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Dissertations / Theses on the topic 'Personal financial investments'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Antoni, Xolile Lucas. "Financial literacy and behaviour among the black community in Nelson Mandela Bay." Thesis, Nelson Mandela Metropolitan University, 2014. http://hdl.handle.net/10948/d1020027.

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South Africa has a poor savings culture. This means that South Africans do not save enough income for a later stage resulting in a relative large number of South African consumers living in debt and using more credit than what they have saved. Almost half of the South African consumers were in debt during the year 2010 and had a negative credit record. Thus consumers in South Africa are not living only in poor conditions but are also open to exploitation by the informal economy. Lenders in the informal economy are known as ‘loan sharks’ because they charge consumers interest rates of between 4

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2

Sankarasubramanian, Lakshminarayanan. "The impact of personal taxes on two areas in the theory of financial markets." Thesis, University of British Columbia, 1987. http://hdl.handle.net/2429/27524.

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This thesis considers the impact of taxation on two problems in the theory of financial markets. The first paper deals with the optimal choice of debt made by value-maximising firms. We consider a one-period world with personal and corporate taxation and distinguish between the repayment of principal and the payment of interest on corporate debt. It is shown that at optimum, a value-maximising firm may choose to issue multiple debt contracts with differing seniorities. In addition, the impact of a change in the tax rates (corporate or personal) on the optimum level of debt is seen to be ambigu

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3

Dzutsev, Alan. "Management of personal investments in Russia and Sweden : Influence of financial literacy of young adults on their behavior in financial planning." Thesis, Internationella Handelshögskolan, Högskolan i Jönköping, IHH, Företagsekonomi, 2018. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-38916.

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Background: Unawareness of most students about how to save and increase their money and changes in global economic conditions create new opportunities and challenges in international business and investment field. Lack of interest from investment companies, banks, funds, estate sellers and rialtos to this interesting and growing group of people, where even bringing up future clients in this young adults can play a big role in future success of the company. Behavior of students and young people is poorly researched, though they often dispose large sums of their own and their parent’s money. Pur

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4

Zainir, F. "Private savings, financial developments and institutions in emerging economies." Thesis, Coventry University, 2012. http://curve.coventry.ac.uk/open/items/49c61e95-2367-4ace-8f9f-92f5ac8cf5c7/1.

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In the 1950s and 1960s, after gaining independence from their colonial powers, most developing countries adopted “market substitution” as their policy for economic development and growth. In essence, this was an industrialisation strategy followed by these developing economies to concentrate on home-grown products and nurture their expertise in order to reach the status of industrialised nations. However, by the end of 1970s, many developing countries began to realize the failures of their inward-looking approach to industrialization when their economies were mired with high unemployment, infl

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5

Dao, Thi Anh Thu. "Women's perceptions regarding financial planning with specific reference to investment." Thesis, Nelson Mandela Metropolitan University, 2015. http://hdl.handle.net/10948/d1021185.

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Investment planning (as one of the key components of financial planning) is seen as an important solution to investment problems and challenges. Previous research however indicated that compare to men, women are not as confident and knowledgeable about financial and investment matters. As a result, women do not conduct investment planning until it is often too late and when they are confronted with a financial crisis or a life predicament such as a divorce or death. Given the lack of research attention focusing on women's perceptions of financial and investment planning in South Africa, and in

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6

Njuguna, Amos Gitau. "An investigation of financial and operational efficiency of pension funds in Kenya." Thesis, Nelson Mandela Metropolitan University, 2010. http://hdl.handle.net/10948/1144.

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Pension funds are the principal sources of retirement income for millions of people in the world. Pension funds are also important contributors to the gross domestic product (GDP) of countries. This study focuses on pension funds in Kenya. Retirement income accounts for 68 percent of the total income of retirees in Kenya, while pension assets account for 30 percent of Kenya’s GDP. It is therefore important that pension funds be managed effectively, not only in Kenya, but also in other countries. The primary objective of the study is to investigate ways of enhancing pension fund efficiency by e

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7

Barnes, Andrew. "A financial planning model for retirement, taking into account the impact of pre-retirement funding income, age and taxation." Thesis, Rhodes University, 2006. http://hdl.handle.net/10962/d1004532.

