Sara Fernández-López
Biographic Data
| ID | 269057 |
|---|---|
| NAME | Sara Fernández-López |
| GIVEN NAMES | Sara |
| FAMILY NAME | Fernández-López |
| SIGNATURE | FERNÁNDEZ-LÓPEZ S |
| AFFILIATIONS | Universidade de Santiago de Compostela |
| ORCID | 0000-0003-2496-4333 |
| VERIFIED | Yes |
| TOTAL WORKS | 22 |
| TOTAL CITATIONS | 17 |
| AUTHOR COUNT | 22 |
| EDITOR COUNT | 0 |
| FIRST PUBLICATION YEAR | 2015 |
| LATEST PUBLICATION YEAR | 2026 |
| H-INDEX | 3 |
Sound Financial Practices and Entrepreneurs' Socio‐Environmental Commitment
Small enterprises (SEs) constitute a major component of economic systems, and their socio‐environmental commitment is critical for promoting societal well‐being. This paper examines the direct effect of sound financial practices on socio‐environmental commitment and evaluates the mediating role of financial constraints—specifically debt and equity—within Spanish SEs. Addressing gaps in sustainability research regarding the social dimension and fi…
Problemas de salud y endeudamiento de los hogares en España
OBJECTIVE: To examine whether health problems, measured by the number of chronic conditions and self-perceived health status, are associated to the ownership and amount of consumer and mortgage debt in Spain. METHOD: A cross-sectional study based on data from the SHARE survey, referred to 2021-2022. The final sample comprises 1583 individuals residing in Spain, mostly aged 50 and over. The empirical analysis was conducted in two stages: first, a …
Age and Financial Vulnerability Dimensions
Financial vulnerability (FV) is a multidimensional phenomenon that appears to show different patterns across age groups. However, the evidence on the FV-age relationship remains limited and inconclusive. This lack of definitive findings may stem from limitations in measuring FV, typically through one-dimensional indicators. Using a novel conceptual framework proposed by Voith and Mauser (2024), we explore whether the sensitivity, (low) resilience…
Estudio de la situación, condiciones y expectativas laborales en relación con la fragilidad financiera de los hogares en España
La fragilidad financiera de los hogares (FFH) ha aumentado de forma sostenida durante las últimas décadas, convirtiéndose en un desafío para las economías de los países occidentales. Aunque la literatura ha analizado diversos determinantes laborales, se ha prestado poca atención a las condiciones y expectativas laborales, y se ha considerado la FFH como un fenómeno unidimensional. Este artículo relaciona la FFH en España, utilizando un índice mul…
Self-control and debt decisions relationship
In recent years, households have become increasingly indebted, which constitutes a matter of concern. Based on a sample from the Spanish Survey of Financial Competences , this paper examines the relationship between self-control and consumer borrowing behaviour and, in so doing, it proposes a new multi-item scale of individual’s self-control in financial matters and considers several types of consumer debt, thus overcoming the main gaps identifie…
Job expectations and financial fragility
Previous research has related household financial fragility (FF) and the employment status of the household members by focusing only on the labour income channel. In contrast, the literature has scarcely addressed the study of this relationship from a psychological perspective that could be related to the theory of bounded rationality. This article aims to analyse how job expectations relate to the level of household FF. Using a sample of 8554 Sp…
La Vulnerabilidad Financiera en España
La vulnerabilidad financiera (VF) de los hogares ha ganado interés entre los responsables políticos durante las dos últimas décadas. Además, la VF parece estar más extendida entre el género femenino. Siguiendo a Arellano y Cámara (2021), el 55,7% de las mujeres españolas padecía en 2017 una elevada VF, frente al 44,28% de sus homólogos masculinos. Este trabajo contempla dos objetivos. En primer lugar, se explora la relación entre el género y el r…
A Comprehensive Approach to Measuring Financial Vulnerability and Literacy
In the aftermath of the 2007-08 financial crisis, the worsening financial conditions of households increased concerns about their financial vulnerability (FV). In this context, policymakers embraced the notion of financial knowledge to foster sound financial behaviors among individuals and households, aiming to mitigate the detrimental effects of FV on households' financial wellbeing and the overall economy. However, the relationship between FV a…
The effect of population size and technological collaboration on firms' innovation
In the current knowledge economy, firms hardly innovate alone; the collaboration with other partners has become crucial for successful innovation. Literature has recently focused on two modes of collaboration: the learning-by-doing, by-using and by-interacting (DUI) and science and technology-based innovation (STI). Nevertheless, collaboration seems to be easier if firms are located in highly populated areas. This paper aims to analyse whether th…
Impact of working capital management on profitability for Spanish fish canning companies
Credit restrictions, such as those happening in the current context shaped by the crisis derived from COVID-19, make working capital management (WCM) a driving force behind SME performance. This paper analyses whether WCM policies affect the economic and financial profitability of Spanish companies in the fish canning industry. Spain leads the EU’s production of canned seafood and the seafood industry is a key sector for the Spanish economy. To a…
