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Journal articles on the topic 'Personal financial investments'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

Klimavičienė, Aušra, and Daiva Jurevičienė. "Development Possibilities of Personal Investments into Financial Instruments in Lithuania." Business: Theory and Practice 8, no. (1) (2007): 33–43. https://doi.org/10.3846/btp.2007.07.

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The article examines the development possibilities of personal financial investments and the importance to induce those investments in Lithuania. The links between personal finance, financial assets and personal financial investments are analyzed. The development of Lithuanian stock market is reviewed and the investment opportunities are revealed. The paper analyses the results of investors survey, explores the reasons for not investing and not saving behavior and the ways to foster investments into securities and to increase population's interest in security market. The investment knowledge,

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Huang, Tian, Deyi Shi, and Shihao Xue. "The role and helpfulness of pensions in personal financial investment after retirement." BCP Business & Management 23 (August 4, 2022): 255–63. http://dx.doi.org/10.54691/bcpbm.v23i.1359.

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More than 90% of wage earners in the United States can receive pension options benefits after retirement. It is especially important to manage funds reasonably and choose the right investment after retirement. We use the capital asset pricing model (CAPM) and the Fama-French three-factor model to establish pension and non-pension investment portfolios and measure the return and risk changes of pension portfolio investments under different portfolio investments. The experimental results show that pensions are of great help to the return and Sharpe ratio of portfolio investments. With the interv

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Rietz, Robert, Michael Maves, Frederick Pevow, L. B. Tubergen, and Cedric Quick. "Understanding Basic Personal Finance Terminology." Otolaryngology–Head and Neck Surgery 112, no. 5 (1995): P87. http://dx.doi.org/10.1016/s0194-5998(05)80203-7.

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4

Chandra Bhooshan Singh, Nistha Sharma, and Mariyam Ahmed. "Psychological Determinants of Investment Decisions: Analyzing Financial Behavior in Personal Investments." Involvement International Journal of Business 1, no. 4 (2024): 258–68. http://dx.doi.org/10.62569/iijb.v1i4.46.

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Understanding the psychological factors that influence investor behavior is critical in the dynamic world of financial markets. Financial conduct encompasses the decisions and behaviors individuals exhibit in managing their finances, including investments in various asset classes. Factors such as risk tolerance, cognitive biases, emotional influences, and financial knowledge significantly shape investment outcomes. Gaining long-term financial success requires mastery over these behavioral aspects. This study investigates the influence of three psychological factors—information asymmetry, probl

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Gileva, Alena Romanovna. "Foreign experience of taxation of financial investments of individuals." Налоги и налогообложение, no. 3 (March 2022): 1–15. http://dx.doi.org/10.7256/2454-065x.2022.3.38119.

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The subject of research is foreign experience of taxation of financial assets of individuals. Annually investment activity of individuals gains momentum. That is why tax legislation should be adaptable and effective. With the as high as possible tax revenue individual taxation should not prevent the investment activity of individuals. For that government should create comfortable conditions for investment activity of individuals. In this work were reviewed the basic principles of calculation and payment of personal taxes in foreign countries. The methodology of the research includes analysis,

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Akeny, Emmanuel, and David Mwesigwa. "Personal savings and household investments: a cohort study among primary school teachers." Annals of Management and Organization Research 1, no. 4 (2020): 261–70. http://dx.doi.org/10.35912/amor.v1i4.468.

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Purpose: This study aimed to determine the relationship between personal savings and household investments among a cohort of primary school teachers in lira city. Research methodology: The study used a cross-sectional survey design with a quantitative research approach. Data were collected from a sample of 103 respondents with the period between October 2020 and January 2021 using self-administered questionnaires. The Content Validity Index was used to establish validity, while the Cronbach's Alpha Coefficient was used to test reliability. Results: Using descriptive and inferential statistics,

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Kaur, Kamaljit. "Use of Artificial Intelligence in Personal Financial Planning." Journal of Electronics and Communication Engineering Research 10, no. 12 (2024): 26–29. https://doi.org/10.35629/5941-10122629.

