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Dissertations / Theses on the topic 'Personal finance'

Author: Grafiati

Published: 4 June 2021

Last updated: 25 July 2025

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1

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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3

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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4

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

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5

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 fi

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6

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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7

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

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8

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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9

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, kn

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10

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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11

Caine, Boni. "Too risky not to know the personal financial education of our high school students /." Online version, 2004. http://www.uwstout.edu/lib/thesis/2004/2004caineb.pdf.

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12

Wills, Lester Anthony. "Personal financial preparation for retirement." Thesis, Electronic version, 2006. http://hdl.handle.net/1959.14/352.

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Thesis (PhD)--Macquarie University (Macquarie Graduate School of Management), 2006.<br>Bibliography: p. 242-259.<br>The research objective of this study is to investigate the relationship between an individual's involvement and their behaviour to prepare financially for retirement. More particularly, to determine if there is a significant positive relationship between involvement and their financial preparation for retirement, to establish whether the influence of involvement is moderated by an individual's age, income or gender, their level of education or the number of dependents they suppor

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13

Lucht, Tracy L. "Sylvia Porter gender, ambition, and personal finance journalism, 1935-1975 /." College Park, Md.: University of Maryland, 2007. http://hdl.handle.net/1903/7617.

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Thesis (Ph. D.) -- University of Maryland, College Park, 2007.<br>Thesis research directed by: Phillip Merrill College of Journalism. 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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14

Hagemeier, Nicholas E. "Cents Making: Improving Student Pharmacists’ Personal Finance Skills and Behaviors." Digital Commons @ East Tennessee State University, 2015. https://dc.etsu.edu/etsu-works/1425.

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II. Electing to Change the Profession: Educating to Influence Change Interested in influencing change? Instructors are often creative in the selection of topics, educational methodologies and technology about how to influence change. This session will focus on creative approaches or subjects that educate about how to influence change in schools and in practice. Facilitators at each roundtable will describe how they try to influence change and the lessons learned from their experiences. Learning Objectives: 1. Discuss how to use students to change practitioners and practice.2. Develop ideas for

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15

Joka, Monalisa Phumla Portia. "An investigation into the financial management competencies of teachers in Port Elizabeth." Thesis, Nelson Mandela Metropolitan University, 2006. http://hdl.handle.net/10948/526.

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The media and the Government have voiced their feelings against micro-lenders, which they refer to as “abomashonisa”. The cry has been that they enslave the poor making their lives unbearable. The fact of the matter is that it is not only the poor who find themselves slaves to the micro-lenders. The educated with better paying jobs than the poor, including teachers are also micro-lending clients. This prompted the researcher to investigate the financial management competencies of teachers. Although teachers are better paid than the poor, the manner in which they conduct their financial affairs

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16

Bruce, Ben A. "Increasing financial stewardship in the Church of Christ /." Lynchburg, Va. : Liberty University, 2007. http://digitalcommons.liberty.edu.

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17

Jin, Fangyi. "Essays in life-cycle finance : understanding personal investment and consumption choices /." Konstanz, 2008. http://opac.nebis.ch/cgi-bin/showAbstract.pl?sys=000256257.

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18

Hagemeier, Nicholas E., Tandy Branham, and Nasar Ansari. "Personal Finance Beliefs and Behaviors: A Longitudinal Analysis of Pharmacy Graduates." Digital Commons @ East Tennessee State University, 2016. https://dc.etsu.edu/etsu-works/1443.

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Objectives: 1) Describe personal finance (PF) perceptions of the East Tennessee State University (ETSU) Gatton College of Pharmacy Class of 2014 upon and 1-year post-graduation; 2) Examine the association between PF elective course completion during pharmacy school and post-graduation PF behaviors. Method: Students enrolled in the ETSU Class of 2014 completed a self-administered questionnaire that assessed student characteristics (e.g, participation in a PF elective during school), PF characteristics (e.g., student loan indebtedness), perceptions (e.g., confidence in ability to manage PF), and

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19

Georgarakos, Dimitris Z. "An empirical study of UK households' portfolio decisions." Thesis, University of Essex, 2003. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.252269.

