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Переживаемая финансовая нестабильность: адаптация шкалы финансовой угрозы на российской выборке
Abstract
Background.
Economic instability and uncertainty increase the subjective perception of financial risks, creating feelings of anxiety and threat among the population . Under these conditions, there is a growing need for reliable and valid instruments for measuring financial stress adapted to the Russian cultural context .
Objective.
The study aimed to adapt and psychometrically validate the Russian version of the Financial Threat Scale (FTS),
designed to assess the subjective perception of economic instability and financial anxiety
.
Study Partcicpants.
The study involved 555 respondents (Mage = 37 .55), including 328 women (59 .1%) and 227 men (40 .9%) .
Methods.
The study employed the Russian version of the Financial Threat Scale (FTS), questionnaires measuring personality traits based on the Big Five model, the Life Orientation Test-Revised (LOT-R) for dispositional optimism, the WHO-5 Well-Being Index, the Doomscrolling Scale, as well as questions on socio-demographic characteristics, including subjective income level, gender and age.
Results.
Exploratory and confirmatory factor analyses confirmed the one-factor structure of the scale and its high internal consistency (α = 0 .914; ω = 0 .915) . It was found that the perception of financial threat decreases with age, income and optimism growth, and is connected to gender (higher among women) . Financial threat experiencing was negatively associated with extraversion and emotional stability and positively connected to conscientiousness, reflecting the importance of emotional resilience and self-control in perceiving financial risks . The positive relationship of financial threat perception to the values on the Kantianism scale (as a part of “The Light triad” of personality) may indicate a moral and normative interpretation of financial threats . The negative association of financial threat experiencing with the WHO-5 index demonstrates the association of financial stress with a decrease in subjective well-being . The association with doomscrolling confirms the role of media consumption as a factor amplifying the perception of economic instability.
Conclusions.
The Russian version of the Financial Threat Scale (FTS) demonstrated high reliability, construct, and conceptual validity, making it a suitable tool for research and applied purposes to assess the perception of financial risks, stress, and their psychological consequences in the Russian sociocultural context