and also improves the decision-making process (sadati tileboni zabihi khalili, 2022. 176). risk-taking plays a very important role in maintaining the competitive advantage of companies and can lead them to higher economic growth. in the competitive environment, companies follow different strategies to increase their share in the market (sadati tileboni zabihi khalili, 2022, 178).today, in addition to human and economic capital, another capital called social capital is also considered. social capital, or the spiritual dimension of a community, is a historical legacy that, through encouraging people to &cooperate& and &participate& in social interactions, is able to overcome more of the problems in that community and move towards growth and enable rapid economic, political, cultural, etc. development (hassas yeganeh afkhami, 2018). methodologythe current research is descriptive, analytical, and correlative. the statistical population of this research includes all the employees and managers of the national bank branches in zahedan, whose number is 430. the statistical sample of this research is based on morgan’s table of 202 people who were selected by simple random sampling. in order to collect data, the financial intelligence questionnaires of popovich et al. (2012), the social capital of onyx and bolen (2000), and the risk tolerance of powell (2000) were used. in this research, path analysis, and smart pls software were used to analyze the data.discussion and resultsbefore testing the assumptions and estimating the research model, the fit and goodness of the model should be evaluated.