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Journal articles on the topic 'Saving of financial resources of NZ'

Author: Grafiati
Published: 28 May 2022
Last updated: 30 July 2025

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1

Forrest, Rachel, Leena Awawdeh, Maria Pearson, and Natalie Waran. "Pet Ownership in Aotearoa New Zealand: A National Survey of Cat and Dog Owner Practices." Animals 13, no. 4 (2023): 631. http://dx.doi.org/10.3390/ani13040631.

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This study used an online survey distributed between January and March 2019 to adults residing in Aotearoa New Zealand (NZ) to investigate cat and dog owner practices. Of the 2385 respondents, 885 (37%) owned both cat/s and dog/s, while 652 (28%) and 609 (26%) owned cat/s only or dog/s only, respectively. Nine percent of respondents (n = 212) did not own a cat or dog when the survey was administered. Gaps were identified in the practices of NZ pet owners with regard to regular grooming, immunizations, and deworming treatments. It was also found that many pets, especially cats, were allowed to
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2

Suryathi, Wayan, Andes Goutama, and Lioni Indrayani. "Unlocking Financial Prosperity: The Power of Strategic Saving Habits." Journal of Economic, Bussines and Accounting (COSTING) 7, no. 4 (2024): 8967–72. http://dx.doi.org/10.31539/costing.v7i4.10804.

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This research investigates the intricate interplay between strategic saving habits, income level, financial planning, and financial prosperity among customers at KEB Hana Bank Bali. Utilizing a quantitative approach with 80 randomly sampled bank customers, the study employs path analysis and Smart PLS to analyze the direct and indirect effects of these variables. The findings reveal a significant positive association between strategic saving habits and financial prosperity, mediated by financial planning, highlighting the importance of disciplined saving behaviors and professional financial gu
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3

Khan, Ashfaque H. "Financial Repression , Financial Development and Structure of Savings in Pakistan." Pakistan Development Review 27, no. 4II (1988): 701–13. http://dx.doi.org/10.30541/v27i4iipp.701-713.

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The mobilization of domestic resources is one of the key determinants of sustained economic growth. Improving domestic resource mobilization involves raising the level of national savings to enable a higher level of investment, hence a faster rate of economic growth. Pakistan's saving performance and its overall economic performance appear to be incongruous. Over the past several years, Pakistan has maintained an economic growth of more than 6 percent which is laudable, but her performance with regard to savings has been poor. In fact, saving as a fraction of the Gross National Product (GNP) i
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4

Dilli Ram Bhandari and Dhruba Prasad Subedi. "Financial Literacy and Entrepreneurial Intention among Nepali Business Students: The Mediating Role of Saving Behavior." Pravaha 30, no. 1 (2024): 132–42. https://doi.org/10.3126/pravaha.v30i1.76900.

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Financial literacy is essential for enabling individuals to make sound financial decisions, manage their resources wisely, and secure long-term financial well-being. In the context of entrepreneurship, financial literacy, combined with saving behavior, is a key driver in shaping entrepreneurial intention by providing individuals with the knowledge and discipline necessary to confidently start and sustain business ventures. This study explores the impact of financial literacy on entrepreneurial intention among business students in Nepal, with a special emphasis on the mediating role of saving b
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Pasuhuk, Pinkan Mariskania. "CONTRIBUTION OF FINANCIAL DEPTH AND FINANCIAL ACCESS TO POVERTY REDUCTION IN INDONESIA." Buletin Ekonomi Moneter dan Perbankan 21, no. 1 (2018): 95–122. http://dx.doi.org/10.21098/bemp.v21i1.892.