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Personal financial planning encompasses establishing financial objectives, managing budgets, saving and investing, preparing for retirement, handling debts, optimizing taxes, and mitigating risks. Integrating Artificial Intelligence (AI) into this process enhances personalization, automation, efficiency, adaptability, and proactivity. The current study focuses on how individuals invest in the stock market with the assistance of AI. AI-powered tools, such as robo-advisors, provide automated financial advice and investment management tailored to an individual's financial goals and risk tolerance

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Rajesh, RJ, and KV Giridhar. "Financial Literacy and Personal Financial Management: Smart Moves Towards Personal Finance." Shanlax International Journal of Arts, Science and Humanities 12, S1-Oct (2024): 62–67. https://doi.org/10.34293/sijash.v12is1-oct.8285.

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Financial literacy and personal financial management have become integral parts of everyone’s life. Financial literacy is the basic knowledge, skills, behaviour, and attitude towards finance. Personal finance includes income, savings, expenses, investments, and financial protection for the person or family. Personal financial management means effective management of personal finances. There is a necessity of financial literacy for everybody to manage their personal finances. In this backdrop, this paper deals with linkage between financial literacy and personal financial management, and also d

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Uifălean, Răzvan. "Risk Attitudes, Financial Literacy and Financial Behavior: A Gender Specific Comparison." Review of Finance and Banking 16, no. 2 (2024): 249–71. https://doi.org/10.24818/rfb.24.16.02.05.

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This paper investigates the relationship between risk attitudes, financial literacy, and behavior in personal finance, focusing on gender differences. Using surveys, we analyze 52 students enrolled in a Personal Finance course. Men exhibit higher financial literacy and are inclined towards long-term investing. Women show greater satisfaction with spending habits and tend to be more risk-averse. Parental influence varies, with women perceiving pos- itive role models. Correlation analysis reveals significant connections among risk perception, financial literacy, behavior, and parental influence.

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Nur Masithoh, Fitria. "The Impact of Social Media Influencers On Personal Finance And Investment Decisions." Jurnal At-Tamwil: Kajian Ekonomi Syariah 6, no. 2 (2024): 196–214. http://dx.doi.org/10.33367//at.v6i2.1498.

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This research aims to explore the impact of social media influencers on the personal financial behavior and investment decisions of Sharia Economics Study Program students at IAI Uluwiyah Mojokerto. The focus of this research is to understand motivations for following financial influencers, changes in financial behavior after following influencers, and reasons for choosing sharia-based investments. This research uses a phenomenological method with a case study approach. Data was collected through in-depth interviews with students who follow financial influencers on social media. Data analysis

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Zureck, Alexander, and Tina Jäger. "Migration Background and its Impact on Personal Investments of in Germany Living People." INTERNATIONAL JOURNAL OF INNOVATION AND ECONOMIC DEVELOPMENT 4, no. 3 (2018): 7–11. http://dx.doi.org/10.18775/ijied.1849-7551-7020.2015.43.2001.

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More than 20 percent of in Germany living people have a migration background. From the economic point of view and in terms of customer protection, the group of people is noteworthy. Within this paper, the group of people with migration background is compared to people without migration background due to financial advisory, investment objectives, and yearly performance of personal investments. Generally, only a little difference was identified. People with a migration background focus more on security and liquidity. Returns are not so valuable as an investment objective. People with migration b

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Mrs. Yashasvi Panwar, Dr. Vidya Telang, and Dr. Vidya Telang. "A study on the Impact of Financial Literacy on Financial Investment Decisions among women: A review of selected literature." Journal of Global Economy 19, no. 4 (2024): 297–304. http://dx.doi.org/10.1956/jge.v19i4.696.

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Introduction: Investment constitutes an important decision for effective personal financial planning. A good Investment provides a base for a sound financial situation in near future. The recent time period has seen a revolutionary growth in the situation of women. This growth has become more important for the women living in India because India is a developing country. Recently, Indian women have faced tremendous growth in their position across different parts of the country. Women take various important decisions in their life and for their family including financial decisions. It can be sav

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Dr., Rashpaljeet Kaur. "Role of Financial Investment for Retirement Planning." International Journal of Contemporary Research in Multidisciplinary 3, no. 3 (2024): 194–99. https://doi.org/10.5281/zenodo.15577761.

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This paper examines the relevance of financial investment in planning for retirement. It is crucial to have a financially secure retirement as the population ages and life expectancy rises. The report emphasizes the significance of getting started early, diversifying investments, comprehending risk profiles, and making use of suitable financial instruments such as market-linked investments, mutual funds, insurance products, and pensions. It looks at how economic, policy-driven, and behavioural factors affect retirement readiness. Trends and problems are assessed using a combination of secondar

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Fenton-O’Creevy, Mark, and Adrian Furnham. "Money attitudes, financial capabilities, and impulsiveness as predictors of wealth accumulation." PLOS ONE 17, no. 11 (2022): e0278047. http://dx.doi.org/10.1371/journal.pone.0278047.

