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1
Bambao, Marie. "Developing and maintaining a useful Financial Management Handbook for Department of Defense financial managers." Thesis, Monterey, Calif. : Springfield, Va. : Naval Postgraduate School ; Available from National Technical Information Service, 1999. http://handle.dtic.mil/100.2/ADA374358.
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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 of plan behavior; (2) the inadequacy money attitude and age were predictor variables of evaluative feedback.
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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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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 skills, and use of recommended financial management techniques.
Mean financial satisfaction scores were computed by averaging responses to the multi-question six-point Likert scale. Confidence was measured by computing the mean score on a single-question six-point Likert scale. The measurement of use of recommended financial management practices was computed by summing the points assigned for use of recommended practices and the extent to which each was implemented. The recommended financial management practices scores were then divided into three groups: poor, average, and good.
One-way analysis of variance and the Scheffe multiple range test were used to determine if differences existed in the mean scores on financial satisfaction, confidence , and practices between respondents who had completed a college level personal financial management course and those who had not. These tests revealed that there is no significant difference in financial satisfaction, confidence, and practices between subjects who had completed a financial management course and those who had not. There was a significant difference between the groups in the mean number of recommended financial practices used and financial satisfaction and confidence, although mean scores were only separated by one point.
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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 on South African rugby players. Rugby is a professional sport where players earn money from a young age. It is expected of rugby players to make adequate personal financial decisions from as early as 19 years old. The literature review provided an overview of personal financial management and a discussion on the various components that should be included in personal financial management. A framework for this study was developed. The framework used these components as the base for the personal financial attitudes and practices and how it relates to the demographics of the respondents. Three hypotheses were also formulated based on the literature overview and framework. The objectives of this study were achieved by adopting a quantitative research methodology. A convenience sample of 132 rugby players was drawn for this study. Rugby players from NMMU Madibaz, Eastern Province Rugby Union (EP), South Western Districts Rugby Union (SWD) and Sharks Rugby Union participated in this study. The results of the empirical survey showed that respondents have positive attitudes towards the importance of budgeting, retirement planning, risk management, debt management and investment and the importance of employing a financial planner. On the other hand the personal financial management practices of the respondents in this study can be described as weak. From the results of the empirical survey it is clear that the respondents have weak practices towards the majority of the personal financial management practices. Only one of the three hypotheses was accepted namely that there is a relationship between the demographics of rugby players and their personal financial practices. There is no relationship between personal financial management attitudes and personal financial management practices of South African rugby players and that there is also no relationship between demographic variables and personal financial management attitudes of South African rugby players. This study has provided insight into the personal financial management attitudes and practices of South African rugby players. Valuable information was obtained that could help to address the personal financial management needs of rugby players.
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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 will determine whether they live like the poor or not. Even for the poor, poor financial management skills is one of the important factors that cause them to be enslaved by micro-lenders. To meet the dissertation’s aims a literature study focusing on the origin and the development of micro-lending in South Africa and the financial management acumen of teachers in South Africa, was conducted. An empirical study was then undertaken to investigate the financial management competencies of teachers in Port Elizabeth. Based on the information obtained from the literature study and the results from the empirical survey, various recommendations and conclusions were made.
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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 financial issues, and acts as a guide when making financial decisions. Owing to insufficient financial literacy and skills, personal financial management is challenging and often results in erroneous financial decisions. Financial knowledge forms the basis for financial skills and competence, which are influenced by personal attitudes in both spending and saving. Therefore, in order to plan effectively, and control and manage financial risks and opportunities in the future, financial skills and abilities are essential. Adequate financial knowledge and skills lead to effective personal financial management and sound financial decisions in the short-term as well as in the long-term. Planning for financial independence should start as early as possible during the financial life cycle, usually at 18 years of age. Students are a rewarding market for financial institutions such as banks, insurance companies, pension funds and brokerage companies, potentially leading the way forward to establish brand-loyalty throughout adulthood. However, the lack of financial management and planning experience, as well as financial literacy and financial skills, make students particularly susceptible to the aggressive marketing tactics of financial institutions, which may be harmful to students’ financial freedom. As such, financial institutions and professionals have to gauge effective ways to convey financial knowledge and product information to a target market to deliver improved financial service as well as understand the relevant consumer behavioural aspects of a target market when developing marketing strategies. Published literature on the South African Generation Y consumer behaviour is limited and none that is focused specifically on attitudes towards personal financial planning, financial literacy and perceived personal financial management skills of the significantly sized black Generation Y cohort. This cohort is defined as individuals born between 1986 and 2005. In South Africa, Generation Y individuals accounted for 38 present of the South African population, with the black Generation Y individuals representing 83 present of this generational cohort. Additionally, the black Generation Y cohort of South Africa account for approximately 32 present of the total population, resulting in a highly salient market segment. Of particular interest to marketers and professionals, including financial institutions and those involved in financial management, especially financial planning, are those individuals attaining tertiary qualifications, and as such they are likely to enjoy higher earnings and a higher social standing, which together is likely to make them opinion leaders and trendsetters amongst their peers. The primary objective of this study was to investigate black Generation Y students’ knowledge of and attitudes towards personal financial management within the South African context. The target population, relevant to this study, was defined as full-time undergraduate black Generation Y students, aged between 18 and 24 years, enrolled at South African registered public higher education institutions (HEIs). From the sampling frame, comprising 23 registered South African public HEIs, one traditional university and one university of technology located in the Gauteng province, were selected using a judgement sampling method. A convenience sample of 400 full-time black Generation Y students, who were enrolled at these two South African HEIs during 2013, was drawn for this study. To conduct this study, a structured format was applied where lecturers of the applicable classes were contacted and permission was requested to carry out the survey. Thereafter, during the scheduled class times of the full-time undergraduate students, hand delivered self-administered questionnaires were distributed for completion, which were collected thereafter. The students’ attitudes towards personal financial planning were measured on a six-point Likert scale, whereby participants were requested to indicate the extent of their agreement/disagreement with items pertaining to personal financial planning. The students’ financial literacy was measured, using multiple-choice questions, whereby the students were asked to choose one of the four alternatives provided. The students’ perceived personal financial management skills were measured on a six-point Likert scale, whereby the participants were requested to indicate the extent of their agreement/disagreement with items pertaining to personal financial management skills. Additionally, certain demographical data were requested from the participants. The findings of this study indicate that South African black Generation Y students exhibit a positive attitude towards personal financial planning, have low levels of financial literacy and perceive themselves as being equipped with having the necessary personal financial management skills. More specifically, students’ attitudes towards estate planning were ranked the highest, whereas attitudes towards the financial planning process were raked the lowest. In terms of financial literacy, students scored the highest in general financial knowledge and the lowest in spending related financial literacy questions. Students’ perceptions towards decision-making skills were rated the highest, whereas stress management skills were rated the lowest. Insights gained from this study will help academics, government, financial institutions and other economic role players understand current black Generation Y consumers’ attitudes towards personal financial planning, their level of financial literacy and their perceived personal financial management skills.<br>MCom (Business Management), North-West University, Vaal Triangle Campus, 2014
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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 process using a conceptual framework that contrasts rational choice theory and behavioral economics within the Blackwell, Miniard, and Engel's consumer decision model. This exploratory study was designed to answer research questions about how students perceived the forces that might influence the decision. A qualitative case study was conducted and purposeful sampling was used to identify 28 undergraduate students who had a student loan at a university in the Rocky Mountain region. The students were interviewed, the data coded, and the coded data were analyzed to identify themes. The data were used to diagram the decision process and identify decision variables. The findings indicated that students were pragmatic in their loan decisions, but they were not rational actors. The research highlighted 3 behavioral economic themes: the power of intention, herding, and complexity resulting in the use of the satisficing and default heuristics. The contributions of this study could be of interest to financial managers, parents of students, and students planning to enter college. Preventing unmanageable student debt could bring positive social change to the students and their families.
