Dissertations / Theses on the topic 'Financial well-being'
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Lipari, Rachel N. "The financial well-being of military families." College Park, Md.: University of Maryland, 2006. http://hdl.handle.net/1903/3734.
Full textThesis research directed by: Sociology. Title from t.p. of PDF. Includes bibliographical references. Published by UMI Dissertation Services, Ann Arbor, Mich. Also available in paper.
Porter, Nancy M. "Testing a model of financial well-being." Diss., Virginia Tech, 1990. http://hdl.handle.net/10919/39899.
Full textPh. D.
Gnich, Wendy Anne. "Financial well-being and quality of life in later years." Thesis, University of the West of Scotland, 2001. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.365056.
Full textNgamaba, Kayonda. "The correlates of subjective well-being." Thesis, University of Manchester, 2017. https://www.research.manchester.ac.uk/portal/en/theses/the-correlates-of-subjective-wellbeing(7374410b-78f1-4c7e-993b-1a8092ef07f9).html.
Full textКурочкіна, Вікторія Семенівна, Виктория Семеновна Курочкина, Viktoriia Semenivna Kurochkina, and A. A. Sokur. "Credit sesame - the best financial advice." Thesis, Сумський державний університет, 2013. http://essuir.sumdu.edu.ua/handle/123456789/31091.
Full textPainter, Matthew A. II. "Immigrants’ Financial Well-Being: The Role of Race/Ethnicity, Nativity, and Education." The Ohio State University, 2010. http://rave.ohiolink.edu/etdc/view?acc_num=osu1278104875.
Full textRedelinghuys, Maruschka. "The Effect of Compensation Structures on the Well-being of Financial Advisors." Diss., University of Pretoria, 2017. http://hdl.handle.net/2263/60518.
Full textMini Dissertation (MCom)--University of Pretoria, 2017.
Human Resource Management
MCom
Unrestricted
Srivastava, Kumar Abhinav. "Assessing financial well-being of merchants by analyzing behavioral patterns in historical transactions." Thesis, Massachusetts Institute of Technology, 2014. http://hdl.handle.net/1721.1/107348.
Full textCataloged from PDF version of thesis.
Includes bibliographical references (page 31).
This study focuses on new approach to estimate financial wellbeing indicators for merchants, by looking at behavioral patterns of their customers in historical transactions. The transaction data for about 10,000 merchants in a specific country, was analyzed in terms of their diversity and propensity of customers for factors like age, distance they travel to shop, time of the day, day of the week, educational status, gender etc. While diversity refers to the variety in the different groups, propensity refers to concentration of customers in specific groups. These factors were used as independent variables to predict the financial well-being of merchants, particularly in two dimensions -total revenue and consistency in revenue, both relative to other merchants in the same industry. The merchants were also divided into the categories of Essential, Nonessential and Luxury goods depending on the industry they belong to and it was interesting to observe the contrast across categories. While the individual correlations were weak but significant, feature selection and classification (using logistic regression) indicate that diversity and propensity for factors of 'Age', 'Time of the day' and 'Day of the week' show reasonable prediction capabilities for total revenue and consistency in revenue for a merchant, as compared to the industry average. These kind of inputs can be very useful from a bank's perspective if an existing business customer of a bank wants to apply for a loan and the bank needs to assess the application. The analysis can be a good augmentation to the current methods or models of determining the financial wellbeing of a merchant. Also, this kind of analysis can bring a fresh perspective to the merchants to look at the customer base and then to target the right customers for achieving the business objectives of above average and consistent revenue streams.
by Kumar Abhinav Srivastava.
S.M. in Engineering and Management
Morrison, Kathryn J. "Delivery methods of financial information and sources of financial education as indicators of perceived financial well-being in South Dakota." [Ames, Iowa : Iowa State University], 2009. http://gateway.proquest.com/openurl?url_ver=Z39.88-2004&rft_val_fmt=info:ofi/fmt:kev:mtx:dissertation&res_dat=xri:pqdiss&rft_dat=xri:pqdiss:3369868.
Full textBrooks, Cecilia, and Brandan Wheeler. "Establishing the Effect of Financial Knowledge, Financial Well-being, Self-Esteem, and Locus of Control on Financial Distress among University Students." Digital Commons @ East Tennessee State University, 2018. https://dc.etsu.edu/secfr-conf/2018/schedule/24.
Full textHorwitz, Edward J. "Three essays on the effectiveness of financial education in the workplace." Diss., Kansas State University, 2015. http://hdl.handle.net/2097/19109.
Full textDepartment of Family Studies and Human Services
Martin Seay
Retirement savings and income projections are among the most financially complex calculations individual Americans will encounter. The movement towards self-directed employer retirement plans has shifted the responsibility for securing an adequate retirement increasingly to the employee, who may lack the financial understanding needed for proper calculations and decisions. There is an expressed preference among employees for the delivery of financial education in the workplace, where a majority of their financial knowledge is obtained. However, adoption of workplace comprehensive financial education programs has been slow due to the cost, time commitment, and lack of empirical support for their value. While there have been some mixed findings, literature has generally supported associations between financial education programs and improved literacy and behaviors. A great deal of these mixed results can be explained by the lack of consistency among definitional frameworks for financial literacy, the lack of consistent measures, and the variety of topics and methods used, all of which limit the ability to establish causal support for the educational program’s effectiveness. However, the preference for financial education in the workplace among employees suggests both the need and desire for more comprehensive financial education offered by employers. The purpose of this research was to investigate and test the links between the components in the framework for financial literacy by testing participation in a worksite comprehensive financial education program. In Essay One, the link between financial education and change in financial literacy was tested. Essay Two tested the link between the financial education program and financial well-being. In Essay Three, the link between financial literacy and financial behavior was explored. The results indicated associations between all three links in the financial literacy model, utilizing both primary research employing quasi-experimental methods, and secondary research from a larger national data sample. For financial educators who are interested in developing and facilitating comprehensive financial education programs for employee or other groups, this research can help provide support and guidance for those efforts. If comprehensive financial education programs can be better positioned to help improve the levels of financial literacy among Americans, fewer negative associated behavioral effects, such as lack of planning and under saving for retirement, may occur.
Rothner, Elizabeth. "Psychological well-being and job satisfaction of employees in a financial institution / Elizabeth Rothner." Thesis, North-West University, 2005. http://hdl.handle.net/10394/912.
Full textThesis (M.Com. (Industrial Psychology))--North-West University, Potchefstroom Campus, 2006.
Chongpison, Yuda. "Depression, Perceived Financial Burden, and Psychological Well-Being among Long-Term Rectal Cancer Survivors." Diss., The University of Arizona, 2016. http://hdl.handle.net/10150/612882.
Full textCamilleri, Tania. "Expectations, self-determination, reward-seeking behaviour and well-being in Malta's financial services sector." Thesis, University of Leicester, 2018. http://hdl.handle.net/2381/42869.
