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Relevant bibliographies by topics / Personal finance

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Academic literature on the topic 'Personal finance'

Author: Grafiati

Published: 4 June 2021

Last updated: 11 June 2025

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Journal articles on the topic "Personal finance"

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van Deventer, Marko. "African Generation Y students’ personal finance behavior and knowledge." Investment Management and Financial Innovations 17, no. 4 (2020): 136–44. http://dx.doi.org/10.21511/imfi.17(4).2020.13.

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Personal financial management is important, given uncertainties in both financial and economic environment. However, published research on African Generation Y students’ personal finance behavior and knowledge is limited. This study aimed to evaluate African Generation Y students’ personal finance behavior in terms of their attitudes towards financial planning and whether this cohort believes that they have the skills to manage their finances successfully. In addition, this study sought to evaluate African Generation Y students’ knowledge regarding personal finance. A convenience sample of 500 African students across the campuses of two South African public higher education institutions situated in the Gauteng province was surveyed using structured, self-administered questionnaires. The t-test results indicate that the sample deems the process of planning personal finances and managing credit, insurance, investment, and estate, as important. Moreover, the students scored low in the broad personal finance knowledge areas of basic finance, saving, spending, and debt, suggesting that this cohort is financially illiterate. The results also indicated that the students think they have the financial skillset to manage their personal finances. A high Pearson’s correlation coefficient was noted between sampled participants’ personal finance behavior and their observed personal finance management skillset regarding the relationship between the constructs. However, an insignificant relationship was found between attitudes towards personal finance and financial knowledge and between financial knowledge and African Generation Y students’ apparent finance skills. Understanding African Generation Y students’ personal finance behavior and knowledge, universities and financial institutions can more effectively identify gaps and deficiencies in students’ personal finance endeavors.

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A, Vishwas, Divyanshu Kumari, Pradeep S, et al. "Mechanics of Finance- Personal Finance advisory firm: “Finance Friend”." International Journal for Research in Applied Science and Engineering Technology 10, no. 12 (2022): 1985–86. http://dx.doi.org/10.22214/ijraset.2022.48396.

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Abstract: The purpose of this study is to understand the importance of personal finance planning to be financially sound and well equipped for the uncertainty. According to the findings of this study, the ignorance of personal finance is to the pinnacle. This isn't just to set up family spending plan yet additionally to save, contribute as well as plan for our retirement. The meaning of financial management, its significance, the steps that each person can take to plan and manage their finances, and the awareness of financial management are all discussed in this writing. In addition to educating readers on how to plan and manage each individual's finances for their benefit today and in the future, which indirectly contributes to the development of the nation, the purpose of this writing is to raise awareness of the significance of personal finance planning and management. The impact of personal finance education on financial knowledge, attitudes, and actions is the subject of much debate. Our research also reveals that discussing money with friends, income, work experience, year/field of study, and family financial socialization were all important factors in influencing financial knowledge, attitudes, and behavior. We're not saying that formal financial education isn't important; rather, we're saying that its role in changing people's attitudes and behaviors should be carefully considered if that's its goal. The objective was to describe the financial knowledge, attitudes, and experiences of residents to inform the design of a personal finance curriculum.

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Rodina, Larisa A., and Lilia V. Zavyalova. "Personal finance management in modern conditions." Herald of Omsk University. Series: Economics 18, no. 4 (2020): 36–47. http://dx.doi.org/10.24147/1812-3988.2020.18(4).36-47.

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The article is devoted to the practical aspects of personal finance management in the context of the transition to digital transformation of the economy. The need to pay attention to this aspect is due to both new opportunities for managing personal finances based on digitalization tools, and the risks of unauthorized access to them using cybernetic means. Summarizing the main sources of threats to personal finance in the context of digitalization is aimed at preventing fraudulent activities and ensuring the protection of financial information carriers. First of all, in a preventive manner, it is proposed to consider the basic problems of personal finance management from the position of accounting and planning of financial resources. The research results are aimed at increasing the financial literacy of the population, preventing encroachments and crimes in the field of personal finance, and, ultimately, at the maximum satisfaction of personal needs. Particular attention is paid to the rules of "personal financial hygiene", which imply organizational and technical measures to protect bank cards, mobile bank, deposits, cash, etc. You should also pay attention to the need to protect personal financial interests from the point of view of checking "financial contacts". An important role in the management of personal finances is played by knowledge of the norms of tax legislation in terms of deductions and benefits for taxes paid by individuals. In this regard, it is necessary to understand not only the legal aspects, but also the capabilities of the information system of relations between taxpayers and the state. It is also proposed to assess the risks of investments for individuals in the context of justifying the individual choice of an option when planning personal finances. All of these aspects are regarded as due diligence rules.

