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Journal articles on the topic 'Financial literacy'

Author: Grafiati
Published: 4 June 2021
Last updated: 30 July 2024

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1

Rahim, Nurhazrina Mat, Norli Ali, and Mohd Fairuz Adnan. "Students' Financial Literacy: Digital Financial Literacy Perspective." 13th GLOBAL CONFERENCE ON BUSINESS AND SOCIAL SCIENCES 13, no. 1 (June 16, 2022): 1. http://dx.doi.org/10.35609/gcbssproceeding.2022.1(9).

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Financial instability and a lack of financial literacy are commonly blamed for the growth in bankruptcy and social concerns among the younger generation. Between 2017 and October 2021, 36,173 Malaysians aged 18 to 44 were declared bankrupt, according to the latest numbers from the Malaysian Department of Insolvency. Furthermore, Selangor had the highest number of instances (25 per cent) (MdI, 2021). This problem offers a substantial obstacle to achieving the Sustainable Development Goals (SDGs), which aim to reduce inequality and promote social and economic inclusion for all citizens. Additionally, due to the recent outbreak of Pandemic COVID-19, financial transactions have shifted from physical to electronic. This circumstance creates an additional risk since it has resulted in the ease of conducting financial transactions. Thus, it is vital for students to have a solid understanding and awareness of online transactions, commonly referred to as digital financial literacy (DFL), to practice sound financial management. Financial literacy deficiencies (both fundamental and digital) would pose a substantial threat to individual financial management. As a result, assessing current university students' financial literacy is crucial. Most of these students will confront financial challenges such as budgeting for study-related costs using the scholarship or pocket money they earned. This research aims to determine the degree of financial literacy (both basic and digital) among Selangor university students. Keywords: Financial literacy, Financial confidence, Digital financial literacy, Digital financial knowledge, Students
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Rahim, Nurhazrina Mat, Norli Ali, and Mohd Fairuz Adnan. "Students’ Financial Literacy: Digital Financial Literacy Perspective." GATR Journal of Finance and Banking Review 6, no. 4 (March 30, 2022): 18–25. http://dx.doi.org/10.35609/jfbr.2022.6.4(2).

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Objective - This study aims to assess students' financial literacy levels using digital financial literacy (DFL), the most recent element. Methodology – Students who are based in Selangor, Malaysia, were chosen for this study as they recorded a high rate of youth bankruptcy. Convenience sampling was used to distribute the questionnaires among the students between March and August of 2021, where a total of 184 responses were retrieved. Findings and Novelty – The results indicated that students possessed advanced financial knowledge and confidence. Despite the extensive experience in completing online financial transactions, the students lack digital financial knowledge and an understanding of the risks associated with digital financial services. Therefore, including DFL in financial education is essential to ensuring future generations' financial well-being. This study also adds to the limited literature on financial digital literacy and serves as an eye-opener to policymakers on its importance in financial education. Type of Paper - Empirical Keywords: Financial literacy, financial confidence, Digital financial literacy, Digital financial knowledge, Students JEL Classification: I22, M29, O16
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3

Sameer El Khatib, Ahmed. "Financial Literacy." International Journal for Innovation Education and Research 9, no. 3 (March 1, 2021): 47–62. http://dx.doi.org/10.31686/ijier.vol9.iss3.2971.

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The present paper explores various approaches to the development of cognitive process dimensions in financial literacy. Applying the regression model, the study has examined the strength of the relationship between the actual financial competence of 413 Brazilian’s students aged 18-21, studying economic disciplines, and their school performance. The research has produced the following conclusions: (a) a weak dependence of actual skills on school performance; (b) inherently associated consequence of school performance is not corresponding to the actual financial skills; (c) a low level of financial competence in the dimensions - Remember, Understand and Apply.
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4

Filbeck, Greg, Jason Pettner, and Xin Zhao. "Financial literacy." Financial Services Review 28, no. 4 (November 16, 2023): 315–40. http://dx.doi.org/10.61190/fsr.v28i4.3435.

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The CFA Society Pittsburgh launched a high school financial literacy campaign resulting in sig- nificant improvements in financial behavior, subjective and objective financial knowledge, and self- esteem. Before the campaign, male students and students with higher grade point averages (GPAs) show better objective knowledge. In addition, we find disconnect between actual and perceived fi- nancial knowledge. Students exhibited gains in all aspects after completing the program. The subca- tegories with the lowest pre-survey scores or female students show the greatest improvements in the post-survey. Students with lower GPAs experienced greater improvement in financial behavior and objective knowledge, while higher GPA students improved more in subjective knowledge.
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Worthington, Andrew C. "Financial literacy and financial literacy programmes in Australia." Journal of Financial Services Marketing 18, no. 3 (September 2013): 227–40. http://dx.doi.org/10.1057/fsm.2013.18.

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Rani, Pooja, and Neelam Jain. "FINANCIAL LITERACY: A KEY DRIVER TO FINANCIAL INCLUSION." BSSS Journal of Management 14, no. 1 (June 30, 2023): 8–19. http://dx.doi.org/10.51767/jm1402.