Size and survival
Universities have created USOs to exploit the research knowledge and contribute to the economic development of their regions in the last decades, leading to an extensive literature on the topic. However, this growing literature has widely overlooked the links between firm size and survival. This paper explores simultaneously the role of size and other firm characteristics on the likelihood of the USOs’ survival, mainly drawing on the RBV of the f…
Innovation in cultural and creative industries firms with an academic origin (CCI-USOs)
Individual and joint effect of patenting and exporting on the university spin-offs’ survival
The effect of self-control upon participation in voluntary pension schemes
Population ageing, together with the recent economic downturn and its aftermath, are giving considerable cause for concern as regards the future sustainability of public pension systems. Voluntary pension schemes emerge here as an alternative to supplement the public pension pillar, and therefore, understanding how individuals make their financial decisions when participating in voluntary pension schemes becomes a question of key importance. Ther…
The Influence of Attitude to Money on Individuals' Financial Well-Being
The influence of sociability over non-mortgage debt
In recent years, especially after the recent economic downturn, household debt has increased in importance, due to its influence on the economy in general and on households' wellbeing in particular. Therefore, the study of household debt turns out to be necessary in order to know what leads to its demand, and thus to avoid situations of over-indebtedness. In this regard, previous research has analysed debt decisions from different approaches, how…
Understanding cross-regional differences in stock market participation
Previous research on the effect of risk preferences on stock market participation (SMP) has applied an individual-based approach without modelling how contextual factors may influence individuals’ attitudes. By adopting an ‘interactionist approach’, this article explores the role of the region’s risk attitudes in the SMP decision, together with individuals’ risk preferences. Using a sample of 57,491 individuals living in 60 European regions in 20…
Gender differences in growth of Spanish university spin-offs
Purpose The purpose of this paper is to explore the hypothesis that the female-owned university spin-off organizations (USOs) have a similar resource endowment and, as a consequence, growth rates similar to the male-owned USOs. Design/methodology/approach A unique and original longitudinal data set, which is an unbalanced panel, consisting of 120 Spanish USOs over the period 2001-2010 has been constructed. The methodology includes the analysis of…
El emprendimiento tecnológico en Suramérica
Este artículo analiza los determinantes individuales del emprendimiento tecnológico en Suramérica y si difieren de aquellos que impulsan el emprendimiento convencional. Con esto se contribuye a la comprensión de las nuevas empresas de base tecnológica (nebt) en pro de su impulso para fomentar en la región economías que se basen en la innovación. Utilizando modelos de regresión logística y los datos del Global Entrepreneurship Monitor (gem) para 2…
The Influence of Social Models on Retirement Savings
Cómo Mejorar la Asimilación de los Contenidos Teóricos por parte del Alumnado Universitario? Una Aplicación del One Minute Paper en Contabilidad
El Espacio Europeo de Educación Superior (EEES) promueve la aplicación de nuevas técnicas docentes para lograr una interacción significativa alumno- docente, corrigiendo problemas de aprendizaje oportuna y eficazmente. Este trabajo analiza la técnica one minute paper en estudios de grado universitario, y sus implicaciones sobre el rendimiento académico. Frente a un enfoque predominantemente teórico de trabajos previos, se aporta evidencia empíric…
Exploring The Gender Effect On Europeans’ Retirement Savings
This paper investigates whether European women have the same probability of saving for retirement as European men and if driving factors for this saving behavior differ by gender. The evidence is based on a sample of 6,036 individuals from eight European countries (France, Germany, Italy, the Netherlands, Poland, Spain, Sweden, and the United Kingdom). The results show that European women are less likely to save for retirement than men, although …
The Influence of Attitude to Money on Individuals' Financial Well-Being
The Influence of Social Models on Retirement Savings
Exploring The Gender Effect On Europeans’ Retirement Savings
This paper investigates whether European women have the same probability of saving for retirement as European men and if driving factors for this saving behavior differ by gender. The evidence is based on a sample of 6,036 individuals from eight European countries (France, Germany, Italy, the Netherlands, Poland, Spain, Sweden, and the United Kingdom). The results show that European women are less likely to save for retirement than men, although …
Gender differences in growth of Spanish university spin-offs