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Andrews, Brett K. "Teaching Personal Finance." Journal of Ministry Marketing & Management 6, no. 1 (2000): 11–18. http://dx.doi.org/10.1300/j093v06n01_02.

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Presnyakova, Darya V., Vladimir N. Galitskikh, and Andrey A. Presnyakov. "PERSONAL FINANCE MANAGEMENT USING INSURANCE AND INVESTMENT." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 2/5, no. 143 (2024): 112–17. http://dx.doi.org/10.36871/ek.up.p.r.2024.02.05.013.

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The current life situation forces a person, family, entrepreneur to pay attention to their own income and expenses, so the task arises to effectively manage personal finances. This category is quite important and occupies a special place in the life of a person and his family, since determining the optimal ways to manage personal finances allows you to increase well-being. The tasks of the subjects of personal finance management are considered to reduce current cash expenditures, increase income through economic activities and conduct typical financial calculations to determine the budget. The goal of ensuring the balance of personal finances can be achieved through life insurance, property, liability business, etc.

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DUBEY, PRIYANSHU. "Fintrack (Personal Finance Tracker)." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem34937.

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Fintrack is a comprehensive personal finance tracker designed to empower people to take control of their financial well-being. This summary provides an overview of Fintrack's main functions, features and potential impact on personal financial management. Fintrack provides its users with a centralized platform to track and manage their finances easily and efficiently. The platform allows users to add their financial accounts, including bank accounts, credit cards, loans and investments, providing a holistic view of their financial situation. With Fintrack, users can easily categorize transactions, set budgets and track their spending habits in real time. The platform's intuitive user interface and user-friendly design streamline the budgeting process, helping users identify savings goals and optimize their financial habits. Fintrack allows users to set and track financial goals, whether it's saving for a major purchase, paying off debt or planning for retirement. The platform provides users with personalized insights and recommendations based on their financial behavior to guide them to make smarter financial decisions. Security and privacy are paramount as Fintrack uses advanced encryption protocols and strict privacy measures to protect users' sensitive financial information. Overall, Fintrack is a valuable tool for people who want to achieve financial wellness and create a brighter financial future. With its comprehensive features and user-centric approach, Fintrack aims to revolutionize personal financial management and enable users to achieve their financial goals with confidence and clarity. Keywords: Personal Finance Management, Financial Tracking, Investment Tracking.

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Tika Handayani, Rifky Lana Rahardian, Eva Yuniarti Utami, Apriani Riyanti, and Ahmad Rizani. "Fintech Analysis of Personal Finance App Usage among Millennials." Journal of Economic Education and Entrepreneurship Studies 5, no. 2 (2024): 150–62. http://dx.doi.org/10.62794/je3s.v5i2.2299.

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This study aims to analyse the influence of Fintech on the use of personal finance applications in the millennial generation. The research method used in this study is the survey method. The survey was conducted using a questionnaire distributed to millennial respondents who use personal finance applications. The data collected through the survey will be analysed quantitatively to identify usage trends, feature preferences, and the impact of personal finance apps on individual financial behaviour. The results show that millennials have a high adoption rate of personal finance apps. They tend to use these apps to track expenses, organise budgets, and conduct financial transactions. In-app personalisation features are highly valued by millennials, as it allows them to tailor the experience according to individual needs and preferences. However, data security and privacy remain key concerns in the use of personal finance apps. Personal finance apps have great potential in helping millennials manage their finances more effectively. However, serious attention should be paid to data security and user privacy. Therefore, it is recommended that personal finance app providers continue to improve their security systems and privacy practices. In addition, it is also necessary to educate users on the importance of protecting their personal information when using personal finance apps.

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Marshall, Paul S., and Larry R. Lang. "Strategy for Personal Finance." Journal of Risk and Insurance 57, no. 2 (1990): 361. http://dx.doi.org/10.2307/253317.

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Jakupi, Shefket Zeqir, and Besart Hajrizi. "Personal Finances’ Planning and Management as means for a Successful Family Life." International Journal of Management Excellence 10, no. 1 (2017): 1235–40. http://dx.doi.org/10.17722/ijme.v10i1.951.