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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 companies is questionable. The first stage of the research therefore examines the implementation of planned new product development in the sector, in order to highlight the gap between theory and practice, and provide for a more contingent approach to development activities. The second and third stages of this study are concerned with providing a detailed investigation of the development, launch and distribution of a particular new PFS product. Specific attention is paid to the organisational and behavioural factors that influenced its development and eventual market outcome. Such factors are given very little consideration in the existing literature supporting NPD activity, yet it is shown that the consequences that they can have for the success of new PFS products in the marketplace can be critical. The overall value of the research is found in its questioning of the universal nature of the existing provision of theoretical approaches to, and support techniques for NPD, in addition to determining the need for companies, both within and outside of the PFS sector, to take into account highlighted behavioural and organisational factors when involved in development programmes.
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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 linear regression. Results of the multiple linear regression analysis indicated a full model, containing two predictor variables (2, n = 3233). The results revealed a statistically significant relationship among financial capital, government regulations, and business profitability, F (2, 3285) = 5.812, p
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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 characteristics that lead to the financial fitness of DON personnel and to review the DON PFM training programs coverage of those financial fitness characteristics, so that DON leadership can provide the necessary resources to improve the financial fitness of DON personnel. This research project accomplished the following: 1) defined the term financial fitness and the 14 associated characteristics, 2) developed a financial fitness index, 3) analyzed previously collected data from the 2011 Financial Health Quick Poll survey to test the financial fitness characteristics, 4) provided recommendations to improve DON personnels financial fitness, and 5) outlined areas for further research and follow-on PFM studies.
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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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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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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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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 the following variables: having a student loan, knowing when the loan must be repaid, having one or more credit cards, carrying a balance on one or more credit cards, having a savings account, and recording expenditures in a check register.Financial management is an area that Student Affairs practitioners may want to consider investing more time educating students. Current financial management programs may need to be evaluated for their effectiveness. Using current research, new programs may be developed and implemented.<br>Department of Educational Leadership
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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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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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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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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. Purpose: understand specifics of Russian and Swedish customers, clarify whether they are planning their finance or not, how are they included into rational income allocation process. Find out how illiteracy in financial sphere between exploring group of people affects the behavior of Swedish and Russian citizens towards planning and what are the main differences between this groups. Method: Content analysis Results and contribution: This thesis extends the higher educational literature in the field of personal finance planning by making a contribution to enrichment of knowledge and identification of the main trends in the behavior of young people. The differences between Russians and Swedes will help state governments to make their society more educated and rationale in choosing ways to invest and disburse money and companies from investing field to attract more clients and gain revenue. The new openings can provide a framework for further research.
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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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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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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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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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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 is situated at the South African Military Academy (SAMA) in
Saldanha, accepted the challenge of contributing to the full personal development of
students, by undertaking to shape people capable of organising and managing
themselves and their human activities, including their financial activities, responsibly
and effectively.
The success of higher education institutions in empowering young people to be
financially capable is questioned by various publications and surveys. Preliminary
findings from surveys in 2004 and 2005 among students at the SAMA suggest that
they are largely financially illiterate, thus potentially economically volatile.
These findings introduce the research problem and serve as a foundation for the
development of a scientific, socially relevant, valid and reliable financial literacy
measurement instrument. A combined qualitative and quantitative research
methodology is applied to develop a measurement instrument, which is then
assessed for validity and reliability by applying it in a case study.
The secondary objective of this research is the social study of the financial
knowledge, financial behaviour and financial attitude levels of individuals. To ensure
relevance between the case study and the measurement instrument, financial literacy
is initially evaluated as a management competency. Financial literacy is stated as a
key competency in the South African National Defence Force (SANDF).
The financial literacy measurement instrument was constructed after an exploration
of the contextual and conceptual nature of financial literacy. A questionnaire was
selected as the ideal method of gathering the required information. The
questionnaire’s validity and reliability were assessed as part of descriptive research in the development phase, as well as in the case study. The face and content validity
were proven through input from respondents and subject experts.
Reliability of the measurement instrument was assessed by calculating item difficulty,
item discrimination, means, standard deviations and ultimately the internal
consistency of the financial knowledge, behaviour and attitude sections of the
measurement instrument.
In the case study first-year students achieved an average of 50.17% for their financial
knowledge although they rated their own knowledge levels to be 60.8%. The
respondents struggled most with questions pertaining to investment, insurance, and
inflation, and least with retirement and income and expenditure questions.
