Dissertations / Theses: '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.

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Thesis (Ph. D.) -- University of Maryland, College Park, 2006.
Thesis 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.

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Porter, Nancy M. "Testing a model of financial well-being." Diss., Virginia Tech, 1990. http://hdl.handle.net/10919/39899.

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This study was designed to empirically test a conceptual model and measurement of financial well-being as a function of (a) personal characteristics; (b) objective attributes, quantitative indicators of the financial domain and financial management behaviors of respondents; (c) perceived attributes, subjectively assessed life conditions and perceptions of financial situation; and (d) evaluations of financial situation using various reference points as standards of comparison. Two sub-problems were investigated in the study: (a) Which group of attributes, personal characteristics, objective attributes, perceived attributes, or evaluated attributes, significantly explains variance in perceived financial well-being?; and (b) Which individual attributes significantly explain variance in perceived financial well-being? A mail survey was conducted from October of 1989 through January of 1990 with a randomly selected sample of Virginia citizens (N = 1,500). After an initial mailing and two follow-up mailings, 529 questionnaires were returned of the 1,450 that were received by respondents, providing a 36.5% total return rate (529/1,450). Twenty-three questionnaires were blank or unusable, yielding a useable return rate of 34.9% (506/1,450). Demographic characteristics of the sample were similar to those of the population of Virginia citizens. Financial well-being, as measured by an adaptation of Cantril's (1965) 11-point self-anchoring striving scale, was the dependent variable. All of the independent variables regressed on the dependent variable produced an R 2 of .71, which was statistically significant (p < .01). Removing each group of attributes individually from the regression equation resulted in a significant (p < .01) decrease in the resulting adjusted R2s as computed by F ratios. All attribute groups were determined to be essential to the measurement of financial wellbeing. Individual variables with a significant t ratio (p < .05) were the Perceived Attribute Index, Index of Well-Being, and full-time employment status. The results of the study supported the conceptual model. Results clearly verified the measurement of financial well-being as a function of personal characteristics, objective attributes, perceived attributes, and evaluated attributes.
Ph. D.

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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.

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AIMS The programme of research had two main aims: (1) to examine the relationships between objective financial status, subjective financial well-being, psychological well-being and physical health in later life, and (2) to examine the extent to which people aged 40 years and over are able and willing to prepare for their financial well-being in old age. DESIGN These aims were addressed during two separate research phases. Phase 1 consisted of two studies (1) an in-depth interview study and (2) a postal survey. Phase 2 comprised an indepth interview study. SETTING The programme of research was conducted in the West of Scotland. Both Phase 1 and Phase 2 interview studies were restricted to interviewees residing in Renfrew district. The Phase 1 postal survey covered a more extensive geographical area, encompassing three additional local government districts (Argyll and Bute, Dumbarton & Inverclyde). PARTICIPANTS Respondents were randomly selected from the Argyll and Clyde Health Board Community Health Index (CHI). Additional interviewees for the Phase 1 interview study were obtained through Renfrewshire Elderly Fora. Eighty-four individuals were interviewed in Phase 1 and a further 279 respondents completed postal questionnaires. Eighty-two interviewees participated during Phase 2. RESULTS Phase 1 found that social comparison processes largely mediate the relationship between objective and subjective financial well-being. Although subjective financial well-being was related to psychological well-being, objective financial status was not independently associated with psychological health. Both objective and subjective financial well-being were positively related to physical health. Phase 2 found that most respondents placed high importance on adequate financial resources and the need to plan for retirement. However, great diversity in planning behaviour was observed. Few respondents had considered provision for long-term care. CONCLUSIONS This research has demonstrated the association between financial well-being and psychological and physical health. Further research is needed to decipher the complex causal pathways through which financial well-being influences both the quality and quantity of life. It is strongly advocated that future studies include broader more comprehensive measures of financial well-being.

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Ngamaba, 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.

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The motivation for subjective well-being research rather than Gross Domestic Product (GDP) is becoming important to the roles of many governments across the globe and so identifying the strongest correlates of subjective well-being is vital as a starting point to informing policies that support subjective well-being. This thesis investigated the correlates of subjective well-being. Chapter 1 introduced the topic and has been divided into two parts: section 1 explores the motivation for subjective well-being research and section 2 presents the conceptual model of subjective well-being. Chapter 2 gave the rationale for the methodological approaches taken to investigate factors that are associated with subjective well-being. Also, the methods chapter presented limitations of the data used. Chapter 3 explored the determinants of subjective well-being in representative samples of nations; and the results obtained in chapter 3 led to three systematic reviews and meta-analyses (Chapter 4, 5 and 6). Chapter 4 conducted a systematic review and meta-analysis of the association between income inequality and subjective well-being to test the general assumption that people's subjective well-being can be increased by tackling income inequality and investigated inconsistencies of previous studies reporting a negative, positive or no association between income inequality and subjective well-being. Chapter 5 carried out a systematic review and meta-analysis of the association between health status and subjective well-being because the results of the empirical study conducted in chapter 3 suggest that health status is positively associated with subjective well-being. Chapter 6 conducted a systematic review and meta-analysis of the association between financial satisfaction and subjective well-being as the results of the empirical study conducted in chapter 3 suggest that financial satisfaction is positively associated with subjective well-being. Chapter 7 discussed the results, highlighted the need for further studies and policy directions and concluded. Taken altogether these studies suggest that: (1) subjective well-being is important to informing policies that support subjective well-being, (2) they might be circumstances where income inequality may not be associated with people's subjective well-being, (3) health status and financial satisfaction are positively associated with subjective well-being and the magnitude of the association is affected by key operational and methodological factors, (4) life satisfaction might be preferred to happiness as a measure of subjective well-being because it may better captures the influence of health status and financial satisfaction, (5) government policies that support subjective well-being measures should consider using self-reported health status and financial satisfaction amongst factors that are correlated with people's subjective well-being, (6) the association between health status and subjective well-being and the link between financial satisfaction and subjective well-being are medium and further research is required to identify other strongest correlates of subjective well-being.

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Курочкіна, 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.

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We need money to survive, we need money to take care of our family, and we also need money to make our dreams come true. We spend most of our adult lives working hard and earning money so that we all can achieve our cherished goals. When you are citing the document, use the following link http://essuir.sumdu.edu.ua/handle/123456789/31091

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Painter, 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.

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Redelinghuys, Maruschka. "The Effect of Compensation Structures on the Well-being of Financial Advisors." Diss., University of Pretoria, 2017. http://hdl.handle.net/2263/60518.

