Volume 2 - Issue 3, May - June 2026

Consumption patterns and economic decisionmaking are strongly influenced by cultural values, whichshape attitudes toward spending, saving, debt, risk, luxury, and collective versus individual economic behaviour. This study presents a cross-cultural comparative analysis of the influence of Hofstede’s cultural dimensions individualism versus collectivism, power distance, long-term orientation, and indulgence versus restraint on consumption and economic decision-making across the United States, Germany, China, Nigeria, and India. A systematic narrative review was conducted using peer-reviewed literature from Scopus, ScienceDirect, Web of Science, Wiley Online Library, and Springer Nature. Data from 35 studies, supplemented with national economic statistics from the IMF, World Bank, and OECD, were synthesised to generate comparative indicators. A structural synthesis model was developed to examine the pathways linking cultural values to economic behaviours. The findings reveal significant cross-cultural differences in consumption and saving patterns. Collectivist societies, including China, Nigeria, and India, demonstrate higher household savings rates and stronger group-based purchasing tendencies than individualist societies. Individualism was negatively associated with savings rates across countries (r = - 0.71, p < 0.01), while long-term orientation emerged as a strong predictor of saving behaviour (β = +0.63, p < 0.01). Higher power distance was associated with greater luxury and status-oriented consumption. Structural path analysis further showed that cultural values influence consumption, savings, and risk attitudes through interconnected behavioural pathways. The study concludes that cultural values are significant determinants of economic decision-making and consumer behaviour. Therefore, consumer theory, marketing strategies, and economic policies should incorporate cultural dimensions rather than relying solely on universal models of rational economic behaviour.

Hauwa Abdullah Seghosime, Momoh Aneru Radietu, Aisha Isah Shaibu,"A Cross-Cultural Comparative Study of the Influence of Cultural Values on Consumption Patterns and Economic Decision-Making Behaviours" International Journal of Advanced Multidisciplinary Research and Educational Development, V2(3): Page(1111-1119) May-June 2026. ISSN: 3107-6513. www.ijamred.com. Published by Scientific and Academic Research Publishing.