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Relevant bibliographies by topics / Personal Financial Management Behavior / Dissertations / Theses

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Dissertations / Theses on the topic 'Personal Financial Management Behavior'

Author: Grafiati

Published: 7 June 2025

Last updated: 2 August 2025

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1

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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2

Board, Barbara A. "Preference of selected Virginia citizens for information and education in personal financial management." Thesis, This resource online, 1992. http://scholar.lib.vt.edu/theses/available/etd-09292009-020022/.

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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

Wermuth, Michael J. "Exploring Student Loan Personal Financial Management Decisions Using a Behavioral Economics Lens." ScholarWorks, 2017. https://scholarworks.waldenu.edu/dissertations/3421.

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There is a student loan debt problem in the United States. Seven million student borrowers are in default and another 14 million are delinquent on their loans. A high level of college loan debt leaves students with insurmountable payments and holds them back from starting a family, buying a home, or saving for retirement. The problem is that financial managers may not understand the student loan decision process well enough to help students make a loan decision that prevents an unmanageable level of debt. The purpose of this study was to explore and understand the student's loan decision proce

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5

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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6

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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7

Morris, Shana R. "Completion of a Personal Financial Management Course in Relation to Financial Satisfaction, Confidence and Practices." DigitalCommons@USU, 1989. https://digitalcommons.usu.edu/etd/2500.

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This study was conducted to examine the relationship between completion of a personal financial management course and financial satisfaction, confidence, and practices. The relationship between the use of recommended financial management practices and financial satisfaction and confidence was also examined. Data for this study were collected through a questionnaire mailed to a sample of Utah State University graduates who had taken a personal financial management course at the university and those who had not. The survey investigated financial satisfaction, confidence in financial management s

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8

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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9

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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10

Van, Deventer Marko. "Black Generation Y students' knowledge of and attitudes towards personal financial management / Marko van Deventer." Thesis, North-West University, 2013. http://hdl.handle.net/10394/10616.

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The effective and efficient management of personal finances is critical for everyone, particularly in a world where uncertainties prevail. Owing to continuous change, new financial challenges frequently confront individuals that culminate ultimately in uncertainties concerning individuals’ financial position and future. Having low levels of debt, an active savings and retirement plan, as well as following an expenditure plan, will lead to financial wellness, which demonstrates an active state of financial wealth. A comprehensive financial plan makes individuals attentive when dealing with fina

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11

Davison, Heather. "The development of new products in the personal financial services sector." Thesis, Bournemouth University, 1990. http://eprints.bournemouth.ac.uk/421/.

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The development of new products in the personal finacial services (PFS) sector is an area that is being increasingly relied upon by organisations to provide competitive differentiation in the highly competitive environment that they now operate within. Despite this reliance, relatively little is known about how new product development (NPD) activity is undertaken within the PFS sector. The literature in this area is inundated with different models and techniques to aid development programmes, but how closely they are followed and implemented in the reality facing personal financial service com

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12

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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13

Ewers, Robin B. "Enterprise Risk Management in Responsible Financial Reporting." Thesis, Walden University, 2017. http://pqdtopen.proquest.com/#viewpdf?dispub=10637579.

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<p> Despite regulatory guidelines, unreliable financial reporting exists in organizations, creating undue financial risk-harm for their stakeholders. Normal accident theory (NAT) identifies factors in highly complex integrated systems that can have unexpected, undetected, and uncorrected system failures. High-reliability organization (HRO) theory constructs promote reliability in complex, integrated systems prone to NAT factors. Enterprise risk management (ERM) integrates NAT factors and HRO constructs under a holistic framework to achieve organizational goals and mitigate the potential for st

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14

Mullen, John, Kevin Wilson, and Ian Burgess. "An analysis of personal financial management training within the Department of the Navy." Thesis, Monterey, California: Naval Postgraduate School, 2013. http://hdl.handle.net/10945/38986.

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Approved for public release; distribution is unlimited.<br>In todays Navy, budget concerns are a part of everyday life. The Department of the Navy (DON), similar to many other government organizations, is more budget-constrained and faces an uncertain future, to some degree, with fiscal issues. With the real threat of government shutdowns, downsizing threats, furloughs, and possible changes in military retirement, DON personnel must utilize sound Personal Financial Management (PFM) to be prepared to face these future challenges. The purpose of this research was to determine the financial chara

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15

Napier, Kelly Kristen. "Financial Management Among Individuals with Schizophrenia: An Investigation of Perceived and Actual Abilities." Xavier University / OhioLINK, 2006. http://rave.ohiolink.edu/etdc/view?acc_num=xavier1401792192.