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Abstract Studying personal finances helps avoiding financial difficulties and the use of financial opportunities to provide a chance for a successful family life. Personal finance is based on studying the financial resources of the family, which are considered important in the pursuit of financial success, that is, how people spend, save, protect and invest their money in everyday life. Personal finance is linked to these key concepts: financial responsibility, financial success and financial satisfaction, addressed in four key issues namely: Saving, Borrowing, Insurance and Investing. The relevance of this article is even on identifying the main advantages derived by personal digital finances, where the applicability of the cryptocurrency is increasing day by day.

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Li, Geng. "Gamblers as Personal Finance Activists." Finance and Economics Discussion Series 2012, no. 18 (2012): 1–53. http://dx.doi.org/10.17016/feds.2012.18.

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Dissertations / Theses on the topic "Personal finance"

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Palicová, Helena. "Osobní a rodinné finance - finance vysokoškolského studenta." Master's thesis, Vysoká škola ekonomická v Praze, 2014. http://www.nusl.cz/ntk/nusl-193972.

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In this thesis, Personal and family finances, subtitled Finances of university student. It is discussed on the way to a happier life through management of personal finances. Just as it is necessary to control corporate finance, it is necessary everyone managed own personal finances. It is indicated as appropriate to tackle your finances,what to focus on, and it's practically demonstrated on the example of a university student. There are analyzed his goals and needs, then it is outlined possible solutions to his finances.

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Shapoval, V. Y. "Personal finance: how to pay for yourself." Thesis, Sumy State University, 2018. http://essuir.sumdu.edu.ua/handle/123456789/67025.

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Everyone gets a job one day. And if it is the first-ever job, the one might spend all of money in a day, because he or she doesn’t know how to deal with them. Whole salary can go for buying some unnecessary staff or just for entertaining. Unfortunately, we don’t learn at school how to behave with cash. But there is a way out of it. It is about Personal Finance that will help you to pay for yourself wisely.

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Peng, Tzu-Chin Martina. "Evaluating mandated personal finance education in high schools." Columbus, Ohio : Ohio State University, 2008. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1199290276.

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Franklin, Deanna. "Teacher involvement in implementing state personal finance mandates." Thesis, Indiana State University, 2015. http://pqdtopen.proquest.com/#viewpdf?dispub=3717347.

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<p> This study examined strategies teachers are implementing for personal finance instruction in answer to the state financial-literacy mandates in Central Texas. One-on-one interviews, focus groups, and document analysis found that teachers are relying on personal experience, community resources, and Internet resources to instruct in personal finance in absence of personal finance curricula. No data emerged that school districts were providing resources; however, administrators are willing to provide resources if they were available. Teachers are using a variety of creative methods to enhance personal financial literacy in the classroom. Sporadic in-service/professional-development opportunities were available to train teachers in personal financial-literacy instruction; however, many teachers opted not to participate in those events, selecting to depend on their own personal experiences as background. Data from this study also found that there was no evidence of teachers being involved in the curriculum-change process for personal financial-literacy education. </p>

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Redhead, K. J. "Development of personal finance as an academic discipline." Thesis, Coventry University, 2011. http://curve.coventry.ac.uk/open/items/b959f53e-da33-4c25-b119-7afb544e69a0/1.

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Personal finance is developing as an academic discipline, but has some way to go before it is generally accepted as such. The thesis reviews five contributions, from other authors, to the development of personal finance as an academic discipline (dating between 2002 and 2008). Those contributions emphasise the need for a generally agreed body of theory for an academic discipline of personal finance. My publications, in particular Personal Finance and Investments: A Behavioural Finance Perspective, have sought to establish a body of theory and knowledge for an academic discipline of personal finance. That body of theory and knowledge is multidisciplinary, and much broader than the bodies of theory suggested by the five previous contributions. It is also much broader, and based more on academic research, than the curricula of professional bodies such as the Chartered Insurance Institute (which reflects the curriculum set out by the Financial Services Authority) for the training of financial advisers. The greater breadth is illustrated by means of comparisons of threshold concepts covered by my publications with those covered by the previous five contributions, and by professional training programmes. Consideration of the objectives and processes of personal financial advice suggests that an academic curriculum should be more multidisciplinary than the existing curricula of professional bodies. In particular the curriculum should include behavioural and relationship dimensions. It is suggested that attention to the psychology of clients should be included in the education and training of financial advisers. This could take the form of using behavioural finance to gain insights into how clients might perceive financial products and services. Some of my publications being considered here (those published in the Journal of Financial Planning and the Journal of Financial Service Professionals) provide behavioural finance perspectives on client perceptions of financial products and financial advice (and their providers). Incorporation of behavioural dimensions 6 into the education and training of financial advisers would help to develop a subjectivist1 dimension to their analyses of client financial problems. Existing professional training programmes focus on objectivist2 factors such as portfolio management and regulatory issues. There is a need to incorporate a subjectivist, client focused, dimension. Behavioural perspectives on financial products, financial advice, and the providers of financial services are not my only contribution through the medium of refereed academic journals. Another aspect of the proposed curriculum has been addressed through that medium, namely time diversification. Time diversification, that leads to the relative risk of stocks declining as the investment horizon extends, was shown to be dependent on the rate of investment growth and the level of stock return volatility. The approach entailed computer simulation based on the Black-Scholes option pricing model. Implications for personal financial advice, and for behavioural perspectives, were drawn.