Purpose The purpose of this paper is to explore the hypothesis that the female-owned university spin-off organizations (USOs) have a similar resource endowment and, as a consequence, growth rates similar to the male-owned USOs. Design/methodology/approach A unique and original longitudinal data set, which is an unbalanced panel, consisting of 120 Spanish USOs over the period 2001-2010 has been constructed. The methodology includes the analysis of…
Cómo Mejorar la Asimilación de los Contenidos Teóricos por parte del Alumnado Universitario? Una Aplicación del One Minute Paper en Contabilidad
El Espacio Europeo de Educación Superior (EEES) promueve la aplicación de nuevas técnicas docentes para lograr una interacción significativa alumno- docente, corrigiendo problemas de aprendizaje oportuna y eficazmente. Este trabajo analiza la técnica one minute paper en estudios de grado universitario, y sus implicaciones sobre el rendimiento académico. Frente a un enfoque predominantemente teórico de trabajos previos, se aporta evidencia empíric…
Cómo Mejorar la Asimilación de los Contenidos Teóricos por parte del Alumnado Universitario? Una Aplicación del One Minute Paper en Contabilidad
El Espacio Europeo de Educación Superior (EEES) promueve la aplicación de nuevas técnicas docentes para lograr una interacción significativa alumno- docente, corrigiendo problemas de aprendizaje oportuna y eficazmente. Este trabajo analiza la técnica one minute paper en estudios de grado universitario, y sus implicaciones sobre el rendimiento académico. Frente a un enfoque predominantemente teórico de trabajos previos, se aporta evidencia empíric…
Exploring The Gender Effect On Europeans’ Retirement Savings
This paper investigates whether European women have the same probability of saving for retirement as European men and if driving factors for this saving behavior differ by gender. The evidence is based on a sample of 6,036 individuals from eight European countries (France, Germany, Italy, the Netherlands, Poland, Spain, Sweden, and the United Kingdom). The results show that European women are less likely to save for retirement than men, although …
The Influence of Social Models on Retirement Savings
Gender differences in growth of Spanish university spin-offs
Purpose The purpose of this paper is to explore the hypothesis that the female-owned university spin-off organizations (USOs) have a similar resource endowment and, as a consequence, growth rates similar to the male-owned USOs. Design/methodology/approach A unique and original longitudinal data set, which is an unbalanced panel, consisting of 120 Spanish USOs over the period 2001-2010 has been constructed. The methodology includes the analysis of…
El emprendimiento tecnológico en Suramérica
Este artículo analiza los determinantes individuales del emprendimiento tecnológico en Suramérica y si difieren de aquellos que impulsan el emprendimiento convencional. Con esto se contribuye a la comprensión de las nuevas empresas de base tecnológica (nebt) en pro de su impulso para fomentar en la región economías que se basen en la innovación. Utilizando modelos de regresión logística y los datos del Global Entrepreneurship Monitor (gem) para 2…
The influence of sociability over non-mortgage debt
In recent years, especially after the recent economic downturn, household debt has increased in importance, due to its influence on the economy in general and on households' wellbeing in particular. Therefore, the study of household debt turns out to be necessary in order to know what leads to its demand, and thus to avoid situations of over-indebtedness. In this regard, previous research has analysed debt decisions from different approaches, how…
Understanding cross-regional differences in stock market participation
Previous research on the effect of risk preferences on stock market participation (SMP) has applied an individual-based approach without modelling how contextual factors may influence individuals’ attitudes. By adopting an ‘interactionist approach’, this article explores the role of the region’s risk attitudes in the SMP decision, together with individuals’ risk preferences. Using a sample of 57,491 individuals living in 60 European regions in 20…
Innovation in cultural and creative industries firms with an academic origin (CCI-USOs)
Individual and joint effect of patenting and exporting on the university spin-offs’ survival
The effect of self-control upon participation in voluntary pension schemes
Population ageing, together with the recent economic downturn and its aftermath, are giving considerable cause for concern as regards the future sustainability of public pension systems. Voluntary pension schemes emerge here as an alternative to supplement the public pension pillar, and therefore, understanding how individuals make their financial decisions when participating in voluntary pension schemes becomes a question of key importance. Ther…
The Influence of Attitude to Money on Individuals' Financial Well-Being
Impact of working capital management on profitability for Spanish fish canning companies
Credit restrictions, such as those happening in the current context shaped by the crisis derived from COVID-19, make working capital management (WCM) a driving force behind SME performance. This paper analyses whether WCM policies affect the economic and financial profitability of Spanish companies in the fish canning industry. Spain leads the EU’s production of canned seafood and the seafood industry is a key sector for the Spanish economy. To a…