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16

Backert, B. Marlene King. "The integration of household financial management training with premarital counseling, a case study." Theological Research Exchange Network (TREN), access this title online, 2006. http://dx.doi.org/10.2986/tren.074-0075.

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Backert, B. Marlene King. "The integration of premarital counseling and household financial management training a case study /." Theological Research Exchange Network (TREN), 2006. http://www.tren.com/search.cfm?p074-0075.

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18

Robb, Cliff A. "College students and credit card use the effect of personal financial knowledge on debt behavior /." Diss., Columbia, Mo. : University of Missouri-Columbia, 2007. http://hdl.handle.net/10355/4793.

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Thesis (Ph. D.)--University of Missouri-Columbia, 2007.<br>The entire dissertation/thesis text is included in the research.pdf file; the official abstract appears in the short.pdf file (which also appears in the research.pdf); a non-technical general description, or public abstract, appears in the public.pdf file. Title from title screen of research.pdf file (viewed on February 28, 2008) Vita. Includes bibliographical references.

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19

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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20

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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21

Perotti, Enrico Camillo. "Lack of commitment and strategic behavior : four essays in financial economics." Thesis, Massachusetts Institute of Technology, 1990. http://hdl.handle.net/1721.1/14088.

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22

Krause, Mary Elizabeth. "The role of personal values in shaping leaders' experiences with employee engagement| A qualitative phenomenological study." Thesis, University of Phoenix, 2015. http://pqdtopen.proquest.com/#viewpdf?dispub=3727497.

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<p> Organizational leaders worldwide have been plagued with consistently low and declining levels of employee engagement despite ongoing efforts to implement initiatives to retain talent through increased engagement. The purpose of this qualitative phenomenological study was to explore the perceptions, attitudes, and beliefs held by 14 leaders in Arizona and the role their values might play on their receptivity to and experiences with employee engagement. Data obtained from semi-structured interviews and previously completed Core Values Index (CVI) assessments revealed insights that may offer

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23

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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24

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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25

Fourel, Valère (Valère Renaud Ernst). "Financial distress, dealers' behavior and asset pricing in the foreign exchange market." Thesis, Massachusetts Institute of Technology, 2018. http://hdl.handle.net/1721.1/115654.

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Thesis: S.M. in Management Research, Massachusetts Institute of Technology, Sloan School of Management, 2018.<br>Cataloged from PDF version of thesis.<br>Includes bibliographical references (pages 39-43).<br>Exploiting a high frequency dealer-specific quote database in the FX market, I show that shocks to the CDS of a financial intermediary, proxy for its financial wealth, makes her quote larger bid-ask spreads when uncertainty about the underlying traded asset is high or when market competition is low. I first establish that markets are dominated by a handful of dealers who are responsible fo

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26

Fujimoto, Yuka 1976. "Personal, group and organisational diversity attitudes, values and norms make a difference to culturally diverse workgroups." Monash University, Dept. of Management, 2002. http://arrow.monash.edu.au/hdl/1959.1/8011.

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27

Jackson, Jessie Hyman. "Strategies Church Financial Leaders Use for Financial Sustainability during Economic Crises." Thesis, Walden University, 2018. http://pqdtopen.proquest.com/#viewpdf?dispub=13422045.

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<p> Church financial leaders were affected by the economic crisis after the 2008 recession. In a 2009 group study conducted nationwide with church financial leaders, 57% stated that the economy had a negative effect on their church budgets. The purpose of this qualitative multiple case study was to explore successful strategies that some church financial leaders used to ensure financial sustainability during economic crises. Resource dependence theory was the conceptual framework. Data were collected from 6 church financial leaders at 4 churches in the northeastern region in the United States;

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28

Koropp, Christian [Verfasser], Dietmar [Gutachter] Grichnik, and Christian [Gutachter] Koziol. "Financial behavior in family firms : paper series / Christian Koropp. Gutachter: Dietmar Grichnik ; Christian Koziol." Vallendar : WHU - Otto Beisheim School of Management, 2016. http://d-nb.info/1113538295/34.

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29

Van, Name Judith A. "Financial management practices of married single earner and dual earner families in Delaware." Diss., Virginia Tech, 1991. http://hdl.handle.net/10919/39990.

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30

Bacher, Jason R. "Designing for Education Debt Management: Improving Student Financial Experiences Through Design." Kent State University / OhioLINK, 2012. http://rave.ohiolink.edu/etdc/view?acc_num=kent1352832091.