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Financial Inclusion and the level of financial literacy of their citizens has recently become a growing concern for developed and emerging economies. Since financial markets have grown more complex and it has become increasingly difficult for the common person to decide wisely, financial literacy has become more and more important. The purposes of this paper are to provide an outline of financial literacy and financial inclusion and to investigate the contribution that financial literacy makes to the advancement of financial inclusion. In order to achieve this goal, several measures taken by financial authorities to promote financial literacy are studied, which eventually increases financial inclusion in the nation. According to an RBI report, these actions assisted in raising the Financial Inclusion Index to 56.4 in March 2022 from 53.9 in March 2021.Financial inclusion, financial growth, and financial stability are all attributed to financial literacy.
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7

Lethepa, Alicia, Reon Matemane, and Nyasha Dhlembeu. "Bankers and financial advisers in an emerging economy: are they financially literate?" Banks and Bank Systems 15, no. 2 (April 13, 2020): 16–27. http://dx.doi.org/10.21511/bbs.15(2).2020.02.

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Financial literacy is important for employees in the banking sector, as they are required to advise and administer the savings and investments of their clients. This study aims to establish financial literacy levels for banking employees and socio-demographic variables that influence their financial literacy levels. When collecting the necessary data for analysis, a survey was used for the total final sample of 120 employees of the banking sector. Descriptive statistics, the two-sample T-test and a simple ANOVA were used to determine the actual financial literacy levels and the socio-demographic factors influencing them. Overall, the employees were found to have moderately high levels of financial literacy. Only gender, race and education level were found to have an influence on financial literacy levels. This study informs the banking sector about how well employees are involved in financial literacy and which socio-demographic groups of their employees they need to focus on when exploring financial education programs.
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8

Sukma, Sjahmagri Priatama, and Mahir Pradana. "EFFECT OF FINANCIAL LITERACY, FINANCIAL ATTITUDE, AND FINANCIAL INCLUSION ON FINANCIAL BEHAVIOR." Jurnal Riset Bisnis dan Manajemen 15, no. 01 (February 17, 2022): 20–25. http://dx.doi.org/10.23969/jrbm.v15i01.5163.

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Students who are financially dependent on parents and financial-independent students are affected by Covid-19. Preventing financial problems can be carried out by good financial literacy. Based on precedent studies, financial literacy in Telkom University students was good; however, in reality, a protest emerged regarding tuition fees, generating a gap between the theory and reality. This study aimed to test a financial literacy argument of Telkom University students and the reality during pandemic. The study employed a quantitative method, verificative description, and purposive non-probability sampling technique. The study respondents amounted to 100 students of Business Administration undergraduate study. Data were analyzed using path analysis. From the hypothesis testing results, the financial literacy variable affected financial attitude, financial inclusion, and financial behavior. The inclusion variable affected and mediated the effect of financial literacy on financial behavior. Meanwhile, financial attitude did not affect and mediate the effect of financial literacy on financial behavior. Keywords: Financial; Financial Literacy, Financial Attitude; Financial Inclusion; Financial Behavior; Students
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Wahyuni, Sri Fitri, Radiman Radiman, and Dini Kinanti. "Pengaruh Literasi Keuangan, Lifestyle Hedonis dan Sikap Keuangan Pribadi Terhadap Perilaku Keuangan Mahasiswa." Owner 7, no. 1 (January 1, 2023): 656–71. http://dx.doi.org/10.33395/owner.v7i1.1304.

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Financial behavior is a person's ability to manage planning, budgeting, checking, managing, controlling, finding and storing daily financial funds. One of the factors that influence financial behavior is knowledge about financial literacy. The author's purpose is to determine the effect of financial literacy, hedonic lifestyle and personal financial attitudes on financial behavior in students of the economics faculty of management study program class l2018. The numberl of samplesl in thisl study werel 84 students usingl the slovinl formula. Thel analysis technique inl this studyl uses multiplel linear lregression, multiple correlationl determination, t testl and F ltest. Thel results ofl this studyl indicate thatl financial literacyl (X1) hasl a positivel and significantl effect onl financial behavior (Y). Hedonic Lifestyle (X2) hasl no effectl on financial behavior (Y). Personal financial attitude (X3) hasl no effectl on financial behavior (Y). Financiall literacy, hedonic lifestyle and personal financial attitudes simultaneously have a significant effect on financial behavior (studentsll of the 2018 classl of managementl study programl at Universitas Muhammadiyahl Sumatera Utara).
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Rahayu, Rita, Verni Juita, and Annisaa Rahman. "Financial Literacy, Digital Financial Literacy and Women’s Economic Empowerment." Journal of Telecommunications and the Digital Economy 11, no. 2 (June 28, 2023): 118–38. http://dx.doi.org/10.18080/jtde.v11n2.700.

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There have many been studies on women’s economic empowerment (WEE), most related to financial literacy (FL). However, in this digital era marked by the emergence of Fintech, FL needs to be expanded into digital financial literacy (DFL), in making good financial decisions, especially regarding Fintech products. Hence, the study aims to investigate the influence of DFL and FL on WEE. In this study, 259 female respondents participated. Using the PLS Structural Equation Modelling, the study found that both DFL and FL had a positive and significant effect on WEE. However, further analysis found that DFL affects all 5 dimensions of WEE. Meanwhile, FL only affects 3 components of WEE. In addition, the results also show that DFL has a much greater influence on WEE compared to FL. These results prove that, in this digital era, FL is not sufficient for making good financial decisions, but more understanding is needed, especially related to digital literacy. These results are expected to provide a new understanding of the importance of the DFL variable in the study of WEE, as well as input for the Indonesian government to give more consideration to DFL in making policies related to WEE.
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11

Sasikirono, Nugroho, Harlina Meidiaswati, Nur Maulydia Rachman, and Muhammad Madyan. "Financial Literacy, Financial Technology Literacy, and Capital Market Participation." Jurnal Manajemen Teori dan Terapan| Journal of Theory and Applied Management 16, no. 3 (December 22, 2023): 612–25. http://dx.doi.org/10.20473/jmtt.v16i3.49550.