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Orientation: The financial sector comprises of the biggest part of South African economy. Organisations are growing fast and changes also happen rapidly which leave employees uncertain. Without the necessary perceived organisational support employees can suffer from several psychological illnesses such as burnout, over-/under committed or feeling unsatisfied with their lives. Research purpose: The purpose of this study was to investigate whether different compensation structures, namely (i) fixed salary; (ii) fixed salary and commission; and (iii) commission only, will influence employees' perceived organisational support, organisational commitment, burnout and satisfaction with life of financial advisors within South Africa. Research design, approach and method: The present study used a quantitative research approach, with a non-experimental, explanatory and cross-sectional survey design, with a population in the financial industry (n=105). The statistical analyses that were conducted include descriptive statistics, exploratory factor analyses (EFA), and multivariate analysis of co-variance (MANCOVA). Main findings: This study brought new insights in how the different outcomes of wellness may be related to perceived organisational support, and how they differ for different types of compensation structures. Specifically, it was found persons receiving fixed salaries experienced higher levels of affective commitment, but they may also be more prone to burnout. Practical/managerial implications: The present study sheds light on the effect of different compensation structures on employees' wellness in terms of Perceived organisational support, organisational commitment, burnout and satisfaction with life. The results can be used by organisations to introduce more suitable compensation structures for a healthier workforce, which could result in higher levels of commitment, and would reduce burnout. In this study it was found that financial advisors who receive a fixed salary are more prone to burnout. Perceived organisational support was significant with all the constructs except for continuous commitment.
Mini Dissertation (MCom)--University of Pretoria, 2017.
Human Resource Management
MCom
Unrestricted

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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.

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Thesis: S.M. in Engineering and Management, Massachusetts Institute of Technology, School of Engineering, Institute for Data, Systems, and Society, System Design and Management Program, 2014.
Cataloged 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

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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.

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Brooks, 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.

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The most commonly cited reason for dropping-out of a college program is financial issues (Johnson, Rochkind, Ott, & DuPont, 2009). While some financial issues may be related to access to financial resources, others may be related to how college students respond to financial stress. Boss’ (2002) model of family stress (Figure 1) noted the ability to cope with a crisis is influenced by available resources and perception of an event. This framework suggests the amount of financial distress perceived by young adults is influenced by available resources (e.g., parental support or financial knowledge), and internal (psychological) factors, such as self-esteem and locus of control (Boss, 2002). It is hypothesized that perceived financial well-being (perceived outlook of their financial situation), the level of control students have (e.g., locus of control) and how they perceive themselves (e.g., self-esteem) will influence perceived financial distress (ability to manage finances and education), above and beyond, and financial knowledge. To conduct the analysis, a convenience sample of 612 undergraduate college students from a Southeastern University were surveyed to determine whether their financial knowledge (i.e. credit and debit, savings, taxes, and insurance knowledge), perceived financial well-being, self-esteem and locus of control had an effect on financial distress. The results of a multiple linear regression revealed respondents’ well-being (β = .61, p < .01) and locus of control (β = .18, p < .01) are significant indicators of financial distress among college students. Specifically, for every one point increase in financial well-being, financial stress decreases by .69 points (b = -0.69, p < .01) and for every one point increase in locus of control (suggesting an increase in external locus of control), financial stress increases by .21 points (b = 0.21, p < .01). Furthermore, financial knowledge and self-esteem was not significantly related to financial stress among college students (β = -0.04, p = .11, and β = -0.10, p = .02 respectively). As such, college student’s financial distress is lower when students possess a positive outlook on their financial well-being, have an internal locus of control, and have high self-esteem. Financial knowledge had less influence on financial distress, but this finding may be a product of the level of financial knowledge among college students.

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Horwitz, Edward J. "Three essays on the effectiveness of financial education in the workplace." Diss., Kansas State University, 2015. http://hdl.handle.net/2097/19109.

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Doctor of Philosophy
Department 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.

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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.

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Companies, also financial institutions, realign, redesign, restructure and downsize on an ongoing basis, increasing tension in employees to survive in the work environment. Besides coping with the impact of recessions and layoffs, employees also have to cope with increased workloads and the pressures of modem life. Employment is not only a means of financial viability, but also defines individuals' identities. Job loss - or even the threat of it - can be psychologically devastating and may influence the psychological well-being of employees. This may impact their perceived job satisfaction as well. The current trend within organisations is to move towards a model that focuses on strengths, where individuals take charge of their own lives and have effective working conditions where they successfully cope and perform optimally. The objective of this research was to determine the relationship between psychological wellbeing (i.e. self-efficacy, positive and negative affect, and sense of coherence) and job satisfaction of employees in a financial institution. The research method for this article consisted of a brief literature review and an empirical study using a cross-sectional survey design to collect data. An availability sample (N = 117) was taken from employees from different levels in a financial institution. The Minnesota Satisfaction Questionnaire (MSQ), Generalised Self-Efficacy Scale (GSES), Affectometer 2 (AFM), Orientation to Life Questionnaire (OLQ) and a Biographical questionnaire were administered. The statistical analysis was carried out with the help of the SPSS-programme. The statistical methods utilised in the article consisted of descriptive statistics, Cronbach alpha coefficients, Pearson product-moment correlation coefficients, Regression analysis and Manovas. The results showed acceptable internal consistencies for all the constructs. Product-moment correlation coefficients showed significant positive correlations between self-efficacy, positive affect, sense of coherence and job satisfaction and significantly negative correlations between negative affect, self-efficacy, positive affect and sense of coherence. Self-efficacy, positive and negative affect, and sense of coherence predicted 19% of the variance in job satisfaction with sense of coherence the only significant predictor of Job Satisfaction. No differences in terms of biographical characteristics in the experience of self-efficacy, positive affect, negative affect, sense of coherence and job satisfaction could be found. Recommendations for future research were made.
Thesis (M.Com. (Industrial Psychology))--North-West University, Potchefstroom Campus, 2006.

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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.

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Background: Rectal cancer 5-year survival has increased from 58% of those diagnosed in 1987-1989 to 68% of those diagnosed in 2003-2009. Rectal cancer patients commonly receive one of two surgical treatments: permanent ostomy (a resection of tumor following by a stoma) or anastomosis (a resection followed by a reconnection with or without a prior temporary ostomy). The multifaceted consequences of both types of surgery potentially can affect both long-term psychological well-being and financial concerns of patients and their families. The overall goal of this dissertation is to increase the understanding of the impact of depression on the quality of life of rectal cancer survivors. Methods: The research data were based on a quality of life survey conducted in 2010-2011 among long-term survivors (≥ 5 years post-diagnosis) of rectal cancer. Participants were identified through the Kaiser Permanente (KP) health systems in Northern California and Southwest Washington/Oregon. Data included both the 2010/2011 survey data and KP electronic medical records (EMRs). Results: 1) The 24.7% prevalence of self-reported current depression among long-term rectal survivors was observed with a higher prevalence of 31% among those with permanent ostomies. Although average perceived financial burden level was low in this population of insured cancer survivors, 20% still reported moderate-to-high burden. Perceived financial burden was especially high among those who recalled having depression immediately after surgery and reported depression at the time of survey.2) All self-reported measures showed low sensitivity varying from 26% to 56% and high specificity from 77% to 82.7% against either diagnostic scheme from EMRs. Using either diagnostic scheme, the MCS-12 measure, a Mental Composite Summary (MCS) score from the 12-item Short-Form Health Survey with a cut-off point of≤45.6 for a self-reported depression, performed better as compared to the other two self-reported measures. 3) Approximately one in six rectal cancer survivors experienced depression after their surgery of sufficient severity to result in a depression diagnosis. Among survivors with recurrent depression diagnoses, those with a permanent ostomy reported significantly lower psychological well-being than those with an anastomosis. Conclusions: Depression burden is elevated after receiving surgery and remains a problem long after cancer diagnosis and treatment. Types of rectal cancer surgery received and gender of survivors may complicate the extent of depression burden. Among long-term rectal cancer survivors, having depression is associated with higher perceived financial burden. Chronic or recurrent course of depression may exist in this group of rectal cancer survivors and has significant impact on long-term psychological well-being. Self-reported measures for depression, such as MCS-12 measure with a cutoff point≤45.6, have the potential to be utilized for epidemiological studies when common screening instruments, electronic medical records, or administrative databases are not available. Implications: These findings underline the significance of depression assessments after surgery for this population of rectal cancer survivors and the importance of symptoms monitoring throughout the cancer survivorship continuum. Depressive symptoms should be monitored and managed as early as after cancer diagnosis and surgery to optimize survivors' long-term emotional well-being. In addition, depression screening and treatment as well as discussion of financial issues may have important roles in long-term survivorship care planning, particularly for those with permanent ostomies.