This research underlines the importance of financial literacy as a management
competency and its importance at a global, national, organisational and personal
level. It produces a valid and reliable financial literacy measurement instrument that
can be used by different stakeholders in South Africa to assess financial knowledge,
behaviour and attitude, and thus indicate where intervention is required. Having a
valid and reliable measurement instrument for measuring financial literacy creates
opportunity for future research and development.<br>AFRIKAANSE OPSOMMING:
Sedert 1994 het die opvoeding- en opleidingsteater in Suid-Afrika dramatiese
veranderinge ondergaan met veral die die Groenskrif op Vaardigheidsontwikkeling en
die Witskrif op Opvoeding, wat die doelwitte en uitkomste gestel het en die toon
aangegee het in terme van hoe opvoeding en opleiding aangepak, beplan en bestuur
behoort te word.
Verandering genoodsaak deur die Witskrif op Opvoeding sou by assosiasie ook
verandering noodsaak in SA tersiêre inrigtings soos Stellenbosch Universiteit en haar
fakulteite. Die Fakulteit Krygskunde, gevestig by die Suid-Afrkaanse Millitêre
Akademie (SAMA) in Saldanha, het die uitdaging aanvaar om by te dra tot die totale
persoonlike ontwikkeling van studente deur te onderneem om mense te vorm wat in
staat sal wees om hulself en hul aktiwiteite verantwoordelik en doeltreffend te
bestuur, insluitend hul finansiële aktiwiteite.
Hoër Onderwys se sukses met die bemagtiging van jong mense tot finansieel
vaardige individue is deur verskeie navorsingsverslae bevraagteken. Voorlopige
bevindinge van studies in 2004 en 2005 onder voograadse studente van die SAMA is
dat hulle grootliks finansieel ongeletterd is en gevolglik ekonomies kwesbaar.
Die bevindinge is die vertrekpunt van die probleemstelling vir hierdie studie, en vorm
die basis vir die ontwikkeling van 'n wetenskaplik- en sosiaalrelevante, geldige en
betroubare finansiële geletterdheidsmetingsinstrument. 'n Gekombineerde kwalitatiefkwantitatiewe
navorsingsmetodologie is toegepas in die ontwikkeling van 'n
metingsinstrument, en die verbandhoudende bepaling van sy geldigheid en
betroubaarheid deur die toepassing daarvan in 'n gevallestudie.
Die sekondêre doelwit van hierdie navorsing is die sosiale studie van die finansiële
kennis-, finansiële gedrags- en finansiële houdingsvlakke van individue. Ten einde
relevansie tussen die gevallestudie en die metingsinstrument te verseker, is
finansiële geletterdheid aanvanklik as 'n bestuursvaardigheid geëvalueer. Finansiële
geletterdheid word in die Suid-Afrikaanse Nasionale Weermag (SANW), as
kernvaardigheid aangedui.
Die finansiële geletterdheidsinstrument is gekonstrueer na 'n verkenning van die
konteksuele en konsepsuele aard van finansiële geletterdheid. 'n Vraelys is geselekteer as die ideale metode om die relevante data te bekom. Die vraelys se
geldigheid en betroubaarheid is as deel van deskriptiewe navorsing in die
ontwikkelingsfase, en ook tydens die gevallestudie, bepaal. Die gesigs- en
inhoudsgeldigheid is bevestig deur respondentterugvoer en vakspesialisinsette.
Betroubaarheid van die metingsinstrument is bepaal deur die berekening van
itemmoeilikheidsgraad, itemdiskriminasie, gemiddelde, standaardafwyking en
uiteindelik interne betroubaarheid van die finansiële kennis-, gedrags- en
houdingsafdelings van die metingsinstrument.
In die gevallestudie, het eerstejaarstudente 'n gemiddeld van 50.17% vir die
kennisfaktor behaal, alhoewel hulle hul eie kennisvlakke gemiddeld as 60.8%
aangedui het. Respondente het hoofsaaklik gesukkel met kennisvrae wat handel oor
beleggings, versekering en inflasie. Hul het die minste gesukkel met kennisvrae wat
handel oor aftrede en inkomste en uitgawes.
Hierdie navorsing bevestig die belangrikheid van finansiële geletterdheid as
bestuursvaardigheid, asook op 'n globale, nasionale, organisatoriese en persoonlike
vlak.
Hierdie studie het 'n geldige en betroubare finansiële geletterdheidsmetingsinstrument
opgelewer; een wat deur diverse finansiële geletterdheidsaandeelhouers
in Suid-Afrika aangewend kan word. Hierdie metingsinstrument sal empiriese inligting
oor finansiële kennis-, gedrags-, en houdingsvlakke genereer en aantoon waar
intervensie benodig word. Die belangrikheid van finansiële geletterdheid, sowel as
die noodsaak vir 'n geldige en geloofwaardige metingsinstrument, is geleenthede vir
verdere navorsing en ontwikkeling.
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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 historic weakness in the field." (Wyse et al., 1990, p.2). A consequence of the initial failure to define the role of the financial counsellor has meant that definitions have evolved retrospectively rather than in a planned fashion in response to need. This conflict and confusion over the role of financial counsellors has created a situation where financial counsellors may not have a shared philosophy of their profession. Central to the debate has been the lack of clarification of the role of financial counsellors and the relative priorities of casework, community education and policy action. Casework and advocacy on behalf of clients have typically been regarded by funding bodies as the most important responsibilities, since casework statistics provide quantitative accountability for public funds. (Wyse et al., 1990, p.2). A study conducted by Ryan (1990) suggested that different ideological beliefs among financial counsellors would have a significant effect on their casework practice. Different ideologies may result in counsellors assessing cases differently and recommending different courses of action to clients. Other implications of counsellors having different ideologies are that they may have different perceptions of client problems and the role they adopt in assisting clients. (Ryan, 1990, p.31). It was thought that financial counsellors would have different views of the purpose of their work and the outcomes they hope to achieve as a consequence of being recruited from a wide range of different educational and experiential backgrounds. Other factors such as the diverse range of prior experiences, lack of uniform training, different work locations and available resources were suggested as being likely to influence the perceptions that financial counsellors have of their work. Individual counsellors may be working from very different paradigms making it difficult to identify a clear philosophy for financial counselling as a profession. The study was designed to investigate the perceptions of financial counselling in Western Australia by conducting in-depth interviews with financial counsellors and their clients. The interviews were analysed and interpreted to draw conclusions about the relationships between the perceptions of financial counsellors and their clients regarding the intended and actual functions of financial counsellors in meeting client needs. The responses from both financial counsellors and clients indicate that perceptions of the role of the financial counsellor, outcomes and strategies used to achieve outcomes are consistent. The results of this study indicate that financial counsellors are in fact working toward similar goals and have similar views of their work. The findings do not support the literature and anecdotal evidence which suggests that financial counsellors may not share the same philosophy of their profession. It is anticipated that the results of this study will assist in the development off future policies, practices and training programs for financial counsellors in Western Australia.