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In this study we examined three correlates of personal wealth–financial capability, buying impulsiveness, and attitudes to money in a large UK adult sample (N = 90,184). We were interested in how these psychological variables related to personal wealth controlling for well-established demographic correlates: age, education, gender, and household income. We drew on three personal wealth variables based on savings and investments, property wealth and personal items. Using correlational and regression analysis we tested three specific hypotheses which each received support. Our variables accounte

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Shih, Hsien-Ming, Bryan H. Chen, Mei-Hua Chen, Ching-Hsin Wang, and Li-Fen Wang. "A Study of the Financial Behavior Based on the Theory of Planned Behavior." International Journal of Marketing Studies 14, no. 2 (2022): 1. http://dx.doi.org/10.5539/ijms.v14n2p1.

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Personal finance and investments are closely related to people&rsquo;s lives. Most investors focus on return rates than on risks. However, when the market changes considerably or unexpectedly, investors may incur losses. Employees in the electronics industry are a middle- to high-income group. However, their work may prevent them from acquiring financial knowledge and factors affecting investments. This group should also understand methods of reducing risks in investments and avoiding losses. This study examines employees in the electronics industry in Taiwan and uses the theory of planed

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Walakumbura, S. H. M. L. "The Effect of Financial Literacy on Personal Investment Decisions amongst Medical Practitioners in Sri Lanka." European Journal of Business and Management Research 6, no. 4 (2021): 123–26. http://dx.doi.org/10.24018/ejbmr.2021.6.4.952.

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Financial literacy is very essential for any individual in order to efficient and effective decisions regarding their personal investments. Based on that scenario, this study examines the impact of financial literacy on personal investment decisions amongst medical practitioners in Sri Lanka. Personal investment decision has been considered as the dependent variable while financial knowledge, financial skills and financial attitude has been considered as the proxies for the independent variable. Deductive approach has been employed using primary data which is obtained from 205 respondents thro

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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 transactio

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K.P, Mrs Anusha, and Dr Sudha B.S. "A Study on Investment Patterns of Salaried Professionals in Bengaluru." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 12 (2024): 1–9. https://doi.org/10.55041/ijsrem39873.

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Investments are a vital tool for ensuring financial security and accomplishing long-term objectives because they direct current funds into ventures with the potential to generate profits. The investing patterns, methods, and behaviours of salaried professionals in Bengaluru, a centre of India's IT industry, are examined in this study. It emphasises how crucial it is to make investments that promote personal financial stability, meet urgent requirements, and accomplish long-term goals like asset acquisition or lifestyle development. By serving as a catalyst for aggregate demand and national sav

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Agus Putra Mardika. "Dampak Pengaruh Sosial, Motivasi Pribadi Serta Literasi Keuangan untuk Menentukan Keputusan Investasi Generasi Milenial." Jurnal Pengabdian Masyarakat dan Riset Pendidikan 3, no. 4 (2025): 4421–26. https://doi.org/10.31004/jerkin.v3i4.1282.

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This study explores the influence of social factors, personal motivation, and financial literacy on investment decisions of the millennial generation in Indonesia. Using a qualitative approach through literature studies, observations of 2020–2024 trends, and interviews with 12 millennial investors, it was found that family, friends, social media, and influencers play an important role in shaping investment behavior. Motivation for financial security and anxiety about economic uncertainty drive investment decisions. Digital financial literacy improves millennials' ability to manage finances and

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20

Magiera, Frank T. "Teaching Personal Investments via Long-Distance." Journal of Educational Technology Systems 23, no. 4 (1995): 295–307. http://dx.doi.org/10.2190/60y4-teb2-t2mu-wprc.

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This article presents results of teaching a personal investments class using a compressed video system which linked students at a send-site with students at two remote-sites. A pre-test, post-test analysis indicates that students at the remote-sites experienced learning comparable to that of students at the send-site. In addition to academic applications, this delivery medium may be of interest to those in the financial services industry who are exploring additional ways to train employees and communicate with clients.