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Objective: This study aims to determine the effect of financial literacy and fintech literacy on capital market participation. It also examines the effects of individual characteristics (i.e., gender, age, student's allowances and income, parent's education, and parent's income) on financial and fintech literacy. Design/Methods/Approach: This study obtained 349 data from email and field surveys using purposive sampling. Data analysis was performed using OLS and path analysis. Findings: Results show that the level of student financial literacy is sufficiently literate, with a moderate level of fintech literacy but low capital market participation. The results also show financial and fintech literacy positively affects capital market participation. Financial literacy also exhibits indirect effects on capital market participation. Analysis of the determinants of literacy shows that gender, age, student allowances, and income have a significant positive effect on financial literacy and fintech literacy. We also find that parental education and income show a negative effect on fintech literacy. Originality/Value: This study is the first to examine the relationship between financial literacy, fintech literacy, and capital market participation in young adults in metropolitan cities in Indonesia. The results are expected to provide insight for the authorities of the monetary system and the capital market to develop strategies for the more intense involvement of young adults in the capital market. Practical/Policy implication: This study highlights the importance of educating students about financial and fintech literacy to increase their participation in the capital market. Decision-makers should focus on providing intense education on portfolio investment, risk and return, and investment instruments. Financial authorities should also collaborate with fintech operators and securities companies to promote capital market products through fintech and educate the public with more comprehensive information.
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M. Anwarul Islam, K., and Muhammad Saifuddin Khan. "The role of financial literacy, digital literacy, and financial self-efficacy in FinTech adoption." Investment Management and Financial Innovations 21, no. 2 (June 11, 2024): 370–80. http://dx.doi.org/10.21511/imfi.21(2).2024.30.

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The primary aim of this study is to delve into the factors influencing individuals’ readiness to embrace financial technology (FinTech) services in Bangladesh. Specifically, the study focused on Bangladeshi fintech consumer’s knowledge about contemporary digital financial tools, such as mobile-based payment service apps. Data collection was carried out using a survey questionnaire tailored to the Bangladeshi context. Participants were invited to participate in the survey, and their responses were gathered upon their consent. A five-point Likert scale, ranging from ‘1’ for ‘Strongly Disagree’ to ‘5’ for ‘Strongly Agree,’ was employed to gauge the questionnaire items. The final sample size was 450 respondents. To assess the hypotheses, a 5% significance level was employed, with data analysis conducted using SPSS software. The findings underscore a positive and statistically significant impact of financial literacy, digital literacy, and financial self-efficacy on the adoption of FinTech services in Bangladesh. Collectively, these variables elucidate 48.20% of the variance (R2=0.482) in predicting individuals’ adoption behavior of FinTech. Financial self-efficacy (β = 0.574; t-value = 8.394) has the highest effect on FinTech adoption compared to the other two factors. Additionally, a substantial correlation coefficient (r=0.634) is present between digital literacy and FinTech adoption. This study contributes to the extant literature on FinTech services by providing valuable insights that enhance scholars’ understanding of the emerging financial technologies’ significance and their predominant impacts within the Bangladeshi FinTech ecosystem. These findings hold implications for policymakers, financial institutions, and stakeholders seeking to promote FinTech adoption and foster financial inclusion in Bangladesh.
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13

Trivedi, Pratima, and Saumya Trivedi. "Financial Literacy an Essential Prerequisite for Financial Inclusion." Global Journal For Research Analysis 3, no. 3 (June 15, 2012): 28–30. http://dx.doi.org/10.15373/22778160/mar2014/11.

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14

Khusaini, Khusaini, Bambang Mardisentosa, Asep Ferry Bastian, Ruhiyat Taufik, and Windi Widiawati. "The Impact of Financial Education and Socioeconomic Status on the Undergraduate Students' Financial Literacy." Media Ekonomi dan Manajemen 27, no. 1 (January 4, 2022): 55. http://dx.doi.org/10.24856/mem.v27i01.2385.

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Financial literacy is a crucial variable for researchers and policymakers because financial literacy's contribution encourages inhabitants to organize future financial planning and decision improvement. The study aims to empirically investigate the determinants of financial literacy such as financial education, parents' socioeconomic status, and gender. The authors used a cross-sectional survey approach with N = 325 samples. The result of measuring students' financial literacy showed a moderate condition (moderate level). The multiple linear regression models showed that parents' socioeconomic status significantly improved students' financial literacy. Meanwhile, financial education and gender did not prove significant in influencing students' financial literacy. The empirical study generated that encouraging parents is one of the essential policy elements in improving students' financial literacy. The higher students' socioeconomic status tends to encourage better financial planning and decision because they comprehend the literacy skills.
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15

Chabaefe, Nancy Neoyame, and Abubaker Qutieshat. "Financial Literacy, Financial Education and Financial Experience: Conceptual Framework." International Journal of Economics and Financial Issues 14, no. 4 (July 3, 2024): 44–55. http://dx.doi.org/10.32479/ijefi.15627.