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Muqtadir, Abdul. "Real-time finance management system." CSUSB ScholarWorks, 2006. https://scholarworks.lib.csusb.edu/etd-project/2992.

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Discusses the development of a real-time finance management system (RFMS) computer application. RFMS lets users learn about and manage their personal finances and stock portfolio. Finances can be managed using management tools and calculators. The program uses a Java/XML based approach where real-time market data from different stock exchanges is fetched and displayed for the user. Stock performance can then be graphed.

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Khatami, Seyed Hossein. "Three essays on empirical corporate finance." Thesis, University of Manchester, 2016. https://www.research.manchester.ac.uk/portal/en/theses/three-essays-on-empirical-corporate-finance(0dcfd1eb-a875-4730-ba1a-369e52d290b5).html.

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This thesis investigates three topics in empirical corporate finance. In the first essay, the focus is on the role of financial constraints in the market for corporate control. In the second and third essays, we explore the effect of personal connections at board and executive levels on corporate credit rating and initial public offering (IPO) underpricing respectively. In the first essay, using a large sample of US acquisitions made between 1985 and 2013, we study the effect of financial constraints on acquisition gains and acquisition likelihood. Our findings show that financial constraints of target companies significantly increase acquisition premiums and abnormal returns for both parties. Our results further show that the presence of financial constraints in the target is one of the most important determinants of a takeover bid. This supports the idea that acquisitions may improve the ability of financially constrained companies to access capital through a better reallocation of resources within segments of the same company (e.g., internal capital market) or through better access to external markets. This would eventually benefit bidders too, as new capital would be invested in valuable growth opportunities that otherwise would expire unexercised. In the second essay, using a large sample of US public debt issues we show that personal connections between directors of issuing companies and rating agencies result in higher credit ratings. We estimate the average effect to be about one notch. The results are robust to several alternative tests including additional controls for managerial traits, placebo tests and propensity score matching. Moreover, our tests on default rates and bond yields do not appear to reflect a favourable treatment by the rating agency. Rather, they suggest that personal connections act as a mechanism to reduce asymmetric information between the rating agency and the issuer. In the final essay, using a large sample of IPOs in the U.S. we show that interpersonal connections between directors and top executives in issuers and underwriting banks result in significantly lower levels of IPO underpricing. We also examine the issuers' long-term stock returns following their IPOs. Our results indicate that the connected companies' long-term returns are not significantly different from the non-connected companies. This suggests that underwriters set lower levels of underpricing for the connected companies not to treat them favourably, but due to better flow of and stronger reliance on soft information and lower risk exposure.

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Neuburg, Lisa. "Personal financial literacy of students in the Colfax School District." Menomonie, WI : University of Wisconsin--Stout, 2007. http://www.uwstout.edu/lib/thesis/2007/2007neuburgl.pdf.

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Moss, John Gordon Robert. "Personal financial planning advice : barriers to access." Thesis, University of Birmingham, 2015. http://etheses.bham.ac.uk//id/eprint/6016/.

