An Empirical Analysis of the Relationship Between Spirituality and Financial Decision-Making: A Survey of Church Members

Financial decision-making has long been examined through economics, psychology, and sociology, yet spirituality—particularly religious faith—represents a central but often overlooked factor. For many church members, financial choices such as saving, giving, investing, and avoiding debt are not simply economic activities but also expressions of spiritual duty, moral responsibility, and trust in God. This study investigates how spirituality influences financial decision-making by analyzing survey responses from active church members.