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Low levels of financial literacy continue to persist around the world with women, the poor, lowly educated groups and the youth possessing the least levels of financial literacy. Research has shown that both financial education and financial experience can help boost levels of financial literacy. Despite this, there remains no conceptual framework that shows how financial education and financial experience can be used to boost levels of financial literacy. The purpose of this study is to propose a conceptual framework that links financial literacy, financial education, and financial experience. This paper is based on a literature review of journals on financial literacy, financial education, and financial experience that were published on both Google Scholar, Semantic Scholar, and Scopus from 2018 to 2023. Variables that emerged from the literature review were used to construct a conceptual framework. The findings of this study reveal that financial education and financial experience can be used to enhance financial literacy levels. Thus, it can be concluded that both financial education and financial experience can help to improve levels of financial literacy among individuals and various groups.
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Towo, Tendai, Knowledge Jonas, and Ezekiel Chitombo. "The Impact of Tertiary Educators’ Financial Literacy on Saving Behaviour in Zimbabwe and the Moderating Effects of Demographic Factors." International Journal of Research in Social Science and Humanitie 04, no. 07 (2023): 07–13. http://dx.doi.org/10.47505/ijrss.2023.v4.7.2.

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Financial literacy is a major issue of concern as itaffects both businesses and individuals globally. Being highly literate has been seen to have considerable effect on the management of interest rates on loans, retirement savings,poverty levels, massive debts, andrisk management. Financial illiteracy impedes economic growth, financial system stability, and income streams at a macro level The studyinvestigated the impact of tertiary educators’financial literacy on saving behaviour and the moderating effects of demographic factors (age, gender, level of education, subjecttaught, and length of service) using Mashonaland Central Provinceas a case study. The research objectives were to measure the level of financial literacy of educators, to determine factors influencing the financial literacyof educators, to determine the saving behaviour of educators and to recommend strategies which enhance the financial literacy of educators. The study adopted a positivism philosophy and an explanatoryresearch design. The target population was made up ofeducators from theuniversitiesand collegesin Mashonaland Central. A sample of 384educators was drawn using random sampling basedonBlacks(2005) sample size formula.Questionnaires were used to collect dataand descriptive statistics and regression analysis wereused to analyse the responses.The study found thateducators’knowledge of financial instruments and computation capabilities had a significant effect on saving behaviour.All demographic factors were found to have no significant impact on the educators’saving behaviours.The study recommends that educators should be trainedon financial literacy, that the ministry of higher and tertiary education should provide a room for further improvement of financial literacy of educators. Areas of further studies includestudying the feasibility of introducing financial literacy in elementary school and the effect of financial educators’ literacyon financial inclusion.
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Tokar Asaad, Colleen. "Financial literacy and financial behavior." Financial Services Review 24, no. 2 (June 30, 2015): 101–17. http://dx.doi.org/10.61190/fsr.v24i2.3236.

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This article explores how financial literacy, comprised of both actual financial knowledge and perceived financial confidence, affect financial decisions. Using national survey data from the United States, results indicate that financial confidence is a critical component of financial literacy and is important across all knowledge levels. However, overconfident individuals, or those with high confidence (or self-assessed) knowledge but low actual knowledge, have a higher propensity to engage in risky (costly) financial behaviors. Together, results suggest that financial literacy initiatives should focus not only on factual knowledge, but on helping individuals achieve a healthy dose of confidence.
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Musa Abdullahi Sakanko, Sufiyanu Umma Yahaya, and Salihu Abdullahi. "Financial Literacy and Financial Inclusion." Zakariya Journal of Social Science 2, no. 1 (June 30, 2023): 1–10. http://dx.doi.org/10.59075/zjss.v2i1.227.

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The study employed the Probit regression on the National Bureau of Statistics general households survey data to appraise the effect of financial literacy on financial inclusion in Niger State. The estimation result shows that financial literacy positively and statistically influences financial inclusion options (account ownership, bank access, and credit access) in Niger state. Similarly, education status, age, and gender are determinants of financial inclusion. The study concluded that financial literacy is necessary for achieving financial inclusion. To encourage financial inclusion among youth, the government should include financial education in secondary school and tertiary to teach skills and information on how to utilize and manage financial services and products. The central bank should also mandate the financial institutions to establish customer financial advisory units to educate their clients on managing and using financial products and services available to them to create wealth, thus improving living standards.
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Berezin, D. T. "IMPROVING UNIVERISTY STUDENT’ FINANCIAL LITERACY." European Journal of Natural History, no. 4 2020 (2020): 33–39. http://dx.doi.org/10.17513/ejnh.34113.

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20

Marheni, Dewi Khornida. "PENGARUH FINANCIAL ATTITUDE, FINANCIAL EDUCATION, FINANCIAL KNOWLEDGE, FINANCIAL EXPERIENCE, DAN FINANCIAL BEHAVIOR TERHADAP FINANCIAL LITERACY PADA PELAJAR KOTA BATAM." Journal of Global Business and Management Review 2, no. 1 (July 6, 2020): 21. http://dx.doi.org/10.37253/jgbmr.v2i1.790.