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With the move towards a society where responsibility has been placed upon the individual to make financial provision for future events, comes the need for individuals to be able to interact with the financial services sector and make informed decisions regarding their financial choices. This research focuses on the barriers that influence why and how consumers access advice from Regulated Financial Advisers. Three key variables are highlighted by this research that each affect the consumer’s ability to access regulated financial advice; Firstly, knowledge, where sub-themes relating to need, knowledge of services and ‘finding an adviser’ were identified. These highlighted the concept of advice not generally being the ‘subjective norm’. Secondly, trust, where the concepts of ‘general trust’ and ‘individual trust’ emerged along with the issues surrounding consumers’ abilities to apply ‘critical trust’. Thirdly, affordability and cost, which includes the consumer’s appreciation of the value of advice. Finally, this research asks whether consumers are overwhelmed by the extent of the provision they need to make to shape their financial future. It therefore begs the question as to whether the degree to which the welfare state has already been rolled back has resulted in financial planning issues beyond the capabilities of most consumers.

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DeGrazier, Anthony Michael. "A study of the meaning of I Timothy 5:8A." Theological Research Exchange Network (TREN), 1985. http://www.tren.com.

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Books on the topic "Personal finance"

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Rosefsky, Robert S. Personal finance. 7th ed. John Wiley, 1999.

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Madura, Jeff. Personal finance. 4th ed. Pearson, 2011.

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Rosefsky, Robert S. Personal finance. 3rd ed. Wiley, 1985.

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Rosefsky, Robert S. Personal finance. 6th ed. Wiley, 1996.

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Bertisch, Abraham M. Personal finance. Dryden Press, 1994.

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Keown, Arthur J. Personal finance. 4th ed. Pearson Prentice Hall, 2006.

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Garman, E. Thomas. Personal finance. 8th ed. Houghton Mifflin Co., 2006.

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Kapoor, Jack R. Personal finance. 4th ed. Irwin, 1996.

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E, Forgue Raymond, ed. Personal finance. 5th ed. Houghton Mifflin Co., 1997.

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W, Eckert Sidney, and Forgue Raymond E, eds. Personal finance. Houghton Mifflin Co., 1985.

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Book chapters on the topic "Personal finance"

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Price, Terry. "Personal finance." In Mastering Background to Business. Macmillan Education UK, 1989. http://dx.doi.org/10.1007/978-1-349-19833-7_10.

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Teymoorian, Savak. "Complementing Personal Finance." In Essential Business Fundamentals for the Successful Eye Care Practice. CRC Press, 2024. http://dx.doi.org/10.1201/9781003524007-10.

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Giles, R. S. "Personal Income." In Finance and Accounting. Macmillan Education UK, 1994. http://dx.doi.org/10.1007/978-1-349-13486-1_24.

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Lowe, Jonquil, Jason Butler, and Lien Luu. "Introduction." In Essential Personal Finance. Routledge, 2018. http://dx.doi.org/10.4324/9781351041669-1.

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Lowe, Jonquil. "Conclusion." In Essential Personal Finance. Routledge, 2018. http://dx.doi.org/10.4324/9781351041669-10.

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Butler, Jason. "Jobs, money and happiness." In Essential Personal Finance. Routledge, 2018. http://dx.doi.org/10.4324/9781351041669-2.

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Butler, Jason. "Work and financial planning." In Essential Personal Finance. Routledge, 2018. http://dx.doi.org/10.4324/9781351041669-3.

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Luu, Lien. "Building resilience and wealth through saving." In Essential Personal Finance. Routledge, 2018. http://dx.doi.org/10.4324/9781351041669-4.

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Luu, Lien. "Protecting against dying too young." In Essential Personal Finance. Routledge, 2018. http://dx.doi.org/10.4324/9781351041669-5.

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Luu, Lien. "Protecting your income." In Essential Personal Finance. Routledge, 2018. http://dx.doi.org/10.4324/9781351041669-6.

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Conference papers on the topic "Personal finance"

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Pangavhane, Parth, Shivam Kolse, Parimal Avhad, Tushar Gadekar, N. K. Darwante, and S. V. Chaudhari. "Transforming Finance Through Automation Using AI-Driven Personal Finance Advisors." In 2023 4th International Conference on Computation, Automation and Knowledge Management (ICCAKM). IEEE, 2023. http://dx.doi.org/10.1109/iccakm58659.2023.10449538.

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Han, Junwei, and Yuzhong Sun. "Empirical Research of the Impact of Internet Finance on Personal Finance." In 2016 International Conference on Computer Engineering, Information Science & Application Technology (ICCIA 2016). Atlantis Press, 2016. http://dx.doi.org/10.2991/iccia-16.2016.39.

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Suryadi, I. Gede Iwan, and Ketut Vini Elfarosa. "Personal Finance Management Model for Polytechnic Students." In Proceedings of the International Conference On Applied Science and Technology 2019 - Social Sciences Track (iCASTSS 2019). Atlantis Press, 2019. http://dx.doi.org/10.2991/icastss-19.2019.10.