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This research attempts to analyze possible relationship between financial depth and financial access indicators with poverty in Indonesia. Financial depth indicators include the ratio of saving over gross domestic regional products and the ratio of credit over gross domestic regional products. Financial access indicators include the number of banks and number of cooperatives, while poverty is measured by poverty headcount ratio. This research is utilizing panel provincial level data in Indonesia consisting of 33 provinces for the period of 2007 to 2015 using OLS estimation with fixed and rando
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6

Kiss, Judit. "Who Finances Whom?" Afrika Tanulmányok / Hungarian Journal of African Studies 16, no. 1 (2022): 38–56. http://dx.doi.org/10.15170/at.2022.16.1.3.

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In contrast to the highly developed countries and some developing regions, Africa highly depends on external resources of financing development. According to the saving-investment gap concept, there is a significant gap between savings and investment rates. As domestic resources are limited and their mobilization is slow, the region should rely on external sources of finance (i.e., aid, export revenues, FDI, loans, and remittances) in order to close the finance gap. Despite the massive inflow of external resources, the 200 billion USD yearly financing gap still prevails. The outflow of financi
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7

Kosov, Michael E., Dmitriy O. Sergeev, and Igor O. Sergeev. "SAVING BEHAVIOR OF CITIZENS IN MODERN ECONOMIC CONDITIONS." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 6/6, no. 147 (2024): 120–27. http://dx.doi.org/10.36871/ek.up.p.r.2024.06.06.018.

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The article presents an analysis of the current state of citizens’ savings behavior and the specifics of its implementation against the background of negative trends occurring in the economic sphere. The actions of state authorities are aimed at creating optimal living conditions for society, despite the pressure on the Russian economy from Western countries in the context of tightening relations and the introduction of sanctions measures. The identified aspects show that for Russian citizens, in the current geopolitical and economic conditions, a vector of savings formation is being acquired,
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8

Alshubiri, Faris. "THE EFFECT OF SAVING AND CAPITAL EXPANSION ON FINANCIAL AND TECHNOLOGICAL DEVELOPMENT IN GCC COUNTRIES." Technological and Economic Development of Economy 28, no. 1 (2021): 1–25. http://dx.doi.org/10.3846/tede.2021.15769.

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This study examined the effect of the relationship between saving and capital expansion on financial and technological development in three GCC countries using panel data from 1990 to 2019. The study used panel least squares, feasible general least squares, dynamic ordinary least squares and fully modified ordinary least squares used in the study. The findings showed that there was a significant positive long-run relationship between capital expansion and financial development and was a positive and insignificant long-run relationship between saving and financial development. Conversely, the s
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9

Nicolussi-Köhler, Stephan. "Credit for the Poor, Investments for the Rich? Different Strategies for Investing and Saving Money in Medieval Tirol." Jahrbuch für Wirtschaftsgeschichte / Economic History Yearbook 66, no. 1 (2025): 93–130. https://doi.org/10.1515/jbwg-2025-0005.

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Abstract This paper provides an overview of the various financial resources that existed in medieval Tirol to meet financial needs, using notary registers and court records from the 14th century as sources. These provide ample evidence of an active capital and land market in rural areas, which offered various ways of saving and investing money. Saving and investment behaviour was crucial for coping with external adversities such as harvest failure, but also with life events (marriage, bringing up children, retirement), and households sought to manage these risks. The results show that the poor
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10

Hanusych, Veronika. "Natural Capital Disclosure for Integrated Reporting." Oblik i finansi, no. 1(99) (2023): 26–30. http://dx.doi.org/10.33146/2307-9878-2023-1(99)-26-30.

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The concept of integrated reporting assumes that the value of the enterprise and its future development is determined not only by financial but also by human, intellectual, social, and natural capital. Traditional financial indicators are not enough to fully assess the company's investment attractiveness and sustainable development. The article aims to structure financial and non-financial information about natural capital, which can be disclosed in integrated reports to obtain future economic and social effects. Natural capital is the used natural resources and ecosystem services that support
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11

Doda, Sanie, and Shkelqim Fortuzi. "The Impact of Saving in Personal Finance." European Journal of Economics and Business Studies 2, no. 1 (2015): 108. http://dx.doi.org/10.26417/ejes.v2i1.p108-112.