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20

Sievert, Kristin E. "Control and management tasks within family financial management systems." Online version, 1998. http://www.uwstout.edu/lib/thesis/1998/1998sievertk.pdf.

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21

Bidewell, John William. "Decision making in personal investment." Thesis, The University of Sydney, 2003. http://hdl.handle.net/2123/517.

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Personal investors must postpone gratification and manage risk. This thesis examines the effects of delay and risk on personal investment decisions. The delay discounting literature is employed in developing a new parameter �ki� which integrates an investment�s term and interest rate with the hyperbolic delay discounting model. By indicating the extent to which compound interest growth compensates for hyperbolic delay discounting, ki should strongly predict the subjective appeal of prospective investment returns. Six binary-choice experiments test this hypothesis, especially via a subsidiary h

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22

Bidewell, John William. "Decision making in personal investment." University of Sydney. Psychology, 2003. http://hdl.handle.net/2123/517.

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Personal investors must postpone gratification and manage risk. This thesis examines the effects of delay and risk on personal investment decisions. The delay discounting literature is employed in developing a new parameter �ki� which integrates an investment�s term and interest rate with the hyperbolic delay discounting model. By indicating the extent to which compound interest growth compensates for hyperbolic delay discounting, ki should strongly predict the subjective appeal of prospective investment returns. Six binary-choice experiments test this hypothesis, especially via a subsidiary h

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23

Yang, Yue. "Facilitating Game-Based Design in Personal Finance : The Design Process and Framework of Gamification Design in Personal Saving." Thesis, KTH, Skolan för elektroteknik och datavetenskap (EECS), 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-272128.

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Personal financial health determines the majority of daily decisions, but managing it could be uninspiring, stressful and at times hard to insist, which is especially challenging for those without professional financial knowledge and chrematistic habits. Gamification is introduced as the approach to simplify the financial terminology and employs game design elements to impel the users to engage more efforts into managing personal finance. This study aims at applying a participatory design approach to gamify a financial saving service, employed with design activities including an online survey,

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24

Acker, Enrico. "The personal financial management attitudes and practices of South African rugby players." Thesis, Nelson Mandela Metropolitan University, 2016. http://hdl.handle.net/10948/11363.

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When rugby became professional in 1995, both the game and the social and financial position of the players changed (Basson, 2003). Players started to train full-time and earned annual salaries (Goldman& Johns, 2009). Due to the transition from amateur to professional status, rugby players needed to make adequate personal financial management decisions. The purpose of this study is to investigate the personal financial management attitudes and practices of South African rugby players. Previous research about personal financial management largely focussed on the general public, and did not focus

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25

Liley, Noel Suzanne. "Assessing the financial management habits of first-year students and seniors at Ball State University." Virtual Press, 2001. http://liblink.bsu.edu/uhtbin/catkey/1204199.

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The purpose of this project was to compare the financial management habits of Ball State University first-year students and seniors living on campus.A stratified, systematic sample of 100 first-year students and 100 seniors were surveyed during December 2000. Data were collected on 25 variables, 4 describing personal characteristics, and 21 describing personal financial management habits.It was determined that Ball State University first-year students and seniors have similar financial management habits. Statistically significant differences between first-year students and seniors existed on t

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26

Prompalit, Rux. "Student personal finance and government student loans : a case study of Thailand /." view abstract or download file of text, 2003. http://wwwlib.umi.com/cr/uoregon/fullcit?p3095272.

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Thesis (Ph. D.)--University of Oregon, 2003.<br>Typescript. Includes vita and abstract. Includes bibliographical references (leaves 185-194). Also available for download via the World Wide Web; free to University of Oregon users.

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27

Thornley, Marc. "How New Zealand's non-mortgage, individual and household debt has grown since the 1990's looking at the demographic factors behind the debt and how it compares to other OECD countries : a dissertation project submitted to AUT University in partial fulfilment of the degree of Master of Social Policy , 2008 /." Click here to access this resource online, 2008. http://hdl.handle.net/10292/670.