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Penelitian ini memiliki tujuan dalam menganalisa hubungan dari beberapa variabel yaitu Financial Attitude, Financial Education, Financial Knowledge, Financial Experience, dan Financial Behavior terhadap Financial Literacy pada Pelajar yang ada di Kota Batam. Pada penelitian ini menggunakan pendekatan kuantitatif, serta data primer yang menjadi sumber data yang dikumpulkan melalui penyebaran kuesioner sebanyak 450 responden yang berupa pelajar di Kota Batam. Beberapa kuesioner tidak dapat diolah karena tidak diisi dengan lengkap, setelah terkumpul data tersebut diolah melalui aplikasi perangkat lunak dengan nama SPSS versi 23. Hasil penelitian menyatakan bahwa financial attitude dan financial experience berpengaruh signifikan positif terhadap financial literacy, financial behavior berpengaruh signifikan negatif terhadap financial literacy, sedangkan financial knowledge dan financial education tidak mempunyai pengaruh signifikan terhadap financial literacy.
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Coskun, Ali, Muhammed Abdullah Sahin, and Alperen Zengin. "Financial Literacy in Turkey." International Journal of Research in Business and Social Science (2147-4478) 8, no. 3 (May 10, 2019): 01–16. http://dx.doi.org/10.20525/ijrbs.v8i3.255.

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We measure the level of financial literacy in Turkey using the OECD/International Network on Financial Education (INFE) methodology and compare our results with the ones obtained in 14 other countries that has used the same methodology. In our sample, financial knowledge and financial behavior levels are lower than the average of the 14 countries, whereas financial attitude level is around the average. The overall financial literacy score, which is a combination of the three aforementioned aspects, is also lower than the average of the 14 countries. We find that financial behavior is positively related with financial knowledge, female respondents are lagging behind the male respondents in financial literacy, and this lag is bigger than those in the 14 countries. Very young respondents and old respondents are less financially literate, financial literacy score is positively related with income, education, and income stability.
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Chelli, Mohamed, and Darlene Himick. "Constructing housing literacy through financial literacy." Critical Perspectives on Accounting 100 (December 2024): 102760. http://dx.doi.org/10.1016/j.cpa.2024.102760.

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Golden, Wil, and Leslie Cordie. "Digital Financial Literacy." Adult Literacy Education: The International Journal of Literacy, Language, and Numeracy 4, no. 3 (October 3, 2022): 20–26. http://dx.doi.org/10.35847/wgolden.lcordie.4.3.20.

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Lander, Kate. "Improving Financial Literacy." CFA Institute Magazine 25, no. 1 (January 2014): 10. http://dx.doi.org/10.2469/cfm.v25.n1.3.

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Adams, Annis Lee. "Financial literacy resources." Public Services Quarterly 17, no. 4 (October 2, 2021): 256–61. http://dx.doi.org/10.1080/15228959.2021.1975606.

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Németh, Erzsébet, Dániel Béres, Katalin Huzdik, Boglárka Deák-Zsótér, and Aranka Mészáros. "Teachers’ Financial Literacy." Pénzügyi Szemle = Public Finance Quarterly 67, no. 1 (2022): 7–32. http://dx.doi.org/10.35551/pfq_2022_1_1.

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The aim of the research is to explore the financial knowledge, attitudes, confidence, behaviour and motivations of teachers (N=752) teaching different subjects. The survey is particularly important because their knowledge, attitudes, and behaviours affect the financial awareness of the students they teach. The results indicate a higher level of financial literacy than assumed, revealing that teachers have a higher level of financial literacy than students in higher education. 86% of those surveyed have savings in addition to bank deposits, such as government bonds and other, more complex forms of savings, indicating a high level of financial awareness and inclusion. Teachers highly value their own financial literacy, and similar to those studying in higher education, are risk averse. Their vast majority consider the development of financial literacy in schools important. Financial literacy trainings have a measurably positive effect on the level of knowledge of the participants. Based on the results of the research, it is worthwhile to shape the curricula and the requirements based on the financial awareness and motivation of the teachers.
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CUDE, BRENDA J. "Financial Literacy 501." Journal of Consumer Affairs 44, no. 2 (June 2010): 271–75. http://dx.doi.org/10.1111/j.1745-6606.2010.01168.x.

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HUSTON, SANDRA J. "Measuring Financial Literacy." Journal of Consumer Affairs 44, no. 2 (June 2010): 296–316. http://dx.doi.org/10.1111/j.1745-6606.2010.01170.x.

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Bay, Charlotta, Bino Catasús, and Gustav Johed. "Situating financial literacy." Critical Perspectives on Accounting 25, no. 1 (February 2014): 36–45. http://dx.doi.org/10.1016/j.cpa.2012.11.011.

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30

Akhtar, Shamim, and Yanping Liu. "SME Managers and Financial Literacy; Does Financial Literacy Really Matter?" Journal of Public Administration and Governance 8, no. 3 (September 21, 2018): 353. http://dx.doi.org/10.5296/jpag.v8i3.13539.

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The purpose of this study is to examine the level of small and medium (SMEs) business owners-managers’ financial literacy and its effect on the firm’s performance. The study applied random sample and structural equation modeling approaches in measuring the impact of SME firm owners-managers’ level of financial literacy in the context of Pakistan. The findings reveal the complete influence of firm owners- manager’s financial attitude, financial knowledge and financial awareness in adapting financial literacy to upsurge in firm performance. Results indicate that financial awareness and financial knowledge of SME managers are evidently not a precondition to SMEs performance, yet entrepreneur tactics in making decisions and association to financial attitude have a contrast with financial literacy. Findings would be valuable for the SME owners, investors and service providers.
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Putri, Heni Rahmani, Muhsin N. Bailusy, and Hartaty Hadady. "Generation Z: Financial Literacy, Sharia Financial Literacy, Attitude, and Behavior." International Journal of Applied Business and International Management 6, no. 3 (December 20, 2021): 46–55. http://dx.doi.org/10.32535/ijabim.v6i3.1328.

