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Journal articles on the topic 'Personal investments'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

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

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

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

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

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

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

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

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Faleye, Olubunmi, Tunde Kovacs, and Anand Venkateswaran. "Do Better-Connected CEOs Innovate More?" Journal of Financial and Quantitative Analysis 49, no. 5-6 (2014): 1201–25. http://dx.doi.org/10.1017/s0022109014000714.

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AbstractWe present evidence suggesting that chief executive officer (CEO) connections facilitate investments in corporate innovation. We find that firms with better-connected CEOs invest more in research and development and receive more and higher quality patents. Further tests suggest that this effect stems from two characteristics of personal networks that alleviate CEO risk aversion in investment decisions. First, personal connections increase the CEO’s access to relevant network information, which encourages innovation by helping to identify, evaluate, and exploit innovative ideas. Second,

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Molnar, G. T. "The Sources and Resources of Investment Activities of Personal Peasant Farms." Business Inform 12, no. 515 (2020): 173–77. http://dx.doi.org/10.32983/2222-4459-2020-12-173-177.

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The article analyzes the status of investment activity of personal peasant farms (PPFs). Investment is one of the most important factors in the development of the economy. Especially of great importance are investments aimed at the development of agricultural production, because on its development depend the development of all other sectors of the economy, accelerating the processes of reproduction and increasing its efficiency. It is proved that the investment activity of the PPFs is unsatisfactory, investment processes are insignificant, and the sources of allocation of resources are irratio

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

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

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

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

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

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

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10

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

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

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Rodríguez-Granados, Edder Jair, Guillermo Urriolagoitia-Sosa, Jacobo Martínez-Reyes, Beatriz Romero-Ángeles, Guillermo Manuel Urriolagoitia-Calderón, and Yonatan Yael Rojas-Castrejon. "PERSONAL FINANCE AND INVESTMENTS IN MEXICO." Journal of Engineering Research 4, no. 3 (2024): 2–9. http://dx.doi.org/10.22533/at.ed.3174324150110.

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

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

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Lisitsa, V. N. "Intellectual property rights in international and Russian investment law." Law Enforcement Review 8, no. 1 (2024): 140–47. http://dx.doi.org/10.52468/2542-1514.2024.8(1).140-147.

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The investment activity is diverse and can be carried out with the use of intellectual property rights in accordance with the current international and Russian investment law. The article aims to identify the specifics of the application of intellectual property rights as investments and the implementation of intellectual investments, i.e. investments endowed into intellectual property rights. The objectives of the study are to consider the categories of an investment and object of investment activity, intellectual property, exclusive and other intellectual rights, as well as to analyze and de

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

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

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Umair, Mahammed, and Ganapathi R. "Factors Affecting Investment Decisions, Information Search and Investment Decisions of Investors." Journal of Management and Entrepreneurship 19, no. 1 (2025): 38–51. https://doi.org/10.70906/20251901038051.

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Investors carry out an array of analyses and personal judgments on investments before making any decision relating to their investments and it is supplemented by decision and investment techniques and various factors including information on investment and the market influence decisions of individuals relating to their investments. The findings elucidate that overconfidence, economic expectation and risk tolerance have influenced the investment decision of investors significantly and positively, whilst, conservatism has influenced the investment decision of investors significantly and negative

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Mazzoccoli, Alessandro. "Optimal Cyber Security Investment in a Mixed Risk Management Framework: Examining the Role of Cyber Insurance and Expenditure Analysis." Risks 11, no. 9 (2023): 154. http://dx.doi.org/10.3390/risks11090154.

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Cyber security importance has escalated globally, driven by its pivotal role in shaping daily life, encompassing both personal and non-personal aspects. Cyber security breach probability functions play a crucial role in comprehending how cyber security investments affect vulnerability to cyber attacks. These functions employ mathematical models to guide decision making in cyber risk management. Thus, studying and improving them is useful in this context. In particular, using these models, this article explores the effectiveness of an integrated risk management strategy that merges insurance an

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

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

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18

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

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

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19

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

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

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20

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

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

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Uygun, Uğur. "Effects of Foreign Direct Investment Inflows to Economic Growth: a Case of Turkey." Revista de Gestão Social e Ambiental 18, no. 10 (2024): e08449. http://dx.doi.org/10.24857/rgsa.v18n10-068.

