Multidimensional Subjective Financial Well-being Scale
Nome:
Multidimensional Subjective Financial Well-being Scale
Sigla:
MSFWBS
Anno di pubblicazione:
2019
Indirizzo e-mail autore da contattare:
angela.sorgente@unicatt.it
Origine:
Italiana
Disponibilità:
Gratuito
Stato:
Pubblicato/validato
Autori:
-
Orcid ID: 0000-0003-1046-0409
-Angela Sorgente
-Università Cattolica del Sacro Cuore
-
Orcid ID: 0000-0001-7476-0721
-Margherita Lanz
-Università Cattolica del Sacro Cuore
Tassonomia di strumento:
Autovalutazione (Self-report)
APA PsycTests Classification System:
- 5600 Consumer Behavior, Marketing, and Advertising
Sezione AIP di riferimento per referaggio:
- Psicologia sperimentale
- Psicologia per le organizzazioni
Target:
- Giovani adulti (18-29 anni) [Young Adulthood (18-29 Yrs)]
Costrutto:
Benessere finanziario soggettivo
Descrizione:
The current paper consists of 4 studies aiming to develop and
validate an instrument measuring subjective financial well-being in a population of European emerging adults. The first study collected
qualitative data – performing interviews with experts and the target population – in order to contextualize the construct. Based on these
results, we developed the initial 44-item version of the scale. The second study aimed to test the psychometric characteristics of these
items. There were 25 items measuring five different aspects of subjective financial well-being (general subjective financial well-being, money
management, peer comparison, having money, financial future) with acceptable psychometric properties. The third study aimed to collect
validity evidence about the newly developed scale. Five different kinds of evidence suggested that the scale is a good measure of subjective
financial well-being. The last study tested measurement invariance between Portuguese and Italian versions.
Interfaccia utente:
Nello studio di validazione italiana i dati sono stati raccolti tutti tramite survey online, ma studi successivi hanno somministrato lo strumento anche nella versione cartacea.
Tipo di strumento:
Quantitativo
Norme:
-
Fattori e sottoscale
Numero fattori: 5
Struttura
• Correlati
Metodo
• EFA
• CFA
Metodo di stima: MLR
Fit indices
CFI: .902
RMSEA: .075
Intervallo di Confidenza: .071 - .080
Attendibilità
• Consistenza interna α/ω
Descrizione: General Subjective Financial Well-being (omega = .940), Money Management (omega = .781),
Peer Comparison (omega = .823),
Having Money (omega = .866),
Financial Future (omega = .771)
Campione
N: 516
Caratteristiche: The convenience sample was composed of 516
emerging adults (76.2% female). Their age ranged from 18 to 29 (M = 23.25; SD = 2.54). Most participants (65.6%) were students; 7.9% were workers; 21.5% were both students and workers; 1.5% were involved in a non-paid internship; 1.5% were looking for a job; and 1.9% were NEET. Finally, 54.4% of the participants were living in their parents’ house. Around one-fifth (21.1%) of the participants belonged to family with a median family of origin income (i.e., annual income between 28,001 to 55,000 € a year),
while most of the participants belonged to families with a lower (61.1%) annual income. Only the 17.9% belonged to a family with an annual income higher than 55.000 €.
Furthermore, among the participants having a personal income (n = 278; 56.9%), half of them (49%) had a monthly income ranging between 200 and 1200 €. The majority of the remainders (40.6%) had a lower monthly income (less than 200 €), while only 10.4% had an income higher than 1200 € per month.
Validità
Tipo di evidenza
• Contenuto
Accordo tra giudici: Valutazione qualitativa
• Struttura interna (EFA / CFA)
Saturazioni (range): .439 - .900
Fit modello: X2 (265) = 1043.127; p<.001; RMSEA = .075 (.071 .080), p<.001; CFI = .902; SRMR = .063
• Concorrente (valore coefficiente)
Valore coefficiente: .090 - .490
Metodo (CFA / correlazioni / ROC / path analysis / MES): Modelli SEM in cui sono state testate le relazioni latenti tra variabili
Campione
N: 516
Caratteristiche: The convenience sample was composed of 516 emerging adults (76.2% female). Their age ranged from 18 to 29 (M = 23.25; SD = 2.54). Most participants (65.6%) were students; 7.9% were workers; 21.5% were both students and workers; 1.5% were involved in a non-paid internship; 1.5% were looking for a job; and 1.9% were NEET. Finally, 54.4% of the participants were living in their parents’ house. Around one-fifth (21.1%) of the participants belonged to family with a median family of origin income (i.e., annual income between 28,001 to 55,000 € a year), while most of the participants belonged to families with a lower (61.1%) annual income. Only the 17.9% belonged to a family with an annual income higher than 55.000 €. Furthermore, among the participants having a personal income (n = 278; 56.9%), half of them (49%) had a monthly income ranging between 200 and 1200 €. The majority of the remainders (40.6%) had a lower monthly income (less than 200 €), while only 10.4% had an income higher than 1200 € per month.
Contesto d'uso
• Ricerca
Invarianza di misura
Livelli
• Configurale
• Metrica
• Scalare
• Errore
Gruppi
• Genere
• Età
• Cultura
• Altro
Specifica: living arrangement; occupational status
Metodo
• Analisi multigruppo
Articolo principale della validazione italiana (DOI):
Altre pubblicazioni relative allo strumento (DOI):
https://doi.org/10.1007/s10902-024-00708-z
https://doi.org/10.3389/fpsyg.2022.935284
https://doi.org/10.1080/03069885.2025.2583364
https://doi.org/10.1007/s11482-025-10541-y
https://doi.org/10.1007/s44202-026-00670-2
https://doi.org/10.1016/j.jbef.2026.101153
Disponibilità in altre lingue:
Austria, Canada, Finland, Portugal, Romania, Slovenia, and Turkey (Sorgente et al., 2024): https://doi.org/10.1007/s10902-024-00708-z
Canada (Aubrey et al., 2022): https://doi.org/10.3389/fpsyg.2022.935284
Turkey (Atay, 2025): https://doi.org/10.1080/03069885.2025.2583364
Brazil (de Oliveira Cardoso et al., 2025),
https://doi.org/10.1007/s10834-024-09965-9
Iran (Sorgente et al., 2026): https://doi.org/10.1007/s11482-025-10541-y
Mexico (Garneau & Parent-Lamarche, 2026): https://doi.org/10.1007/s44202-026-00670-2
Bangladesh, Ghana, India, Malaysia, Pakistan, and the Philippines (Sorgente et al., accepted): https://doi.org/10.1016/j.jbef.2026.101153
Materiale scaricabile:
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