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Kusumadyahdewi, Kusumadyahdewi. "PENGETAHUAN KEUANGAN DI KALANGAN MAHASISWA." J-PIPS (Jurnal Pendidikan Ilmu Pengetahuan Sosial) 2, no. 2 (2016): 118. http://dx.doi.org/10.18860/jpips.v2i2.6839.

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Currently, variety of banking products to facilitate customer transactions. So it is important to know about the knowledge of finance, including financial products. This research measures the student's understanding on financial knowledge consists of knowledge of personal finance, savings and loans, insurance, investment. The student has followed the course of accounting and financial management largely discusses financial firms, but researchers always explains its application to personal finances when teaching the subject. Measurement of the level of knowledge using questionnaires, then measu

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Mishra, Priya. "Study on the Impact of Financial Literacy on Personal Saving and Investment Decisions." International Scientific Journal of Engineering and Management 04, no. 06 (2025): 1–9. https://doi.org/10.55041/isjem03933.

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Abstract This paper investigates the connection between financial literacy and its influence on Saving and investment choices. Financial literacy, which refers to the understanding and abilities to make well-informed financial choices, is becoming more and more important in today’s intricate economic environment. By conducting a comprehensive analysis of empirical studies and theoretical frameworks, this paper investigates the impact of financial literacy on saving behaviors, investment decisions, and the accumulation of wealth. The research suggests that individuals with higher financial lite

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Han, Kil Woo, and Sang-Bum Park. "An Analysis on the Effects of Economic Conditions on Investment Behavior: Focusing on Level of Finance Knowledge, Income-Expenditure Balance and Liquidity Constraints." International Journal of Economics and Finance 11, no. 11 (2019): 52. http://dx.doi.org/10.5539/ijef.v11n11p52.

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In this study, we investigated the factors that influence investor's propensity to invest which called investment behavior. Factors known to have an impact on individual investment decisions are psychological and cognitive errors, socioeconomic and environmental factors, and financial, economic and environmental factors. Among those factors, financial and environmental factors including the level of knowledge in terms of financial economy, harmonization of income and expenditure, and liquidity constraints are empirically investigated. Among the personal factors the liquidity constraints has be

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K., Riyazahmed. "Investment motives and preferences – An empirical inquiry during COVID-19." Investment Management and Financial Innovations 18, no. 2 (2021): 1–11. http://dx.doi.org/10.21511/imfi.18(2).2021.01.

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Following the COVID-19 breakout, investment in shares, mutual funds, and life insurance are witnessing a growing trend in India. Hence, examining the determinants of investor preferences is necessary to maintain a positive trend. This study analyzes the impact of investor motives and awareness on investor preferences using the data collected from 753 Indian investors in 2020. Factor analysis grouped the investment motives into six categories, namely Nature of investments, Future financial needs, Investor personal characteristics, Safety and stability of investments, Investor behavioral aspects

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Melnyk, V. O. "Modification of Personal Investment Tools from the Perspective of Digital Finance and Its Influence on Ukrainian Finance Market." Business Inform 6, no. 521 (2021): 205–12. http://dx.doi.org/10.32983/2222-4459-2021-6-205-212.

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Drastic changes in the financial services market under the influence of digitalization determine the relevance of research of the modern structure of this market, taking into account the emergence and development of the FinTech innovations. The increase in new investment instruments is attracting the attention of an increasing number of individual investors in the digital finance industry. Considering these tools, the preferences of individual investors require a separate study. The article is aimed at studying the financial market in digital finance and analyzing such types of investments as

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Guruansh Singh. "Impact of behavioral finance on financial decision making." World Journal of Advanced Research and Reviews 24, no. 1 (2024): 1548–54. http://dx.doi.org/10.30574/wjarr.2024.24.1.3135.

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This paper highlights the disproportionate effect of behavioral finance on investor’s investing decisions. While making any financial decisions, one easily gets influenced by psychological and emotional factors. Past individual experiences, tendency or opportunity for herd behavior, personal judgment, overconfidence in one's abilities, aversion to feelings of regret, reliance on advice from experts, and last but not least, something known as the disposition effect—by which investors tend to hold on to losing investments and professionally sell profitable ones too early. The impact of these fac

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Guruansh, Singh. "Impact of behavioral finance on financial decision making." World Journal of Advanced Research and Reviews 24, no. 1 (2024): 1548–54. https://doi.org/10.5281/zenodo.15037461.