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Yalmaev, R. A., L. V. Grigoryeva, and E. A. Shkarupa. "Financial engineering in personal finance management system." In I INTERNATIONAL CONFERENCE ASE-I - 2021: APPLIED SCIENCE AND ENGINEERING: ASE-I - 2021. AIP Publishing, 2021. http://dx.doi.org/10.1063/5.0075841.

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Dove, Graham, Ayanna Seals, and Oded Nov. "Socially-Informed Sorting for Guiding Personal Finance Choices." In CHI '20: CHI Conference on Human Factors in Computing Systems. ACM, 2020. http://dx.doi.org/10.1145/3334480.3382898.

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Spohr, Rodrigo Sarmanho, and Juliana Wispel. "Why rheumatology residents need to learn personal finance?" In XXXIX Congresso Brasileiro de Reumatologia. Sociedade Brasileiro de Reumatologia, 2022. http://dx.doi.org/10.47660/cbr.2022.1871.

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Карп, Марина Викторовна, Елена Леонидовна Гулькова, and Мария Валерьевна Типалина. "ECONOMIC SECURITY OF PERSONAL FINANCE WHEN TRANSFERRING FUNDS." In Формирование финансово-экономических механизмов инновационного развития: сборник статей всероссийской (национальной) научной конференции (Великий Новгород, Декабрь 2023). Crossref, 2024. http://dx.doi.org/10.37539/231201.2023.37.88.002.

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Проанализированы статистические данные Министерства внутренних дел Российской Федерации и Банка России о мошеннических действиях при переводе денежных средств. Рассмотрено действующее законодательство по данному вопросу, а также законопроекты, направленные на сокращение мошеннических действий в сфере кредитования физических лиц, предложены мероприятия по дальнейшему совершенствованию законодательства. The statistics of the Ministry of Internal Affairs of the Russian Federation and the Bank of Russia on fraudulent actions in the transfer of funds were analyzed. The current legislation on this issue was considered, as well as bills aimed at reducing fraudulent actions in the field of lending to individuals, measures were proposed to further improve the legislation.

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Pena, Belen. "Curb your enthusiasm: The dissonances of digitising personal finance." In DRS2022: Bilbao. Design Research Society, 2022. http://dx.doi.org/10.21606/drs.2022.302.

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Мамалимов, Павел, and Марина Бердникова. "Development of a mobile application for personal finance management." In International scientific conference "Ufa autumn mathematical school - 2021". Baskir State University, 2021. http://dx.doi.org/10.33184/mnkuomsh2t-2021-10-06.90.

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Polimeni, John, and Raluca Iorgulescu. "THE PERSONAL HEALTH-POVERTY CONNECTION: A CASE STUDY OF SCHENECTADY, NY." In 13th Economics & Finance Virtual Conference, Prague. International Institute of Social and Economic Sciences, 2020. http://dx.doi.org/10.20472/efc.2020.013.010.

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Reports on the topic "Personal finance"

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Vasquez, Gustavo M. Assessing the Impact of the De-risking on Remittances and Trade Finance in Belize. Inter-American Development Bank, 2017. http://dx.doi.org/10.18235/0007034.

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Since 2015, Belize has experienced de-risking, the withdrawal of correspondent banking relationships. The impact on the banking sector and other financial institutions has been adverse, with repercussions also for the personal and commercial activities of clients. This study contributes to the policy discussion and ongoing efforts to address this challenge. While fully quantifying the cost of de-risking has not been possible, this study nevertheless describes the various effects of the withdrawal of correspondent banking relationships, and identifies the increase in transactional costs as the most significant impact to date. Key observations include the narrowing of wire transfers, the increase in direct costs to send and receive funds electronically, and the continued vulnerability of newly established correspondent banking relations, in certain cases.

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Correia, Diogo, and Ricardo Barradas. Financialisation and the slowdown of labour productivity in Portugal: A post-Keynesian approach. DINÂMIA'CET-Iscte, 2021. http://dx.doi.org/10.15847/dinamiacet-iul.wp.2021.07.

