Kim Yongseok, Cho Sunghwan, Lee Sokho, Ahn Joseph
Department of Social Welfare, The Catholic University of Korea, 43 Jibong-Ro, Bucheon, Gyeonggi-Do, 14662, South Korea.
Graduate School of Social Welfare, The Catholic University of Korea, 43 Jibong-Ro, Bucheon, Gyeonggi-Do, 14662, South Korea.
Psicol Reflex Crit. 2025 May 30;38(1):16. doi: 10.1186/s41155-025-00355-0.
In South Korea, there are many situations that can threaten financial well-being, a factor that has been known to affect both mental and physical health. However, there has so far not been an instrument to measure an individual's subjective financial well-being.
This study aims to adapt the Korean version of the Personal Financial Wellness (PFW) scale.
The Korean version of the PFW scale was evaluated with 2,044 adults who participated in an online survey in South Korea. Confirmatory factor analysis was conducted to examine the factor structure of the PFW scale. Its validity was assessed by examining factor loadings, average variances extracted (AVE), and conceptual reliability (CR). In addition, the relationships between the PFW scale and the scales measuring theoretically relevant constructs were analyzed. Reliability was examined using Cronbach's alpha coefficient, the corrected item-to-total correlation, the inter-item correlation, and McDonald's omega.
The evaluation of the psychometric properties of the Korean version of the PFW scale indicates that it exhibits a single-factor structure, consistent with the English version. Factor loadings, AVE, and CR all exceeded the recommended thresholds. The model also demonstrated consistent fit indices regardless of the subsample. Invariance of both configural and factor loadings was established across gender, while invariance of configural, factor loadings, and intercepts was confirmed across regions. Additionally, the PFW scale, a subjective measure of financial well-being, is more strongly related to health-related variables than monthly income, which is an objective indicator of financial well-being. Internal consistency reliability for the Korean version of the PFW scale was found to be satisfactory.
The adaptation of the Korean version of the PFW scale provides a valuable instrument for researchers and practitioners in South Korea, where an instrument measuring an individual's subjective financial well-being does not exist.
在韩国，有许多情况会威胁到财务状况，而财务状况是已知会影响身心健康的一个因素。然而，到目前为止，还没有一种工具来衡量个人的主观财务状况。
本研究旨在改编韩国版的个人财务健康（PFW）量表。
对2044名参与韩国在线调查的成年人进行了韩国版PFW量表的评估。进行验证性因素分析以检验PFW量表的因素结构。通过检验因素载荷、提取的平均方差（AVE）和概念可靠性（CR）来评估其有效性。此外，还分析了PFW量表与测量理论相关构念的量表之间的关系。使用克朗巴哈α系数、校正后的项目与总分相关性、项目间相关性和麦克唐纳ω系数来检验信度。
对韩国版PFW量表的心理测量特性评估表明，它呈现出单因素结构，与英文版一致。因素载荷、AVE和CR均超过了推荐阈值。无论子样本如何，该模型也都显示出一致的拟合指数。在性别间建立了构型和因素载荷的不变性，而在地区间确认了构型、因素载荷和截距的不变性。此外，作为财务状况主观衡量指标的PFW量表，与健康相关变量的相关性比作为财务状况客观指标的月收入更强。发现韩国版PFW量表的内部一致性信度令人满意。
韩国版PFW量表的改编为韩国的研究人员和从业者提供了一种有价值的工具，因为在韩国不存在测量个人主观财务状况的工具。