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Individuals are often not aware of the required level of contributions needed to fund a retirement savings plan. This problem is compounded by the fact that the assistance provided to these individuals by way of commercially-available retirement planning models does not take into account the effect of income tax on the level of required retirement savings contributions and recent changes in the tax legislation to the income tax payable by individuals has had a significant effect on these required levels. As a preamble to the research process, an exploratory questionnaire was administrated to a

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8

Kriel, Willem Jacobus Adriaan. "Persoonlike finansiële bestuur van NWK Beperk–werknemers / deur Willem Jacobus Adriaan Kriel." Thesis, North-West University, 2010. http://hdl.handle.net/10394/4470.

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Personal financial management is an integrated part of modern man's everyday life. It does not only involve spending his monthly income. It comprises his outlook on life, the way he handles all his financial affairs as well as the way he goes about minimizing his financial risks. The financial plan that the individual has to provide for his retirement, to take care of his dependants as well as the way that the assets he acquired during this lifetime, must be distributed after his death, also forms part of this personal financial management. The main purpose of the study is to determine the lev

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9

Persson, Danny, and Peter Furberg. "Saving & Investment : a guide to personal financial advising; the process and outcome." Thesis, Umeå University, Umeå School of Business, 2009. http://urn.kb.se/resolve?urn=urn:nbn:se:umu:diva-23530.

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<p>The ongoing global recession has made the economy widely discussed in recent months. As individuals, who are part of, and affected by what is happening in the global economy, we found it interesting to investigate the current financial situation on a more individual and personal level. We intended to find out more about personal financial advising, how it is conducted and what the financial advisors suggest we do with our money today. Is it best to stick the money under the mattress or has the current financial situation brought on a perfect opportunity invest money in the financial markets

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10

Dall, Natalie. "Perceptions of financial counselling in Western Australia." Thesis, Edith Cowan University, Research Online, Perth, Western Australia, 1996. https://ro.ecu.edu.au/theses/934.

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The development of financial counselling in Australia during the past decade has been complex and fragmented. Financial counselling and rural counselling services within Western Australia are funded from a range of government, non-government and church based groups. This has contributed to problems in the identification of basic definitions of the need for services, the role of the financial counsellor and service models or functions. The failure to define the role of the financial counsellor and the needs to be addressed by financial counselling services, "appears to be the most important his

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11

Venter, Jan MP. "An analysis of the expectation gap in the personal financial services industry in South Africa / Jan MP Venter." Thesis, North-West University, 2008. http://hdl.handle.net/10394/4346.

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12

Griffin, Mark Eldridge. "A Case Study of Blue-Collar Worker Retirement Investment Decisions." ScholarWorks, 2015. https://scholarworks.waldenu.edu/dissertations/319.

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The finances of blue-collar workers were the most acutely impacted as these workers lost their jobs during the Great Recession of 2007 through 2009. The literature revealed a minimal understanding of how blue-collar workers allocated funds for their retirement, and what their investments might be when they invested. To address this problem, the current qualitative study addressed (a) how blue-collar workers chose to invest or not invest for retirement and (b) how blue-collar workers diversified their portfolio if they chose to invest. Theoretical foundations of the study were based on regret t

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13

Chloubová, Petra. "Řízení osobních financí, způsoby zhodnocování peněžních prostředků." Master's thesis, Vysoká škola ekonomická v Praze, 2009. http://www.nusl.cz/ntk/nusl-15888.

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The thesis includes the introduction of ways how to increase the value of personal finance. The major ways are the bank products, instruments of financial and capital market and real estates. The problem is descripted from the small investor's point of view.

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14

Mikušová, Lucie. "Osobní finance, investiční možnosti a zvyklosti v ČR." Master's thesis, Vysoká škola ekonomická v Praze, 2008. http://www.nusl.cz/ntk/nusl-4844.