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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 to financial dilemmas an individual might face are some of the approaches used. Ensuring that individuals manage their personal finances effectively so that they have adequate funds to enable a comfortable retirement tends to be the dominating push of FLE. Indeed, this conventional FLE approach is often packaged as easy to acquire skills and knowledge that individuals are expected to follow to effectively manage their finances. The conventional approach also operates from a deficit perspective where assumptions are made about what an individual can or cannot do based on their financial circumstances. Moreover, the social structures that exist to ensure that both poverty and extreme wealth co-exist are not exposed. Therefore, caution should be taken when viewing education as the sole solution to the world’s economic problems as there are other factors to consider such as socio-economic status (SES), gender, culture and behaviour.<br>Thesis (PhD Doctorate)<br>Doctor of Philosophy (PhD)<br>School of Education and Professional Studies<br>Arts, Education and Law<br>Full Text
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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 Appalachian Kentuckians and to compare it to national levels. Becker's theory of human capital served as the theoretical framework of this study. The research questions asked the difference between the levels of financial literacy of Appalachian Kentuckians and Americans. A survey design was used to collect data from residents in an Appalachian Kentucky county (n = 35) that was mathematically average based on the key financial indicators as reported by the Appalachian Regional Commission. The national financial literacy rate was derived from the National Financial Capability Study. A one-sample t test indicated that the financial literacy level of Appalachian Kentuckians is less than the national level. Multiple linear regression analysis indicated that financial literacy levels can be predicted either by personal income or poverty. This study offers positive social change by providing a baseline understanding of financial literacy in Appalachian Kentucky to draw more attention to the improvement needs in this area. Improving financial literacy has the potential to improve key financial indicators of the region, and thus, the lives of Appalachian Kentuckians.
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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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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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De, Kock Stephan Glynn. "An investigation into the viability of applying regression analysis and mathematical science to enhance marketing strategies for the Woolworths financial services personal loans product." Thesis, Stellenbosch : Stellenbosch University, 2007. http://hdl.handle.net/10019.1/80772.
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Thesis (MBA)--Stellenbosch University, 2007.<br>ENGLISH ABSTRACT: is a common misconception that marketing is all about advertising and other promotional activities. These activities are only part of the marketing process which is in fact about identifying the wants and needs of certain customers and satisfying them better than the competition. However, it must also be borne in mind that these needs and wants change over time as customers change positions in the customer lifecycle.
The customer lifecycle of a Woolworths Financial Services personal loan customer is not unlike the generic customer lifecycle of acquisition, development and retention and as such aligns with the principles associated with this theory – acquire, develop and retain as many customers as possible at the lowest cost.
The current marketing practices of Woolworths Financial Services are not targeted, focusing on the entire base of prospective customers without any differentiation between those who would most likely respond and those who would not. These practices, however, have provided the opportunity to gain valuable information about the characteristics of those who do respond and those who do not. The use of data mining and regression analysis models (developed on this data) can provide the ability to effectively predict the response curve – ranking and assigning probabilities based on customer behaviour.
That being said, these probabilities are of little use if they are not used to optimise the structure of marketing campaigns by determining where to differentiate an offer or not. It is here that mathematical science provides a solution through the optimisation process – the process of computing the mix of variables that provides the best result – in this case the highest number of customers acquired, developed and retained within the constraints of a defined marketing budget.
Finally, the result of this process culminates in an increase in shareholder value which would not have been achieved through existing marketing products. The risk associated with implementing this process is negligible, based on empirical evidence regarding the impact of differentiated offers on response rates and as such must be implemented wherever possible.<br>AFRIKAANSE OPSOMMING: Dit is ‘n algemene wanopvatting dat bemarking net oor advertensie en ander reklame aktiwitiete gaan. Hierdie aktiwiteite is slegs ‘n deel van die bemarkingsproses wat eintlik gaan oor die identifisering van die behoeftes van sekere kliënte en om hulle beter as die opposisie te kan bedien. Dit moet egter in gedagte gehou word dat die behoeftes van kliente oor tyd verander as hulle posisies skuif in die kliëntelewenssiklus.
Die kliëntelewenssiklus van ‘n Woolworths Finansiële Dienste persoonlikeleningskliënt is nie anders as die gemiddelde kliëntelewensiklus van verkryging, ontwikkeling en retensie nie, en vergelyk dus met die beginsels wat met hierdie teorie geassosieer word – verkry, ontwikkel en behou so veel as moontlik kliënte teen die laagste koste.
Die huidige bemarkingsprosesse van Woolworths Finansiële Dienste is nie beperk nie en fokus op die algehele moontlike kliëntebasis sonder om te onderskei tussen dié wat heel moontlik sal reageer en dié wat nie sal nie. Hierdie praktyk het egter die geleentheid geskep om waardevolle inligting te bekom oor dié wat reageer en dié wat nie reageer nie. Die gebruik van dataontleding en regressie analise modelle (ontwikkel op hierdie data) kan die vermoë skep om effektief die reaksiekurwe te voorspel – rangskikking en aanwysing van waarskynlikhede gebaseer op kliëntegedrag.
Gegewe dié afleiding, is hierdie waarskynlikhede van geringe belang as dit nie aangewend word om die struktuur van die bemarkingsveldtog te optimeer deur te bepaal of ‘n aanbieding gewysig moet word of nie. Dit is hier waar wiskundige metodes ‘n oplossing bied deur die optimeringsproses – in hierdie geval die meeste kliënte wat verkry, ontwikkel en behou kan word binne die beperkinge van ‘n geïdentifiseerde bemarkingsbegroting.
