Asbi, A.Ramiah, V.Yu, X.Wallace, D.Moosa, N.Reddy, K.2025-12-182025-12-182020Accounting and Finance, 2020; 60(1):15-460810-53911467-629Xhttps://hdl.handle.net/11541.2/140791View references (87)We investigate the contribution of demographic factors, behavioural characteristics and financial literacy to recovery from the financial losses inflicted by the Black Saturday bushfire. Behavioural characteristics (such as overconfidence, self-serving and loss aversion biases) in conjunction with bushfire survivors' knowledge of financial indicators are used to determine recovery time. Data are collected through in-depth interviews with bushfire survivors, academics and experts in natural disasters. The results show that demographic, behavioural and financial literacy factors have the potential to enhance the recovery process.enCopyright 2019 Accounting and Finance Association of Australia and New Zealandbehavioural financeBlack Saturdaybushfiredemographic factorsJournal article10.1111/acfi.125752-s2.0-85075440305