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We are living in the era of financial uncertainty and high volatility on financial markets. According to some experts, these circumstances will have a significant impact on the investment conventions of Czech investors in the future. Economists are afraid of even stronger conservatism and skepticism on the field of investment tools. The gab between the yield of Czech and American or Australian family portfolio will be most probably deepen thanks to this. My master thesis has the goal to briefly define financial products which are available for Czech investors. Furthermore I also explain reason

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15

Elumaro, Adeboye Israel. "Understanding the nature of talent identification and development in the Nigerian context." Thesis, Edinburgh Napier University, 2015. http://researchrepository.napier.ac.uk/Output/453361.

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In recent times, the sports sector across the globe has attracted economic interests both from the public and the private sector. For example, the cost of hosting the 2014 FIFA World Cup in Brazil was estimated at over $14.5 billion, with huge investments made intorenovating old stadia and building new ones in preparation for the games. Similarly, the 2014 Commonwealth Games in Glasgow generated over 5,000 jobs and apprenticeships for the locals, £200m worth of contracts to local firms, £198m investments in sporting facilities, and £700m worth of transport-related infrastructural development.

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16

Kposowa, Kaitor. "The Financial Success of Franchise Film Sequels: An Exploration of the Relationship of Budget, Personnel Factors, and Reviews with Sequel Return on Investment." Ohio University / OhioLINK, 2015. http://rave.ohiolink.edu/etdc/view?acc_num=ohiou1429187596.

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17

Huisamen, Petronella. "Die effek van die besluitnemings- en lewensdoelkomponente van die SAPD se selfbestuur personeelkapasiteitsbouprogram / Petronella Huisamen." Thesis, North-West University, 2005. http://hdl.handle.net/10394/1518.

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Background: In 2003, the National Commissioner of the South African Police Service gave instructions that all the new student constables should undergo a personnel capacity-building programme as part of their basic training. This led to the development of the Self-Management Programme by Police Social Work Services. This programme IS, since July 2004, an integral part of the empowerment of more than 8000 recruits annually. A comprehensive study into the short and long-term effects of the programme on recruits, as well as its overall return on investment (ROI), was started in 2004. In this docu

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18

Bi, Lan. "The influence of uncertainty and liquidity constraints on liquid asset holdings of credit card revolvers." Connect to resource, 2005. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1127153217.

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Thesis (Ph. D.)--Ohio State University, 2005.<br>Title from first page of PDF file. Document formatted into pages; contains xii, 174 p.; also includes graphics (some col.). Includes bibliographical references (p. 154-160). Available online via OhioLINK's ETD Center

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19

Chiu, Yen Chih, and 邱彥志. "An Improved Personal Identity Verification Mechanism for Network-based Financial Investment and Transaction." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/55396272322845747243.

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碩士<br>長庚大學<br>商管專業學院碩士學位學程在職專班資訊管理組<br>101<br>Due to the advance of Internet technology and the increase of Internet usage, the use of Internet has gained popularity. Since Internet has become mature and brought broad market world-wide, electronic commerce not only is developed greatly to a new business model, but also drives the current of innovative transactions. This also motivates the vital change of trade structure between customers and dealers, thereby the entire market including financial markets. Moreover, traditional over-the-counter service usually involves time-consuming and labor-i

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20

Tworek, Joel. "Levels and proficiencies of consumer financial literacy among apprentices in the western suburbs of Melbourne, Australia." Thesis, 2006. https://vuir.vu.edu.au/32992/.

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In this research study we have adopted Mason and Wilson's (2000) definition of being financially literate as "the ability to make informed judgments and to take effective decisions regarding the use and management of money". Keeping this definition in mind, certain financial skills are identified as important for apprentices, to rightfully be considered financially literate. These skills include basic financial mathematical skills, cash and financial management, basic knowledge of payment methods, superannuation, loans, investments and the ability to source financial assistance. Through

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21

陳佳鈺. "A Study of Financial Information Acquiring Resources、Money Attitudes and Personal Investment Behavior on Public Preschool Teachers in Taichung City." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/ce785z.

