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F3a Financial Need and Motivation as Descriptors of GIG Employment
Short Description
This study provides a comprehensive description of those who work in contingent and alternative forms of employment—the GIG economy. Using a sample of over 20,000 individuals gathered between 2018 and 2022, this study used discriminant analysis and logistic and OLS regression models to determine that those who work in GIG jobs share a common demographic, financial need, and motivational profile. Specifically, younger Hispanic/Latino and White males who reside in larger households and earn money through wages, by the job, or commission are more likely to report participating in the GIG economy. Additionally, those who exhibit a financial need through a lower credit score, lack of savings, the presence of a bank or payday loan, and those who have pawned belongings or taken an advance on a paycheck are also more likely to report holding at least one GIG job. Motivational factors are important as well. Those who hold an internal locus of control perspective and have access to a retirement plan are more likely to report participating in a GIG activity, whereas those who distrust traditional financial institutions are also more likely to work a GIG job.
Type of presentation
Accepted Oral Presentation