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This paper highlights the disproportionate effect of behavioral finance on investor’s investing decisions. While making any financial decisions, one easily gets influenced by psychological and emotional factors. Past individual experiences, tendency or opportunity for herd behavior, personal judgment, overconfidence in one's abilities, aversion to feelings of regret, reliance on advice from experts, and last but not least, something known as the disposition effect—by which investors tend to hold on to losing investments and professionally sell profitable ones too early. The impact

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Manahan, Hugh. "Private Equity Investments in Microfinance in India." Michigan Business & Entrepreneurial Law Review, no. 4.2 (2015): 293. http://dx.doi.org/10.36639/mbelr.4.2.private.

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A trail connects a skyscraper in Manhattan’s Financial District to a tiny food stand in a village in the southeast Indian state of Tamil Nadu. Initially wild and overgrown, the trail now resembles a well-developed road, cleared and shaped. The trail does not connect customers to call centers or raw materials to laborers; the path connects lenders seeking abnormal returns on their investments to borrowers living in poverty. This is the path of private equity investments in microfinance. Microfinance is a powerful financial innovation that has changed personal finance in many parts of the world.

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Rahmayanti, Dewi, Ridwan Nurazi, and Doni Aidul Adha. "Factors Affecting Personal Investment in Mutual Funds via Mo-bile Applications: An Empirical Analysis." Frontiers in Business and Economics 3, no. 2 (2024): 114–24. http://dx.doi.org/10.56225/finbe.v3i2.364.

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Investing in mutual funds involves delegating financial decisions to an investment manager, and technological advances have made investments accessible on mobile platforms, providing various convenient features. This research empirically investigates whether individuals' behavior to invest in mutual funds on mobile platforms is still influenced by intention, possessing adequate financial literacy, and investment experience. Utilizing the construct Theory of Reasoned Action (TRA), the scale measured consists of 22 indicators related to the selected constructs and variables. Data were collected

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Miu, Peter, and C. Sherman Cheung. "Home ownership decision in personal finance: some empirical evidence." Financial Services Review 24, no. 1 (2015): 51–76. http://dx.doi.org/10.61190/fsr.v24i1.3264.

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Despite being one of the most important decisions a household has to make and extensively covered in personal finance textbooks, there is very little empirical guidance as to whether it pays to own a house. We examine this empirical question for households with different risk tolerance. By including home ownership into the general portfolio analysis of financial assets, we demonstrate clearly the interaction effect between financial assets and home ownership. We also offer a compre- hensive analysis of 20 regional housing markets to determine whether the economic case for home ownership varies

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Glenda, M. Senaya. "Financial literacy and its role in promoting sustainable investment." World Journal of Advanced Research and Reviews 24, no. 1 (2024): 212–32. https://doi.org/10.5281/zenodo.15004513.

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<strong>Introduction: </strong>A recurrent trend has been financial literacy to play a significant role in enhancing effective and sustainable investment decision making, and stability of the economy. This paper explores the complex connection between financial literacy, how it links to sustainable finance, and investments, with much emphasis on the importance of increasing people’s understanding of finance so that they make more sustainable decisions on how to use their money. The challenge gives the research a broad context by demonstrating how financial literacy increasingly infl

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Egbu, Dr Christopher Achinike. "The Impact of Financial Literacy on Selected Nigerian Public Sector Employees Savings Culture and Investment." Scholars Journal of Economics, Business and Management 11, no. 10 (2024): 318–28. http://dx.doi.org/10.36347/sjebm.2024.v11i10.003.

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Financial literacy ensures that an individual is able to match his income with his expenditure, lives within his means and forestall going broke or bankrupt. Like general or health literacy, financial literacy could be conceptualized as having two dimensions: understanding (personal finance knowledge) and use (personal finance application). In this study, we reviewed how financial literacy is measured in the current literature and examine how well the existing studies addresses whether financial literacy improves employees savings culture and investment. We review the literature on alternative

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Dharchana, Dr S. "Behavioral Finance and Parental Decision-Making in Children’s Investment." International Journal for Research in Applied Science and Engineering Technology 13, no. 7 (2025): 943–49. https://doi.org/10.22214/ijraset.2025.73148.