Full textNyström, Jakob, and Karin Romberg. "The Influence of Time and Risk Preferences on Financial Behaviour and Financial Well-being : Results from a National Survey." Thesis, Linköpings universitet, Nationalekonomi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:liu:diva-138795.
Full textTidigare forskning har visat att tids- och riskpreferenser är viktiga faktorer när man försöker förklara olika beteendemönster, såsom rökning, övervikt och sparande. Vi fokuserar på tids- och riskpreferensers effekt på finansiellt beteende och finansiellt välmående. Finansiellt beteende mäts genom tolv frågor, där individer exempelvis anger hur ofta man sparar eller använder kreditkort. För att mäta finansiellt välmående, konstruerar vi ett mått baserat på individens självupplevda nuvarande och framtida ekonomiska tillstånd. Tidspreferenser mäts genom “matching questions” och vi använder flera riskmått, både individers angedda riskattityder och riskfyllda val som visas genom riskfyllda spel. Våra resultat visar att ökat tålamod på kort sikt leder till bättre finansiellt beteende. Dessutom uppvisar individer med högre finansiella riskattityder bättre finansiellt beteende. I motsats till detta uppvisar dock, vid faktiska beslut, förlustaversiva individer bättre finansiellt beteende. Finansiellt välmående påverkas, å andra sidan, positivt av både kort- och långsiktigt tålamod. Det förbättras också av både högre generella och finansiella riskattityder. De riskfyllda valen påverkar inte finansiellt välmående. Vi visar att tidspreferenser påverkar riskpreferenser. Att ha högre tålamod på kort sikt leder till högre finansiell riskattityd och ökar sannolikheten för att vara förlustaversiv, medan det minskar sannolikheten att vara riskaversiv. Våra resultat är viktiga för att förstå heterogen finansiell beslutsfattning och det finansiella välmående det leder till. Denna kvantitativa studie baseras på ett stort, representativt sampel av den svenska befolkningen (N=2063).
Gray, Daniel. "Household finances, well-being and subjective financial situation : an empirical analysis of household survey data." Thesis, University of Sheffield, 2013. http://etheses.whiterose.ac.uk/5142/.
Full textKim, Jinhee. "The Efffects of Workplace Financial Education on Personal Finances and Work Outcomes." Diss., Virginia Tech, 2000. http://hdl.handle.net/10919/27080.
Full textPh. D.
Sears, Lindsay Ellen. "Work-related Outcomes of Financial Stress: Relating Perceived Income Adequacy and Financial Strain to Job Performance and Worker Well-being." PDXScholar, 2008. https://pdxscholar.library.pdx.edu/open_access_etds/5295.
Full textVan, Schalkwyk Stephanie. "Job insecurity and psychological well-being in a financial institution in Gauteng / by S. van Schalkwyk." Thesis, North-West University, 2004. http://hdl.handle.net/10394/2392.
Full textAknin, Lara Beth. "On financial generosity and well-being : where, when, and how spending money on others increases happiness." Thesis, University of British Columbia, 2012. http://hdl.handle.net/2429/42059.
Full textSommers, David Gerard. "The Effects of Labor Market Activity and Financial Resources on The Subjective Well-Being of Older Men /." The Ohio State University, 1995. http://rave.ohiolink.edu/etdc/view?acc_num=osu1487931512619108.
Full textWatson, Stuart James. "Financial Hardship and Strain Predict Student Well-being: The Importance of Socialisation, Social Support and Young Adult Roles." Thesis, Griffith University, 2016. http://hdl.handle.net/10072/365941.
Full textThesis (PhD Doctorate)
Doctor of Philosophy (PhD)
School of Applied Psychology
Griffith Health
Full Text
Lubis, Arief Wibisono. "Exploring the importance of financial literacy within the Capability Approach framework." Thesis, University of Cambridge, 2018. https://www.repository.cam.ac.uk/handle/1810/277309.
Full textLe, Thuy. "The effects of gambling on the financial well-being and perceived social support of family members| A quantitative study." Thesis, California State University, Long Beach, 2016. http://pqdtopen.proquest.com/#viewpdf?dispub=10017855.
Full textResearchers have documented that problem gambling has affected families. The purpose of this quantitative study is to investigate how the gambling behaviors of an individual affected perceived social support of his or her family members and their financial well-being. This study will be based on a cross-sectional survey of 33 family members of gamblers who resided in Orange County, California. The majority of the participants estimated their family member spent an average of $1,000 per week on gambling activities. Asians and first generation immigrants experienced low perceived social support compared to their non-Asians and second and third generation counterparts. Participants who earned less than $15,000, those who rented, and were single scored low on financial well-being scale compared to their counterparts. Study findings have implications for social and behavioral sciences. The findings aimed to help families, communities and helping professionals to have an awareness of the potential harm of problem gambling.
Civettini, Nicole Hagan Wolensky. "Same-sex unions: Do theories of marriage apply?" Diss., University of Iowa, 2009. https://ir.uiowa.edu/etd/229.
Full textScheier, Samuel. "Social Determinants of Health and Economy: the Global Financial Crisis 2007/08 and its impact on well-being of Europeans." Master's thesis, Vysoká škola ekonomická v Praze, 2014. http://www.nusl.cz/ntk/nusl-196994.
Full textDe, Beer Leon Tielman. "Job demands-resources theory, health and well-being in South Africa / Leon Tielman de Beer." Thesis, North-West University, 2012. http://hdl.handle.net/10394/8663.
Full textThesis (PhD (Industrial Psychology))--North-West University, Potchefstroom Campus, 2013
Spann, Scott M. "Three essays on financial wellness in the workplace." Diss., Kansas State University, 2014. http://hdl.handle.net/2097/18412.