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Objective: The purpose of this study is to investigate the effects of Tax Competition for Turkey, as well as the aspects of basic taxes like Personal Income Tax and Corporation Tax and evaluate the results. In this context, the impact of foreign direct investments on economic growth in Turkey is investigated. Theoretical Framework: Theoretically, it is accepted that foreign direct investment will positively affect economic growth. This study investigates the practical implications of this theory for Turkey. Method: International Comparative Analysis and various tables and graphics were used in

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22

Van Der Linde, Chris. "TAFE Diploma Graduates: Personal Capital Investments and Returns." International Journal of Training Research 6, no. 2 (2008): 54–74. http://dx.doi.org/10.5172/ijtr.6.2.54.

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23

Muir, Dana M. "Matching Preferences and Access: Sustainable Investing in 401(k) Plans." Indiana Law Review 57, no. 1 (2023): 53–95. http://dx.doi.org/10.18060/27644.

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The vast majority of 401(k) plan participants want access to investments that match their personal values, yet a small fraction of plans offer those types of investments. The culprit for the existing misalignment has been unstable regulation, which has discouraged plan fiduciaries from including some categories of investments, such as sustainable investments, on 401(k) plan menus. In late 2022, the Department of Labor issued guidance that for the first time explicitly states that fiduciaries do not violate their duty of loyalty by considering participant preferences when making investment-rela

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Sindhu, Y. Rama Krishna, and Adavelli Sagar Reddy. "Understanding the Relationship Between Investors’ Personal Attributes and Investment Perceptions Towards Mutual Fund Investments." Indian Journal of Finance 11, no. 2 (2017): 23. http://dx.doi.org/10.17010/ijf/2017/v11i2/110231.

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

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

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

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

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

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

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

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

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

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

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

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

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Sharma, Renuka, Kiran Mehta, and Vishal Vyas. "Responsible Investing: A Study on Non-Economic Goals and Investors’ Characteristics." Applied Finance Letters 9, SI (2020): 63–78. http://dx.doi.org/10.24135/afl.v9i2.245.

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The notion of rational investment is not attuned with the idea of socially responsible investment. Incongruence with conventional investments, the SRI/sustainable investment/ethical investment is pertained to ethical, environmental and social criteria (Eccles and Viviers,2011). All investors are not single-minded for an objective of wealth creation. The welfare of society and the environment are among the other drivers of investment. In certain cases, investors do prefer sustainable development to personal financial aspects (Beal et al., 2005). The present study has primarily focused on assess

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

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

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Podukhovich, Dmitry. "Determinants of CEO Investment Horizon. A Literature Review." Journal of Corporate Finance Research / Корпоративные Финансы | ISSN: 2073-0438 17, no. 2 (2023): 95–109. http://dx.doi.org/10.17323/j.jcfr.2073-0438.17.2.2023.95-109.

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This paper conducts a comprehensive literature review of the factors influencing the emergence of the CEO investment horizon problem – a preference for short-term investments over long-term ones. The root cause of this CEO issue, as in-dicated in existing literature, is often attributed to the CEO's personal risk attitude, shaped by factors like age, tenure, and cultural background.Numerous sources contributing to the short-term investment problem in public companies are described in the current academic literature. Prominent among these determinants are the challenges of quarterly reporting,

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Ivy, Julia. "Making Your Consulting Case as a Tool for Employability Investments." International Journal of Business and Management Research 12, no. 1 (2024): 1–7. http://dx.doi.org/10.37391/ijbmr.120101.

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This empirical paper conceptualizes and categorizes students' perception of the value of their Making Your Consulting Case (MYCC), the experiential learning initiative applied for eleven years within twelve graduate and undergraduate programs. The study finds that participants perceived the MYCC experience as a multilevel investment in their human capital and employability, with the investments categorized as follows: investment in personal capital of elucidating students' professional core, in social capital of developing trust within an industry, in professional capital of generating value,

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

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

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Prakoso, Bagas Adi, and Tegar Satya Putra. "Personal Values as a Proponent of Intention for Socially Responsible Investment." KINERJA 29, no. 1 (2025): 134–47. https://doi.org/10.24002/kinerja.v29i1.10649.

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Historically, investors have only viewed investments conventionally without looking at their behaviors. The intention formed by an individual will occur through attitude. As in the investment world, investors will intend to invest when there is a drive. The encouragement is formed through the values held by the investor. The evolution of the investment world makes investors not only see an investment conventionally, namely by looking at profit and loss, but also in terms of investors' financial behavior. Therefore, this study will explore the relationship between collectivism, materialism, and

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

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

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

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

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Crepax, Rosa. "Digital Fashion Engagement Through Affect, Personal Investments and Remix." Australian Feminist Studies 33, no. 98 (2018): 461–80. http://dx.doi.org/10.1080/08164649.2019.1567252.