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Camilleri, 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.

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Despite the vast research on the productive aspect of rewards, little is known on how the changes in employees’ behaviour, made to enhance their chances of achieving a reward, influence employee well-being. Previous work has failed to address the process of reward-seeking behaviour from an employee’s point of view as the focus was on the motivational aspect of rewards. This thesis uses the case of Malta’s financial institutions to examine the relationship between reward-seeking behaviour from bonuses and promotions and employee well-being by drawing on expectancy theory and self-determination theory. To achieve its aims, this study adopts a qualitative approach, wherein 42 semi-structured interviews with employees and four interviews with human resources managers are conducted at financial institutions in Malta – two of which are small and medium-sized enterprises and one is a large-sized institution. Memos and diary notes are also used to complement the data collected from the semi-structured interviews. Overall, the results strongly support the idea that while almost everyone values rewards, employees differ in their willingness to engage in reward-seeking behaviour and its influence on well-being. This thesis contributes to knowledge through the development of a theoretical model – the four quadrant reward-seeking behaviour – well-being model. This typology based model classifies employees into four main categories, namely, highly motivated, apathetic, work-life balanced and work-life imbalanced. This two by two matrix also led to another model that depicts reward-seeking behaviour and well-being as a non-sequential process. The findings have practical implications for human resources practitioners as they now have the capacity to visualise the actual employee mix according to the categories of the model and act on any significant gaps.

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Nyström, 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.

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Previous research has shown time and risk preferences to be important factors when explaining a variety of behavioural patterns, such as smoking, obesity and savings behaviour, while we focus on the effect on financial behaviour and financial well-being. Financial behaviour is measured using a twelve-item scale with individuals’ self-stated reports of for example savings behaviour and credit card usage. To measure financial well-being, we construct a measure consisting of individual’s self-perceived current and future financial condition. Time preferences are revealed by matching questions and we use different ways of measuring risk, both self-stated risk attitudes and risky choices revealed by gambles. Our results show that increased short term patience, leads to better financial behaviour. Also, individuals with higher financial risk attitudes, exhibit better financial behaviour. Contradictory, regarding actual decisions, the impact is different and being loss averse, has a positive impact on financial behaviour. Financial well-being is on the other hand influenced positively by both more short and long term patience. It also increases with general and financial risk attitudes. Risky choices do not have an impact on financial well-being. We show that risk preferences are affected by time preferences. Having a high short term discount rate leads to higher financial risk attitudes and increases the likelihood of being loss averse, while it decreases the likelihood of being risk averse. Our results are important for understanding heterogeneity in financial decision making and the financial well-being it fathers. This quantitative study is based on a large, representative sample of the Swedish population (N=2063).
Tidigare 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).

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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/.

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This thesis aims to contribute to the existing literature relating to household finances and well-being by considering three related, yet distinct, topics. Recently, household finances and well-being have received increasing academic attention for numerous reasons, including the recent economic downturn. This thesis aims to explore household finances, well-being and the relationship between them. Chapter 2, the first empirical chapter, investigates the determinants of household financial portfolio allocation in the U.S. by exploring the proportion of total financial assets allocated to four distinct asset categories. The chapter employs a variety of econometric techniques to ascertain whether accounting for the proportional nature of the dependent variables influences the estimated coefficients. The analysis shows that it is important to separate decisions over holding different asset types and the proportions held. Chapter 3 explores the relationship between the household’s financial position and well-being in Britain, Australia and Germany. Building on the existing literature by employing panel data techniques, the analysis suggests that subjective financial position is an important determinant of well-being, while monetary levels of the household’s financial situation have a limited direct impact on well-being. Chapter 4 aims to ascertain the determinants of the subjective financial position and further explores the relationship between the head of household’s subjective financial position and overall life satisfaction in Australia and Germany. It is found that assets and net wealth are positively related to the subjective financial position, whereas debt levels are inversely related. In addition, risk attitudes are found to be an important determinant of subjective financial position. For Australia, once a joint modelling approach is implemented, there is no statistical relationship found between the head of household’s subjective financial position and overall life satisfaction. In Germany, the subjective financial position appears to mediate the relationship between monetary financial measures and overall life satisfaction.

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Kim, Jinhee. "The Efffects of Workplace Financial Education on Personal Finances and Work Outcomes." Diss., Virginia Tech, 2000. http://hdl.handle.net/10919/27080.

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The purpose of this research was to examine the effects of workplace financial education on workers' personal finances and work outcomes and determine relationships among financial management (attitudes, knowledge and behaviors), financial well-being, personal finance-work conflict, and work outcomes with data of white-collar workers in an insurance company in mid-western states. Research questions were (1) What are the profiles of financial attitudes, financial knowledge, financial behaviors, financial well-being, personal finance-work conflict, productivity, absenteeism, work time use, organizational commitment, pay satisfaction, loyalty, and intention to leave?, (2) Do the profiles of financial attitudes, financial knowledge, financial behaviors, and financial well-being differ by the individual characteristics?, (3) Do the profiles of personal finance-work conflict, productivity, absenteeism, work time use, organizational commitment, and pay satisfaction differ by the individual characteristics?, (4) What are the relationships among financial attitudes, financial knowledge, financial behaviors, financial well-being, and work outcomes (productivity, absenteeism, organizational commitment, and pay satisfaction)?, (5) What are the effects of workplace financial education on financial attitudes, financial knowledge, financial behaviors, financial well-being, and work outcomes?, and (6) What are the individual profiles of workplace financial education including participation, value of workplace financial education, reasons for participation and non-participation, desire for financial check-up, and desired topics of workplace financial education? The research design was a pre- and post-assessment survey. A pre-assessment survey was conducted in February and March 1999 before workplace financial education was provided during March 1999. One-and one-half hour workplace financial education workshops were provided at no cost to employer or employees in March 1999. Three months after the workplace financial education was provided, a post-assessment survey was conducted from June through August 1999. A pre-assessment questionnaire was mailed to all 476 workers (five were undeliverable) and 262 responses were utilized for data analysis. In the post-assessment, 482 questionnaires were mailed to workers and five were undeliverable. Usable return rates for the data analysis were 56.0% in the pre-assessment (262/471) and 40.0% in the post-assessment (189/477). Overall, the respondents in this study were somewhat positive toward financial management, were not knowledgeable on financial matters, and were practicing their financial behaviors fairly well. Objective financial well-being measures showed that workers were in fairly good financial condition but the levels of subjective financial well-being were about the mid-point on a scale, when each score was converted into a percentage. The workers reported that they were very productive, did not miss work days frequently, were highly committed to their organization, and they showed fairly high levels of pay satisfaction. Workers were very hesitant to admit to direct questions asking about whether or not their financial concerns interfered with their responsibilities at the workplace while they were not always able to do normal work even though they were present in the office and spent some work time handling financial matters. Some of individual characteristics influenced financial attitude, financial knowledge, financial behavior, financial well-being, personal finance-work outcomes, and work outcomes. The tests of the structural equation model showed that worker's personal finances had direct and indirect effects on work outcomes. The financial well-being had a negative effect on personal finance-work conflict. The financial well-being had direct effects on negative work time use and pay satisfaction. The financial well-being had indirect effects through personal finance-work conflict on absenteeism, negative work time use, and organizational commitment. The t-test results did not show the significant effects of workplace financial education on personal finances and work outcomes between the pre- and the post-assessment.
Ph. D.