Full textDepartment of Family Studies and Human Services
Sonya L. Britt
This dissertation, consisting of three studies, explores the factors that influence the financial wellness of employees participating in a workplace financial education program. This dissertation also explores the influence that financial wellness has on the intention to engage in retirement planning activities and perceived retirement preparedness. Data for all three essays was obtained from a Financial Wellness Assessment instrument used in conjunction with a workplace financial education program provided by Financial Finesse (2013). The primary conceptual framework used to guide the three studies was Joo’s (2008) conceptual framework of financial wellness. The first essay examined factors that have been conceptualized as components of financial wellness—financial behaviors, perceived financial knowledge, and financial attitudes. Results showed that employees comfortable with their current level of non-mortgage debt and those with perceived financial knowledge had a greater sense of overall financial wellness. Core financial behaviors and advanced financial behaviors were also found to be associated with financial wellness with core financial behaviors having the biggest effect on financial wellness. Maintaining an emergency fund, having a handle on cash flow, paying credit card balances off in full each month, and paying bills on time were significantly related to greater financial wellness. Personal factors associated with a greater sense of financial wellness included household income, being under age 30, homeownership, being married, and not having children in the household. The second essay examined the influence of various subcomponents of financial wellness on retirement planning intention. Results indicated that retirement was the leading financial topic of interest of employees. Findings also demonstrated that desirable core financial management behaviors and a financial attitude of comfort regarding current non-mortgage debt increased the likelihood of employee intentions to engage in retirement planning activities. Specific financial behaviors associated with retirement planning intention included having a handle on cash flow, paying bills on time, and paying off credit card balances in full each month. Personal factors such as age and income also influenced retirement planning intention as older employees and those with greater household income were more likely to intend to plan for retirement. Having children in the household and non-Caucasian/White ethnicity decreased the likelihood of retirement planning intention. Finally, the third essay utilized Joo’s (2008) conceptual framework of financial wellness to explore factors that predict perceived retirement preparedness. Higher levels of financial satisfaction, perceived financial knowledge, and confidence in current asset allocation increased the likelihood employees demonstrated a sense of retirement preparedness. Core and advanced financial behaviors were also associated with perceived retirement preparedness. Younger employees and household income of $100,000 or more increased the likelihood of perceived retirement preparedness. Results of these three studies demonstrate that financial wellness has a significant influence on perceived retirement preparedness of employees engaged in information seeking activities as part of a workplace financial education program. Key components of financial wellness such as objective financial status, financial knowledge, financial attitudes, financial satisfaction, and financial behaviors were also found to be associated with the intention to engage in retirement planning activities. These findings are relevant to financial counselors, financial planners, financial educators, academicians, and employers dedicated to promoting increased financial wellness among employees.
Alkhiary, Adnan Mohammed. "The influence of stress, income status, and expenditures on families in economic crisis." Thesis, Kansas State University, 2011. http://hdl.handle.net/2097/12024.
Full textDepartment of Family Studies and Human Services
Farrell J. Webb
Farrell J. Webb
The purpose of this thesis was to examine how financial stressors influence family well-being. The specific thrust of this thesis was to examine if and how family well-being is influenced by financial stressors caused by the current economic crisis through an adaptation of Hills ABC-X Mosel (1949) known as the ABCE-WB Model. The ABC-X Model was adapted first by White (2007) who substituted the X—crisis element with the WB- well-being item. I added a new element to this model known as E—family expenditures. The data used in this thesis were gleaned from research conducted by Knowledge Networks on behalf of the National Center for Family and Marriage Research. The study was titled: Familial Responses to Financial Instability, How the Family Responds to Economic Pressure: A Comparative Study, 2009. In consisted of nationally representative a (multivariate) address the central hypotheses of this weighted a sample of 1,169 respondents. Analyses included simple correlations (bivariate) and hierarchical analyses investigation that explored what was the relation shop between the resources, perceptions, and expenditures a family had available to them in the current economic crisis and their well-being. The results indicate that approximately 22.4% of the variance in well-being could be explained by the elements in the ABCE-WB Model. In addition, there were several important relationships that were revealed between the predictors and the outcome measures individually. Overall, the efficacy and utility of the ABCE-WB Model was upheld by the results. Based on these findings future use of the ABCE-WB Model holds promise.
Kwela, Happy Angel. "The effectiveness of the Personal Financial Management Programme on the well-being of employees in the Department of Rural Development and Land Reform in the Pietermaritzburg region." Diss., University of Pretoria, 2015. http://hdl.handle.net/2263/53421.
Full textMini Dissertation (MSW)--University of Pretoria, 2015.
Social Work and Criminology
MSW
Unrestricted
Munyuki, Tinashe. "The implications of financial literacy on the success of Small and Medium Enterprises (SMEs) initiated by the youth in economically disadvantaged areas of Cape Town." University of Western Cape, 2020. http://hdl.handle.net/11394/7230.
Full textEntrepreneurship has been regarded as a solution to various developmental challenges such as unemployment, inequality, and poverty, which are inherent among the marginalised populations. However, the high rate of failure of Small and Medium Enterprises (SMEs) remain an impediment to the use of entrepreneurship as a means to ameliorate the challenges. This is especially the case among young entrepreneurs. In addition, given the imperativeness of financial literacy in the success of SMEs, this study determines the influences of financial literacy on entrepreneurial success within the marginalised communities. It also explores and identifies the reasons why failure rates are high among young entrepreneurs in the economically disadvantaged community of Khayelitsha, Cape Town. This study employs a concurrent mixed methods design, making use of both quantitative and qualitative data. A survey is conducted in Khayelitsha using the snowballing sampling technique due to difficulty in accessing young entrepreneurs. The quantitative data from the survey provides demographic and socioeconomic information on young entrepreneurs. The survey is also used to determine the level of financial literacy and business success of these entrepreneurs. The qualitative in-depth interviews, on the other hand, provide insights into the motivations of the entrepreneurs, their experiences and the causes of business failure.
Braga, Farah Diba M. A. Abrantes. "I need help! I can’t afford it: the interplay of credit beliefs, anxiety, impulsive buying and risky indebtedness behavior in predicting Brazilians’ financial preparedness." reponame:Repositório Institucional do FGV, 2018. http://hdl.handle.net/10438/21940.
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The findings of this research bring out how relevant are personal factors (e.g., traits), buying, and financial behaviors in predicting individuals’ indebtedness and financial well-being, if compared to predictors of debt and determinants of credit limits commonly used in used in academia and the finance industry (e.g., income, debt/income ratio, past credit usage behavior, the number of credit cards, past debt behavior, gender, age, schooling, marital status). Consumer credit has undergone a tremendous increase during recent decades in both developed and emerging economies. Brazil, which has one of the highest consumer credit interest rates in the world, has also experienced a substantial credit expansion, providing credit access to consumers who had never had access to it before, notably those in the low-income group. Both previous experience and the literature associate the access to massive amounts of credit with suboptimal and destructive forms of behavior such as impulsive buying and over-indebtedness. This kind of behavior undermines the individual’s financial well-being. In the context of financial services and the emerging Brazilian economy, this research project proposes the concept of financial preparedness for emergency (FPE), defined as ‘an individual’s state of being financially prepared to cope with a financial shock. This research posits that FPE is a critical component of financial well-being and extending on previous literature framework of drivers and consequences of financial well-being, it proposes an integrative model that investigates the role of consumer credit, money attitudes, impulsive buying and indebtedness behavior, in predicting consumers’ financial preparedness for an emergency. Employing a covariance-based structural equation modeling (CB-SEM) method to test the proposed model empirically, this study finds that personal factors, buying, and financial behaviors play a key role as antecedents of individuals’ financial preparedness. The findings suggest that individuals who see their credit limits as part of their income or are anxious about money are more prone to engage in impulsive buying and risky indebtedness behavior. Consequently, by engaging in such patterns of behavior, individuals weaken their state to cope with financial shock, which in its turn might affect their financial well-being. This research further finds that the belief that credit limits serve as income does not change the risky indebtedness behavior of low-income consumers. Furthermore, the findings suggest that the number of credit cards, gender, schooling, and age does not play any role in financial preparedness nor any of the model’s relationships. An explanation of the outcomes and various of their implications is addressed in this study. Overall, the recommendations made focus on individuals, institutions, and policymakers and the responsibility of each of these players to adopt sustainable forms of behavior, such as, building credit usage awareness, adopting and regulating tools that better identify consumers’ traits and behaviors that might lead them, and eventually society as a whole, into sound financial well-being.