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This study aims to investigate the influence of financial literacy and Sharia financial literacy on financial attitude and behavior. The population in the study were students of Khairun University and IAIN Ternate. A total of 188 respondents were involved and purposively selected as the samples. The study used validity and reliability tests as part of the instrument test. For hypothesis testing, a simple regression analysis was used. The results showed that all hypotheses were supported. The final part of the study discusses findings, conclusions, and suggestions for future research.
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Stolper, Oscar A., and Andreas Walter. "Financial literacy, financial advice, and financial behavior." Journal of Business Economics 87, no. 5 (March 4, 2017): 581–643. http://dx.doi.org/10.1007/s11573-017-0853-9.

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33

Kawamura, Tetsuya, Tomoharu Mori, Taizo Motonishi, and Kazuhito Ogawa. "Is Financial Literacy Dangerous? Financial Literacy, Behavioral Factors, and Financial Choices of Households." Journal of the Japanese and International Economies 60 (June 2021): 101131. http://dx.doi.org/10.1016/j.jjie.2021.101131.

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Mohta, Anu, and V. Shunmugasundaram. "Financial Literacy Among Millennials." International Journal of Economics and Financial Issues 12, no. 2 (March 14, 2022): 61–66. http://dx.doi.org/10.32479/ijefi.12801.

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Financial literacy aids the investor in devising rational financial decisions which in turn provides financial stability to an individual and has emerged as a key to economic development in this rapidly changing financial and investing landscape. A financially illiterate person will make poor financial and investment choices which will have a detrimental effect on their financial wellbeing. The present study aims at assessing the level of basic and advanced financial literacy as well as its association with the demographic profile of millennial investors in the Delhi-NCR Region. A Chi-square test was used to analyse the data collected for the study. The findings revealed that millennials' financial literacy is low and they have poor knowledge about the time value of the money concept and find bond prices by the interest rate concept hard to comprehend. The study concludes that financial illiteracy is acute in females. The common belief that higher education qualification is an indicator of higher financial literacy holds for the study. The millennials with a lower level of income have a lower level of basic and advanced financial literacy. These conclusions were found to be statistically significant. This paper fills the research gap of millennials' financial literacy in India.
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Bouzidi, Salem, and Mohammed Benmoussa. "Financial Literacy, Financial Behavior And Economic System." Management & Economics Research Journal 1, no. 3 (September 30, 2019): 62–76. http://dx.doi.org/10.48100/merj.v1i3.43.

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Financial literacy measure how much one comprehends key money related financial concepts, through appropriate short-term decision making, so Financial literacy is an essential information and that individuals need so as to make due in a modern society. Financial literacy can be affected by environmental issues, such as regional differences and economic systems.The relationship between financial literacy and financial behavior has been considered in a number of other studies, financial literacy is an important determinant of financial behavior in developing countries, financial literacy is also associated with increased equity ownership, the use of low-cost mortgages, and retirement planning behavior. JEL Classification: E40, G02, G20.
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Ariana, I. Made, I. Gusti Bagus Wiksuana, Ica Rika Candraningrat, and I. Gde Kajeng Baskara. "The effects of financial literacy and digital literacy on financial resilience: Serial mediation roles of financial inclusion and financial decisions." Uncertain Supply Chain Management 12, no. 2 (2024): 999–1014. http://dx.doi.org/10.5267/j.uscm.2023.12.008.

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The research objective was to analyze the effect of financial literacy and digital literacy on financial inclusion, financial decisions, and financial resilience of MSME's. The design of this research is explanatory quantitative research. The research is a cross-sectional study in which all research variables are measured and observed at one point in time. The sampling technique used is area purposive sampling. The reachable population in this study was 98,567 MSMEs in the Province of Bali, and the research sample was 385. The research instrument used was a questionnaire with a Likert scale. The analysis technique used is a descriptive and inferential analysis using SEM-PLS. The findings of this research reveal 1) a direct positive and significant effect of financial literacy and digital literacy on financial inclusion, financial decisions, and financial resilience of MSMEs; 2) a positive and significant effect of financial literacy and digital literacy on financial resilience of MSMEs through financial inclusion and financial decisions parallelly; and 3) a positive effect of financial literacy and digital literacy on financial resilience of MSMEs through financial inclusion and financial decisions serially, but the effect of digital literacy on financial resilience through financial inclusion and financial decisions serially is insignificant. The findings of this research show the crucial role of financial literacy and digital literacy in increasing financial resilience. Financial inclusion and financial decisions mediate the effect of financial literacy and digital literacy on financial resilience.
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Sakinah, Gina, and Bagio Mudakir. "ANALISIS LITERASI KEUANGAN MAHASISWA S-1 FAKULTAS EKONOMIKA DAN BISNIS UNIVERSITAS DIPONEGORO ANGKATAN 2014 - 2017." JURNAL DINAMIKA EKONOMI PEMBANGUNAN 1, no. 2 (October 4, 2018): 54. http://dx.doi.org/10.14710/jdep.1.2.54-70.