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The aim of this paper is to conduct a time series econometric analysis in order to empirically evaluate the role of financialisation in the slowdown of labour productivity in Portugal during the period from 1980 to 2017. During that time, the Portuguese economy faced a financialisation phenomenon due to the European integration process and the corresponding imposition of a strong wave of privatisation, liberalisation and deregulation of the Portuguese financial system. At the same time, Portuguese labour productivity exhibited a sustained downward trend, which seems to contradict the well-entrenched mainstream hypothesis on the finance–productivity nexus. Based on the post-Keynesian literature, we identify four channels through which the phenomenon of financialisation has impaired labour productivity, namely weak economic performance, the fall in labour’s share of income, the rise of inequality in personal income and an intensification of the degree of financialisation. The paper finds that lagged labour productivity, economic performance and labour income share positively impact labour productivity in Portugal, while personal income inequality and the degree of financialisation negatively impact labour productivity in Portugal. The paper also finds that the main triggers for the slowdown of labour productivity in Portugal are the degree of financialisation and personal income inequality over the last decades.

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Auguste, Sebastián, Jordi Prat, and Gisele Braun. Brecha de género en el acceso al financiamiento en Centroamérica y República Dominicana. Inter-American Development Bank, 2021. http://dx.doi.org/10.18235/0003151.

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La evidencia empírica internacional muestra que las mujeres tienen menos acceso al financiamiento, tanto al crédito personal como al crédito empresario (según el género de quién lidera la empresa). Esta brecha de género, que se debe a factores de oferta y de demanda, preocupa, tanto desde el punto de vista de equidad o igualdad de oportunidades, como de la eficiencia, ya que en una economía de mercado el acceso al financiamiento es clave para la asignación eficiente de los recursos, y cualquier imperfección en su funcionamiento se puede traducir en menos crecimiento económico. En este trabajo se analiza la brecha de género con tres bases de datos distintas, Global Findex, una encuesta a nivel de individuos, SME Finance Forum, datos agregados estimados, y Enterprise Survey, una encuesta a nivel empresarial que informa el género del gerente general. Se destaca que, en ningún caso, ni a nivel personal ni a nivel empresarial, ha sido posible eliminar las brechas incluyendo factores observables. Por lo tanto, las mujeres en la región están más desaventajadas y esto es un motivo de preocupación, ya que incide en la productividad de la economía, la fertilidad y la tasa de acumulación del capital humano, tres dimensiones donde los países estudiados muestran déficit.

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Frisancho, Verónica. Spillover Effects of Financial Education: The Impact of School-Based Programs on Parents. Inter-American Development Bank, 2023. http://dx.doi.org/10.18235/0004736.

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This paper studies whether school-based financial education has spillover effects from children to parents. Leveraging data from a large-scale experiment with public high schools in Peru and credit bureau records on the parents of the youth targeted, this study measures the impact of providing personal finance lessons during secondary school on parental financial behavior. Financial education lessons in the school yield limited average spillover effects, but lead to sizable effects on parental financial behavior within disadvantaged households. Among parents from poorer households, the treatment reduces default probability by 26%, increases credit scores by 5%, and increases current debt levels by 40%. The treatment has stronger effects among the parents of daughters, who experience a significant 6.7% increase in their credit score and a 28% reduction in their loan portfolio in arrears. Among the parents of boys, most of the spillover effects are muted.

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Kraynova, O. S., and E. V. Lichina. Personal finance's modern planning tools. Ljournal, 2016. http://dx.doi.org/10.18411/kray-2016-artc-00060.

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Olafsson, Arna, and Michaela Pagel. The Retirement-Consumption Puzzle: New Evidence from Personal Finances. National Bureau of Economic Research, 2018. http://dx.doi.org/10.3386/w24405.

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Schiantarelli, Fabio, and Arturo Galindo. Credit Constraints in Latin America: An Overview of the Micro Evidence. Inter-American Development Bank, 2002. http://dx.doi.org/10.18235/0010803.