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31

Wu, Xiao Qian. "Determinants and Consequences of the Use of Digital Finance Platform for Personal Financial Management in Rural China." Thesis, Curtin University, 2019. http://hdl.handle.net/20.500.11937/76185.

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This research aims to investigate the determinants influencing the use of digital finance platform (DFP) for personal financial management (PFM) and its consequences on rural Chinese. Data are collected from 403 rural residents in China and analysed using Partial Least Squares-Structural Equation Modeling. The findings show that performance expectancy, effort expectancy and facilitating conditions positively influence the use of DFP, which then lead to net benefits and user satisfaction on PFM of rural Chinese.

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32

Mielitz, Katherine Suzanne. "Investigating offenders’ post-release financial intentions." Diss., Kansas State University, 2018. http://hdl.handle.net/2097/38609.

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Doctor of Philosophy<br>Department of Human Ecology-Personal Financial Planning<br>Maurice M. MacDonald<br>Crimes are committed for a vast and varying number of reasons. Many of those who commit crime are found guilty and serve their sentences. In most situations, the offenders will complete their sentences and subsequently be released back into society. The question then arises, is the offender prepared to return to society? There are numerous factors associated with successful reentry, but one that has not yet been addressed is financial behavior after release. This dissertation takes a fi

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33

Carlton, David W. "A program to train young adults in the management of personal financial resources at Mt. Zion Baptist Church, Brookhaven, Mississippi." Theological Research Exchange Network (TREN), 1997. http://www.tren.com.

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34

Lindsay, Kathleen. "Financial Crises and Investment Behavior: The Impact of Institutional Investors." ScholarWorks@UNO, 2017. http://scholarworks.uno.edu/td/2383.

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The following dissertation contains two related essays. The first essay explores how institutional investor presence impacts investments during the global financial crisis. Using OLS, industry fixed effects, and Heckman 2SLS regression approaches, I explore two ways through which institutional investors could impact investments: liquidity and monitoring. My findings best support monitoring theory. I find that institutional investors monitor capital and R&D levels to maximize crisis period firm value. The second essay is a direct fallout from my first essay. In it, I investigate how institution

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35

Pagani, Marco. "Flows, Performance, and Tournament Behavior." Digital Archive @ GSU, 2006. http://digitalarchive.gsu.edu/finance_diss/7.

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Essay 1: The Determinants of the Convexity in the Flow-Performance Relationship There is substantial evidence that the flow-performance relationship of mutual funds is convex. In this work, I empirically investigate the determinants of such convexity. In particular, I study the impact that fund fees (marketing and non-marketing fees) and the uncertainty related to the replacement option of fund production factors (managerial ability and investment strategy) have on the convexity of the flow-performance relationship. I also analyze the impact of the priors about managerial ability and idiosync

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36

Van, Nieuwenhuyzen Bernard J. "Financial literacy as core competency of South African military officers : a measurement instrument." Thesis, Stellenbosch : University of Stellenbosch, 2009. http://hdl.handle.net/10019.1/1087.

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Thesis (PhD (School of Public Management and Planning ))—University of Stellenbosch, 2009.<br>ENGLISH ABSTRACT: Since 1994, education and training in South Africa has experienced various changes, driven mainly by the Green Paper on Skills Development and the White Paper on Education which set objectives and outcomes and gave guidelines on how education and training should be approached, planned, and managed. The White Paper on Education necessitated change in SA tertiary institutions such as Stellenbosch University and its respective faculties. The Faculty of Military Science, which i

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37

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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38

Blue, Levon Ellen. "Exploring the Financial Literacy Education Practices in a Canadian Aboriginal Community: A Case Study." Thesis, Griffith University, 2016. http://hdl.handle.net/10072/367797.

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Countries around the world, both developed and emerging, agree that financial literacy education (FLE) is of critical importance, with current economic times having led to an opportune moment for financial education. The 2008 global financial crisis (GFC), increasingly complex financial markets, and widespread growth of alternative or predatory financial services are all valid reasons for FLE. At present FLE is considered an essential 21st century life skill for individuals to acquire. Opportunities to teach individuals how to make simple financial decisions about money management and exposure

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Gutierrez-Perez, Francisco. "Correlations Between Management Behaviors and Financial Indicators with FDA Compliance Leading to Medicine Shortages." ScholarWorks, 2017. https://scholarworks.waldenu.edu/dissertations/3395.