Ten slotte, die resultaat van hierdie proses lei tot ‘n toename in aandeelhouerwaarde wat nie moontlik sou wees deur bestaande bemarkingsprodukte nie. Die risiko met die implementering van hierdie proses is weglaatbaar klein, gebaseer op die empiriese bewyse aangaande die impak van gedifferensieerde aanbiedings op reaksiekoerse en moet dus geïmplementeer word waar moontlik.
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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 establishing the determinants of such efficiency. More specifically, the study explores the effect that the organisational culture, regulations, investment strategy, ethics, risk management, design, size and the age profile of members of pension funds exert on the efficiency of these funds. A sample of 749 pension funds was drawn from the Kenyan Retirement Benefits Authority (RBA) register. The sample selection was based on the criterion that these pension funds should have been in existence within the period 2001 to 2008. Seven hundred and forty-nine (749) questionnaires were mailed to the trustees of these pension funds. Three hundred and sixty-two (362) usable questionnaires were returned, which translated into a response rate of 48.3 per cent. Except for financial efficiency, self-constructed instruments based on secondary literature reviews were used to measure the variables in the hypothesised model to improve pension fund efficiency. Appropriate steps were taken to ensure the validity and reliability of these measuring instruments. The empirical results revealed that leadership, governance, regulations, design, membership age and size of funds had no significant influence on operational efficiency of these funds. The results further showed that the membership age, design, regulations and operational efficiency of pension funds exerted no significant influence on their financial efficiency. The results also revealed that the membership age, size and design of pension funds did not influence how these funds were led by their leadership. iv The empirical results however showed that smaller pension funds were perceived to exhibit better financial efficiency, while pension funds with membership aged 31 - 40 were perceived to be better governed compared to other age groups. Finally, in rigorous structural equation analyses, no significant relationships were found between fund regulations (independent variable), on the one hand, and fund governance and leadership (dependent variables), on the other hand. Use of simple linear regression however disclosed a significant positive relationship between the afore-mentioned independent variable and dependent variables.
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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 theory and prospect theory. A nonrandom purposeful sample of 10 blue-collar worker participants answered 19 open-ended questions. Data from these questions were analyzed inductively. Findings revealed that, as participants reached the age of 30, they started to consider investing for their retirement. Participants under the age of 30 were not as likely to invest. Only one person over the age of 30 did not invest for retirement. The factors that contributed to these blue-collar workers' investment decisions for retirement were based on an employer-provided retirement accounts, the fear of running out of money later in life during retirement, and the addition of new family members. One of the most popular retirement investment products for the participant group, which included mechanics, laborers, and material movers, was the U.S. Treasury Bonds. Other popular investments were mutual funds, 401(k)s, and IRAs. These findings may inform researchers who are conducting a study on the investment decisions of blue-collar workers. The findings can also be beneficial for other blue-collar workers by showing them that other blue-collar workers do invest, and by revealing their rationales in doing so.
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Kwela, Happy Angel. "The effectiveness of the Personal Financial Management Programme on the well-being of employees in the Department of Rural Development and Land Reform in the Pietermaritzburg region." Diss., University of Pretoria, 2015. http://hdl.handle.net/2263/53421.
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Financial management as a programme generally refers to a set of behaviours in the areas of
cash management, credit management, financial planning, investments, insurance and
retirement and estate planning (Dowling, Corney & Hoiles, 2009: 5). BancVue (2010) adds
by describing a personal financial management programme as a tool that helps consumers to
track and manage their finances, create budgets, categorise and anticipate spending, and
analyse the distribution and performance of their investments. It involves the efficient use of
personal finance to meet the individual s motives and goals .
Survival in this century depends on having resources to sustain one self. The greatest
resource nowadays is having income to meet the basic needs and other personal needs as
indicated by Maslow s hierarchy of needs (Moaisi, 2013: 21). The income earned by an
individual, just like any other resource, needs good management to ensure that the best value
can be extracted and utilised efficiently and effectively (Muske & Winter, 2004). It is for
these reasons that all consumers should have basic knowledge and skills in terms of personal
financial management that would enable sufficient control of finances, resulting in meeting
their basic needs and other necessities (Moaisi, 2013: 21-22).
The researcher is of the opinion that in order to educate consumers government and the
private sector should start by strengthening financial literacy programmes for all, especially the younger generation. If people are more financially literate, they will understand credit and
debt management better.
It is a well-known fact that there is a high prevalence of indebtedness among public servants
in the public sector (Public Commission Report, 2007). A report released by the University of
Pretoria, Law Clinic (Haupt et al., 2008:14) revealed that about R235 million (23%) which
contributed to the garnishee debt of public servants was based in the national departments.
This indicated that there was a substantial number of employees in national departments who
were serving garnishees orders. This was confirmed by a report released by PERSAL in the
Department of Rural Development and Land Reform in the Pietermaritzburg region which
revealed that between March 2009 and January 2011, 15% of employees were garnisheed as
a result of defaulting contracts with different credit providers.
The goal of this study was to evaluate the effectiveness of the Personal Financial
Management Programme for the financial well-being of employees in the Department of
Rural Development and Land Reform in the Pietermaritzburg region within the KwaZulu-
Natal province.
A quantitative study has been conducted and the data was collected through a questionnaire
from a sample of 15 employees in the Department of Rural Development and Land Reform in
Kwa-Zulu Natal province in Pietermaritzburg region. Valuable conclusions and
recommendations originated from the findings of this research study. In terms of the
quantitative results it was clear that the Personal Financial Management Programme did not
make a statistical significant impact on the respondents knowledge level and attitudes
towards financial management. However, the qualitative comments made by respondents
described the Personal Financial Management Programme as a good intervention and that it
should be repeated and offered to a greater number of employees. The implications of the
study could be that employees would gain financial skills to help them manage their finances
better and therefore improve their work performance and reduce absenteeism as a result.<br>Mini Dissertation (MSW)--University of Pretoria, 2015.<br>Social Work and Criminology<br>MSW<br>Unrestricted
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Trávník, Vladimír. "Návrh vytvoření úspěšného obchodního týmu ve finančních službách." Master's thesis, Vysoké učení technické v Brně. Fakulta podnikatelská, 2014. http://www.nusl.cz/ntk/nusl-224365.