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碩士<br>國立彰化師範大學<br>財務金融技術學系<br>102<br>This study was to investigate the preschool teachers’ about financial information acquiring resources, money attitudes and personal investment behavior in Taichung city. Questionnaire survey was conducted among 148 public preschools in Taichung city (including the preschool teachers of elementary school and the municipal children’s day care center). There are 443 valid samples. Related datas were analyzed by SPSS 19.0 for Windows version through descriptive Statistical Analysis, t-test, one -way ANOVA and Pearson Product -Moment Correlation. The findings we

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22

Pinheiro, Inês Maria de Assis. "Silos de Leixões: economic and financial viability analysis for an investment project." Master's thesis, 2018. http://hdl.handle.net/10071/18358.

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Silos de Leixões, which belongs to GeStmin group, is a logistic operator, located at Leixões port – Matosinhos. It is the second largest national player in agro-food handling and storage, and in 2017 Silos de Leixões operated 763,000 tons. Up to 2017, the port was explored only by one logistic operator, and so Silos de Leixões was limited to a single supplier, and also subject to higher prices. When the hypothesis of the port being explored by private entities emerged, the GeStmin group decided to plan the creation of a new company able to serve Silos de Leixões as a ship unloader suppl

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23

"A comparison of management and financial advisors' perceptions of performance motivators in the long term insurance industry." Thesis, 2008. http://hdl.handle.net/10210/297.

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Today’s organisation competes in a fast-moving global marketplace. With technological developments, global communications and demanding customers driving increased competition in most sectors, organisations cannot afford to stand still for long (Holbeche, 2004:32). They exist only when their products and services are sold, and salespeople are usually one of the most important elements of making this happen. Organisations’ fiscal health depends on their ability to drive revenue, but without mastering sales management, revenue can quickly decline. Salespeople need to concentrate on sales, not on

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24

Mambona, Lehlohonolo Gabriel. "A framework to minimize systemic indebtedness : a financialisation theoretical perspective." Thesis, 2018. http://hdl.handle.net/10500/25928.

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The purpose of this study is to develop an indebtedness framework that explains the effects of financialisation and household indebtedness on economic development. For this purpose, the study empirically examines annual South African data covering the years 1990-2017 to look at the effect of financialisation before and after the 2007/08 financial crisis. South Africa adopted an inflation targeting monetary policy regime in the 1990s before the global economic crisis in response to the global financial crisis of 2007-08. Examining data from 1990-2017 made it possible to look at the effects of

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25

Rodrigues, João António Seco. "Business plan: developing a townhouse residential project as an investment strategy." Master's thesis, 2021. http://hdl.handle.net/10071/25034.

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The following analysis is a comprehensive study of a business proposal for the construction and promotion of residential property in a project located in Faro, Portugal. This business opportunity, for its structure and differentiation from the current projects in the company’s portfolio, requires a careful analysis and a unique strategic investment approach. This document provides a framework to evaluate the business proposal, with the objective of enabling decision- making regarding the option to invest in it. Analysis is to be supported by a market-based project valuation, which requir

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Deqi, Chen. "The impact of executive incentives on detection of investment opportunities and performance: the case of Chinese listed companies." Doctoral thesis, 2019. http://hdl.handle.net/10071/21331.

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Since the reform and opening up in 1978, China has realized a significant transition from a centrally planned to a market economy. The reform of the income distribution system is of great significance for promoting this transformation. For private enterprises as its mainstay, the market valuation and the stock performance depend largely on the future investment opportunities of the enterprises, and whether they can grasp investment opportunities and create new growth opportunities in the future is highly dependent on the decision-making ability of their executives. The existing research

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27

Santos, Paula Gabriela Faria Rita dos. "O valor relevante do custo versus justo valor das propriedades de investimento." Master's thesis, 2010. http://hdl.handle.net/10071/3866.

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Actualmente não existe anuência internacional relativamente à forma como as propriedades de investimento deverão ser contabilizadas após o seu reconhecimento inicial no balanço. Esta dissertação tem como objecto de estudo o justo valor atribuído às propriedades de investimento e, como objectivo averiguar se a valorização atribuída pelo mercado às propriedades de investimento varia consoante o modelo utilizado para a mensuração das mesmas: modelo do justo valor ou do custo. A amostra utilizada é constituída por empresas pertencentes ao sector do real estate, cotadas em doze bolsas Europeias, c

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