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In the first 3 years of the Obama Administration, 2009-2011, the number of warning letters issued to pharmaceutical firms for manufacturing and quality issues increased by 81% to 49 letters. Only 9 letters were issued in the last 3 years of the George W. Bush Administration. Shortfalls in compliance and product quality led to medicine shortages that affected patients' treatment and health. This quantitative study sought to learn to what extent, if any, the independent variables, management behaviors and financial indicators at pharmaceutical firms in the United States, correlated with, or pred

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40

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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Noah, Tanya. "Financial Literacy in Appalachian Kentucky with a National Comparison." ScholarWorks, 2018. https://scholarworks.waldenu.edu/dissertations/5109.

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Financial literacy is a national problem; many studies confirmed that Americans have low levels of financial literacy. There is little to no research about financial literacy in Appalachia, and the level of financial literacy was unknown for Appalachian Kentucky. There is a problem deserving attention which can be seen by examination of the 3 key financial indicators. Many researchers found the Appalachian Kentucky region deficient regarding poverty rates, unemployment rates, and personal income rates. The purpose of this study was to develop a baseline level of financial literacy of Appalachi

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42

Riedle, Danielle. "Transformational vs. Transactional Leaders| How Different Leadership Behaviors and Communication Styles Affect Levels of Employee Motivation in the Financial Industry." Thesis, Southern Illinois University at Edwardsville, 2015. http://pqdtopen.proquest.com/#viewpdf?dispub=1591122.

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<p> The aim of this study was to investigate the perceptions of organizational workers to identify (1) To what extent do the perceptions of support staff in the financial industry regarding the leadership behaviors of direct supervisors affect their levels of intrinsic and extrinsic motivation, (2) What motivational techniques used by transactional and transformational leaders appear to be most effective at motivating support staff in the financial industry. The research questions were investigated through qualitative in-depth interviews with 14 employees in the financial industry. Analysis of

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Fuller, Eric G. "Equipping a select group of young married couples of the First Baptist Church of Alexander City, Alabama, in principles of personal financial management." Theological Research Exchange Network (TREN) Theological Research Exchange Network (TREN) Access this title online, 2005. http://www.tren.com.

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Lee, Jae-Young. "A Cross-Cultural Investigation of College Students' Environmental Decision-Making Behavior: Interactions among Cultural, Environmental, Decisional, and Personal Factors." The Ohio State University, 2000. http://rave.ohiolink.edu/etdc/view?acc_num=osu1392299752.

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Gray, JImmie V. "Organizational Growth: The Impact of Lean Six Sigma on Financial and Non-Financial Performance for Nonprofits." Ashland University / OhioLINK, 2021. http://rave.ohiolink.edu/etdc/view?acc_num=ashland1620348674324962.

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46

Masemola, Matlale Johannah. "The impact of financial problems on productivity of employees of the department of Social Services, Population and Development, Ermelo district." Diss., Pretoria : [s.n.], 2003. http://upetd.up.ac.za/thesis/available/etd-08172004-124726.

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47

Rasuba, Maanda. "Statistical relationship of customer behavioral characteristics in personal banking." Thesis, Nelson Mandela Metropolitan University, 2009. http://hdl.handle.net/10948/1165.

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This study investigates the relationship of bank customers’ behavioural patterns based on the customers past transactions, with respect to their profile characteristics. The main aim of this study is to illustrate that different categories of customers (based on demographical variables such as race, gender and age) have statistically significant differences in behaviour, with respect to how they operate their accounts. A theoretical overview on the literature of customer relationship management in the banking sector emphasises the importance of understanding customers to ensure that a business

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48

Olivier, Lynette Dianne. "An investigation of Locke's model of work motivation for the financial services-industry." Thesis, 2002. http://hdl.handle.net/10500/915.

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49

Chung, Jones, and 鐘國銘. "Personal Financial Management Platform Business Plan." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/95313362316156873421.

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Wu, Jia-Xiang, and 吳嘉祥. "Apply RFID Theory in Designing Personal Financial Management." Thesis, 2013. http://ndltd.ncl.edu.tw/handle/76999179046923796909.

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碩士<br>大葉大學<br>電機工程學系<br>101<br>This research using radio frequency identification system combined with an access database to design a personal financial management system. Firstly, using an access database to establish a database of financial management, then through the Visual Basic programming language to design the interface of management. Secondly, using the reader of radio frequency identification system and USB cable to link the interface of management, and calls from the database to achieve personal financial management. This system is due to the exclusive label and system interface enc

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