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Personal finance shows how we manage of our financial resources. Represents our willingness about money and in general money management our economic and financial. This means you need to decide by yourself for your money, to have success. Savings for each case helps us to overcome such crisis in our lives. Saving helps us to overcome significant problems in our lives. To manage our income means to start a journey towards financial freedom. This does not necessarily mean having a luxurious life, but to adopt effective measures of achieving a certain comfort efficient management of money for eac
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Ifah Masrifah, Dewi Tri Mulyaningsih, Anugerah Putri Widyastuti, et al. "Sosialisasi Tentang Mengenalkan Pengelolaan Keuangan pada Anak Usia Dini di Panti Asuhan Dompet Yatim dan Dhuafa Jati Asih Bekasi." Jurnal Informasi Pengabdian Masyarakat 3, no. 1 (2025): 43–50. https://doi.org/10.47861/jipm-nalanda.v3i1.1508.

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Important Educational Activities for financial management in the form of saving from an Early Age aim to explain and offer an understanding of achieving goals while educating participants about the meaning of saving as financial management for Islamic boarding school children and the value of introducing money. From an early age, it is important to assess the knowledge, understanding, and thought processes of Islamic boarding school children about the importance of saving and living frugally. Thus, they want to better understand and equip themselves to be more disciplined in managing and contr
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Chanda, Natasha, and Kabubi M. "Analyzing Effects of Household Demographic Conditions on Savings: A Case Study of Lusaka." International Journal of Advanced Multidisciplinary Research and Studies 5, no. 2 (2025): 1429–37. https://doi.org/10.62225/2583049x.2025.5.2.3999.

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The ability of households to save plays a crucial role in promoting financial stability and long-term economic well-being. However, various factors influence saving behaviors, and household demographic conditions are among the most significant. In urban areas like Lusaka, where economic pressures and cost of living challenges are prevalent, understanding how demographic variables such as family size, age, income levels, dependency ratios, and education affect saving patterns is essential for devising effective financial policies. This study aimed at analyzing the effects of household demograph
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14

Khan, Saleem M. "Domestic Resource Mobilisation: A Structural Approacb." Pakistan Development Review 32, no. 4II (1993): 1067–78. http://dx.doi.org/10.30541/v32i4iipp.1067-1078.

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The Mobilisation of domestic resources and their efficient utilisation are two of the most crucial tasks in revitalising the economy of Pakistan. Historically, low saving fotmation and relatively higher targets of investment and economic growth made it imperative to depend on external resources. Despite heavy domestic borrowing from both private and public sectors, there still has remained an unmet resource gap that has necessitated dependence on foreign capital. I In recent years, the sources of foreign assistance have become scarce due to a growing shortage in world saving and growing domest
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15

Mauldin, Teresa A., Robin Henager, Cathy Faulcon Bowen, and Michael Cheang. "Barriers and Facilitators to Saving Behavior in Low- to Moderate-Income Households." Journal of Financial Counseling and Planning 27, no. 2 (2016): 231–51. http://dx.doi.org/10.1891/1052-3073.27.2.231.

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The purpose of this study was to identify barriers and facilitators of saving behavior in low- to moderate-income households within a framework of predisposing, enabling, and reinforcing factors. Data used were from a U.S. Department of Agriculture/National Institute for Food and Agriculture–sponsored multistate project. With a sample of 757 low- to moderate-income households and hierarchical logistic regression, results indicated that enabling factors and reinforcing factors reduced the significance of predisposing factors such as household income and financial knowledge on the likelihood to
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16

Sadiq, Saghir Ahmed, and Sarah Winsloe. "Value for money of reusable versus disposable ophthalmic instruments for intravitreal injections." New Zealand Medical Journal 137, no. 1600 (2024): 62–65. http://dx.doi.org/10.26635/6965.6557.

