Over the decades, considerable studies have established the connection between values and their relevance to consumer behaviors. However, there needs to be more research on how values impact decision-making roles within the family. Accordingly, this paper seeks to address this apparent gap. This conceptual paper draws from the mixed review of the extant literature that revolves around the key themes of this subject. This paper emphasized the significance of values within the family setting and their potential impact on decision roles between husband and wife. The paper draws on The Theory of Basic Human Values to understand decision-making power about personal values. With this model, a four-category typology of family types is suggested in this paper and their decisive role outcomes. Traditional Valued Couple, Power Valued Couple, and Security Valued Couple. This paper has significant implications for family purchase decisions about segmentation, targeting, advertising, and personal selling. It also brings to attention how deeply ingrained values are and how they affect the dynamics of husbands' and wives’ decision-making. This paper explores the concepts of decision roles in family settings within the marketing literature vis-à-vis the role of values, which is rarely examined.
Abdulrazak, R. M., and Gbadamosi, A. (2017), "Trust, religiosity, and relationship marketing: a conceptual overview of consumer brand loyalty", Society and Business Review, Vol. 12 No. 3, pp. 320-339.
Asshidin, N. H. N., Abidin, N., & Borhan, H. B. (2016). Perceived Quality and Emotional Value that Influence Consumer's Purchase Intention towards American and Local Products. Procedia Economics and Finance, 35, 639-643. https://doi.org/10.1016/S2212-5671(16)00078-2
Alhassan, A. L., & Biekpe, N. (2016). Insurance market development and economic growth:Exploring Causality in 8 Selected African Countries. http://doi.org/10.1108/IJSE-
Ampaw, S., Nketiah-Amponsah, E., and Owoo, N. S. (2018), "Gender perspective on life insurance demand in Ghana", International Journal of Social Economics, Vol. 45 No. 12, pp. 1631-1646
Annamalah, S. (2013) Profiling and purchasing decision of life insurance policies among married couples in Malaysia World Applied Sciences Journal, 23 (3) (2013), pp. 296-304
Anu, A., Aavik, T., and Korgesaar, J. (2006) “Parenting practices and personal values: comparison between parents of institutionalized and non-institutionalized adolescents”. Trames 10, 1, 44–56.
Anyasor Okwuchukwu Marcus. (2019). Dominance of spouses of Igbo households in purchase decision of household goods in Anambra State, Nigeria. British Journal of Marketing Studies (BJMS) 7(3), 44 – 72.
Asshidin, N. H., Abidin, N., and Borhan, H. B. (2016) “Perceived quality and emotional value that influence consumer's purchase intention towards American and local products,” Procedia Economics and Finance, 35, pp. 639–643. Available at: https://doi.org/10.1016/s2212-5671(16)00078-2.
Ayantunji Gbadamosi. (2012). Exploring Children, Family, and Consumption Behavior: Empirical Evidence from Nigeria. Thunderbird International Business Review, 49(5), 591–605. http://doi.org/10.1002/tie
Babiarz, P., Robb, C. A., & Woodyard, A. (2012). Family Decision Making and Resource Protection Adequacy. Journal of Consumer Affairs, 46(1), 1–36.
Belch, M., and Willis, L. (2002) Family decision at the turn of the century: has the changing structure of households impacted the family decision-making process? J Consum Behav, 2 (2) , pp. 111 124
Bokek-Cohen, Y. (2011). Marital power bases as predictors of spousal influence strategies in a vacation purchase decision. International Journal of Culture, Tourism, and Hospitality Research, 5(2), 144–157.
Bright O. C., & Gideon, U. C. (2015). EMPIRICAL STUDY OF FAMILY PURCHASE DECISION FOR DURABLE GOODS : THE NIGERIA EXPERIENCE, 8(4), 219–228
Buric Novovic, M., Bacovic, M., Cerovic, J., Bozovic, Lipovina, M. (2017) “Factors Influencing Life Insurance Market Development in Montenegro”, Periodica Polytechnica Social and Management Sciences, 25(2), pp. 141–149.
Cavanaugh, L. A. (2016). Consumer behavior in close relationships. Current Opinion in Psychology, 10, 101-106. https://doi.org/10.1016/j.copsyc.2015.11.004
Chwialkowska, A., Bhatti, W. A., & Glowik, M. (2020). The influence of cultural values on pro-environmental behavior. Journal of Cleaner Production, 268, 122305. https://doi.org/10.1016/j.jclepro.2020.122305
Childers, T., & Ferrell, O. (1981). Husband-wife decision-making in purchasing and renewing auto insurance.The Journal of Risk and Insurance, 48, 482–493.
Davis, H. L., and Rigaux, B. P. (1974) ‘Perception of Marital Roles in Decision Processes’, Journal ofConsumer Research,1 (June), 51–62.