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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.

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With the onset of globalization, the economic contexts and working conditions within many countries are changing, presenting new challenges' for governments, organizations, and workers. Amid these challenges, concerns about personal finances are prevalent among employees and detrimental to workers' health, well-being, and families. Research on how this financial stress affects employees at work is lacking. In this thesis, I propose an appraisal-based model of financial stress whereby actual income and expenses are related to perceptions of income adequacy to afford wants and needs. These adequacy perceptions are, in turn, related to financial strain, representing a heightened negative affective state regarding one's financial situation. I hypothesize that, through a drain in emotional resources, financial strain will negatively predict life satisfaction by potentially inhibiting participation in healthy, enjoyable behaviors. I argue that this drain in emotional resources will also inhibit successful task performance and restrict participation in discretionary citizenship behaviors. Data from two working samples provide support for the hypothesized financial stress model and establish preliminary evidence of construct validity for new financial stress scales. In a prospective investigation, financial strain fully mediated the effects of income adequacy on subsequent life satisfaction, but was not related to job performance. Instead, perceived income adequacy to afford wants had a direct negative relationship with both task performance and citizenship behaviors at work, while income adequacy to afford needs had a positive direct effect on organizational citizenship behaviors. This work resolves many conceptual inconsistencies about financial stress in the literature, and contributes to the understanding of how income perceptions and financial stress might influence psychological resources and work motivation. This work has important implications for how organizations manage employees who may be experiencing low income adequacy and high financial strain. Finally, there are several meaningful opportunities for future research that would substantially build upon existing theory and evidence in this new area of financial stress and work.

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Van, 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.

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Aknin, 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.

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Can money buy happiness? Recent research has shown that how people spend their money can have important consequences for their well-being. Specifically, research by Dunn, Aknin, and Norton (2008) demonstrated that spending money on others (prosocial spending) leads to higher levels of happiness than spending money on oneself (personal spending). This dissertation extends upon the work of Dunn et al. (2008) in five ways. First, Study 1 examines whether the mood benefits of prosocial spending are self-perpetuating by asking people to recall a previous personal or prosocial spending experience, report their happiness and make a future spending choice. Findings support the presence of a feedback loop; recalling a previous act of prosocial spending led to higher levels of happiness, and higher levels of happiness, in turn, predicted a willingness to engage in prosocial spending again. Second, Studies 2 - 4 test whether the relationship between prosocial spending and happiness requires positive social connection. Participants given the opportunity to spend on others by making a charitable donation (Study 2) or engaging in interpersonal spending (Studies 3 and 4) were happier when giving allowed for positive interpersonal connection with a beneficiary, but not when this connection was blocked or minimized. Third, Studies 5 and 6 examine whether perceived prosocial impact – the belief that one made a positive influence on someone else– represents another critical moderator of the emotional benefits of generous spending. Fourth, Studies 7, 8a, and 8b investigate whether the happiness benefits of prosocial spending exist outside North America and in other countries around the world. Using data from the Gallup World Poll, the relationship between prosocial spending and well-being was found to be positive in the majority of countries surveyed (Study7). Furthermore, participants in Canada and Uganda (Study 8a) and India (Study 8b) who recalled making a purchase for someone else reported higher levels of happiness than those who recalled making a purchase for themselves. Finally, Study 9 explores whether the emotional benefits of sharing one’s resources are detectable in children (< 24 months). Taken together, this research provides greater insight into the relationship between generous financial behavior and well-being.

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Sommers, 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.

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Watson, 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.

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For most tertiary students, participation in higher education occurs directly after high school, when they are navigating a dynamic, and potentially stressful, pathway to adulthood. The years spent studying are often the most cash-strapped for young adults, when economising heavily and sometimes going without are normative experiences. Australian university students report substantial hardship, regularly cutting back their spending on basic necessities and simple life pleasures (Bexley, Daroesman, Arkoudis & James, 2013). A limited income and having to economise in many areas of life can take a toll on health and well-being. This dissertation examines the associations between experiences of financial hardship, perceived strain and psychological well-being for young adults at university. How these associations differ for student young adults with and without supportive resources is then examined. Finally, the associations between financial normative socialisation and young adults’ financial behaviours are explored between students and full-time workers. Two samples of Australian young adults were surveyed. The first two studies include 614 Western Australian university students (67% female, Mage = 20.83, SDage = 2.02) drawn from a single tertiary institution as part of the Australian Pathways to Life Success for University Students (AusPLUS) survey. The third study includes a sample of 301 Western Australians (68% female, Mage = 18.15, SDage = 1.04) surveyed as part of the Post-High School follow up to the Youth Activity Participation Study (YAPS). In both samples, respondents completed a web-based survey.
Thesis (PhD Doctorate)
Doctor of Philosophy (PhD)
School of Applied Psychology
Griffith Health
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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.

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This dissertation aims to address the importance of financial literacy within the capability approach framework in the context of microfinance institutions’ clients in Indonesia, by raising four main issues. The first touches on financial capability and specifically focuses on its conceptualisation, predictors, and relationship with quality of life. A participatory method was employed to understand whether financial literacy is viewed as an important element of financial capability. An index of financial capability was built to investigate factors predicting financial capability and the relationship between financial capability and quality of life. The results suggest that socio-demographic discrepancies in financial capability exist, and financial capability is relevant for the improvement of quality of life. The remaining three issues centre on the instrumental value of financial literacy. In the second part, it is proposed that financial literacy is a relevant conversion factor. Within the capability approach literature itself, there is a lack of empirical discussion on conversion factors. It can be concluded that financial literacy is associated positively with conversion rate efficiency. The third research topic examined is the role of financial literacy in household financial decision-making authority. Previous studies have used household decision-making authority as a reflection of agency, which is an important building block of the capability approach. This thesis focuses on financial decision making, which is often perceived as “difficult”, “boring”, and “full of uncertainties”. It is suggested that the relationship between financial literacy and household financial decision-making authority is complex and contingent upon various factors. The role of financial literacy in the relationship between financial decision-making authority and subjective well-being is the last topic investigated in this dissertation. While decision-making authority has been argued as a reflection of human agency and source of power within households, it can also be perceived as a burden. These two interpretations of authority lead to an unclear relationship between household financial decision-making authority and subjective well-being. While a negative relationship between household financial decision-making authority and subjective well-being can be found among those with low levels of financial literacy, a similar correlation is absent among those who score high in financial literacy. This suggests that skills are important for people to value agency.