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aim: The aim of this study was to follow the instruments’ pathways and cost each segment to calculate whether reusable or disposable ophthalmic instruments offer better value for money for intravitreal injections. methods: The cycles and costs of reusable and single-use disposable instruments used for intravitreal injections were mapped out, including purchase costs, transport to and from the place of use, opening and disposal, sterilisation, replacement, salary costs of staff involved, etc. results: The cost of using reusable instruments for intravitreal injections (NZ$29.00) was lower than t
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Golovko, Sergey Vladimirovich, and Sergey Vladimirovich Kononenko. "Problems of designing stand-alone power supply systems using renewable energy sources." Vestnik of Astrakhan State Technical University 2021, no. 2 (2021): 30–34. http://dx.doi.org/10.24143/1812-9498-2021-2-30-34.

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The paper considers the problems of designing autonomous power supply systems using the renewable energy resources. The efficiency of using energy resources in conditions of growing prices for electricity brings significant saving of both energy and financial factors. The analyses show that the main losses of energy resources are the result of inefficient use, distribution and consumption of electrical energy. There has been stated one of the most important problems of energy saving: many existing consumers are located at a significant distance from centralized power supply systems. Today conn
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18

Alqudah, Hamzah E., Mani Poshdar, Luqman Oyekunle Oyewobi, James Olabode Bamidele Rotimi, and John Tookey. "Sustaining Construction Organisations in NZ: A Linear Regression Model Approach to Analysing Determinants of Their Performance." Sustainability 15, no. 5 (2023): 4143. http://dx.doi.org/10.3390/su15054143.

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The characteristics, strategies, capabilities, and resources of an organisation contribute to its competitive advantage and superior performance. A model to explain performance differences in the New Zealand context will be developed by examining the relationships between construction organisational performance and these constructs. The information was obtained using a questionnaire survey. A total of 101 organisations participated in the research. For the instrument used to elicit data, the literature was used to identify indicators associated with characteristics of organisational strategies
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19

Okuna, Victor, Alfred Acanga, and David Mwesigwa. "The Role of Community Saving Initiatives in Poverty Reduction: An Appraisal of Saving Groups in Alebtong District, Mid-North Uganda." International Journal of Poverty, Investment and Development 3, no. 1 (2023): 41–59. http://dx.doi.org/10.47941/ijpid.1341.

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Purpose: This study examined the significance of saving groups on poverty reduction in Alebtong district. Three objectives guided the study, viz. (i) to determine the effect of shares provided by saving groups towards community development in Amugu sub-county; (ii) to assess the implication of saving groups towards poverty reduction in Amugu sub-county; and (iii) to discuss the challenges faced by saving groups in Amugu sub-county.
 Methodology: The study employed a cross-sectional research design and data was collected using a structured questionnaire. Data was analysed in terms of descr
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20

Chelliah, Preyangka, Arunagiri Shanmugam, and Tan Suang Sin. "A Study on The Factors Impacting Retirement Planning Among Low-Income Workers in The Northern Region, Malaysia." Journal of Entrepreneurship and Business 10, no. 2 (2022): 69–84. http://dx.doi.org/10.17687/jeb.v10i2.928.

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 Since the world's ageing population is expanding quickly, retirement planning has been identified as one of the top concerns of all nations. As a developing country, Malaysia has also been touched by this issue. Particularly, retirement planning among low income earners is frequently contested because of a lack of available financial resources among them. Therefore, this study aims to investigates the factors influencing the retirement planning among low income workers at the Northern Region, Malaysia. This study anticipated that saving attitude, financial socialisation, financial liter
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21

Kiaritha, Hannah. "The Effect of Saving Culture on the Financial Performance of Savings and Credit Co­operatives in the Banking Sector in Kenya." Africa Journal of Technical and Vocational Education and Training 6, no. 1 (2025): 110–20. https://doi.org/10.69641/afritvet.2021.61127.

