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Riskaversion - Skillnad i riskaversion mellan individer som arbetar för fast och rörlig lön

Ernstsson, Joacim LU ; Kivilo, Erik LU and Setterwall, Michaela LU (2015) FEKH19 20142
Department of Business Administration
Abstract (Swedish)
Syfte: Syftet med uppsatsen är att undersöka om en signifikant skillnad i riskaversion råder mellan de två populationerna, där den ena arbetar för en fast lön och den andra för en provisionsbaserad lön. Även de oberoende variablerna som antas ligga till grund för en individs riskaversion kommer att undersökas.

Metod: En tvärsnittsstudie genomfördes av två populationer med hjälp av en internetbaserad enkätundersökning. Bekvämlighetsurval användes från båda populationerna. Inkomna enkätsvar analyserades komparativt med hjälp av ett Mann-Whitney U test för att undersöka huruvida signifikanta skillnader kunde påvisas.

Teoretiska perspektiv: Riskaversion och dess förhållande till agentteorin, nytta och prestationsbaserad löneersättning... (More)
Syfte: Syftet med uppsatsen är att undersöka om en signifikant skillnad i riskaversion råder mellan de två populationerna, där den ena arbetar för en fast lön och den andra för en provisionsbaserad lön. Även de oberoende variablerna som antas ligga till grund för en individs riskaversion kommer att undersökas.

Metod: En tvärsnittsstudie genomfördes av två populationer med hjälp av en internetbaserad enkätundersökning. Bekvämlighetsurval användes från båda populationerna. Inkomna enkätsvar analyserades komparativt med hjälp av ett Mann-Whitney U test för att undersöka huruvida signifikanta skillnader kunde påvisas.

Teoretiska perspektiv: Riskaversion och dess förhållande till agentteorin, nytta och prestationsbaserad löneersättning beaktades. Även de oberoende variabler som kan tänkas påverka en individs riskaversion berörs i uppsatsen.

Empiri: Två urval studerades avseende deras riskpreferenser, där den ena gruppen arbetar för en provisionsbaserad lön och består av fastighetsmäklare från Bjurfors Sverige AB. Den andra gruppen arbetar för en fast lön och består av personer i vårt, författarnas kontaktnät.

Resultat: Studien visade på att det finns signifikanta skillnader i riskaversion mellan de två populationerna. Dock återfanns betydande skillnader i fördelningen av de oberoende variablerna vilket leder till att studiens generaliserbarhet kan ifrågasättas. Den säkraste slutsatsen utifrån resultatet är att skillnader existerar mellan mäns och kvinnors riskaversion, där kvinnor visar sig vara mer riskaverta än män. (Less)
Abstract
Purpose: The purpose of this thesis is to investigate whether there is a significant difference in risk aversion between the two populations, where one is working for a fixed salary, and the other for a commission-based salary. Independent variables that may represent the individual's risk aversion will also be examined.

Methodology: A cross-sectional study of two populations was carried out through an online-based survey. Convenience samples were carried out from both populations. The survey responses were analyzed comparatively through a Mann-Whitney U test to see if significant differences existed.

Theoretical perspectives: Risk aversion and its correlation with the Agency Theory, utility and performance based compensation has... (More)
Purpose: The purpose of this thesis is to investigate whether there is a significant difference in risk aversion between the two populations, where one is working for a fixed salary, and the other for a commission-based salary. Independent variables that may represent the individual's risk aversion will also be examined.

Methodology: A cross-sectional study of two populations was carried out through an online-based survey. Convenience samples were carried out from both populations. The survey responses were analyzed comparatively through a Mann-Whitney U test to see if significant differences existed.

Theoretical perspectives: Risk aversion and its correlation with the Agency Theory, utility and performance based compensation has been frequently taken into consideration. Also, independent variables that may affect an individual's risk aversion have recurred in the context.

Empirical foundation: Two samples were studied with regard to their individual risk preferences, where one group, consisting of real estate brokers from Bjurfors Sweden AB, had a commission- based salary. The second group, consisting of people from our personal network, had a fixed salary.

Conclusions: The study showed that there are significant differences in risk aversion between the two populations. However, significant differences in the distribution of the independent variables were noted, which leads to the fact that the study’s generalizability may be questionable. The most apparent conclusion of the result is that there is a difference between men and women regarding risk aversion, where women are more likely to be risk averse than men. (Less)
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author
Ernstsson, Joacim LU ; Kivilo, Erik LU and Setterwall, Michaela LU
supervisor
organization
course
FEKH19 20142
year
type
M2 - Bachelor Degree
subject
keywords
Riskaversion, provisionsbaserad lön, optimal lönestruktur, orsaksvariabler till individuella riskpreferenser, fastighetsmäklare
language
Swedish
id
5045553
date added to LUP
2015-02-12 12:00:28
date last changed
2015-02-12 12:00:28
@misc{5045553,
  abstract     = {Purpose: The purpose of this thesis is to investigate whether there is a significant difference in risk aversion between the two populations, where one is working for a fixed salary, and the other for a commission-based salary. Independent variables that may represent the individual's risk aversion will also be examined.

Methodology: A cross-sectional study of two populations was carried out through an online-based survey. Convenience samples were carried out from both populations. The survey responses were analyzed comparatively through a Mann-Whitney U test to see if significant differences existed.

Theoretical perspectives: Risk aversion and its correlation with the Agency Theory, utility and performance based compensation has been frequently taken into consideration. Also, independent variables that may affect an individual's risk aversion have recurred in the context.

Empirical foundation: Two samples were studied with regard to their individual risk preferences, where one group, consisting of real estate brokers from Bjurfors Sweden AB, had a commission- based salary. The second group, consisting of people from our personal network, had a fixed salary.

Conclusions: The study showed that there are significant differences in risk aversion between the two populations. However, significant differences in the distribution of the independent variables were noted, which leads to the fact that the study’s generalizability may be questionable. The most apparent conclusion of the result is that there is a difference between men and women regarding risk aversion, where women are more likely to be risk averse than men.},
  author       = {Ernstsson, Joacim and Kivilo, Erik and Setterwall, Michaela},
  keyword      = {Riskaversion,provisionsbaserad lön,optimal lönestruktur,orsaksvariabler till individuella riskpreferenser,fastighetsmäklare},
  language     = {swe},
  note         = {Student Paper},
  title        = {Riskaversion - Skillnad i riskaversion mellan individer som arbetar för fast och rörlig lön},
  year         = {2015},
}