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Financial management failure occurs when students do not have good financial literacy. Students must have good knowledge, attitude, and behavior in managing their personal finances. This study aims to analyze the level of financial literacy of undergraduate students of the Faculty of Economics and Business at Diponegoro University class of 2014 to 2017 and the factors that influence it. Financial literacy in this study uses a financial literacy index consisting of components of the knowledge, attitude, and financial behavior of students. The research data uses primary data with questionnaires and sample of 100 students. Meanwhile, the method used in this study is descriptive statistics and multiple linear regression test (OLS). As a result, the level of student financial literacy is categorized as quite literary, that is 50.4%, influenced by age, GPA, parental education, and length of study. On the other hand, gender and income do not affect student financial literacy.
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Hauff, J. C., A. Carlander, T. Gärling, and G. Nicolini. "Retirement Financial Behaviour: How Important Is Being Financially Literate?" Journal of Consumer Policy 43, no. 3 (January 8, 2020): 543–64. http://dx.doi.org/10.1007/s10603-019-09444-x.

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AbstractUsing Item Response Theory to analyse survey data from a representative sample of 551 Swedish citizens, a new 16-question measure of fact-based financial literacy is developed and validated. Uni-dimensionality of the measure is verified, and expected correlations are observed with an existing measure of fact-based financial literacy, a measure of subjective financial literacy or confidence, and age, gender, and income. A significant impact of fact-based and subjective financial literacy are found on three time-ordered stages of individuals’ retirement behaviour: planning, saving, and investment management. It is concluded that policies increasing final literacy are important in different phases of the life cycle.
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Jefilyana, Jefilyana, and Sarwo Edy Handoyo. "Pengaruh Financial Attitude, Financial Literacy dan Financial Knowledge terhadap Financial Behavior." Jurnal Manajerial Dan Kewirausahaan 4, no. 4 (November 2, 2022): 938–46. http://dx.doi.org/10.24912/jmk.v4i4.20554.

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Penelitian ini bertujuan untuk mengetahui pengaruh financial attitude, financial literacy dan financial knowledge terhadap financial behavior pada pengguna Shopee di Jakarta Barat. Sampel yang digunakan dalam penelitian ini sebanyak 100 responden yang merupakan pengguna Shopee yang berdomisili di Jakarta Barat. Teknik pemilihan sampel yang digunakan adalah purposive sampling. Penelitian ini menggunakan Software Smart Partial Least Square PLS. versi 3.3.2 sebagai metode analisis data. Hasil penelitian menunjukkan financial attitude, financial literacy dan financial knowledge berpengaruh positif dan signifikan terhadap financial behavior. The purpose of this study is to determine the effect of financial attitude, financial literacy and financial knowledge on the financial behavior of Shopee users in West Jakarta. The sample used in this research is 100 respondents who are Shopee users who are domiciled in West Jakarta. The sampling technique used is purposive sampling. This research uses Smart Partial Least Square PLS software. version 3.3.2 as a data analysis method. The results showed that financial attitude, financial literacy and financial knowledge had a positive and significant effect on financial behavior.
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Arofah, Anastasia Anggarkusuma, Yunastiti Purwaningsih, and Mintasih Indriayu. "Financial Literacy, Materialism and Financial Behavior." International Journal of Multicultural and Multireligious Understanding 5, no. 4 (May 27, 2018): 370. http://dx.doi.org/10.18415/ijmmu.v5i4.171.

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AbstractOtoritas Jasa Keuangan (OJK) focus on improving financial behavior is through financial education program. This study discusses the importance of financial literacy and materialism attitudes in affecting individual’s financial behaviour. Using survey on 129 undergraduates of Economic Education, financial literacy and materialism being factor in affecting behaviour finance. The result of research shows that financial literacy has positive and significant contribution on financial behaviour. It can be seen from the original sample value is 0.244 and t-value 2.319 > 1.96. In addition materialism has a positive and significant contribution on financial behaviour with the original sample value is -0.583 and t-value 6.666 > 1.96. Undergraduates with high financial literacy has good financial behaviour, and undergraduates with low materialism tends can hold an activity related to the purchase of consumer goods and services. Moreover, the significance of financial literacy and self-efficacy has important implications for the development of policies that aim to improve financial behaviour among college students in financial education programs. Keywords: Financial Literacy, Materialism, Financial Behaviour, Financial Education
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Gunawan, Ade, Jufrizen, and Delyana Rahmawany Pulungan. "Improving MSME performance through financial literacy, financial technology, and financial inclusion." International Journal of Applied Economics, Finance and Accounting 15, no. 1 (January 9, 2023): 39–52. http://dx.doi.org/10.33094/ijaefa.v15i1.761.

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Financial literacy is one of the key abilities and skills MSME business actors require to manage their finances and achieve successful business performance. This study's purpose was to analyze the impact of financial and technological literacy on improving MSME performance in Medan City and the mediation of this relationship by financial inclusion. The research had a quantitative descriptive methodology with an explanatory research approach. Data were collected from a sample of 100 business actors in Medan City. The data analysis technique used was Structural Equation Modelling - Partial Least Squares (SEM-PLS). The results showed that financial literacy, financial technology, and financial inclusion affected the performance of MSMEs in Medan City, and financial inclusion did not mediate the effects of financial literacy and financial technology on the performance of MSMEs in Medan City. The novelty of this research is its capacity to inform stakeholders of the importance of the financial literacy of MSME business actors; therefore, stakeholders must strive to educate MSME business actors on the importance of financial literacy.
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Gurung, Madan, and Khem Prasad Gautam. "Financial Well-being and Financial Literacy in Bhutan: Evidence from Bongo Gewog." Universal Journal of Financial Economics 2, no. 1 (June 20, 2023): 1–18. http://dx.doi.org/10.37256/ujfe.2120232150.