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This study explores how parents in Coimbatore make financial decisions for their children’s future, focusing on the influence of behavioral finance—such as emotions, habits, and personal experiences—along with financial literacy, income, risk tolerance, and use of digital tools. Based on responses from 250 parents through a structured questionnaire, the data was analyzed using percentage analysis, ANOVA, t-test, and correlation. The findings show that most parents prefer safe, traditional investments like post-office savings, fixed deposits, and real estate, while fewer choose mutual funds or

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Pillarsetti, Vijai, and Madhava Rao. "The Importance of Estate Planning: A Comprehensive Coverage on Unclaimed Investments in India." Journal of Lifestyle and SDGs Review 5, no. 1 (2024): e02907. http://dx.doi.org/10.47172/2965-730x.sdgsreview.v5.n01.pe02907.

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Objective: Unclaimed investments in India have been a topic of interest for many individuals and organizations. The issue of unclaimed investments arises when individuals fail to claim their rightful financial assets, such as bank accounts, insurance policies, mutual funds, and other financial instruments. This could happen due to various reasons, including the death of the asset holder without leaving a will or without informing their heirs about the investments. Theoretical Framework: Addressing the issue of unclaimed investments requires a multi-faceted method involving various participants

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Vlasova, Yuliya Ashumovna, and ZHanneta Il'yasovna Gerzelieva. "The place of investment life insurance in personal finance." Финансы и управление, no. 4 (April 2024): 241–49. https://doi.org/10.25136/2409-7802.2024.4.72422.

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The paper is devoted to the features of such a product as investment life insurance and the assessment of its role in personal finance. The relevance of the topic is due to the growth of investment activity among the population and, accordingly, interest in various forms of accumulation and saving of funds. A special role in this process is played by state policy aimed at developing financial literacy among the population, which lays down an understanding of the need for independent financial planning by the population. One of the tools that can ensure the safety and increase of funds in the m

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Church, Bryan K., Wei Jiang, Xi (Jason) Kuang, and Adam Vitalis. "A Dollar for a Tree or a Tree for a Dollar? The Behavioral Effects of Measurement Basis on Managers' CSR Investment Decision." Accounting Review 94, no. 5 (2018): 117–37. http://dx.doi.org/10.2308/accr-52332.

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ABSTRACT We experimentally investigate how managers' decisions to invest discretionary resources in the company's corporate social responsibility (CSR) initiatives are affected by whether the investment decision is denominated in financial or nonfinancial measures (i.e., the measurement basis used for decision making). We posit that nonfinancial measures bring attention to the society-serving nature of CSR investments, thus activating the pro-CSR social norms of the company and managers' personal CSR norms. Norm activation, in turn, influences managers' investment decisions to the extent that

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I., Narsis, and Mageshwari G. "INFLUENCE OF ESG FACTORS ON SALARIED EMPLOYEES INVESTMENT CHOICES: PERCEPTIONS, BARRIERS, AND MOTIVATIONS." International Journal of Advanced Research 13, no. 02 (2025): 55–68. https://doi.org/10.21474/ijar01/20353.

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Objective:The objective of this study is to examine the impact of Environmental, Social, and Governance (ESG) factors on the investment decisions of salaried employees. The increasing significance of sustainable investing necessitates an understanding of salaried employees awareness, perceptions, and behaviours concerning ESG integration in financial decisions. This study examines the willingness to adopt ESG-focused investments, the motivations influencing these decisions, and the obstacles impeding ESG adoption. The findings offer insights into the influence of sustainability considerations

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Samsel, Agnieszka. "Generation Zalpha facing emotional investments." Scientific Papers of Silesian University of Technology. Organization and Management Series 2023, no. 166 (2023): 671–82. http://dx.doi.org/10.29119/1641-3466.2022.166.43.

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Purpose: In the article the author presents the results of research into the subjective assessment of knowledge about investments and examples of emotional investing and investment choices of young people. The author tries to predict the directions of development and trends in the field of emotional investments. The main goal was to establish how emotional investments are perceived by young people in comparison to other age groups. Methodology: The article uses a critical analysis of the literature, the method of a diagnostic survey and the method of statistical inference. Findings: Most peopl

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Febrianti, Eka, and Defia Riski Anggarini. "Analisis Perilaku Keuangan Personal, Gaya Hidup Hedonisme dan Pendapatan Dalam Pengambilan Keputusan Berinvestasi Pada Gen Z di Bandar Lampung." Jambura Economic Education Journal 7, no. 2 (2025): 737–61. https://doi.org/10.37479/jeej.v7i2.30966.