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The main goal of this thesis is to design concept of creating business team and increase motivation of each member of business team. The analysis of procedure of creating the business team will be used for accomplishment the research project. The motivation of the businessmen will be evaluated by the chosen criteria. Further will be designed the way of leading the business teams to better results. On the basis of the analasis will be processed strengths and weaknesses of the concept of creating each teams and will be designed the way, how will be better culture in the team, how can the team reach better results and how to more involve each businessman to the team goals.
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Motta, Iuday Gonçalves. "A educação a distância como ferramenta para abordar a gestão orçamentária e financeira da saúde." reponame:Biblioteca Digital de Teses e Dissertações da UFRGS, 2017. http://hdl.handle.net/10183/158623.
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A Educação a Distância (EaD) tem se transformado à medida que as tecnologias de informação e comunicação se desenvolvem e são incorporadas no ensino. Estimula uma aprendizagem interativa, em processo de consolidação e expansão. Neste contexto, este estudo objetiva apresentar uma proposta de curso na modalidade EaD com enfoque na gestão orçamentária e financeira dos recursos da saúde por meio de um termo de referência, documento que descreve elementos educacionais organizados em um quadro demonstrativo com itens justificados a partir do referencial teórico. Tal iniciativa considera a necessidade de preparar gestores/as e demais agentes para atuarem com segurança nos processos de tomada de decisão quanto à aplicação dos recursos financeiros destinados à saúde. Para tanto, foi desenvolvida pesquisa bibliográfica para a construção do referencial teórico, organizado em quatro eixos: (i) a contextualização da educação a distância, seus princípios e modelos; (ii) abordagens pedagógicas e sistemáticas de desenvolvimento; (iii) organização, avaliação e custeio; e, por fim, (iv) experiências em EaD voltadas a profissionais da saúde. Como resultado, o termo de referência, produto desta Dissertação, foi estruturado em cinco eixos: (i) técnicas a serem utilizadas; (ii) gestão e organização do curso; (iii) sistemáticas de desenvolvimento; (iv) conteúdos a serem desenvolvidos; e (v) instrumentos de avaliação. Por fim, optou-se por enfatizar no termo de referência conceitos e metodologias que apresentassem sentido prático e aplicabilidade para favorecer o aprendizado de profissionais da saúde. Além disso, a estrutura do produto poderá ser empregada em outros cursos a depender do projeto político-pedagógico delineado.<br>Distance Education (DE) has been transformed as information and communication technologies develop themselves and are incorporated into education. It stimulates an interactive learning, in the process of consolidation and expansion. In this context, this study aims to present a course proposal in the DE mode with a focus on the budgetary and financial management of health resources by means of a reference term, a document that describes educational elements organized in a demonstration frame with items justified from the theoretical referential. This initiative considers the need to prepare managers and other agents to act safely in the decision-making processes regarding the application of financial resources for health. For that, a bibliographical research was developed to construct the theoretical framework, organized in four axes: (i) the contextualization of distance education, its principles and models; (ii) pedagogical and systematic approaches to development; (iii) organization, evaluation and costing; And, finally, (iv) experiences in DE aimed at health professionals. As a result, the term of reference, the product of this Dissertation, was structured in five axes: (i) techniques to be used; (ii) management and organization of the course; (iii) development systematic; (iv) content to be developed; And (v) evaluation tools. Finally, it was decided to emphasize in the reference term concepts and methodologies that presented practical meaning and applicability to favor the learning of health professionals. In addition, the structure of the product can be used in other courses depending on the political-pedagogical project outlined.
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Lopes, Junior Derson da Silva. "N??vel de conhecimento financeiro dos jovens da gera????o y estudantes de um centro universit??rio na zona sul de S??o Paulo." FECAP - Faculdade Escola de Com??rcio ??lvares Penteado, 2014. http://132.0.0.61:8080/tede/handle/tede/381.
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Previous issue date: 2014-10-17<br>Studies and academic papers has been undertaken to assess the level of financial knowledge of various groups of the population and thereby analyze the ability of these groups to deal with the economic challenges. Among the classifications applicable to the company, the organization has for generations been used to study various behavioral natures. Millennium generation has been a representative and growing group in society and in the labor market due to its growth and peculiarities. This study aimed to analyze the level of financial knowledge to a random sample of young students from a university in the south zone of S??o Paulo. The application of questionnaires to 464 young people was used as a technique for data collection. The responses were analyzed using multivariate techniques and binary logistic regression about their performance and in relation to the variables of age, gender and stroke. After analysis and statistical treatments it was concluded that this group of young people has a low level of financial knowledge level achieved by 73.06 per cent of respondents. The results of this study may contribute to the financial and credit institutions, to shape the products and services offered to millennium generation; governments, demonstrating the need for teaching young people about financial matters; young people themselves that generation, warning them about the need to broaden its base of financial knowledge and for companies offering products and services for young people.<br>Estudos e trabalhos acad??micos tem sido empreendidos para avaliar o n??vel de conhecimento financeiro de variados nichos da popula????o e com isso analisar a capacidade desses grupos em lidar com os desafios econ??micos. Dentre as classifica????es aplicadas ?? sociedade, a organiza????o por gera????es tem sido utilizada para estudos v??rias naturezas comportamentais. A gera????o Y tem sido um grupo representativo e crescente na sociedade e no mercado de trabalho devido ao seu crescimento e peculiaridades. Este trabalho teve por objetivo analisar o n??vel de conhecimento financeiro de uma amostra aleat??ria de jovens estudantes de um centro universit??rio localizado na zona sul de S??o Paulo. Foi utilizada como t??cnica de levantamento de dados a aplica????o de question??rios a 464 jovens. As respostas obtidas foram analisadas atrav??s de t??cnicas multivariadas e regress??o log??stica bin??ria quanto ao seu desempenho e em rela????o ??s vari??veis faixa et??ria, g??nero e curso. Ap??s as an??lises e tratamentos estat??sticos concluiu-se que esse grupo de jovens possui baixo n??vel de conhecimento financeiro, n??vel alcan??ado por 73,06% dos respondentes. Os resultados deste trabalho poder??o contribuir para as institui????es financeiras e de cr??dito, para moldar os produtos e servi??os oferecidos ?? gera????o Y; os governos, demonstrando a necessidade de orienta????o dos jovens quanto a quest??es financeiras; os pr??prios jovens dessa gera????o, alertando-os quanto a necessidade de ampliar suas bases de conhecimento financeiro e para empresas que oferecem produtos e servi??os para os jovens.