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Financial literacy, in a broad sense, is the knowledge and skills that empower people to make informed decisions regarding the use of financial services and the management of one’s private and business finances. The study discusses the detailed analysis of financial literacy, financial education, and management by the people of Bongo Gewog in Bhutan. The findings suggest that the financial literacy among the people of Bongo is high; however, the literal knowledge of financial literacy is low. The research also found that education has a significant relationship with financial literacy wherein people with higher levels of qualification demonstrated a higher level of financial literacy and vice versa. This research concluded that males were more financially literate when compared to females.
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Hayeemaming, Marwan. "Financial Literacy of Working Women (Case Study in Malaysia)." Proceedings of the International Seminar on Business, Education and Science 1 (October 1, 2022): 316–22. http://dx.doi.org/10.29407/int.v1i1.2687.

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Financial literacy is the convergence of financial, credit and debt management and the knowledge that is necessary to make financially responsible decisions. This paper is conducted to assess the correlation between financial literacy and its component (financial education, financial attitude, financial behavior and financial knowledge). Data processing of this study using a pearson correlation with the number of samples 35 respondents. The data are quantitatively analyzed through Statistical Packages for Social Science (SPSS). According to the findings, financial literacy does not have a significant relationship with financial knowledge, however financial education, financial attitude and financial behavior together have a significant relationship with financial literacy. For appropriate utilization of funds, working women need to be financially literate.
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Jain, Kangan. "FINANCIAL LITERACY, FINANCIAL EDUCATION AND STRATEGY." Ramanujan International Journal of Business and Research 1, no. 1 (July 25, 2016): 73–81. http://dx.doi.org/10.51245/rijbr.v1i1.2016.147.

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Chandran. M.C, Sarath. "Empowering Financial Inclusion through Financial Literacy." IOSR Journal of Business and Management 16, no. 9 (2014): 45–48. http://dx.doi.org/10.9790/487x-16954548.

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Jain, Kangan. "FINANCIAL LITERACY, FINANCIAL EDUCATION AND STRATEGY." Ramanujan International Journal of Business and Research 1, no. 1 (July 25, 2016): 73–81. http://dx.doi.org/10.51245/rijbr.v1i1.2016.147.

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Tahir, Muhammad S., Daniel W. Richards, and Abdullahi D. Ahmed. "Financial literacy, attitudes, and financial satisfaction." Financial Services Review 28, no. 4 (November 16, 2023): 273–301. http://dx.doi.org/10.61190/fsr.v28i4.3433.

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Unpaid credit card debt can be problematic; people should avoid it where possible. Unlike prior studies, this article examines the relative strength of the association of financial literacy, attitude toward balancing spending and savings, and financial satisfaction with credit card debt- taking behavior by analyzing the 2016 wave of the Household, Income and Labor Dynamics in Australia (HILDA) Survey. We find that higher financial literacy is associated with less credit card debt. However, incorporating the other factors reduces this relationship. Our results advise policy-makers to include components in the financial literacy curricula that encourage savings attitude to reduce problematic debt-taking.
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Liu, Taixing, Miaomiao Fan, Youwei Li, and Pengpeng Yue. "Financial literacy and household financial resilience." Finance Research Letters 63 (May 2024): 105378. http://dx.doi.org/10.1016/j.frl.2024.105378.

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Balasubramnian, Bhanu, and Eric Brisker. "Financial adviser users and financial literacy." Financial Services Review 25, no. 2 (October 15, 2023): 127–55. http://dx.doi.org/10.61190/fsr.v25i2.3217.

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Using the 2012 National Financial Capability Study we determine what demographic characteristics are associated with individuals that use financial advisers and whether financial advisers have any impact on the financial literacy of their clients. We consider five types of financial advisers: Debt Counselors, Savings or Investment, Mortgage or Loan, Insurance, and Tax Planning. We find a significant increase in the use of financial advisers over the past decade. We also find that Savings or Investments advisers have the largest positive impact on the financial literacy of their clients, followed by Mortgage or Loan and Insurance advisers, even when controlling for financial education and potential endogeneity issues.
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Anugraini, Mardiyah, Sifa Imroatun Jannah, Hidayatul Khusnah, Mohamad Yusak Anshori, and Destin Rafika Wijayanti. "Financial Literacy and Financial Management: Mediating Effects of Financial Technology." Business and Finance Journal 8, no. 2 (November 30, 2023): 210–18. http://dx.doi.org/10.33086/bfj.v8i2.5102.

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Technology and communication are currently developing so rapidly that they are changing human life. Especially in the financial sector, with the aim of providing convenience to the community and increasing productivity and effectiveness. Despite the convenience provided by financial technology, there are quite a few people who still don't understand financial literacy, how to build good financial management skills and a general understanding of financial technology. This research aims to find empirical evidence and analyze the mediating influence of the use of financial technology on the influence of financial literacy on financial management. The sampling method used was the purposive sampling method and the total sample was 85 respondents who were the research objects. The data analysis method is quantitative descriptive analysis using primary data and hypothesis testing using WarpPLS 8.0 software. The test results show that financial literacy has a positive and significant effect on financial management. Financial literacy has a positive and significant effect on financial technology. While financial technology has a positive and significant effect on financial management, financial technology can mediate financial literacy on financial management
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