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

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

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DUBEY, PRIYANSHU. "Fintrack (Personal Finance Tracker)." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem34937.

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Fintrack is a comprehensive personal finance tracker designed to empower people to take control of their financial well-being. This summary provides an overview of Fintrack's main functions, features and potential impact on personal financial management. Fintrack provides its users with a centralized platform to track and manage their finances easily and efficiently. The platform allows users to add their financial accounts, including bank accounts, credit cards, loans and investments, providing a holistic view of their financial situation. With Fintrack, users can easily categorize transactio

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Grigoryev, L. M., Z. S. Elkina, P. A. Mednikova, D. A. Serova, M. F. Starodubtseva, and E. S. Filippova. "The perfect storm of personal consumption." Voprosy Ekonomiki, no. 10 (October 11, 2021): 27–50. http://dx.doi.org/10.32609/0042-8736-2021-10-27-50.

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The COVID-19 pandemic forced the governments of almost all countries to introduce lockdowns in 2020, which sharply reduced the supply in a number of large service sectors: transport, recreation, catering, tourism. The recession began without a crisis, and the unique supply of cheap money and fiscal incentives prevented the development of a “liquidity crunch”. On the contrary, it led to an increase in stock prices, real estate prices, and a reduction in bankruptcies. There was no drop in the value of pension and investment funds. The working population has faced a reduction in employment in lab

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Song, Ziyan, Ahmad Ridhuwan Abdullah, Siti Salwani Abdullah, and Nur Farahiah Azmi. "THE IMPACT OF AFFECTIVE EMPATHY ON ESG INVESTMENT DECISION-MAKING." International Journal of Education, Psychology and Counseling 10, no. 57 (2025): 357–65. https://doi.org/10.35631/ijepc.1057022.

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This study examines the two dimensions of emotional empathy, namely empathic concern and personal distress, and their impact on Environmental, Social, and Governance (ESG) investment decisions. The findings indicate that empathy, as a focused emotional response, enhances investors' sense of social responsibility and encourages them to prioritize ESG projects that generate social and environmental value. It also strengthens the long-term perspective and fosters a willingness to cooperate, thereby providing crucial support for sustainable investment. Personal distress, as a self-centered emotion

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

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

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

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

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

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

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Cho, Jungeun, and Haeyoung Ryu. "Impact of Managerial Ownership on Corporate Social Responsibility in Korea." Sustainability 14, no. 9 (2022): 5347. http://dx.doi.org/10.3390/su14095347.

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A firm’s corporate social responsibility (CSR) record improves its image and that of its managers. This ultimately can positively affect enterprise value. However, CSR investments do not necessarily lead to better firm performance, as long-term costs are incurred. Therefore, managers often make CSR investment choices based on personal incentives. This study analyzed the relationship between managerial ownership and CSR activities in Korean public companies based on different managerial CSR incentives and ownership levels. Using the Korean Economic Justice Institute’s CSR index, the results sho

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

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

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Onufrienko, K. V. "International Investment Disputes Resolution in the EAEU when Changing the Investor’s Personal Law." Actual Problems of Russian Law 19, no. 4 (2024): 163–77. http://dx.doi.org/10.17803/1994-1471.2024.161.4.163-177.

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The paper identifies regulatory gaps in the Treaty on the Eurasian Economic Union in relation to the status of an investor when changing their personal law after making investments. There are also gaps in the procedural mechanism for organizing and conducting conciliation procedures in accordance with the above agreement on the initiative of an individual — the applicant whose legal interests were violated. Based on the results of a study carried out from the perspective of comparative law and a formal-dogmatic approach, the author proposes solutions to improve the international legal regulati

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Ali, Majid. "THE ROLE OF FOREIGN INVESTMENT ON ECONOMIC GROWTH OF PAKISTAN: AN EMPIRICAL ANALYSIS FOR THE PERIOD OF 1976 – 2016." Pakistan Journal of Humanities and Social Sciences Research 1, no. 2 (2018): 57–65. http://dx.doi.org/10.37605/pjhssr.1.2.5.

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The paper aims to examine empirically the nexus between foreign direct investment, domestic investments and economic growth in Pakistan by using time series data. An OLS technique is used to analyze the relationship between FDI, Public & Private investment, Personal remittances with gross domestic products panning from 1976-2016. For a data to be stationary, ADF test has been used and validated that all variables are stationary at level. Results of the study shows that both public and private sector investment are positively related with GDP but Public sector investment have an insignifica

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