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Saving is an important factor in economic development as it enables the conversion of resources into capital which is in tum invested to enhance the growth of organizations, individuals and the country at large. Co-operatives provide an important framework for mobilization of capital resources. The tendency to save is closely associated to culture. This study sought to establish the influence of saving culture on the financial performance of savings and credit co-operatives (SACCOs) in the banking sector in Kenya. This study adopted a descriptive and quantitative research design. The target po
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Bongalonta, Michael B., Michelle M. Bongalonta, and Santos E. Gigantoca. "The Traditional Way of Saving Money Versus the Modern Style of Invest-ment: The Financial Management Styles of Sorsogon State University (Sor-su) Bulan Campus Faculty Members." International Journal of Multidisciplinary: Applied Business and Education Research 5, no. 8 (2024): 3367–89. http://dx.doi.org/10.11594/ijmaber.05.08.32.

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This research was conducted to identify the practices employed by the SorSU Faculty members towards saving money as well as discover the problems encountered by them in handling their finances. A total of 40 faculty members of Sorsogon State University Bulan Campus participated in this study. The mixed designed was used in this research which employed survey and focus group discussions. This study concludes that the faculty members of SorSU Bulan Campus adopt both the traditional way of saving money and the modern style of investment as modes of saving their finances which include budgeting, j
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Karsh, Sharif M. Abu. "Business Education: Key for Achieving Financial Inclusion in Palestine." Journal of Economics and Public Finance 6, no. 2 (2020): p141. http://dx.doi.org/10.22158/jepf.v6n2p141.

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Financial education is the process of building knowledge, skills and attitudes to become financially literate. It is meant to educate people on good money management practices with respect to earning, spending, saving, borrowing, and investing. Financial education is meant to enable people to shift from reactive to proactive decision-making and work towards fulfilling their financial goals. By broadening people’s understanding of financial options and principles, financial education builds skills to use financial products and services, and promotes attitudes and behaviors that support more eff
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Taylor, Alan M. "External Dependence, Demographic Burdens, and Argentine Economic Decline After the Belle Époque." Journal of Economic History 52, no. 4 (1992): 907–36. http://dx.doi.org/10.1017/s0022050700011955.

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Once one of the richest countries in the world, Argentina has been in relative economic decline for most of the twentieth century. The quantitative records of income growth and accumulation date the onset of the retardation to around the time of the Great War, and patterns of aggregate saving and foreign borrowing show that scarcity of investable resources significantly frustrated interwar development. A demographic model of national saving demonstrates that the burdens of rapid population growth and substantial immigration depressed Argentine saving, contributing significantly to the demise o
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Akhtar, Sajjad, and Sajid Manzoor. "The Demand for Financial Assets in Pakistan." Pakistan Development Review 33, no. 2 (1994): 135–46. http://dx.doi.org/10.30541/v33i2pp.135-146.

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In recent years Pakistan has moved to liberalise its financial and capital markets. Consequently the reforms will place heavy demand on the instruments of monetary policy to regulate the working of financial markets. Interest rate policy as a component of monetary policy not only determines the allocation of resources between assets but also within each class of assets. Given the scant research on intra-asset response to intertemporal interest rate movements, the present paper fills the gap by studying the determinants of financial assets and quantifies intra-asset substitutability within a sy
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Kumar, Nishant. "Comprehensive Financial Planning and Tax-Saving Techniques for Salaried Employees." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 03 (2025): 1–9. https://doi.org/10.55041/ijsrem42748.

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Savings play a crucial role in the economy of any nation. Investing those savings in appropriate financial instruments ensures capital appreciation and financial security. An investment refers to the allocation of resources in anticipation of future returns. Individuals today have a vast spectrum of investment options, though awareness about newer investment avenues such as virtual real estate and hedge funds remains limited. Many salaried individuals prefer traditional investment tools like fixed deposits, mutual funds, and stock markets but often perceive them as high-risk ventures. This stu
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Poletaev, Ilʹya Yurʹevich. "Saving energy resources: limiting consumption or energy efficiency?" NEWS of the Ural State Mining University 4 (December 15, 2022): 133–38. http://dx.doi.org/10.21440/2307-2091-2022-4-133-138.