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The problem in this research focuses on the low investment awareness among Generation Z in Bandar Lampung, influenced by personal financial behavior, a hedonistic lifestyle, and income. With the growing interest in investing among young people, this study aims to understand the factors influencing their investment decisions. A quantitative approach was applied through a survey method, in which data were collected by distributing questionnaires to one hundred participants. The data were analyzed using multiple linear regression to assess the impact of independent variables on investment decisio

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Latifah, R. R. Talitha Felicia, and Himmiyatul Amanah Jiwa Juwita. "PENGARUH LITERASI KEUANGAN, PERILAKU KEUANGAN DAN PENDAPATAN TERHADAP KEPUTUSAN INVESTASI." Jurnal Management Risiko dan Keuangan 1, no. 3 (2022): 148–58. http://dx.doi.org/10.21776/jmrk.2022.01.3.01.

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The purpose of this study is to identify the effects of financial literacy, financial behavior, and income on investment decision. This quantitative explanatory research was conducted on the employees of PT ASABRI (Persero) in branch offices throughout East Java for six months, from April to December 2022. The data was harvested through questionnaires distributed to 51 respondents and was analyzed using multiple linear regression, F test, t test, and coefficient of determination test performed in SPSS version 28. This study finds that financial literacy significantly influences investment deci

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Lionardo, Holly Christy, Laura Alicia Resubun, and Kenneth August Sahetapy. "Role of Familiarity Bias and Confirmation Bias in Investment Decisions: The Moderating Role of Financial Literacy - A Case Study of FEB Students at Universtas Klabat." Jurnal Economic Resource 8, no. 1 (2025): 338–49. https://doi.org/10.57178/jer.v8i1.1385.

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This study examines the influence of familiarity bias and confirmation bias on investment decisions, with financial literacy as a moderating factor, involving 293 students from the Faculty of Economics and Business (FEB) at Universitas Klabat. The findings indicate that familiarity bias significantly affects investment decisions, meaning that the tendency to choose familiar investments influences students' financial choices. Conversely, confirmation bias does not have a significant effect, suggesting that the inclination to focus solely on information that aligns with personal beliefs has a li

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Brus, Svitlana. "Transformation of the financial services industry under the influence of fintech: global and regional dimensions." Economy and forecasting 2020, no. 3 (2020): 34–46. http://dx.doi.org/10.15407/econforecast2020.03.034.

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The article defines the concept of fintech as an innovative industry and as a financial product. The processes and possibilities of using innovative technologies, in particular blockchain, artificial intelligence, Big Data, cloud technologies, artificial neural networks, and machine learning technologies for the financial services industry are generalized. The author notes the promise of the application of such innovative technologies for the expansion of crediting, reduction of credit, investment and other risks, personalization of financial offers for the client, trading, money transfers, in

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Brus, Svitlana. "Transformation potential of the financial services industry under the influence of fintech: global and regional dimensions." Ekonomìka ì prognozuvannâ 2020, no. 3 (2020): 41–55. http://dx.doi.org/10.15407/eip2020.03.041.

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The article defines the concept of fintech as an innovative industry and as a financial product. The processes and possibilities of using innovative technologies, in particular blockchain, artificial intelligence, Big Data, cloud technologies, artificial neural networks, and machine learning technologies for the financial services industry are generalized. The author notes the promise of the application of such innovative technologies for the expansion of crediting, reduction of credit, investment and other risks, personalization of financial offers for the client, trading, money transfers, in

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Boiko, Ruslan, Rostyslav Baran, Vitalii Boiko, Taras Vasyltsiv, Nataliia Mahas, and Yaroslav Berezivskyi. "Empirics of investment – social and economic development causal nexus in Ukraine (case study of the Lviv region of Ukraine)." Investment Management and Financial Innovations 22, no. 2 (2025): 365–84. https://doi.org/10.21511/imfi.22(2).2025.29.

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The development of regional socio-economic systems relies on investments as a key factor for expanded reproduction, creating a cyclical process in which investments drive development, generating resources for further investments. This paper aims to empirically investigate the nexus and causal link between investments and the socio-economic development of a region in Ukraine (Lviv region as a case study). The research methods include VAR modeling (to assess the elasticity of investment processes to environmental factors), Forward Stepwise (to examine the impact of investment on socio-economic d

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Yunisvita, Yunisvita, Sri Andaiyani, and Muhammad Komri Yusuf. "Assistance in managing household investments and finances with Android-based applications." Abdimas: Jurnal Pengabdian Masyarakat Universitas Merdeka Malang 7, no. 3 (2022): 644–51. http://dx.doi.org/10.26905/abdimas.v7i3.6051.