Os resultados desta pesquisa revelam quão importantes são os fatores pessoais (por exemplo, traços de comportamento), o comportamento de compra e crenças financeiras, na previsão do endividamento e bem-estar financeiro dos indivíduos, em comparação indicadores financeiros comumente utilizados pela a academia e indústria financeira (por exemplo, renda, relação dívida / renda, sexo, idade, escolaridade). O crédito ao consumo sofreu um tremendo aumento durante as últimas décadas, tanto em economias desenvolvidas quanto nas emergentes. O Brasil, que tem uma das maiores taxas de juros de crédito ao consumidor do mundo, também experimentou uma substancial expansão de crédito, proporcionando acesso ao crédito a consumidores que nunca tiveram acesso a ele antes, notadamente aqueles do grupo de baixa renda. A literatura e experiência de outros países associam o acesso a enormes quantidades de crédito a comportamentos não ideias e ou destrutivos, como, a compra impulsiva e o superendividamento. Esse tipo de comportamento prejudica o bem-estar financeiro do indivíduo. No contexto dos serviços financeiros e da economia brasileira emergente, este projeto de pesquisa propõe o conceito de ‘preparação financeira para emergências’ (FPE), definido como 'o estado de um indivíduo estar financeiramente preparado para lidar com um choque financeiro'. Esta pesquisa postula que FPE é um componente crítico do bem-estar financeiro, e empregando a literatura existente propõe um modelo integrativo de causas e consequências do bem-estar financeiro. Esse modelo investiga o papel do crédito ao consumidor, atitudes monetárias, comportamento impulsivo de compra e endividamento, na previsão da preparação financeira dos consumidores para uma emergência. Empregando um método de modelagem de equações estruturais baseado em covariância (CB-SEM) para testar o modelo proposto empiricamente, este estudo descobriu que fatores pessoais, compras e comportamentos financeiros desempenham um papel fundamental como antecedentes da preparação financeira dos indivíduos. As descobertas sugerem que indivíduos que veem seus limites de crédito como parte de sua renda ou estão ansiosos em relação ao dinheiro são mais propensos a se engajar em comportamentos impulsivos de compra e endividamento. Consequentemente, ao se envolver em tais padrões de comportamento, os indivíduos enfraquecem seu estado para lidar com o choque financeiro, o que, por sua vez, pode afetar seu bem-estar financeiro. Esta pesquisa revela ainda que a crença de que os limites de crédito servem como renda não altera o comportamento arriscado de endividamento dos consumidores de baixa renda. Além disso, os resultados sugerem que o número de cartões de crédito, sexo, escolaridade e idade não desempenha nenhum papel na preparação financeira nem em nenhum dos relacionamentos do modelo. Uma explicação dos resultados e várias de suas implicações é abordada neste estudo. No geral, as recomendações focaram nos indivíduos, instituições e formuladores de políticas e na responsabilidade de cada um deles em adotar formas sustentáveis de comportamento, tais como conscientizar o uso do crédito, adotar e regular ferramentas que identifiquem melhor os traços e comportamentos dos consumidores que possam levá-los, e eventualmente a sociedade como um todo, a um bem-estar financeiro sólido.
Kunkel, Franciele Inês Reis. "Causas e consequências da dívida no cartão de crédito: uma análise multifatores." Universidade Federal de Santa Maria, 2014. http://repositorio.ufsm.br/handle/1/4701.
Full textThe frightening growth of the number of Brazilian credit card users has generated concerns about the level of financial responsibility of those individuals in the use of the card. This work deals with this issue by seeking to assess the causes and consequences of credit card debt from behavioral factors. For this, we carried out a survey with 1.831 citizens users of credit card in the states of Rio Grande do Sul, Minas Gerais and Maranhão. As an instrument for data collection was used a structured questionnaire consisting by 114 questions, that addressed demographic variables, cultural variables, usage characteristics of credit card and seven behavioral factors - financial literacy, compulsive shopping, materialism, behavior of using of credit card, credit card debt, financial well -being and emotions. The analysis of the main model was based in the Structural Equation Modeling. Already the evaluation of the influence of demographic variables and characteristics of the credit card about the debt were measured by parametric hypothesis tests. The main results show that the presence of high levels of financial knowledge, attitudes and positive financial behaviors and the responsible use of the card reduce the probability of an individual incurring in credit card debt. On the other hand, the presence of materialistic behavior and compulsive consumption increases the probability of debt. As consequences of the debt, it was reported the lowest level of well-being and financial satisfaction and the presence of negative emotions and feelings. The descriptive statistics showed that respondents maintain responsible behavior in time to use the credit, are neither materialistic nor compulsive shoppers, contributing to low levels of debt checked on the credit card. The results of hypothesis tests bring to light that male individuals , young people , with dependent and with children, low education level, low income, who are unaware of the value of the interest rate paid in the event of use of revolving credit and who hold a greater number of credit cards are more likely to have credit card debts. These results are of interest in the financial sector and bodies with policy-making power. The work points to the need to provide citizens with information about the proper use of credit tools and develop on them the necessary financial skills for making responsible decisions keeping in mind the negative consequences experienced as a result of the debt.