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The relevance of the research is due to the need to improve measures to reduce the energy intensity of the world economy in the context of the exacerbation of the global energy crisis. The problem of saving all types of energy and the efficiency of using fossil fuels in the current situation for most countries of the world is a key one. The purpose of this research is to determine the promising actions of the Russian Federation to reduce the energy intensity of the state economy. The main research method is the analysis of the list of steps taken by the countries of the European Union in the f
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Frank, Daniel, Rupesh Roshan Singh, and Vidya Bai G. "Relevance of Employee Saving Attitude Towards Retirement Planning and Satisfaction." International Journal of Professional Business Review 8, no. 5 (2023): e01290. http://dx.doi.org/10.26668/businessreview/2023.v8i5.1290.

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Purpose: To study the relevance of employee saving attitude towards retirement planning and satisfaction. Theoretical framework: The study discusses various variables associated with financial planning for retirement. It discusses the connection between financial knowledge among the people especially with retirement. It put forth the consequences and importance of financial literacy. It also examined the factors playing a vital role when the people are educated on financial planning. Design/methodology/approach: The survey approach is used for primary data collection from 200 hundred responden
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Mamadalieva N.A. "Resource saving - the basis of economic growth." International Journal on Integrated Education 3, no. 9 (2020): 208–10. http://dx.doi.org/10.31149/ijie.v3i9.621.

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In conditions of a high level of industrialization of the economy, the production process is accompanied by the consumption of a significant amount of resources. Due to the fact that material costs account for more than half of production costs, a decrease in the latter is the most important qualitative indicator of economic development. Saving raw materials, materials, fuel, energy helps to reduce the cost of production and the need for capital investments, the introduction of scientific and technological advances, the establishment of new balance relations and economic balance, an increase i
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Sanyenge, Daniel Samwel. "Challenges Faced by Women in Using Borrowing Loans." Indiana Journal of Economics and Business Management 4, no. 2 (2024): 17–21. https://doi.org/10.5281/zenodo.10884527.

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Community saving and credit groups assist women in growing businesses in the development and increase of the business especially women who live in rural areas. This study aimed to assess women's challenges in using borrowing loans in the Magu District in Tanzania. The data was collected through using a descriptive survey design that falls into the Quantitative and qualitative research approach. The population of the study was 123 representing respondents from each community saving and credit group. The study shows that various challenges facing women in the uses of borrowing loans from communi
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Prokhorova, V. V., O. Yu Yemelyanov, O. Ya Koleshchuk, and K. I. Petrushka. "Tools for assessing obstacles in implementation of energy saving measures by enterprises." Naukovyi Visnyk Natsionalnoho Hirnychoho Universytetu, no. 1 (February 28, 2023): 160–68. http://dx.doi.org/10.33271/nvngu/2023-1/160.

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Purpose. To create methodological tools for assessing obstacles to implementation of energy saving measures by enterprises. Methodology. In the course of the research the following methods were used: economic-mathematical modeling (substantiation of parameters of preferential crediting of energy-saving projects of enterprises on the basis of building models of repayment of loans and obtaining financial and economic results from these projects), classification and generalization (when grouping obstacles to reduction of consumption of non-renewable energy resources), system analysis (in the deve
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Sajeev, Sarija, and Indhu L. "SAVINGS AND THRIFT AMONG WORKING WOMEN IN KERALA: A STUDY WITH REFERENCE TO KOLLAM DISTRICT." INTERNATIONAL JOURNAL OF ADVANCED RESEARCH IN COMMERCE, MANAGEMENT & SOCIAL SCIENCE 07, no. 03(II) (2024): 132–40. http://dx.doi.org/10.62823/ijarcmss/7.3(ii).6906.