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Iloabachie, Eric Ik. "Strategies to Minimize Direct Care Worker Shortages." ScholarWorks, 2018. https://scholarworks.waldenu.edu/dissertations/5204.
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There is a worldwide shortage of direct care workers who help older adults in their own homes. The purpose of this multiple case study was to explore strategies that owners of home health care businesses can use to retain adequate direct care workers for their businesses. Five home care agency owners from Wake County, North Carolina, participated. Each owner had successfully implemented strategies to ensure adequate caregivers to sustain the business. Human relations theory was used to address the business problem. Data collection involved interviewing the 5 owners of home care agency businesses in their offices. Through a process of methodological triangulation, observations and documentary evidence supplemented data collected through semistructured interviews. Deductive and inductive coding were used to arrange and identify 3 emergent themes: company reputation, training and career development, and the role of government. The results of this study may contribute to social change because home care agency owners and other business owners can use the findings to improve on their treatment of low income workers which may help eradicate discrimination to ethnic minorities.
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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 levels of personal financial management practiced by employees of NWK Limited, as well as to determine the need for guidance in this regard.
The following aspects of personal financial management are researched in chapter 2. These aspects were used to determine to what extent personal financial management was performed by having the study population anonymously complete a customized questionnaire. The following aspects were applied:
* Attitude towards money.
* Management style with regards to money.
* Time value of money.
* The financial plan.
* Investments.
The results of the study confirmed that there is a definite need for guidance with regard to personal financial management, especially under the younger employees as well as the personnel in the lower job levels of the company. Through the rendering of a tailored guidance programme, productivity as well as the quality of life, especially after retirement, could be improved significantly.<br>Thesis (M.B.A.)--North-West University, Potchefstroom Campus, 2011.
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Carreño, Morales Tino. "La gestión de festivales en tiempos de crisis: análisis de las estrategias financieras y laborales e impacto de la recesión económica." Doctoral thesis, Universitat de Barcelona, 2014. http://hdl.handle.net/10803/134819.
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La presente investigación tiene como finalidad el análisis de las principales estrategias que caracterizan la gestión de los festivales artísticos (artes escénicas, música y audiovisual) en un contexto de crisis económica y presupuestaria. A partir del contraste con la literatura teórica y comparada, y de la contextualización en el marco político y administrativo español, las hipótesis de la investigación se organizan alrededor de cuatro ejes: la caracterización tipológica de los modelos de gestión de los festivales, las estrategias de financiación, las estrategias de gestión de los recursos humanos y el impacto de la recesión durante el período 2008-2013. La corroboración de las mismas se realiza a partir de los datos obtenidos de tres trabajos de campo focalizados en dos territorios complementarios entre sí (el conjunto de España y Catalunya). El trabajo demuestra el carácter explicativo clave de la dependencia del organismo titular (correlacionado con el grado de financiación pública), el género artístico principal y el volumen total del presupuesto. Para comprender la mayoría de las estrategias adoptadas es necesario tener en cuenta el carácter intensivo, temporal e intermitente de los festivales hecho que explica tanto el potencial financiero como la particular gestión de sus recursos humanos. Finalmente, las bajas barreras de entrada y de salida de la industria de los eventos, revelan tanto la vulnerabilidad como la adaptabilidad y mutabilidad de los festivales en periodos de recesión económica.<br>This research aims to analyse the main strategies that characterize the artistic festivals management (performing arts and audio-visual) in a context of economic and budgetary crisis. In contrast with both theoretical and comparative literature, and the contextualization of the Spanish political and administrative framework, the research hypotheses are organized around four axes: typological characterization of festivals management models, financing strategies, human resources management strategies and the impact of the economic recession among 2008-2013. Three field works focused on two complementary areas (Spain and the region of Catalonia) were made in order to corroborate these hypotheses. The research proves the key role of three points to explain the festivals management models: the dependence to public, private and non-for-profit organizations of the ownership (correlated with the public funding degree), the main artistic style and the global volume of the budget. To understand most of the adopted strategies is pivotal to consider the intensive, temporary and intermittent nature of festivals. Consequently, this effect explains the financial and specific human resources management potentials. Finally, the low entry and exit market barriers to industry events reveal the vulnerability, adaptability, and mutability of festivals in periods of economic recession.
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Bubeníková, Edita. "Podnikatelský plán." Master's thesis, Vysoká škola ekonomická v Praze, 2011. http://www.nusl.cz/ntk/nusl-113077.
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This paper consists of theoretical and practical part. The first one is trying to clarify the basic terms of having a business and also reviews the terms of business plan in general. Regarding the plan, the paper is discussing various methods of strategic analysis, then describing basic marketing ideas and activities, and finally explaining terms of personal resources and work organization. This paper is also introducing the main facts about financial planning and resources including financial analysis with all possible methods and guidelines. Last but not least, the theory is dealing with risk management. The practical part shows particular business plan of an existing business unit - the group of sole traders Bušim. The plan is analyzing the past and current situation of businessmen group. The plan then gives some relevant recommendations for the future business development of the company on the basis of detected data.
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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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Fick, James Desmond. "Serving the base of the pyramid in South Africa : the case of the Mzansi basic bank account." Thesis, Stellenbosch : University of Stellenbosch, 2007. http://hdl.handle.net/10019.1/840.
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Thesis (MBA (Business Management))--University of Stellenbosch, 2007.<br>AFRIKAANSE OPSOMMING: Die Mzansi rekening, as Eerste Orde Nasionale rekening, is gesamentlik deur die “Groot 4”
banke geloods, spesifiek met die oog daarop om toegang tot groter finansiële dienste te
bewerkstellig in lyn met die Finansiële Dienste Handves. Hierdie navorsingsverslag ondersoek die
sukses van die Mzansi rekening in terme van die verbetering van toegang tot finansiële dienste
en die verwesinliking van Prahalad se visie van die Fortuin aan die onderkant van die piramide
of die sogenaamde Base of the Pyramid (BoP). Die studie is gedoen deur onderhoude te voer met
industrie-kenners wat nou betrokke was met die loods van die Mzansi rekening, asook deur ’n
oorsig te doen van ’n verslag van die onlangse kommisie van ondersoek oor kompetisie in die
bankwese in Suid Afrika.