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Le, 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.

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Researchers 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.

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Civettini, Nicole Hagan Wolensky. "Same-sex unions: Do theories of marriage apply?" Diss., University of Iowa, 2009. https://ir.uiowa.edu/etd/229.

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This dissertation addressed whether and how theories of marriage apply to same-sex relationships. These theories correspond to two main research questions. First, does the legal recognition of same-sex relationships provide the same benefits for members of same-sex couples that it does for different-sex spouses? Second, how do same-sex couples divide household labor, and, should inequalities emerge, what factors explain the division of labor? Marriage provides numerous benefits to husband/wife couples who wed, including better mental and physical health, greater financial security, and higher levels of sexual satisfaction. Using results from a web-based survey of members of same-sex couples and same-sex-attracted singles (N=429), I tested the applicability of the "marriage benefits model" to same-sex marriages, civil unions, domestic partnerships, and cohabiting couples. Although the focus of the same-sex marriage debate has been on the positive attributes of marriage, marriage for different-sex couples is also associated with great inequity in the division of household labor. Explanations for the housework gap point to gender or are tied up in correlates of gender, such as income and work hours. I also explored variations in the division of household labor in same-sex marriages and partnerships and tested extant theories of housework inequality. Results indicated that legal recognition (marriages and civil unions) does provide some benefits to financial well-being and physical health. Defining one's own relationship as a marriage (regardless of legal recognition) was more strongly associated with "marriage" benefits, including greater financial well-being, an improved sexual relationship, and fewer health-risk behaviors. Femininity was positively related to proportional housework contributions, and proportional work hours were inversely related, to proportional housework, supporting both the gender and time availability explanations of housework inequalities. Interactions between gender and relationship characteristics and between time availability and relationship characteristics were also explored.

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Scheier, 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.

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Objective Objective of this study was to investigate the impact of the recent economic crisis of 2007/2008 on the subjective well-being and health status in thirteen European countries. Methods The European Social Survey (ESS) database was searched for individual health and wellbeing indicators and the database of the European Commission Eurostat for economic indicators. Data representing social determinants like education, housing and employment status and others before, during and after the crisis were retrieved. Eurostat data were used to analyse economic indicators and health outcomes on country level. Descriptive statistics were used to describe the changes in the different parameters over time. Regression analysis was performed to demonstrate relations between subjective well-being and different social determinants. Results Between 2006 and 2012 all countries experienced changes in their populations' subjective well-being. From 2006 to 2010 (crisis) the number of people with good or very good subjective well-being increased in France, Ireland, Belgium and Portugal by 0.6%, 1.0%, 1.2% and 6.5%, respectively. In Denmark and Spain this number remained basically stable. In Sweden, the United Kingdom, Finland and Germany the percentage of the population with good or very good subjective well-being decreased by 1.1%, 2.7%, 1.7% and 2.8%, respectively. Regression analysis demonstrated a significant relation between good and very good subjective well-being and level of education, main activity during the last 7 days, satisfaction with life, satisfaction with household income, main source of household income, gender and age. This relation differed for various factors and countries. In none of the countries satisfaction with national health services and satisfaction with current state of economy within the country was found significantly related to subjective well-being. The main amendable determinant correlating with a higher degree of subjective well-being is good education. The correlation between education and subjective well-being got stronger after the crisis than before or during the crisis. Conclusion Economic development does not have a uniform impact on subjective well-being. Education is a major amendable determinant influencing individual well-being. We could not find evidence for any significant impact of the organization of the healthcare services or social system on the subjective well-being.

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De, 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.

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Work stress has a substantial impact on employees, organisations and economies; especially in the fragile economic environment since the ‘Great Recession’ of 2008; which has seen employment levels drop and employees willing to endure more stress at work to avoid retrenchment. These impacts include serious health and financial consequences. Attempts should therefore be made to effectively manage and address work stress to lessen these dire consequences. Many models have been developed and theorised to assist in explaining work stress, the pinnacle of these being the job demands-resources (JD-R) model. In JD-R theory, the dual process explains that work-related well-being follows the following processes: An energetic, also called the health impairment process, in which job demands leads to ill health outcomes through burnout; and then a motivational process which presents that job resources leads to positive organisational outcomes, e.g. organisational commitment, through engagement. The main objectives of this research were 1) to investigate a JD-R model in a large South African sample with a categorical estimator; 2) to investigate the reversed causal hypotheses of burnout and engagement in job demands-resources theory over time; 3) to investigate the likelihood of reporting treatment for health conditions based on burnout and engagement, and 4) to investigate the link between burnout and objective financial outcomes, i.e. by medical aid provider expenditure. To achieve the first objective a cross-sectional design was used (n = 15 633) covering numerous sectors in South Africa. A dual process model was specified with job demands (work overload) leading to ill health through burnout, and job resources (colleague and supervisor support, communication, growth opportunities and role clarity) leading to organisational commitment through engagement. Results of structural equation modelling indicated that the proposed JD-R model was a good fit to the sample. Furthermore, burnout was found to mediate the relationship between job demands and ill health with a medium effect. Engagement was found to mediate the relationship between job resources and organisational commitment with a large effect. The second objective, concerning reversed causality, was achieved with a longitudinal design (n = 593). The hypothesized model included burnout and engagement at time one, and at time two work overload as indicator of job demands, and colleague and supervisor support, communication, growth opportunities and role clarity as indicators of job resources. Results indicated that burnout had a significant negative reversed causal effect to supervisor support and colleague support. Engagement showed only one significant result, i.e. a small negative reversed causal relationship with supervisor support. To achieve the third objective, a cross-sectional design was used (n = 7 895). Results for logistic regression analyses showed that an increase in burnout was associated with a significant increase in the estimated odds for reporting an affirmative answer for receiving treatment for any of the health conditions, i.e. cardiovascular conditions, cholesterol, depression, diabetes, hypertension and irritable bowel syndrome. In contrast, an increase in engagement was associated with a decrease in affirmative reporting for cardiovascular conditions, cholesterol and depression; but not for diabetes, hypertension or irritable bowel syndrome. Addressing the link between burnout and financial outcomes was the fourth objective; and met with a cross-sectional design (n = 3 182). Participants were divided into a high and low burnout group based on the comorbidity of exhaustion and cynicism Analysis of covariance (ANCOVA) was implemented, controlling for age and gender, to investigate the difference in medical aid provider expenditure of the two groups. Results revealed that expenditure in the high burnout group was consistently more in all cases, compared to the low burnout group. By way of conclusion, the implications of the research were discussed and recommendations for managers and for future research were made.
Thesis (PhD (Industrial Psychology))--North-West University, Potchefstroom Campus, 2013

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Spann, Scott M. "Three essays on financial wellness in the workplace." Diss., Kansas State University, 2014. http://hdl.handle.net/2097/18412.

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Doctor of Philosophy
Department 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.

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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.

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Master of Science
Department 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.