O crescimento assustador do número de brasileiros usuários de cartão de crédito tem gerado preocupações quanto ao nível de responsabilidade financeira desses indivíduos no uso do cartão. Esse trabalho lida com essa questão ao buscar avaliar as causas e consequências da dívida no cartão de crédito a partir de fatores comportamentais. Para tanto, realizou-se uma pesquisa survey com 1.831 cidadãos usuários de cartão de crédito dos estados do Rio Grande do Sul, Minas Gerais e Maranhão. Como instrumento de coleta de dados adotou-se um questionário estruturado, composto por 114 questões, as quais abordaram variáveis demográficas, variáveis culturais, características de uso do cartão de crédito e sete fatores comportamentais alfabetização financeira, compras compulsivas, materialismo, comportamento de uso do cartão de crédito, dívida no cartão de crédito, bem-estar financeiro e emoções. A análise do modelo principal foi realizada com base na Modelagem de Equações Estruturais. Já a avaliação da influência das variáveis demográficas e das características do cartão de crédito sobre a dívida foi feita a partir de testes de hipóteses paramétricos. Os principais resultados apontam que a presença de bons níveis de conhecimento financeiro, atitudes e comportamentos financeiros positivos e o uso responsável do cartão reduzem a probabilidade de o indivíduo incorrer em Dívidas. Por outro lado, a presença de comportamentos materialistas e de consumo compulsivo aumenta essa probabilidade de endividamento. Como consequências da dívida, relatou-se o menor nível de bem-estar e satisfação financeira e a presença de emoções e sentimentos negativos. A estatística descritiva demonstrou que os respondentes mantem comportamentos responsáveis na hora de usar o crédito, não são materialistas e nem compradores compulsivos, o que contribuiu para os baixos índices de endividamento verificados no cartão de crédito. Os resultados do teste de hipótese trouxeram à tona que indivíduos do gênero masculino, jovens, com dependentes e filhos, baixo grau de escolaridade, baixa renda, que desconhecem o valor da taxa de juros paga em caso de uso do crédito rotativo e que detêm um maior número de cartões de crédito são mais propensos a apresentar dívidas no cartão. Os resultados auferidos são de interesse do setor financeiro e de órgãos com poder de decisão política. Esse trabalho aponta para a necessidade de prover os cidadãos de informações sobre o uso adequado das ferramentas de crédito e de desenvolver nos mesmos as habilidades financeiras necessárias para a tomada de decisões responsáveis tendo em mente as consequências negativas vivenciadas em decorrência da dívida.
Souza, Fabio Tosta Gadelha. "Os efeitos do estresse financeiro no ambiente de trabalho brasileiro." reponame:Repositório Institucional do FGV, 2017. http://hdl.handle.net/10438/18466.
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The main objective of this paper was to determine whether Brazilian employee’s level of financial stress affects their behavior in the workplace. Specifically, it was tested if individuals with a higher level of financial stress are more likely to: i) miss work, in general; ii) miss work unjustifiably; have excused absences from work; and iv) being subject to punishments at work, as compared to their less stressed colleagues. The study was performed based on a research with 673 employees of 10 different Brazilian companies from different industries, in which participation was voluntary. The level of individual financial stress was determined by the InCharge Financial Distress/Financial Well-Being Scale, created by Prawitz et. al. (2006), in order to use the subjective level of financial stress of the respondents. The tests were applied using the Linear Probability, Probit and Logit models. Our findings were that the financial stress does increase, in a statistically significant manner, the chances of absences from work in general/regardless of motives and of unexcused absences. All three models pointed out in that direction. We have not been able, however, to find significant results in any of the three models that financial stress does increase the chances of excused absences and punishments.
A proposta do presente trabalho foi averiguar se, no Brasil, o nível de estresse financeiro dos empregados afeta seu comportamento no trabalho. Especificamente, foi testado se pessoas com maior nível de estresse financeiro têm maior probabilidade de: i) faltar, de uma maneira geral; ii) faltar de maneira injustificada; iii) terem faltas abonadas por seus superiores; e iv) sofrerem punições, em relação aos seus colegas menos estressados. O estudo foi feito a partir de uma pesquisa com 673 funcionários de 10 grupos empresariais brasileiros de diferentes setores de atuação, cuja participação foi voluntária. O grau de estresse financeiro individual foi determinado a partir da Escala InCharge de Estresse Financeiro/Bem-Estar Financeiro, criada por Prawitz et al. (2006), a fim de que se pudesse utilizar o nível subjetivo de estresse financeiro dos respondentes. Os testes foram realizados utilizando os modelos de Probabilidade Linear, Probit e Logit. Nossas conclusões foram de que estresse financeiro aumenta, de maneira estatisticamente significativa, a probabilidade de faltas em geral e de faltas injustificadas. Todos os três modelos apontaram neste sentido. Contudo, não encontramos resultados significativos em nenhum dos três modelos de que o estresse financeiro aumenta a probabilidade de faltas abonadas e punições.
Davidson, Ransford George. "Leadership Strategies to Reduce Employees' Occupational Stress." ScholarWorks, 2018. https://scholarworks.waldenu.edu/dissertations/5849.
Full textSORGENTE, ANGELA. "BENESSERE FINANZIARIO DEI GIOVANI ADULTI: QUALI METODOLOGIE DI RICERCA E TECNICHE STATISTICHE SONO NECESSARIE?" Doctoral thesis, Università Cattolica del Sacro Cuore, 2018. http://hdl.handle.net/10280/39103.
Full textThe general aim of this research work is to enrich the literature on emerging adults’ financial well-being with research methodologies and statistical techniques never previously applied in this research field. Specifically, the first chapter of this thesis concerns the scoping methodology, a knowledge synthesis methodology that I adopted to identify the emerging adults’ financial well-being definition, components, predictors and outcomes. The second chapter consists in the application of a new statistical technique, Latent Transition Analysis, that I used to identify subgroups of emerging adults homogeneous in their configuration of adult social markers already reached and to investigate the relation between these emerging adults’ subgroups and their financial well-being. The third chapter describes a three-step methodology to develop and validate new measurement instruments, based on the contemporary view of validity proposed in the last fifty years. This three-step procedure was here applied to develop and validate a new instrument measuring subjective financial well-being for an emerging adult target population. Finally, the fourth chapter concerns the multiple informant methodology that I applied to collect information about family financial socialization and its impact on the child’s financial well-being from mother, father and the emerging adult child.
SORGENTE, ANGELA. "BENESSERE FINANZIARIO DEI GIOVANI ADULTI: QUALI METODOLOGIE DI RICERCA E TECNICHE STATISTICHE SONO NECESSARIE?" Doctoral thesis, Università Cattolica del Sacro Cuore, 2018. http://hdl.handle.net/10280/39103.
Full textThe general aim of this research work is to enrich the literature on emerging adults’ financial well-being with research methodologies and statistical techniques never previously applied in this research field. Specifically, the first chapter of this thesis concerns the scoping methodology, a knowledge synthesis methodology that I adopted to identify the emerging adults’ financial well-being definition, components, predictors and outcomes. The second chapter consists in the application of a new statistical technique, Latent Transition Analysis, that I used to identify subgroups of emerging adults homogeneous in their configuration of adult social markers already reached and to investigate the relation between these emerging adults’ subgroups and their financial well-being. The third chapter describes a three-step methodology to develop and validate new measurement instruments, based on the contemporary view of validity proposed in the last fifty years. This three-step procedure was here applied to develop and validate a new instrument measuring subjective financial well-being for an emerging adult target population. Finally, the fourth chapter concerns the multiple informant methodology that I applied to collect information about family financial socialization and its impact on the child’s financial well-being from mother, father and the emerging adult child.
Fraga, Luana dos Santos. "Programa minha casa minha vida: uma análise do endividamento e de fatores comportamentais." Universidade Federal de Santa Maria, 2017. http://repositorio.ufsm.br/handle/1/12484.