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Women are getting empowerment through literacy and employment. The biggest motivation of the working women is needing the sheer economic necessary with growing rate of inflation. To help the family by adding some meager resources women are working, which facilitate to meet the financial needs and reduces the financial stress. But it is the best aid only to solve the temporary problems. Women are aware of financial services offered by both governments are private financial institutions to save their hard-earned income. This paper is attempted to study the constraints faced toward saving by peop
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Saad, Asni Binti Mat, Gavin Jonathan, Aza Azlina Md Kassim, and Maryam Yousefi Nejad. "Money Management Behavior among Adults in Indonesia." Information Management and Business Review 15, no. 4(SI)I (2023): 146–54. http://dx.doi.org/10.22610/imbr.v15i4(si)i.3586.

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Money management refers to the process of managing one's financial resources effectively to maintain a stable financial position. This study was conducted to determine the factors that influence money management behavior. Questionnaires are distributed among adults in Indonesia and analyzed by using IBM SPSS software. The result found that financial literacy, financial behavior, social media, parental education, and spiritual intelligence have a significant and positive influence on money management behavior. Clear insight into the importance of saving can lead to better money management behav
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Jakupi, Shefket Zeqir, and Besart Hajrizi. "Personal Finances’ Planning and Management as means for a Successful Family Life." International Journal of Management Excellence 10, no. 1 (2017): 1235–40. http://dx.doi.org/10.17722/ijme.v10i1.951.

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 Studying personal finances helps avoiding financial difficulties and the use of financial opportunities to provide a chance for a successful family life. Personal finance is based on studying the financial resources of the family, which are considered important in the pursuit of financial success, that is, how people spend, save, protect and invest their money in everyday life. Personal finance is linked to these key concepts: financial responsibility, financial success and financial satisfaction, addressed in four key issues namely: Saving, Borrowing, Insurance and Investing.&#
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Priyanka Jain, Vipin Kumar. "Investor’s Financial Education in Terms of Literacy and Financial Awareness Essential." Communications on Applied Nonlinear Analysis 32, no. 9s (2025): 2982–92. https://doi.org/10.52783/cana.v32.4596.

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Investor financial education plays a crucial role in shaping an individual's financial literacy and awareness, which are essential for making informed and effective investment decisions. Financial literacy encompasses the understanding of financial concepts such as budgeting, saving, investing, and managing risks, while financial awareness involves staying updated on market trends, investment options, and the economic environment. This paper explores the significance of fostering financial literacy and awareness among investors, emphasizing how well-informed investors are better equipped to na
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Yevtushenko, Yurii V. "The Current Approaches to the Management of Financial Resources of Housing Construction in Ukraine." PROBLEMS OF ECONOMY 2, no. 56 (2023): 198–203. http://dx.doi.org/10.32983/2222-0712-2023-2-198-203.

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The purpose of this article is to study the role of the financial resources management process in ensuring the efficiency of functioning of economic entities of housing construction. The author substantiates the leading role of housing construction in meeting the primary needs of society and forming the key prerequisites for the development of the national economy. The existing approaches to the management of financial resources in modern conditions are generalized, which allowed to emphasize the need to apply a system-synergistic approach in the process of managing financial resources by econ
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Kuzin, A. A., A. S. Korostelev, and K. A. Balyuk. "Import substitution of software as a way to reduce enterprise costs." Upravlenie kachestvom (Quality management), no. 4 (March 18, 2024): 23–26. http://dx.doi.org/10.33920/pro-01-2404-04.