Die Mzansi rekening is inderdaad suksesvol daarin om toegang tot finansiële dienste vir alle
Suid Afrikaners beskikbaar te maak, maar dit is steeds nie winsgewend vir die banke nie. Die
Mzansi rekening is dus nie in lyn met Prahalad se visie van die BoP nie.
Die winsgewendheid van die rekening in die toekoms hang af van die graad van aanvaarding van
armes van meer doeltreffende elektroniese transaksies. Tot op datum wil dit voorkom asof
Prahalad se gevoel dat die armes gevorderde tegnologie maklik aanvaar nie in die bank sektor in Suid Afrika geld nie.
’n Toenemende fokus op gebruik eerder as toegang en ’n beter belyning met Prahalad se twaalf
beginsels van innovasie by die BoP mag egter wel beter wins vir die banke inhou. Selfs al sou
winste nie materialiseer nie, is dit steeds voordelig vir banke wat bereid is om te eksperimenteer en te leer van die Mzansi ervaring. Die Mzansi rekening mag dalk die katalis wees vir nuwe en verbeterde produkte wat suksesvol sal wees in die BOP mark.<br>ENGLISH ABSTRACT: The Mzansi account, as a First Order National Bank Account, was jointly launched by the Big 4 Banks (ABSA, FNB, Nedbank and Standard Bank) specifically to increase access to financial
services in line with the requirements of the Financial Sector Charter (FSC). This study explores the success of the Mzansi account with regard to improving access to financial services and achieving Prahalad’s vision of a Fortune at the Bottom of the Pyramid (BoP). The study was
conducted by interviewing industry experts who were intimately involved in the launch of the
Mzansi account and reviewing the transcripts of the recent commission of enquiry into the
competition of banking in South Africa.
The Mzansi account has been successful in increasing financial access for all South Africans but
has not proved to be profitable for the banks. The Mzansi bank account therefore does not
support Prahalad’s vision that there is a fortune at the base of the pyramid.
The future profitability of the account is dependent on the acceptance of the poor of more
efficient electronic transacting. To date it would seem that Prahalad’s notion that the poor accept
advanced technology readily does not apply within the banking sector of South Africa.
An increased focus on usage as apposed to access and a better alignment to Prahalad’s twelve
principles of innovation at the BoP may well bring increased profits for the banks. Even if profits don’t materialise, for those banks willing to experiment and learn from the Mzansi experience.
The Mzansi account may well be a catalyst for new and/or improved products that will be
successful in the BoP market.
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SILVA, NETO Odilon Feitosa. "Alfabetiza????o financeira e sua influ??ncia nas decis??es de consumo de produtos financeiros." FECAP, 2015. http://tede.fecap.br:8080/jspui/handle/jspui/697.
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Previous issue date: 2015-04-24<br>The present research has sought to explain the context and usage of credit financial products in Brazil, considering the recent scenario of financial inclusion. Thus, the research has sought to verify the relation between the level of financial literacy of the individuals and the quality in decision making when consuming credit financial products. Also, the research discusses the relevant terms related to the theme and the main credit products recently offered by the financial institutions in the national market. Considering the focus of this research, the present work has allowed evaluation of the level of financial literacy of 317university students interviewed in a private university in the city of Sao Paulo regarding credit usage. Finally, the work proves that the higher the financial literacy level, the better the decision making in credit products consumption by the university students is, since they make choices that involve lower costs.<br>A presente pesquisa procurou explorar o contexto e utiliza????o de produtos financeiros de cr??dito no Brasil, considerando o recente cen??rio de inclus??o financeira. Assim, o estudo buscou verificar a rela????o entre o grau de alfabetiza????o financeira dos indiv??duos e a qualidade de suas decis??es ao consumir produtos financeiros de cr??dito. O estudo, ainda, discorre sobre os termos pertinentes ao tema e os principais produtos de cr??dito oferecidos atualmente pelas institui????es financeiras que atuam no mercado nacional. Levando-se em considera????o o objeto de pesquisa, o presente trabalho permitiu avaliar o grau de alfabetiza????o financeira de317 estudantes universit??rios entrevistados em uma universidade particular no centro da cidade de S??o Paulo no tocante ?? utiliza????o de produtos de cr??dito. Por fim, o trabalho comprova que quanto maior o n??vel de alfabetiza????o financeira, melhor s??o as tomadas de decis??o pelos universit??rios no consumo de produtos de cr??dito, uma vez que eles optam por opera????es de menor custo
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Hine, Patricia S., and James R. Jr Duke. "A handbook for the junior financial management subspecialist-in-training." Thesis, 1987. http://hdl.handle.net/10945/22821.
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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 encryption can protect the safety of users. Through experimental verification, this research can effectively to promote personal financial management, and effectively to manage personal privacy.
Key Words：radio frequency identification system、access database、financial management、Visual Basic。
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Crankshaw, Hugh. "Personal financial planning : strategies for successful practice management." Diss., 2007. http://hdl.handle.net/2263/23703.
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This research project identified principles of practice management as applied to the personal financial planning process. The purpose of this research was to establish principles that Financial Planners could use to improve service delivery to the individual. In broad terms this is known as practice management and this research attempted to develop a greater understanding of practice management and provide a basis for further research on the subject.To do this in a meaningful way the research had two structured phases. The first phase was a theoretical study that provided the basis for the design of a research instrument. The second phase was an empirical study that was done on the responses received on the research instrument to establish principles of practice management.The research successfully identified four components and twenty principles of practice management, as well as three demographic drivers of income and succeeded in meeting the research objectives.<br>Dissertation (MBA)--University of Pretoria, 2010.<br>Gordon Institute of Business Science (GIBS)<br>unrestricted
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Gatherum, Antone James. "Children's financial management competence : a gender specific socialization process /." 1993. http://hdl.handle.net/1957/10947.
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