Full textO objetivo do estudo foi identificar como os beneficiários do Programa Minha Casa Minha Vida pertencentes à Mesorregião Centro-ocidental Rio-Grandense gerem seus recursos financeiros, incluindo o pagamento do financiamento do PMCMV e como o PMCMV, a Atitude ao Endividamento, a Alfabetização Financeira, o Bem-estar Financeiro e o Gerenciamento Financeiro influenciam sua Satisfação com a Vida. Para tanto foram aplicados 561 questionários, analisados através de estatística descritiva, análise fatorial confirmatória, testes de diferença de média e análise de regressão. Os principais resultados revelam que grande parte deles possui bons hábitos financeiros, contudo apresentam dificuldade para poupar, possuem dívidas e já tiveram o nome ligado ao cadastro negativo. A maioria considera o valor da prestação do financiamento da casa razoável. Entre os beneficiários da Faixa 1, a maioria já teve ou tem prestações da casa atrasadas, diferentemente daqueles das Faixas 2 e 3. O principal motivo da inadimplência é o dinheiro da parcela ter sido utilizado em despesas inesperadas (doença, desemprego). Os indivíduos demonstraram-se satisfeitos com o PMCMV, acreditam que a vida no geral, a relação com a vizinhança e a vida financeira melhoraram. O tempo gasto com locomoção, o acesso às instituições de saúde pública e transporte coletivo, realização de trabalho social e problemas de violência no bairro são aspectos que impedem uma maior satisfação. Muitos possuem de médio a alto Conhecimento Financeiro, desenvolvem boas Atitudes Financeiras em relação à preocupação com o futuro financeiro e poupança, e bom comportamento em relação ao controle e planejamento de gastos. Sentem um nível intermediário de Bem-estar Financeiro e apresentam uma percepção positiva quanto a Satisfação com a Vida. Confirmou-se a validade de todos os construtos comportamentais propostos, contudo, as escalas de Satisfação com o PMCMV, Atitude ao Endividamento e Atitude Financeira foram bastante reduzidas. Constatou-se que os indivíduos com rendimentos mensais entre R$3.275,01 e R$5.000,00 possuem maior Atitude ao Endividamento. Os beneficiários pertencentes às Faixas 2 e 3, homens, casados, com maiores níveis de escolaridade, funcionários públicos, com renda acima de R$ 5.000,00 possuem maior Alfabetização Financeira e Bem-estar Financeiro. Em relação à Satisfação com a Vida, os beneficiários das Faixas 2 e 3, do gênero masculino, que não possuem dependentes, com mais de 48 anos, viúvos, aposentados, autônomos regulares e funcionários públicos, com renda superior a R$ 5.000,00 são os mais satisfeitos. Identificou-se que as variáveis: Bem-estar Financeiro, Atitude Financeira e possuir carnê de crediário exercem influência positiva na Satisfação com a Vida. Todavia, o Conhecimento Financeiro, possuir dívidas e ser inadimplente no PMCMV, impactam negativamente. Destaca-se a necessidade de maiores investimentos em transporte e saúde no entorno das moradias, e oferta aos beneficiários de oportunidade de aprenderem sobre a importância do controle financeiro, do pagamento das contas em dia e de pouparem, além de uma maior conscientização de que como ganharam a oportunidade de possuírem a casa, com prestações baixas, precisam pagar as parcelas em dia. Propõe-se uma maior investigação sobre os indivíduos com potencial para serem beneficiários e que tenham condições efetivas de pagamento.
Michaels, Patricia C. "The Impact of Adverse Childhood Experiences on Adult Monetary Behaviors." Antioch University / OhioLINK, 2018. http://rave.ohiolink.edu/etdc/view?acc_num=antioch1531941674153599.
Full textBrites, Alice Dantas. "Monitoramento dos efeitos ecológicos e socioeconômicos da comercialização de produtos florestais não madereiros." Universidade de São Paulo, 2010. http://www.teses.usp.br/teses/disponiveis/90/90131/tde-24032011-215203/.
Full textAmazon, non-timber forest products, ecological effects, socioeconomic effects, monitoring.
Dias, Raquel Ferreira. "The predictors of financial well-being and its impact on overall well-being: the case of Portugal." Master's thesis, 2020. http://hdl.handle.net/10071/21784.
Full textEmbora o bem-estar geral seja um fenómeno bem estudado, o bem-estar financeiro só recentemente se tornou interessante no campo da investigação. Consequentemente, o objetivo do estudo é entender a relação entre o bem-estar financeiro, seus antecedentes (status financeiro, comportamento financeiro, conhecimento financeiro e atitudes financeiras) e o bem-estar geral. Adicionalmente, foram testadas hipóteses com a idade, género, rendimento familiar e área de residência. Foi utilizado o método quantitativo para reunir os dados, e para a sua análise, o SPPS através da análise de regressão linear, análise de mediação, independente t-teste e o anova teste. Em relação aos resultados, o status financeiro é o único e significante fator positivo no bem-estar financeiro e este último tem uma relação positiva significativa com o bem-estar geral. Constatou-se também que o bem-estar financeiro é o mediador entre o status financeiro e bem-estar geral. No geral, os outros antecedentes não mostraram um efeito significativo. Além disso, elevado rendimento familiar contribui para aumentar o bem-estar financeiro. Adicionalmente, encontrei diferenças no bem-estar financeiro entre grupos. Por exemplo, ao envelhecer não implica necessariamente numa maior satisfação financeira. No geral, os homens têm um maior bem-estar financeiro do que as mulheres. Em suma, estes resultados mostram um conceito multidisciplinar de bem-estar geral e que os indivíduos dão primazia à segurança financeira sobre os outros componentes. Em termos de implicações práticas, esta pesquisa é relevante porque evidencia a importância do status financeiro na previsão do bem-estar financeiro, bem como o papel do rendimento familiar para satisfação financeira individual.
Vosloo, Wilmie. "The relationship between financial efficacy, satisfaction with remuneration and personal financial well-being / Wilmie Vosloo." Thesis, 2014. http://hdl.handle.net/10394/13455.
Full textMCom (Management Accountancy), North-West University, Potchefstroom Campus, 2014
PapatsornSrichuchart and 巫秀君. "The Effect of Buddhist Philosophy on Personal Financial Well-Being." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/80579968979852593990.
Full text國立成功大學
國際經營管理研究所碩士班
101
This study investigates the effects of Buddhist philosophy on personal financial well-being. To determine financial well-being, compulsive buying behavior, prudent wealth management behavior, financial risk tolerance and financial desire discrepancy are treated as measurement for this study. The literature shows that religion influences an individual ethic, belief, behavior, personality, and habit. However, most of previous studies focus on general religiosity. This study focuses on the specific Buddhist philosophy named “The Four Immeasurables” which are compassion, loving kindness, empathetic joy, and equanimity. The empirical result from 373 international Buddhist respondents shows that “The Four Immeasurables” doctrine positively influences personal financial well-being. It has significant negatively affect to compulsive buying behavior and financial risk management, and has positively effect to prudent wealth management behavior. Although, The Four Immeasurables doctrine has positively effect to financial desire discrepancy, they do show the significant relationship. The current research contributes to financial behavior and personal ethical financial literature. In practical, financial institution can use this finding to better understand Buddhist customers and develop new product and service to match with customers’ preference.