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28

Milinkovich, Steven M. "Analysis of perceived financial conditions of US Navy enlisted personnel." Thesis, Monterey, Calif. : Springfield, Va. : Naval Postgraduate School ; Available from National Technical Information Service, 2006. http://library.nps.navy.mil/uhtbin/hyperion/06Mar%5FMilinkovich.pdf.

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29

Vodolánová, Romana. "Osobní a rodinné finance - investiční příležitosti v ČR." Master's thesis, Vysoká škola ekonomická v Praze, 2009. http://www.nusl.cz/ntk/nusl-11005.

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This thesis tries to explore the current situation on the Czech market in terms of options and opportunities for saving and investing for the small investor. It summarizes the basic methods and rules of investing and financial planning. Identifies and describes the investment instruments available on the Czech market.

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30

Tschache, Candice Arrington. "Importance of financial literacy and financial literacy content in curriculum." Thesis, Montana State University, 2009. http://etd.lib.montana.edu/etd/2009/tschache/TschacheC0809.pdf.

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Teachers, administrators, parents, business owners, and community members need to know the importance and value of a Personal Finance class. In this study, a two page survey was given to teachers, administrators, parents, business owners, and community members to determine the importance they placed on financial literacy curriculum and what content they think should be included in a financial literacy curriculum at Bozeman High School. The results of this survey showed that most participants of the survey thought financial literacy was important and that financial literacy curriculum was also

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31

Knutson, Leah B. "Financial knowledge a literature review examining financial knowledge among male and female high school students /." Menomonie, WI : University of Wisconsin--Stout, 2007. http://www.uwstout.edu/lib/thesis/2007/2007knutsonl.pdf.

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32

Effa, Marvin James. "A project to help believers at Bethany Bible Church grow in their understanding of biblical finances through the study of the New Testament and Proverbs." Theological Research Exchange Network (TREN), 2005. http://www.tren.com.

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33

Varma, Abhishek. "Individual investing in the familiar and the unfamiliar." Pullman, Wash. : Washington State University, 2009. http://www.dissertations.wsu.edu/Dissertations/Spring2009/A_Varma_041709.pdf.

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34

Hagemeier, Nicholas E., Chad K. Gentry, Debbie C. Byrd, et al. "Student Pharmacists’ Personal Finance Perceptions, Projected Indebtedness upon Graduation, and Career Decision-Making." Digital Commons @ East Tennessee State University, 2017. https://dc.etsu.edu/etsu-works/1484.

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Objectives: To evaluate the extent to which students’ personal finance perceptions, projected student loan indebtedness, and demographic characteristics predict post-PharmD career intentions. Methods: Students at three pharmacy colleges completed a 31-item survey instrument that assessed personal finance perceptions, self-efficacy beliefs, anticipated student loan debt upon graduation, postgraduate intentions, anticipated practice setting upon graduation, and demographic characteristics. Logistic regression models were used to examine the extent to which personal finance perceptions, student

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35

Hagemeier, Nicholas E., Chad Gentry, Leonard B. Cross, Daniel L. Rose, Gentry E. Miller, and Chelsea E. Phillips. "Student Pharmacists’ Personal Finance Perceptions, Projected Student Loan Indebtedness, and Career Decision Making." Digital Commons @ East Tennessee State University, 2014. https://dc.etsu.edu/etsu-works/1456.

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Objectives: 1) Describe relationships between student pharmacists’ personal finance perceptions and projected post-graduation indebtedness; 2) Examine the association between personal finance perceptions, demographic characteristics, and post-PharmD career intentions. Method: Student cohorts at two colleges of pharmacy (N= 226) completed a self-administered 39-item questionnaire assessing personal finance perceptions, behaviors, student loan indebtedness, and post-PharmD career intentions. Parametric and nonparametric independent t-test and one-way ANOVA equivalents, and logistic regression te

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36

White, Jennifer E. "Relationship Between SBA Loans, Personal Capital Finances, Government Regulations, and Business Profitability." ScholarWorks, 2019. https://scholarworks.waldenu.edu/dissertations/7353.

