SEM-Tree hybrid models in the preferences analysis of the members of Polish households

The purpose of the paper is to identify the dimensions of the strategy of resources allocation of Polish households members and test the hypothesis concerning risky shift effect in the relationship between strategy of family decision making and trade-off in family scarce resources allocation. These dimensions were identified on the basis of nationwide empirical data gathered on a representative sample of 1020 respondents nested in 410 households. SEM-Tree hybrid models are used in the analysis of the results, which combine the confirmatory structural equation models with exploratory and predictive classification and regression trees. This allows to apply structural modeling for the study of heterogeneous populations and to assess the hierarchical impact of exogenous predictors on the identification of segments with separate and unique model structural parameters. The approach combines the advantages of a model approach (at the stage of constructing hypotheses on structural relationships and specifications of measurement models) and exploration-based data (at the stage of recursive division of the sample).