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Family financial management serves to control fluctuations in the family or personal income and expenses. The use of Android-based applications supports financial management to be easier and more practical. Community service activities carried out by the implementation team from the Faculty of Economics, Sriwijaya University aims to provide knowledge in managing household investments and finances with an Android-based application. This program is based on concerns about the lack of knowledge around family financial optimization, especially in the process of recording a nominal amount of exit a

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Suryawanshi, Kiran. "Financial Literacy among College Students in Pune City: A Comprehensive Study." InSight Bulletin: A Multidisciplinary Interlink International Research Journal 2, no. 3 (2025): 116–23. https://doi.org/10.5281/zenodo.15294553.

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Abstract <em>Financial literacy is essential for young people as it directly influences their decision making regarding savings, investments, budgeting, and overall financial wellbeing. A solid understanding of financial concepts enables individuals to manage their money effectively, avoid financial pitfalls, and make informed choices that contribute to long term financial stability. This research paper explores the financial literacy of the College Students in Pune City, India, assessing their understanding of key financial concepts and their ability to apply this knowledge in their everyday

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Suryawanshi, Kiran. "Financial Literacy among College Students in Pune City: A Comprehensive Study." InSight Bulletin: A Multidisciplinary Interlink International Research Journal 2, no. 3 (2025): 116–23. https://doi.org/10.5281/zenodo.15423421.

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Abstract <em>Financial literacy is essential for young people as it directly influences their decision making regarding savings, investments, budgeting, and overall financial wellbeing. A solid understanding of financial concepts enables individuals to manage their money effectively, avoid financial pitfalls, and make informed choices that contribute to long term financial stability. This research paper explores the financial literacy of the College Students in Pune City, India, assessing their understanding of key financial concepts and their ability to apply this knowledge in their everyday

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Paula, Lucas Davi Fernandes Lopes, Luzia Cecília de Souza Silva, Fábio Chaves Nobre, and Liana Holanda Nepomuceno Nobre. "Risk tolerance assessment in real assets investments: a scale validation in Brazil." Revista de Administração da UFSM 15, no. 2 (2022): 257–69. http://dx.doi.org/10.5902/1983465967123.

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Purpose – Risk tolerance, understood as the willingness of accepting a certain amount of risk which was perceived in an uncertain scenario, has been broadly studied under the framework of personal financial. This research aims to validate a scale for investment risk tolerance when dealing with real assets, in a business context. Design/methodology/approach – A survey was performed with 150 managers, directors, and entrepreneurs who make investment decisions regarding real assets in the commerce, industry, and service sectors. Exploratory factorial analysis was performed was applied to detect t

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Vijay, Laxmi. "Financial Literacy Level among Working Women in Punjab with Special Reference to Investment Avenues Carrying Fixed Income." RESEARCH REVIEW International Journal of Multidisciplinary 04, no. 04 (2019): 2496–98. https://doi.org/10.5281/zenodo.7395371.

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Rising educational accomplishment of women’s and girls’ contribute to their economic empowerment and added inclusive economic growth. But if we talk about financial education, there is a great need for women to be financially literate. Financial literacy refers to the collection of abilities that enables investors to comprehend financial information, financial products and concepts in order to make wise personal financial decisions. Numerous surveys stated lower literacy for financial products all across the world among women than men. In this paper, an attempt has been made to det

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Sharma, Puspa Raj, and Yub Raj Bohara. "Personal Finance Knowlegde and Practice: An Opinion Survey with Employed and Self-employed People in Pokhara." Journal of Nepalese Business Studies 7, no. 1 (2012): 80–99. http://dx.doi.org/10.3126/jnbs.v7i1.6410.

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The ability to manage personal finances has become increasingly important in today's world. People must plan for long - term investments for their retirement and children's education. They must also decide on short - term savings and borrowing for daily life like a down payment for a house, a car loan, and other big - ticket items. Additionally, they must manage their different risk and insurance needs. This is might be the first survey about 'Personal Financial Knowledge and Practice' survey was conducted in 2011 with employed and Self-Employed people in Pokhara, Nepal. The survey revealed en

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