{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2025,11,20]],"date-time":"2025-11-20T12:55:35Z","timestamp":1763643335972,"version":"3.41.2"},"reference-count":52,"publisher":"Emerald","issue":"9\/10","license":[{"start":{"date-parts":[[2021,11,19]],"date-time":"2021-11-19T00:00:00Z","timestamp":1637280000000},"content-version":"tdm","delay-in-days":0,"URL":"https:\/\/www.emerald.com\/insight\/site-policies"}],"content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":["MF"],"published-print":{"date-parts":[[2022,9,9]]},"abstract":"<jats:sec><jats:title content-type=\"abstract-subheading\">Purpose<\/jats:title><jats:p>The purpose of this study is to identify the profile of the Portuguese regarding the perception of financial literacy.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Design\/methodology\/approach<\/jats:title><jats:p>The utilized methodology is based on a questionnaire survey that assesses the perception of financial literacy. The sample is composed of 830 Portuguese individuals over 18\u00a0years old.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Findings<\/jats:title><jats:p>The results show that the financial literacy scale presents a tri-factor structure with adequate validity and reliability levels. The three obtained factors are designated 1-2-year financial planning and goals, long-term saving and taste for numeric calculations.<\/jats:p><\/jats:sec><jats:sec><jats:title content-type=\"abstract-subheading\">Originality\/value<\/jats:title><jats:p>The originality in this study is shown in the application of the cluster analysis, which demonstrates the formation of three clusters that present different perceptions of financial literacy, classifying the Portuguese into a cluster of high financial literacy and taste for numeric calculation, a cluster of low financial literacy and a cluster of financial planning and saving but without the taste for numeric calculation.<\/jats:p><\/jats:sec>","DOI":"10.1108\/mf-05-2021-0210","type":"journal-article","created":{"date-parts":[[2021,11,18]],"date-time":"2021-11-18T08:59:35Z","timestamp":1637225975000},"page":"1301-1316","source":"Crossref","is-referenced-by-count":8,"title":["The profile of the Portuguese regarding the perception of\u00a0financial literacy"],"prefix":"10.1108","volume":"48","author":[{"ORCID":"https:\/\/orcid.org\/0000-0001-8069-2657","authenticated-orcid":false,"given":"Eul\u00e1lia Maria Mota","family":"Santos","sequence":"first","affiliation":[]},{"ORCID":"https:\/\/orcid.org\/0000-0002-5651-9755","authenticated-orcid":false,"given":"Vasco Capela","family":"Tavares","sequence":"additional","affiliation":[]},{"ORCID":"https:\/\/orcid.org\/0000-0002-2534-4550","authenticated-orcid":false,"given":"Vanessa","family":"Ratten","sequence":"additional","affiliation":[]},{"ORCID":"https:\/\/orcid.org\/0000-0002-9672-8770","authenticated-orcid":false,"given":"Fernando Oliveira","family":"Tavares","sequence":"additional","affiliation":[]}],"member":"140","published-online":{"date-parts":[[2021,11,19]]},"reference":[{"issue":"5","key":"key2022090804215994400_ref001","doi-asserted-by":"publisher","first-page":"5515","DOI":"10.1080\/14697680902878105","article-title":"Financial literacy and portfolio diversification","volume":"10","year":"2010","journal-title":"Quantitative Finance"},{"key":"key2022090804215994400_ref002","doi-asserted-by":"publisher","first-page":"4","DOI":"10.1016\/j.jhe.2015.02.003","article-title":"Financial literacy and financial planning: evidence from India","volume":"27","year":"2015","journal-title":"Journal of Housing Economics"},{"issue":"428","key":"key2022090804215994400_ref003","first-page":"499","article-title":"Two sides of a coin: effects of perceived and actual financial literacy on investment decision making behavior mediated by financial risk tolerance","volume":"7","year":"2018","journal-title":"International Journal of Engineering & Technology"},{"issue":"3","key":"key2022090804215994400_ref004","doi-asserted-by":"publisher","first-page":"353","DOI":"10.5296\/jpag.v8i3.13539","article-title":"SME managers and financial literacy; 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