Anh, Tran Thi Van, and Tran Thi Van Anh. "Determinants of financial well-being among Vietnamese migrant workers in Taiwan." Thesis, 2019. http://ndltd.ncl.edu.tw/cgi-bin/gs32/gsweb.cgi/login?o=dnclcdr&s=id=%22107CGU05627008%22.&searchmode=basic.
Full text長庚大學
商管專業學院
107
The purpose of this study was to investigate the factors affect personal financial well-being of Vietnamese migrant workers in Taiwan. The factors financial literacy, financial behaviors and financial stress were taken into consideration. Besides, this paper also examines the mediation effect of financial literacy and financial stress to the relationship of financial behaviors and financial well-being. 390 respondents were collected and encoded into SPSS 20 to conduct data analysis. The findings show that financial behavior and financial literacy are significantly positively related to financial well-being, meanwhile financial stress is significantly negatively related to financial well-being. Furthermore, financial literacy and financial stress is found to mediate the relationship between financial behaviors and financial well-being. As the result, those findings could be used as references for further studies to explore other variables that are related to workers’ financial well-being
Moolman, Jaco. "A framework for the financial literacy skills required by professional athletes in pursuit of sustainable financial well-being." Thesis, 2019. http://hdl.handle.net/10500/26470.
Full textMany individuals spend their working lives attempting to accrue financial resources to sustain them beyond their retirement. The challenge in professional sport is that a professional athlete’s career is often relatively short with various risks that could end it prematurely. In addition, there are various reasons why professional athletes find it challenging to transition to a vocational career after their sporting careers end. This highlights the importance for professional athletes to attain a high level of financial literacy from a young age. Actor-network theory (ANT) provided a suitable theoretical frame for this study by considering the information that could flow in a network around a professional athlete in pursuit of sound financial decisions. This study first developed a framework for the financial literacy skills required by professional athletes in pursuit of sustainable financial well-being. For this purpose, semi-structured face-to-face interviews were conducted with 27 interviewees. ANT was applied to guide the selection of interviewees from a network of influencers that could guide a professional athlete’s financial decisions. The results of these interviews and the open-ended responses provided the basis for the contributed framework. The second part of this multi-layered study was aimed at developing an artefact or research instrument to assess the financial literacy of professional athletes. Design science research provided the overarching research design for this qualitative study with a second round of interviews held with 10 interviewees from the list of interviewees consulted for the first part of the study. The 10 interviewees were purposively selected after taking the primacy of ethical considerations around research into consideration. The developed instrument may be used as it is, or adapted or extended for research beyond the limits of this study. This study could be valuable in assisting professional athletes to avoid financial distress after their sporting careers end. The study will also be of interest to sport governing bodies, the leadership of professional sports clubs, sports agents, legal advisors, accountants, tax experts, financial planners and other financial advisors to improve their understanding of the financial needs and current levels of financial literacy amongst professional athletes.
Tallose werkende mense spaar lewenslank vir hulle aftrede. Die loopbane van professionele sportlui is taamlik kort en boonop kan verskeie risiko’s voortydig 'n einde aan 'n sportloopbaan maak. Om verskeie redes sukkel professionele sportlui buitendien om die beroepswêreld ná ʼn sportloopbaan te betree. Daarom is dit noodsaaklik dat hulle finansieel geletterd raak terwyl hulle nog jonk is. Die speler-netwerkteorie (SNT) bied 'n geskikte teoretiese raamwerk vir hierdie studie aangesien dit toegespits is op die inligting wat deur 'n netwerk om professionele sportlui wat verstandige finansiële besluite nastrewe, vloei. Ten eerste is 'n raamwerk ontwikkel vir die finansiële vaardighede waaroor professionele sportlui vir volhoubare finansiële welstand moet beskik. Hiervoor is halfgestruktureerde onderhoude van aangesig tot aangesig met 27 ondervraagdes gehou. Op grond van SNT is die ondervraagdes gekies uit 'n netwerk van beïnvloeders wat professionele sportlui se finansiële besluite kan bepaal. Die raamwerk het berus op die uitslag van hierdie onderhoude waarin oop vrae gestel is. In die tweede gedeelte van hierdie gelaagde studie is 'n artefak of navorsingsinstrument ontwikkel waarmee die finansiële geletterdheid van professionele sportlui getoets kan word. Die oorkoepelende navorsingsontwerp vir hierdie kwalitatiewe studie is aan wetenskaplike ontwerpnavorsing ontleen. 'n Tweede ronde onderhoude is met 10 van die 27 ondervraagdes in die eerste ronde onderhoude gevoer. Die 10 ondervraagdes is doelbewus ná inagneming van die voorrang van etiese navorsingsoorwegings gekies. Hierdie instrument kan óf onveranderd gebruik word óf aangepas word vir navorsing wat buite die perke van hierdie studie val. Hierdie studie kan voorkom dat professionele sportlui ná 'n sportloopbaan in finansiële nood verkeer. Dit kan ook sportbeheerliggame, die bestuurders van beroepsportklubs, sportagente, regsadviseurs, rekenmeesters, belastingdeskundiges, finansiële beplanners en ander finansiële adviseurs help om die finansiële behoeftes van professionele sportlui en hulle vlak van finansiële geletterdheid beter te begryp.