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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.

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Financial management as a programme generally refers to a set of behaviours in the areas of cash management, credit management, financial planning, investments, insurance and retirement and estate planning (Dowling, Corney & Hoiles, 2009: 5). BancVue (2010) adds by describing a personal financial management programme as a tool that helps consumers to track and manage their finances, create budgets, categorise and anticipate spending, and analyse the distribution and performance of their investments. It involves the efficient use of personal finance to meet the individual s motives and goals . Survival in this century depends on having resources to sustain one self. The greatest resource nowadays is having income to meet the basic needs and other personal needs as indicated by Maslow s hierarchy of needs (Moaisi, 2013: 21). The income earned by an individual, just like any other resource, needs good management to ensure that the best value can be extracted and utilised efficiently and effectively (Muske & Winter, 2004). It is for these reasons that all consumers should have basic knowledge and skills in terms of personal financial management that would enable sufficient control of finances, resulting in meeting their basic needs and other necessities (Moaisi, 2013: 21-22). The researcher is of the opinion that in order to educate consumers government and the private sector should start by strengthening financial literacy programmes for all, especially the younger generation. If people are more financially literate, they will understand credit and debt management better. It is a well-known fact that there is a high prevalence of indebtedness among public servants in the public sector (Public Commission Report, 2007). A report released by the University of Pretoria, Law Clinic (Haupt et al., 2008:14) revealed that about R235 million (23%) which contributed to the garnishee debt of public servants was based in the national departments. This indicated that there was a substantial number of employees in national departments who were serving garnishees orders. This was confirmed by a report released by PERSAL in the Department of Rural Development and Land Reform in the Pietermaritzburg region which revealed that between March 2009 and January 2011, 15% of employees were garnisheed as a result of defaulting contracts with different credit providers. The goal of this study was to evaluate the effectiveness of the Personal Financial Management Programme for the financial well-being of employees in the Department of Rural Development and Land Reform in the Pietermaritzburg region within the KwaZulu- Natal province. A quantitative study has been conducted and the data was collected through a questionnaire from a sample of 15 employees in the Department of Rural Development and Land Reform in Kwa-Zulu Natal province in Pietermaritzburg region. Valuable conclusions and recommendations originated from the findings of this research study. In terms of the quantitative results it was clear that the Personal Financial Management Programme did not make a statistical significant impact on the respondents knowledge level and attitudes towards financial management. However, the qualitative comments made by respondents described the Personal Financial Management Programme as a good intervention and that it should be repeated and offered to a greater number of employees. The implications of the study could be that employees would gain financial skills to help them manage their finances better and therefore improve their work performance and reduce absenteeism as a result.
Mini Dissertation (MSW)--University of Pretoria, 2015.
Social Work and Criminology
MSW
Unrestricted

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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.

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Magister Artium (Development Studies) - MA(DVS)
Entrepreneurship 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.

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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.

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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.

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Conselho Nacional de Desenvolvimento Científico e Tecnológico
The 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.

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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.

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Davidson, Ransford George. "Leadership Strategies to Reduce Employees' Occupational Stress." ScholarWorks, 2018. https://scholarworks.waldenu.edu/dissertations/5849.

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Job-related aspects of the work environment, such as work pressure, workload, leadership, and management support cause occupational stress and increase costs to organizations. Grounded in the job demands-resources model theory, the purpose of this single case study was to explore strategies some bank managers use to reduce employees' occupational stress. The interview process included 5 managers employed at a bank in the Caribbean who successfully implemented strategies that reduced employees' occupational stress. The data collection and analysis process involved face-to-face, semistructured interviews and analysis of organizational documentation. Using the exploratory approach in data analysis, data were systematically integrated, evaluated, and summarized through a process of coding and generating themes and patterns. During the coding process, 4 major themes emerged: organizational protection and leadership, supportive organization, occupational health and well-being, and prevention. Business managers who develop and execute strategies centered on these themes might reduce job-related stress factors and the negative consequences of occupational stress. The study results might prompt business leaders to develop prevention strategies to address the causes of potential stressors linked to work conditions. The implications for positive social change include the potential for improving employee health and reducing health costs to employees, their families, and communities.

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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.

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Lo scopo generale della presente tesi è quello di arricchire la letteratura sul benessere finanziario dei giovani adulti adottando metodologie di ricerca e tecniche statistiche mai applicate in questo filone di ricerca. Nello specifico, nel primo capitolo è stata utilizzata la scoping methodology, ovvero una metodologia di sintesi della letteratura, con l’obiettivo di identificare la definizione, le componenti, i predittori e gli outcome del benessere finanziario dei giovani. Nel secondo capitolo è stata applicata la Latent Transition Analysis, con l’obiettivo di identificare sottogruppi omogenei di giovani rispetto ai marcatori dell’adultità che essi hanno già raggiunto e di verificare la relazione di tali sottogruppi con il benessere finanziario dei giovani che ad essi appartengono. Il terzo capitolo propone una metodologia per sviluppare e validare nuovi strumenti di misurazione, sulla base della visione contemporanea della validità. Tale metodologia, composta da tre diversi step, è stata utilizzata per la creazione di uno strumento adatto a misurare, su un campione di giovani italiani, il benessere finanziario soggettivo. Infine, il quarto capitolo riguarda la multiple informant methodology, che è stata utilizzata per raccogliere informazioni da madre, padre e figlio sul processo di socializzazione finanziaria familiare ed il suo impatto sul benessere finanziario del figlio.
The 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.

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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.

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Lo scopo generale della presente tesi è quello di arricchire la letteratura sul benessere finanziario dei giovani adulti adottando metodologie di ricerca e tecniche statistiche mai applicate in questo filone di ricerca. Nello specifico, nel primo capitolo è stata utilizzata la scoping methodology, ovvero una metodologia di sintesi della letteratura, con l’obiettivo di identificare la definizione, le componenti, i predittori e gli outcome del benessere finanziario dei giovani. Nel secondo capitolo è stata applicata la Latent Transition Analysis, con l’obiettivo di identificare sottogruppi omogenei di giovani rispetto ai marcatori dell’adultità che essi hanno già raggiunto e di verificare la relazione di tali sottogruppi con il benessere finanziario dei giovani che ad essi appartengono. Il terzo capitolo propone una metodologia per sviluppare e validare nuovi strumenti di misurazione, sulla base della visione contemporanea della validità. Tale metodologia, composta da tre diversi step, è stata utilizzata per la creazione di uno strumento adatto a misurare, su un campione di giovani italiani, il benessere finanziario soggettivo. Infine, il quarto capitolo riguarda la multiple informant methodology, che è stata utilizzata per raccogliere informazioni da madre, padre e figlio sul processo di socializzazione finanziaria familiare ed il suo impatto sul benessere finanziario del figlio.
The 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.

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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.