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Women-owned small businesses have grown 58% between 2007 and 2018. Some female owners of small businesses lack strategies to obtain financial capital to continue growth and raise profitability for their businesses. The purpose of this secondary data analysis was to examine the relationship between access to sources of financial capital, government regulations and business profitability. The resource-based theory was the theoretical framework for this quantitative ex-post facto study. Archival data from the 2016 Annual Survey of Entrepreneurs were collected. Data were analyzed using multiple li

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37

Gongwer, Jeffery A. "The theological poverty of the prosperity gospel philosophies and practices of financial stewardship from the perspectives of "Christian financial management" and the "prosperity gospel" movement : comparisons and conclusions /." Theological Research Exchange Network (TREN), 2007. http://www.tren.com/search.cfm?p056-0074.

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38

Talwar, Sanjiv. "The cost of capital in the presence of alternative corporation and personal tax regimes." Thesis, London School of Economics and Political Science (University of London), 1993. http://etheses.lse.ac.uk/2591/.

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In 1958, Modigliani and Miller initiated an important debate in modern corporate finance literature, when they stated that in the absence of taxes, the cost of capital of a firm is independent of its capital structure. They modified and then corrected their view in 1963 when they stated that the introduction of corporation taxes into their model implied that there is a tax advantage to leverage and therefore taxes influenced the cost of capital. Subsequently, in the 1970s and 1980s, this debate has focused on the interaction of personal taxes and corporation taxes with the cost of capital and

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39

Abozeid, Hady O. T. A. "Personal variables, organisational variables and moral intensity dimensions underlying external auditors' ethical decision making : Egyptian evidence." Thesis, University of Huddersfield, 2018. http://eprints.hud.ac.uk/id/eprint/34648/.

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Academic and professional attention towards ethics in business in general and audit ethics in particular has grown significantly following well-documented audit failures and corporate scandals. Several empirical studies have been carried out to investigate the factors underlying such auditors’ ethics. The majority has been done in the USA and other developed countries, often using undergraduate student convenience samples. They have provided clearly mixed results and have tended to focus on only one or two stages of the ethical decision making (EDM) model devised by Rest (1986). This study sou

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40

Hasheela, Elisa Tulipohamba. "Access to finance and financial inclusion in Namibia." Thesis, Stellenbosch : Stellenbosch University, 2013. http://hdl.handle.net/10019.1/97405.

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ENGLISH ABSTRACT: This study seeks to analyse the financial sector’s (commercial banks and the Bank of Namibia) policy interventions towards creating an inclusive financial system. To achieve this the objective of this study is in three folds, firstly to examine the level and extent of financial inclusiveness in Namibia, secondly to evaluate financial sector (commercial banks and the Bank of Namibia) policies to ascertain their effectiveness in promoting access to finance in Namibia, and thirdly to review international experiences to provide key learning lessons for Namibia’s financial system

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41

Zhang, Kefan 1957. "Factors affecting financial resources management behaviors." Thesis, The University of Arizona, 1989. http://hdl.handle.net/10150/277107.

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This study was carried out with the purpose of discovering what factors are predictive of money management behavior; Plan, Implement, and Evaluative Feedback. The data used in this study was subset data collected during 1988, under the NC-167 project entitled "Family Resource Utilization as a Factor in Determining Economic Well Being of Rural Families". Three hundred and seven financial managers in families from Arizona completed and returned the questionnaire used in this study. It was found that (1) the power money attitude, the inadequacy money attitude, and gender were predictor variables

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42

Scott, Robert H. Sturgeon James I. "The determinants of default on credit card debt." Diss., UMK access, 2005.

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Thesis (Ph. D.)--Dept. of Economics. University of Missouri--Kansas City, 2005.<br>"A dissertation in economics and social science consortium." Advisor: James I. Sturgeon. Typescript. Vita. Title from "catalog record" of the print edition Description based on contents viewed June 26, 2006. Includes bibliographical references (leaves 149-161 ). Online version of the print edition.

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43

Janušaitis, Paulius. "Asmeninių finansų planavimo ir valdymo sistemos kūrimas ir tyrimas." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2008. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2008~D_20080716_100918-02656.