Size and survival
Universities have created USOs to exploit the research knowledge and contribute to the economic development of their regions in the last decades, leading to an extensive literature on the topic. However, this growing literature has widely overlooked the links between firm size and survival. This paper explores simultaneously the role of size and other firm characteristics on the likelihood of the USOs’ survival, mainly drawing on the RBV of the f…
The effect of population size and technological collaboration on firms' innovation
In the current knowledge economy, firms hardly innovate alone; the collaboration with other partners has become crucial for successful innovation. Literature has recently focused on two modes of collaboration: the learning-by-doing, by-using and by-interacting (DUI) and science and technology-based innovation (STI). Nevertheless, collaboration seems to be easier if firms are located in highly populated areas. This paper aims to analyse whether th…
La Vulnerabilidad Financiera en España
La vulnerabilidad financiera (VF) de los hogares ha ganado interés entre los responsables políticos durante las dos últimas décadas. Además, la VF parece estar más extendida entre el género femenino. Siguiendo a Arellano y Cámara (2021), el 55,7% de las mujeres españolas padecía en 2017 una elevada VF, frente al 44,28% de sus homólogos masculinos. Este trabajo contempla dos objetivos. En primer lugar, se explora la relación entre el género y el r…
A Comprehensive Approach to Measuring Financial Vulnerability and Literacy
In the aftermath of the 2007-08 financial crisis, the worsening financial conditions of households increased concerns about their financial vulnerability (FV). In this context, policymakers embraced the notion of financial knowledge to foster sound financial behaviors among individuals and households, aiming to mitigate the detrimental effects of FV on households' financial wellbeing and the overall economy. However, the relationship between FV a…
Self-control and debt decisions relationship
In recent years, households have become increasingly indebted, which constitutes a matter of concern. Based on a sample from the Spanish Survey of Financial Competences , this paper examines the relationship between self-control and consumer borrowing behaviour and, in so doing, it proposes a new multi-item scale of individual’s self-control in financial matters and considers several types of consumer debt, thus overcoming the main gaps identifie…
Job expectations and financial fragility
Previous research has related household financial fragility (FF) and the employment status of the household members by focusing only on the labour income channel. In contrast, the literature has scarcely addressed the study of this relationship from a psychological perspective that could be related to the theory of bounded rationality. This article aims to analyse how job expectations relate to the level of household FF. Using a sample of 8554 Sp…
Estudio de la situación, condiciones y expectativas laborales en relación con la fragilidad financiera de los hogares en España
La fragilidad financiera de los hogares (FFH) ha aumentado de forma sostenida durante las últimas décadas, convirtiéndose en un desafío para las economías de los países occidentales. Aunque la literatura ha analizado diversos determinantes laborales, se ha prestado poca atención a las condiciones y expectativas laborales, y se ha considerado la FFH como un fenómeno unidimensional. Este artículo relaciona la FFH en España, utilizando un índice mul…
Sound Financial Practices and Entrepreneurs' Socio‐Environmental Commitment
Small enterprises (SEs) constitute a major component of economic systems, and their socio‐environmental commitment is critical for promoting societal well‐being. This paper examines the direct effect of sound financial practices on socio‐environmental commitment and evaluates the mediating role of financial constraints—specifically debt and equity—within Spanish SEs. Addressing gaps in sustainability research regarding the social dimension and fi…
Problemas de salud y endeudamiento de los hogares en España
OBJECTIVE: To examine whether health problems, measured by the number of chronic conditions and self-perceived health status, are associated to the ownership and amount of consumer and mortgage debt in Spain. METHOD: A cross-sectional study based on data from the SHARE survey, referred to 2021-2022. The final sample comprises 1583 individuals residing in Spain, mostly aged 50 and over. The empirical analysis was conducted in two stages: first, a …
Age and Financial Vulnerability Dimensions
Financial vulnerability (FV) is a multidimensional phenomenon that appears to show different patterns across age groups. However, the evidence on the FV-age relationship remains limited and inconclusive. This lack of definitive findings may stem from limitations in measuring FV, typically through one-dimensional indicators. Using a novel conceptual framework proposed by Voith and Mauser (2024), we explore whether the sensitivity, (low) resilience…
Economics (13 works) · Financial Literacy, Pension, Retirement Analysis (13 works) · Business (11 works) · Finance (9 works) · Geography (6 works) · Demographic economics (5 works) · Political science (5 works) · Psychology (5 works) · Sample (material (5 works) · Debt (4 works)