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This study aimed to identify how the beneficiaries of the “Minha Casa Minha Vida” Program (PMCMV), belonging to the Central-western Mesoregion of Rio Grande do Sul, manage their financial resources, including the payment of PMCMV funding, and how PMCMV, Attitude to Indebtedness, Financial Literacy, Financial Well-Being and Financial Management influence their Satisfaction with Life. For this, were applied 561 questionnaires, analyzed using descriptive statistics, confirmatory factor analysis, mean difference tests and regression analysis. The main results reveal that most of them have good financial habits, however, they have difficulty in saving money, have debts and have already had the name linked to the negative register. Majority of beneficiaries consider reasonable the value of the home financing payment. Among the beneficiaries of Range 1, most have already had or have arrears of the household, unlike those in Range 2 and Range 3. The main reason for default is that the installment money has been used for unexpected expenses (illness, unemployment). Individuals were satisfied with PMCMV, believing that life in general, the relationship with the neighborhood and financial life improved. Time spent with locomotion, the access to public health institutions and collective transportation, social work accomplishment and problems related to violence in the neighborhood are aspects that prevent greater satisfaction. Many have medium-to-high Financial Knowledge, develop good Financial Attitudes in relation to the concern with the financial future and savings, and good behavior regarding control and planning of expenses. They feel an intermediate level of Financial Well-Being and have a positive perception of Satisfaction with Life. The validity of all proposed behavioral constructs was confirmed; however, the scales of Satisfaction with PMCMV, Attitude to Indebtedness and Financial Attitude were quite reduced. It was found that individuals with monthly incomes between R$ 3.275,01 and R$ 5.000,00 have a higher Attitude to Indebtedness. The beneficiaries belonging to Ranges 2 and 3, men, married, with higher levels of schooling, civil servants and with income above R $ 5,000.00 have higher Financial Literacy and Financial Well-being. In relation to Satisfaction with Life, the beneficiaries of Ranges 2 and 3, men, who do not have dependents, over 48, widowed, retired, regular self-employed and public employees, with income above R$ 5.000,00 are the most satisfied. It was identified that the variables: Financial Well-Being, Financial Attitude and possessing a credit carnet exert a positive influence on Satisfaction with Life. However, the Financial Knowledge, having debts and being defaulted in PMCMV have a negative impact. Emphasis is placed on the need for greater investments in transportation and health around housing, and to offer to the beneficiaries an opportunity to learn about the importance of financial control, timely payment and savings, as well as a greater awareness that, once the beneficiaries gained the opportunity to own a house, with low installments, they need to pay the installments on time. More research is proposed on the individuals with potential to be beneficiaries and that have effective payment conditions.
O 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.

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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.

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Brites, 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/.

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A comercialização de produtos florestais não madeireiros (PFNMs) popularizou-se como atividade promotora do desenvolvimento socioeconômico de comunidades florestais com baixo impacto ambiental. Há evidências, contudo, de que a exploração possa produzir efeitos ecológicos e socioeconômicos negativos, sugerindo que é necessário monitorar tais iniciativas. A comercialização frequentemente ocorre em áreas remotas e em contextos de pobreza, como é o caso de muitas daquelas da Amazônia brasileira. Desta forma, é necessário que o monitoramento restrinja-se a avaliar os efeitos evidenciados como mais comuns em estudos anteriores. Este estudo revisa e sintetiza as evidências científicas dos efeitos da exploração de PFNMs sobre parâmetros ecológicos e socioeconômicos e, a partir daí, indica aqueles mais relevantes ao monitoramento. O estudo também levanta até que ponto o monitoramento é implementado no contexto da Amazônia brasileira e avalia quais os parâmetros importantes e viáveis de monitoramento neste caso específico. Para isso, foram realizadas revisões sistemáticas da literatura e a consulta a profissionais da área através do método Delphi. Os resultados indicam que efeitos ecológicos negativos são frequentes, principalmente quando se coletam folhas ou cascas. Alterações em órgãos ou processos fisiológicos e a taxa de sobrevivência dos espécimes explorados são parâmetros que devem ser monitorados, em particular quando se coletam frutos e partes vegetativas. Para todos os tipos de PFNMs, o tamanho e a estrutura populacional são parâmetros prioritários ao monitoramento. A riqueza de espécies da comunidade explorada merece atenção, principalmente quando se coletam frutos. Para os aspectos socioeconômicos, efeitos positivos foram mais frequentes que negativos. A contribuição da renda monetária obtida com o comércio na renda total, a regularidade de ingresso desta renda e o papel dos PFNMs como recursos de salvaguarda são parâmetros do capital financeiro prioritários ao monitoramento. Para o capital social, o empoderamento feminino, a coesão de grupo e o acesso aos benefícios gerados pela comercialização devem ser monitorados. Na Amazônia brasileira são poucas as iniciativas de implementação do monitoramento da comercialização de PFNMs. Embora este seja considerado importante, existem dificuldades que derivam principalmente da falta de apoio institucional, políticas de incentivo e de recursos financeiros. Os profissionais participantes do Delphi consideram que os parâmetros ecológicos mais importantes a monitorar neste contexto são o tamanho e a estrutura populacional do recurso explorado, o aumento da taxa de mortalidade, a quantidade total de recurso extraída e a técnica de coleta utilizada. Para os parâmetros econômicos, aspectos do mercado, como o preço pago ao coletor, a demanda e a qualidade do produto, bem como a renda monetária obtida pelos indivíduos são os parâmetros considerados mais importantes. Por fim, para os aspectos sociais, os efeitos na cultura, na qualidade de vida e na organização interna da comunidade foram priorizados. Os profissionais indicam que é viável estabelecer o monitoramento dos parâmetros levantados.
Amazon, non-timber forest products, ecological effects, socioeconomic effects, monitoring.

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41

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.

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Although overall well-being is a well study phenomenon, financial well-being only recently has taken interest in the research field. Accordingly, the aim of this study is to understand the relation between financial well-being, its predictors (financial status, financial behaviour, financial knowledge and financial attitudes) and overall well-being. Additionally, hypotheses were tested with age, gender, household income and area of residence. It was used the quantitative method to gather the data, and to analyse it, the SPPS through linear regression analysis, mediation analysis, independent t-test and an anova test. Regarding the results, the financial status is the only positive and significant impactor on financial well-being and the latter has a significant positive relation with overall well-being. It was also found that financial well-being was a mediator between financial status and overall well-being. Overall, the other predictors did not show a significant effect. Moreover, higher household incomes contribute to increase the financial well-being. Plus, I found that there were differences in financial wellbeing between groups. For example, the older you get does not necessarily implies a higher financial satisfaction. Overall, men appear to have a higher financial well-being than women. In sum, these results show a multidisciplinary concept of overall well-being and that individuals prioritise financial security over the other components. In terms of practical implications, this research is relevant because it highlights the evidence of financial status’ importance in predicting financial well-being, as well as the role of household income for individual financial satisfaction.
Embora 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.

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42

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.