Davis, H. (1976), ‘Decision Making Within the Household’, Journal of Consumer Research, 2 (March), pp241-260
De Mooij, M., & Beniflah, J. (2016). Measuring cross-cultural differences of ethnic groups within nations: Convergence or divergence of cultural values? The case of the United States. Journal of International Consumer Marketing, 29(1), 2–10
Dragos, S. L., Dragos, C. M., & Muresan, G. M. (2020). From intention to decision in purchasing life insurance and private pensions: Different effects of knowledge and behavioural factors. Journal of Behavioral and Experimental Economics, 87, 101555. https://doi.org/10.1016/j.socec.2020.101555
Fitzsimmons, V. S. (1989) Wife's role in monthly insurance expenditures. J Fam Econ Iss 10, 249–261. https://doi.org/10.1007/BF00989510
Granbois, D. H. (1971), ‘A Multilevel Approach to Fmaily Role Structure Research. In D. M. Gardner (ed.) Advances in Consumer Research, pp99-107. Green.
Green R., Leonardi J. P., Chandon J. L., Cunningham I., Verhage B., Strazzieri A. (1983). Societal Development and Family Purchasing Roles: A Cross-national Study, Journal of Consumer Research vol. 9, pp. 436-442.
Grundy, E. (2005). Reciprocity in relationships: Socio-economic and health influences on intergenerational exchanges between third age parents and their adult children in Great Britain. The British Journal of Sociology, 56, 233–255. doi:10.1111/j.1468-4446.2005.00057.x
Halim, H., & Dinaroe. (2019). The influence of Money Attitude, Lifestyle, and Personal Values on Purchase Decision of Exclusive Gadgets in Aceh. AJEFB - Asian Journal of Entrepreneurship and Family Business, 3(1).
Harcar, T., & Spillan, J. E. (2006). Exploring Latin American family decision-??making 101 using correspondence analysis. Journal of World Business, 41(3), 221–232. http://doi.org/10.1016/j.jwb.2006.01.009
Hawkins, J. D., Beyers, J. M., Toumbourou, J. W., Catalano, R. F., & Arthur, M. W. (2004). A cross-national comparison of risk and protective factors for adolescent substance use: The United States and Australia. Journal of Adolescent Health, 35, 3–16.
Heilman, R. M., & Kusev, P. (2020). Personal Values Associated with Prosocial Decisions. Behavioral Sciences, 10(4), 77. MDPI AG. Retrieved from
http://dx.doi.org/10.3390/bs10040077
Hill, C. W. L. (2002), International Business, McGraw-Hill Irwin, New York, NY.
Hofstede, G. (1980), Culture’s Consequences: International Differences in Work-related Values, Sage Publications, Beverly Hills, CA.
Hofstede, G. (2001). Culture's Consequences: Comparing Values, Behaviors, Institutions
Hofstede, G., Hofstede, G. J., & Minkov, M. (2010). Cultures and Organizations:
Islam, S. (2014). Effect of Values on Family Relationships. Indian Journal of Positive Psychology. 5(Vo 5(4) https://www.questia.com/library/journal/1P3-3591963281/effect- of-values-on-family-relationships).
Kancheva, I., & Marinov, G. (2014). Perceptions of marital roles in basic commodity groups purchase decision-making. Annales Universitatis Apulensis: Series Oeconomica, 16(1), 156.
Karami, M., Olfati, O., and Dubinsky, A. J. (2017), "Key cultural values underlying consumers’ buying behaviour: a study in an Iranian context", Journal of Islamic Marketing, Vol. 8 No. 2, pp. 289-308
Kautish, P., and Sharma, R. (2021), "Study on relationships among terminal and instrumental values, environmental consciousness and behavioral intentions for green products", Journal of Indian Business Research, Vol. 13 No. 1, pp. 1-29
Knafo, A., & Schwartz, S. H. (2016). Value Socialization in Families of Israeli-Born and Soviet-Born Adolescents in Israel. Journal of Cross-Cultural Psychology. https://doi.org/10.1177/0022022101032002008
Legoherel, P., Dauce, B., Hsu, C. H. C., & Ranchhold, A. (2009). Culture, time orientation, and exploratory buying behavior. Journal of International Consumer Marketing, 21(2), 93–107.
Lien, N. H., Westberg K., Stavros, C., and Robinson, L. J. (2018) “Family decision-making in an emerging market: Tensions with tradition,” Journal of Business Research, 86, pp. 479–489. Available at: https://doi.org/10.1016/j.jbusres.2017.09.003.