Batho ba bantši ba tšea maphelo a bona ka moka a ge ba šoma ba leka go hwetša methopo ya ditšhelete ka nepo ya gore e ba tšwetše pele ka bophelo go ya go ile le ka morago ga ge ba rotše modiro. Tlhohlo ka mo papading ye ya sephrofešenale ke gore mošomo wa motšhabeši wa diatleletiki gantši ke o mokopana kudu ebile o na le dikotsi tše mmalwa tšeo di ka o fedišago e sa le ka pela. Godimo ga fao, go na le mabaka a mmalwa gore ke ka lebaka la eng batšhabeši ba diatleletiki ba hwetša go le boima go fetogela go mošomo wa diatla ka morago ga ge mošomo wa bona wa dipapadi o fedile. Se se laetša bohlokwa bja gore batšhabeši ba diatleletiki ba fihlelele maemo a godimo a tsebo ya ditšhelete ba sa le ba bannyane. Teori ya mabapi le tirišano ya bakgathatema (ANT) e fane ka motheo wa maleba wa teori go dinyakišišo tše ge go lebeletšwe tshedimošo yeo e ka welago ka go netweke mabapi le motšhabeši wa diatleletiki ge a nyaka go tšea dipheto tšeo di kwagalago ka ga ditšhelete. Tlhako ye e thomile ke go hlamelwa mabokgoni a tsebo ya ditšhelkete ye e nyakegago go batšhabeši ba diatleletiki ba phrofešenale ge ba nyaka go phela gabotse ditšheleteng go ya go ile. Ka lebaka le, dipoledišano tša motho ka motho tšeo di hlametšwego gore bao ba botšišwago dipotšišo ba fetole ka tokologo di ile tša swarwa le baarabi ba 27. ANT e dirišitšwe go hlahla kgetho ya bao ba botšišwago dipotšišo go netweke ya bahuetši bao ba ka hlahlago diphetho tša ditšhelete tša motšhabeši wa diatleletiki. Dipoelo tša dipoledišano tše le diphetolo tšeo di sa fego moarabi di fane ka motheo wa tlhako ye. Karolo ya bobedi ya dinyakišišo tše tša dikgato tše ntši e be e ikemišeditše go hlama bokgabo goba setlabelo sa dinyakišišo sa go fihlelela tsebo ya ditšhelete ya boradiatleletiki ba phrofešenale. Dinyakišišo tša mahlale tšeo di hlangwago di fane ka tlhamo ya dinyakišišo yeo e akaretšago ya dinyakišišo tše tša boleng gomme karolo ya bobedi ya dipoledišano tšeo di swerwego le bao ba botšišwago dipotšišo ba 10 go tšwa lenaneong la bao ba botšišwago dipotšišo bao ba botšišitšwego dipotšišo ka karolong ya mathomo ya dinyakišišo. Bao ba botšišwago dipotšišo ba 10 ba kgethilwe ka maikemišetšo ka morago ga go hlokomela bohlokwa bja maitshwaro mabapi le dinyakišišo tše di dirwago. Setlabelo seo se hlamilwego se ka šomišwa ka fao se lego ka gona goba sa fetošwa goba sa oketšwa go tla go šomišwa ka dinyakišišong tša ka morago ga tše. Dinyakišišo tše di ka no ba mohola go thuša batšhabeši ba diatleletiki go efoga kgatelelo ya monagano ye e bakwago ke mathata a ditšhelete ka morago ga ge mošomo wa bona wa dipapadi o fedile. Dinyakišišo tše gape di ka ba tša kgahlego go makgotlataolo a dipapadi, go boetapele bja ditlelapo tša dipapadi tša phrofešenale, go badiredi ba tša dipapadi, go baeletši tša molao, go balekodi ba dipuku tša ditšhelete, go ditshebi tša motšhelo, go babeakanyi ba ditšhelete le go baeletši ba bangwe ba ditšhelete ka nepo ya go kaonafatša kwešišo ya bona ya dinyakwa tša ditšhelete le go maemo a bjale a tsebo ya ditšhelete gareng ga bašhabeši ba diatleletiki ba phrofešenale.
Financial accounting
D. Phil. (Accounting Sciences)
Masilo, Kgomotso Hilda. "The role of debt counselling in the financial well-being of consumers in Gauteng." Thesis, 2014. http://hdl.handle.net/10500/14666.
Full textBusiness Management
DCOM (Business Management)
Mpofu, John. "Exploring well-being and life satisfaction during retirement - a qualitative study." Diss., 2019. http://hdl.handle.net/10500/25476.
Full textPsychology
M.A.(Psychology)
Lee, Eunjoo. "Unemployment and its impact on well-being a field study of the South Korean economic crisis, 1997-2001 /." Thesis, 2002. http://wwwlib.umi.com/cr/utexas/fullcit?p3099473.
Full textLin, Yu-Ying, and 林玉瑛. "The Correlations among Well-Being, Customer Satisfaction,and Service Quality ─A Case Study on Financial Service Industry." Thesis, 2012. http://ndltd.ncl.edu.tw/handle/71912341426878788621.
Full text國立彰化師範大學
企業管理學系國際企業經營管理
100
“Well-being” is a goal for everyone that people are likely appealed whenever a TV commercial appears “You shall have happiness!” Apparently, a lot of people are attracted to and interested in “well-being”. There have been lots of studies on sense of happiness, but most of them focus on students, teachers, the elderly, and females. As a staff in financial industry, I could understand the difficulty of financial service industry in making profits in such a competitive environment. Besides, financial services have close relationship with national people and sense of happiness has been widely concerned that the two topics are integrated in this study. With questionnaire survey, this study aims to understand the correlations among well-being, service quality, and customer satisfaction, and tends to enhance customers’ well-being, improve the service quality of financial service industry, increase customer satisfaction with sense of happiness, and promote the profit-making of financial service industry.
Shu, Jiang. "Exploring moderators between perceived stress and well-being of chinese entrepreneurs." Doctoral thesis, 2019. http://hdl.handle.net/10071/21304.
Full textHoje, tanto no nível do governo quanto no nível social, o valor dos empresários empreendedores tem recebido reconhecimento e atenção sem precedentes. Embora a pressão aumente a força motriz para a inovação em certa medida, a pressão excessiva ainda pode causar sérias consequências. Enquanto traz a pressão, as características de alta independência autônoma, diversidade de tarefas e outras de empreendedorismo também podem aumentar a felicidade dos empresários. Como os empresários empreendedores podem manter um alto nível de felicidade sob uma situação de alta pressão é um problema real que merece atenção. Quanto à pesquisa teórica, embora um grande número de estudos tenha estudado os fatores reguladores da relação entre pressão percebida e resultados causados pela pressão na população em geral, ainda existem poucos estudos sobre os fatores reguladores entre a pressão percebida e a felicidade dos empresários. Por isso, com base na das fontes de pressão de empresários empreendedores na China, este estudo concentra-se em uma pergunta de estudo: Quais fatores regulam a relação entre a pressão percebida e a satisfação com a vida dos empresários empreendedores? O texto utiliza principalmente métodos qualitativos e Cochran-Mantel-Haenszel (CMH) para analisar os dados. O estudo descobriu que a estratégia de enfrentamento à pressão, motivação empreendedora, identidade de organização e capital social dentro da equipa empreendedora desempenham uma função reguladora entre a pressão percebida e a satisfação com a vida. Em termos, o estudo descobriu que (1) o uso da estratégia de solução de problemas pode aliviar o impacto negativo da pressão percebida na satisfação com a vida; (2) os empresários com motivação empreendedora interna podem alcançar maior sensação de felicidade; (3) os empresários sem identidade de organização clara podem obter uma maior sensação de felicidade; (4) O alto capital social TMT pode aliviar o impacto negativo da pressão percebida na satisfação com a vida. A conclusão deste texto tenta explorar as fontes de pressão dos empresários empreendedores na China e os fatores regulatórios na relação entre a pressão percebida e a sensação de felicidade, estabelecendo uma base teórica para os futuros testes comprobatórios.