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Šio darbos tikslas - sukurti asmeninių finansų planavimo ir valdymo sistemą, kuri padėtų vartotojams valdyti jų asmeninius finansus bei taupyti pinigus ir laiką. Šio darbo metu buvo atlika projektavimo bei technologinių priemonių sprendimų analizė. Vėliau buvo išskirti penki pagrindiniai sistemos realizavimo uždaviniai. Pateikti jų galimi sprendimo variantai. Kuriamos sistemos architektūrai buvo pasirinktas tipinis trijų sluoksnių principas. Atlikus sistemos kokybės analizę, nustatyta, kad jos kokybė yra gera ir atitinka iškeltus reikalavimus. Palyginus sistemą su alternatyviais sprendimai, ji

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44

Sober, Tamara Leigh. "Wise Choices? The Economics Discourse of a High School Economics and Personal Finance Course." Thesis, Virginia Commonwealth University, 2017. http://pqdtopen.proquest.com/#viewpdf?dispub=10620921.

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<p> Today’s high school students will face a host of economic problems such as the demise of the social safety net, mounting college student debt, and costly health care plans, as stated in the rationale for financial literacy provided by the Council for Economic Education’s <i>National Standards for Financial Literacy</i>. These problems are compounded by growing income and wealth inequality and the widespread influence of neoliberal ideology. Although one of the major goals of economics education is to teach students to make reasoned economic choices in their public and private l

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45

Ahmad, Fahd A., Andrew J. White, Katherine M. Hiller, Richard Amini, and Donna B. Jeffe. "An assessment of residents’ and fellows’ personal finance literacy: an unmet medical education need." INT JOURNAL MEDICAL EDUCATION-IJML, 2017. http://hdl.handle.net/10150/624655.

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Objectives: This study aimed to assess residents' and fellows' knowledge of finance principles that may affect their personal financial health. Methods: A cross-sectional, anonymous, web-based survey was administered to a convenience sample of residents and fellows at two academic medical centers. Respondents answered 20 questions on personal finance and 28 questions about their own financial planning, attitudes, and debt. Questions regarding satisfaction with one's financial condition and investment-risk tolerance used a 10-point Likert scale (1=lowest, 10=highest). Of 2,010 trainees, 422 (21

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Sober, Tamara L. "Wise Choices? The Economics Discourse of a High School Economics and Personal Finance Course." VCU Scholars Compass, 2017. http://scholarscompass.vcu.edu/etd/5033.

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Today’s high school students will face a host of economic problems such as the demise of the social safety net, mounting college student debt, and costly health care plans, as stated in the rationale for financial literacy provided by the Council for Economic Education’s National Standards for Financial Literacy. These problems are compounded by growing income and wealth inequality and the widespread influence of neoliberal ideology. Although one of the major goals of economics education is to teach students to make reasoned economic choices in their public and private lives and provide the sk

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47

Hagemeier, Nicholas E., and Leonard B. Cross. "Financial Literacy Showcase – ETSU Gatton College of Pharmacy Personal Finance for Future Pharmacists Course." Digital Commons @ East Tennessee State University, 2013. https://dc.etsu.edu/etsu-works/1436.

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This session will feature the best financial literacy solutions in higher education, straight from the mouths of the college administrators who have implemented the programs! By the end of this presentation, you will be an expert in the various solutions that are available, as well as having a good idea of what will work best for your institution. In this session, you will find out: (1) How the college decided on its financial literacy program, (2) How each school is integrating the resources, (3) What practices have been the most successful.

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48

Van, Tonder Estelle. "The factors influencing buyer behaviour of single working women when purchasing financial products or services an exploratory study /." Diss., Pretoria : [s.n.], 2003. http://upetd.up.ac.za/thesis/available/etd-11102004-113938.

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49

Smith, Clayton L. "The preacher within the impact of the preacher's personality and pathos on preaching financial stewardship sermons /." Chicago, IL : McCormick Theological Seminary, 1995. http://dx.doi.org/10.2986/tren.102-0684.

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50

Dammer, Susan. "A post survey study of what type of information regarding personal finance is retained after participating in the Reality Store." Menomonie, WI : University of Wisconsin--Stout, 2006. http://www.uwstout.edu/lib/thesis/2006/2006dammers.pdf.

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