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Financial stress is a condition that is becoming more prevalent in today’s society. Factors such as high debt levels, low savings and economic recessions all contribute to the financial stress experienced by people across all nations. Research has found that financial stress negatively affects employees’ performance at work. Quality employees play a vital role in the success of a business. As a result, employers should strive to ensure employees’ well-being. With these increasing pressures on personal finance and its interference on work, should management attempt to improve employees’ financial well-being? Management needs to be convinced that their actions can improve their employees’ financial well-being. This study established and measured the relationship that the subjective measures financial efficacy and satisfaction with remuneration have on personal financial well-being. A sample size of 9 057 employees from different sectors in South Africa was used. Data was analysed using Pearson correlation coefficients and multiple regression analysis. Three hypotheses were tested. Hypothesis 1: There is a relationship between satisfaction with remuneration and personal financial well-being. Hypothesis 2: There is a relationship between personal financial well-being and personal financial efficacy. Hypothesis 3: Personal financial efficacy moderates the relationship between satisfaction with remuneration and personal financial wellbeing. The study found that all three hypotheses were supported. Personal financial efficacy and satisfaction with remuneration were found to have a large positive relationship with personal financial well-being. The study also established that the relationship between satisfaction with remuneration and financial well-being was stronger in people with higher personal financial efficacy. It is argued that management can intervene with employees’ financial well-being by improving financial efficacy through financial literacy education and by improving their satisfaction with remuneration.
MCom (Management Accountancy), North-West University, Potchefstroom Campus, 2014

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PapatsornSrichuchart and 巫秀君. "The Effect of Buddhist Philosophy on Personal Financial Well-Being." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/80579968979852593990.

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碩士
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.

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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.

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碩士
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

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45

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.

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Abstracts in English, Afrikaans and Northern Sotho
Many 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)

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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.

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Gauteng, one of the nine provinces of South Africa, has a high number of households as compared to the other provinces. Geographically the province has the smallest land size, however it forms the central part of the South African economy. From the total value of credit granted in all provinces, Gauteng has the highest. The province has a high number of registered debt counsellors and an increasing number of consumers who apply for debt counselling because of over-indebtedness. The high number of the registered debt counsellors and consumers seeking debt counselling service gave rise to the purpose of the study. The purpose of the study was to assess the role of debt counselling services provided by debt counsellors to consumers on the one hand, and to also assess whether debt counselling has had a positive effect on the personal financial well-being of consumers who participated in the debt counselling process on the other hand. Furthermore, the study aimed at developing a framework that will empower consumers to be self-sufficient with their finances. From the purpose of the study, two research questions were proposed: (1) How does the debt counselling service provided by debt counsellors assist consumers to manage their finances effectively? (2) Which role does the debt counselling service provided by debt counsellors play in terms of the personal financial well-being of consumers? In an attempt to answer research questions, the theoretical framework of both personal finance and debt counselling were studied. The importance of personal finance, personal financial planning, the evolution of debt counselling, the effectiveness and the ineffectiveness of debt counselling services were identified. A two-phased sequential design (qualitative and quantitative) was used. Fifteen debt counsellors were selected (for the first phase of the study) by making use of a purposeful sampling. These debt counsellors were interviewed and further requested to identify and send questionnaires to consumers whom they have rendered debt counselling service between the years 2007 and 2013. In the second phase of the study, 300 over-indebted consumers were surveyed through a snowball non-probability sampling technique and a response rate of 61% was realised. Data was analysed using ATLAS.ti and the Statistical Package for Social Science (SPSS) for the first and the second data collected respectively. Furthermore, the exploratory factor analysis was used to analyse the data, and the factorability of the data was assessed by means of two statistical measures, namely Bartlett’s test of sphericity and Kaizer Meyer-Olkin. It was observed that most debt counsellors lack financial management knowledge and do not have mechanisms to verify their clients’ financial well-being after debt counselling service had been completed. In addition, there was no evidence that consumers who received debt counselling improved in their financial well-being and that consumers also lacked personal financial management skills. The study concluded that, although debt counselling is essential, it does not necessarily assist consumers to effectively manage their finances. The study purports to suggest the following: Debt counsellors should be subjected to formal financial management training prior to their registration, debt counsellors should provide personal financial management education to their clients, and assess the financial management conduct of their clients once debt counselling process is complete, and debt counsellors should establish debt counsellors’ forums. The South African government (in conjunction with the Department of Education and Training) should introduce and implement personal financial management education in both primary and high schools’ curricula. Personal financial management should continue to be offered at adult learning centres as well as other institutions of higher learning. Employers should appoint employee wellness officers who will provide personal finance training to employees. Credit providers should take the responsibility of educating their clients on how to manage their accounts and the importance of paying debts on time. The South African media should also be used by the government and the NCR to educate and inform consumers about finance-related matters. Finally consumers should seek guidance and advice before making financial commitments. The study concluded by suggesting a framework that should help consumers to manage and sustain their financial well-being.
Business Management
DCOM (Business Management)

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47

Mpofu, John. "Exploring well-being and life satisfaction during retirement - a qualitative study." Diss., 2019. http://hdl.handle.net/10500/25476.

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This study gives a platform to three old retired people who are constructed to be enjoying well-being and life satisfaction or going through life dissatisfaction after retirement. The epistemological framework was social constructionism. In-depth interviews with these three individuals were carried out. The premises of qualitative research were followed. The ‘case study approach’ was chosen as the most suitable method to gather information. Thematic content analysis was employed as a method of analysis of life stories of old retired people, which were reconstructed in terms of themes. Recurring themes in the life stories were then discussed and linked with the broader literature. The research allowed rich and informative information about life stories of three old retired people to emerge. Among the identified themes were financial status relating to adequate and appropriate sustenance after retirement; social networks and their effects on life satisfaction and dissatisfaction after retirement; health status; and cognitive functions in late adulthood. Everyone wishing to understand life in old age after retirement is encouraged to read this story. It is necessary to be sufficiently equipped in the event of an extended lifespan.
Psychology
M.A.(Psychology)

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48

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.

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Lin, 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.

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碩士
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.

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Shu, Jiang. "Exploring moderators between perceived stress and well-being of chinese entrepreneurs." Doctoral thesis, 2019. http://hdl.handle.net/10071/21304.

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Abstract:

At present, entrepreneurs have received unprecedented recognition and attention from both the government and the society. Although stress can increase the driving force of innovation to a certain extent, excessive stress can still lead to serious outcomes. While bringing stress, characteristics such as high independence and task diversity can also enhance entrepreneurs' well-being. How can entrepreneurs maintain a high level of well-being in a stressful situation? It is a problem worthy of attention. Although a large number of studies have examined the moderators of the relationship between perceived stress and stress outcomes in the general population, there are few studies on the moderators between entrepreneurial perceived stress and well-being. Therefore, on the basis of exploring the stressors of Chinese entrepreneurial entrepreneurs, this study focuses on one research question: What factors can moderate entrepreneurs’ perceived stress and well-being? This paper mainly uses qualitative method and Cochran-Mantel-Haenszel (CMH) to analyze the data. The study found that stress coping strategies, entrepreneurial motivation, organizational identity and social capital within the entrepreneurial team play a moderating role between perceived stress and life satisfaction. Specifically, the study found that: (1) problem-solving strategies can alleviate the negative impact of perceived stress on life satisfaction; (2) entrepreneurs with internal entrepreneurial motivation can achieve higher happiness; (3) entrepreneurs without clear organizational identity can achieve higher happiness; (4) high TMT social capital can cushion the negative impact of perceived stress on life satisfaction. The study has taken a step forward in exploring Chinese entrepreneurs' entrepreneurial stressors as well as the moderators of perceived stress and well-being, laying a theoretical foundation for further empirical examinations.
Hoje, 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.

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Dissertations / Theses on the topic 'Financial well-being'

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