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This paper summarizes and discusses new evidence on the nature, extent, evolution and consequences of financing constraints in Latin America; this evidence is drawn from a recent series of papers. The countries covered are Argentina, Colombia, Costa Rica, Ecuador, Mexico, and Uruguay. All the new contributions share the characteristics of being based on micro data. Most of the data sources are firms balance sheets. For Argentina information on debt contracts and credit history is also available, while for Costa Rica personal information on entrepreneurs was also collected. Some of the papers investigate the determinants of firms financing choices, and the consequences of access or debt composition on performance. Other papers attempt to assess the severity of financing constraints, by focusing on firms investment choices. All the papers (but one) were part of the project Determinants and Consequences of Financial Constraints Facing Firms in Latin America and the Caribbean, financed by the IADB. However, other recent micro-econometric contributions are discussed as well. The results suggest that access to credit (and its cost) depends not only upon favorable balance sheet characteristics, but also upon the closeness of the relationship between firms and banks as well as credit history. Access to long-term loans and to loans denominated in foreign currency is positively related to the size and tangibility of firms assets and negatively related to measures of country risk. Moreover, firms that have foreign participation appear to be less financially constrained in their investment decisions. The same is true for firms that are associated with business groups. On the whole, it appears that financial liberalization tends to relax financial constraints for firms that were previously constrained, while financial crises tighten them. However, firms that have more access to external sources of finance via, for instance, exports or ownership links, appear to suffer less in the post-crisis period. The paper concludes with a discussion of the policy implications of these results.

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Azoa Balengla, Tania M., Joseph Keneck Massil, Alphonse Noah, and Bernard C. Nomo Belaya. Tax Revenue in Emerging Markets and Developing Countries: Does Digital Finance Matter? Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.042.

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This paper investigates whether adopting mobile money services influences non resource tax revenues in emerging markets and developing countries. Using a sample of 97 countries over the period 1990–2021, our empirical analyses, based on instrumental variables, system-GMM, and endogenous switching regression methods, suggest that digital finance leads to more tax revenue. We also find that bill payments, merchant payments, person-to-person payments, and person-to government payments have a greater impact on tax revenues than other mobile money services. The potential positive impact mechanisms are the decline of the informal sector, the reduction of corruption, and the facilitation of international remittance inflows.

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Lunsgaarde, Erik, Kevin Adams, Kendra Dupuy, et al. The politics of climate finance coordination. Stockholm Environment Institute, 2021. http://dx.doi.org/10.51414/sei2021.022.

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As COP26 approaches, governments are facing calls to increase the ambition of their climate commitments under the Paris Agreement. The mobilization of climate finance will be key to meeting these goals, prompting the need for renewed attention on how to enhance the coordination of existing funds and thus increase their effectiveness, efficiency and equity. The climate finance landscape is fragmented due to the variety of actors involved at different levels. Coordination difficulties emerge in multiple arenas and reflect the diversity of funding sources, implementation channels, and sectors relevant for climate action (Lundsgaarde, Dupuy and Persson, 2018). The Organisation for Economic Cooperation and Development has identified over 90 climate-specific funds. Most of them are multilateral. While bilateral climate finance remains significant, growth in multilateral funding has been the main driver of recent funding increases and remains a focus of international negotiations. Practitioners often highlight organizational resource constraints – such as staffing levels, the continuity of personnel, or the availability of adequate information management systems – as factors limiting coordination. In this brief, we argue that improving climate finance coordination requires considering coordination challenges in a political context where both fund secretariats and external stakeholders play an important role in shaping collaboration prospects. To illustrate this point, we highlight the political nature of global-level coordination challenges between the multilateral Climate Investment Funds (CIF) and Green Climate Fund (GCF), as well as national-level challenges in Kenya and Zambia. Key challenges influencing coordination relate to the governance of climate funds, domestic bureaucratic politics in recipient countries, and the existence of multiple coordination frameworks at the country level.

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Azoa Balengla, Tania M., Joseph Keneck Massil, Alphonse Noah, and Bernard C. Nomo Belaya. Tax Revenue in Emerging Markets and Developing Countries: Does Digital Finance Matter? Institute of Development Studies, 2024. http://dx.doi.org/10.19088/ictd.2024.043.

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The context of multiple crises in recent times, including the COVID-19 pandemic, the war in Ukraine, and the rising number of severe climate-related events, has once again emphasised the pressing need for emerging markets and developing countries (EMDCs) to expand their fiscal capacities. Identifying new tax revenue drivers is now a key concern for many governments and researchers worldwide. Digital financial services like mobile money services have emerged as a transformative force shaping the financial inclusion landscape in the developing world, allowing people and firms previously excluded from the traditional banking sector to access basic financial services. From its initial focus on domestic person-to person transfers, the mobile money services industry has diversified its product range considerably. The industry now offers a range of mobile solutions for bill payments, merchant payments, person-to-government transfers or international remittances, thereby facilitating the completion of daily transactions for individuals and businesses. Given this context, this paper aims to explore the potential impact of the rapid expansion of mobile money services on non-resource tax revenues in EMDCs. Summary of ICTD Working Paper 194.

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