Mahdzan, N. S., & Victorian, S. M. P. (2013). The Determinants of Life Insurance Demand: A Focus on Saving Motives and Financial Literacy. Asian Social Science, 9
Masud, M. M., Ahsan, M. R., Ismail, N. A., and Rana, M. S. (2021), "The underlying drivers of household purchase behaviour of life insurance", Society and Business Review, Vol. 16 No. 3, pp. 442-458
Millo G., and Carmeci G. (2015) A subregional panel data analysis of life insurance consumption in Italy Journal of Risk and Insurance, 82 (2) (2015), pp. 317-340
Ondruska, T., Pastorakova, E., and Brokesova, Z. (2016). Personal, Demographic and Economic Determinants of the Life Insurance Consumption. Sixth Asia-Pacific Conference on Global Business, Economics, Finance and Social Sciences (AP16Thai Conference) ISBN: 978-1-943579-10-5
William, J. Q. (1982) ,"Changing Sex Roles: Its Impact Upon Family Decision Making", in NA - Advances in Consumer Research Volume 09, eds. Andrew Mitchell, Ann Abor, MI : Association for Consumer Research, Pages: 267-270.
Rohan, M. J. (2000). A Rose by Any Name? The Values Construct. Personality and Social Psychology Review, 4(3), 255–277. https://doi.org/10.1207/S15327957PSPR0403_4
Rojas-de-Gracia, M. M., & Alarcon-Urbistondo, P. (2018). Couple roles in subdecisions on family vacations. Cornell Hospitality Quarterly, 59(2), 160-173.
Rokeach-Ball, S. J. (1973). Values and violence: A test of the subculture of violence thesis. Am. Sociological Rev. 38: 736–749.
Samsinar, S. M., Dahlia, Z., & Teo, B. H. (2013). Factors Affecting Wives’ Role Structure in Urban Family Purchase Decision Making [Review of Factors Affecting Wives’ Role Structure in Urban Family Purchase Decision Making]. Social Sciences & Humanities, 21, 189–200.
Schwartz, S. H. (1992). Universals in the content and structure of values: Theory and empirical tests in 20 countries. In M. Zanna (Ed.), Advances in experimental social psychology (Vol. 25, pp. 1-65). New York: Academic Press.
Schwartz, S. H., & Rubel-Lifschitz, T. (2009). Cross-national variation in the size of sex
differences in values: Effects of gender equality. Journal of Personality and Social Psychology, 97(1), 171–185
Skinner, S. J., and Dubinsky, A. J. (1984). Purchasing Insurance: Predictors of Family Decision-Making Responsibility, Journal of Risk and Insurance, 51(3), 513-523.
Scott, R. (1970). Husband-wife interaction in a household purchase decision. Southern Journal of Business, 5, 218-225.
Sony, A., and Ferguson, D. (2017), "Unlocking consumers’ environmental value orientations and green lifestyle behaviors: A key for developing green offerings in Thailand," Asia-Pacific Journal of Business Administration, Vol. 9 No. 1, pp. 37-53
Sen, Subir, and Madheswaran, S. (2013). Regional determinants of life insurance consumption: Evidence from selected Asian economies. Asian-Pacific Economic Literature 27: 86–103
Souiden Nizar, and Yosr, A. (2015) "The impact of Islamic beliefs on consumers’ attitudes and purchase intentions of life insurance", International Journal of Bank Marketing, Vol. 33 Issue: 4, pp.423-441,
Stringer, T., Mortimer, G., and Payne, A. R. (2020), "Do ethical concerns and personal values influence the purchase intention of fast-fashion clothing?", Journal of Fashion Marketing and Management, Vol. 24 No. 1, pp. 99-120.
Susilo, S. (2020). The Role of Families in Cultivating Children’s Personality Values: An Analysis of Social Psychology Education. Journal of Social Studies Education Research, 11(4), 275-303.
Swiss Re. (2019). World insurance in 2019: The great pivot east continues. Sigma. https://www.swissre.com/institute/ research/sigma-research/World-insurance-series.html
Wen, J., Huang, S. S., & Ying, T. (2019). Relationships between Chinese cultural values and tourist motivations: A study of Chinese tourists visiting Israel. Journal of Destination Marketing & Management, 14, 100367. https://doi.org/10.1016/j.jdmm.2019.100367
Wibisono, C. (2013). The Impact of Husbands’ Perception and Value towards Family Purchase Decision Patterns. Journal of Economics and Behavioral Studies, 5(8), pp. 522-534. https://doi.org/10.22610/jebs.v5i8.426
Xia, Y., Ahmed, Z. U., Ghingold, M., Hwa, N. K., Li, T. W., & Ying, W. T. C. (2006). Spousal influence in Singaporean family purchase decision-??making process: A cross-?? cultural comparison. Asia Pacific Journal of Marketing and Logistics, 18(3), 201–222. http://doi.org/10.1108/13555850610675661
Zerriaa, M., Amiri, M. M., Noubbigh, H., and Naoui, K. (2017). Determinants of Life Insurance Demand in Tunisia. African Development Review 29 (1): 69–80.
Zhang, Q., Seetharaman, P. B., & Narasimhan, C. (2012). The Indirect Impact of Price Deals on Households’ Purchase Decisions Through the Formation of Expected Future Prices. Journal of Retailing, 88(1), 88–101