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The article describes the experience of developing the only Russian configurator for calculating well parameters and selecting a set of equipment for oil production. Its advantages compared to its foreign counterpart are listed, such as saving the customer’s financial and time resources, optimizing processes in the company and independence from external suppliers.
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Dr., Riazuddin Ahmed. "A Marketing of Innovative E-Financial Services with Reference to SBI and ICICI Bank." International Journal of Innovative Science and Research Technology 7, no. 12 (2023): 1921–31. https://doi.org/10.5281/zenodo.7547456.

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Electronic Financial services is consists of the financial market such as Bank ,Non banking financial Institutions, etc. and theses e-Financial Institution transfer the fianancials services from saving to investments. These Services rendered by the Financials institutions are called as Financial Services. Median defines financial services activities. This e-financials sector has been growing in term of number and quality financial of services. After the liberalization of Indian Economy in 1990s, the number of financial services is increasing day by day. New trends and Innovative financial Serv
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Liu, Qiang, Jun Wang, and Ning Zu. "Based on the Interconnection of Gas Monitoring System Research and Design." Advanced Materials Research 482-484 (February 2012): 633–36. http://dx.doi.org/10.4028/www.scientific.net/amr.482-484.633.

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This paper mainly introduced the GPRS wireless data transmission technology constitutes a new type of gas monitoring system, which is suitable for modern intelligent residential family user gas monitoring, the gas leakage and abnormal gas monitoring and alarm control, but also for the gas company to provide reading, saving a lot of manpower, material and financial resources.
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Smirnova, Veronika R., Dmitry I. Kokurin, Sergey V. Chernyavskiy, and Dmitry V. Vеtchinnikov. "Resource conservation as the basis for the formation of Russia’s innovation infrastructure." Vestnik Tomskogo gosudarstvennogo universiteta. Ekonomika, no. 60 (2022): 302–14. http://dx.doi.org/10.17223/19988648/60/18.

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Innovative infrastructure plays a supporting role, serving the country’s economy, facilitating the transfer of technology, the transformation of knowledge into new market-demanded goods and services. Creating an innovative infrastructure is a long process that requires large financial, human, and other resources. The article analyzes the problems associated with the formation and development of innovative infrastructure in the context of resource conservation. An approach is proposed that allows the use of resource-saving mechanisms in the formation of innovation infrastructure. An algorithm f
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Hertati, Lesi, Winwin Yadiati, Asmawati Asharie, and Agustina Heriyati. "Pelatihan Aplikasi Laporan Keuangan atas Standar Akuntansi PSAK 1 Pada BUMDes Guna Mencapai Tujuan Berkelanjutan SDGis." Jurnal Abdimas Ekonomi dan Bisnis 4, no. 2 (2024): 119–29. https://doi.org/10.31294/abdiekbis.v4i2.3404.

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The aim of PKM training is to implement applications to support the achievement of Sustainable Development Goals (SDGs) in BUMDes. The presentation of financial reports to BUMDes by Indo Global Mandiri University lecturers involved three (3) lecturers and four (4) students so that students could put into practice the theories they had gained from studying in the industrial world. The results of PKM activities are so that BUMDes can make financial reports guided by PSAK 1, namely transparent and accurate, for stakeholders to understand the use and management of resources better. This applicatio
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Poltorak, Anastasiia, Inna Baryshevska, and Olha Melnyk. "Mechanism of Guaranteeing Financial Security of Households." Accounting and Finance, no. 3(89) (2020): 66–70. http://dx.doi.org/10.33146/2307-9878-2020-3(89)-66-70.

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Transformation processes in the financial sector of Ukraine are an objective reality of nowadays, associated with new challenges, and threats. The most vulnerable to such changes are households that are directly involved in such economic processes as the production of goods, redistribution of resources, consumption of goods produced. The purpose of the article is to increase insight into the theoretical foundations of the formation of a mechanism for guaranteeing the financial security of households. It is substantiated that the mechanism of guaranteeing the financial security of households is
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Samoilyk, Iuliia, Serhii Yanechko, Serhii Rabchuk, and Oleksandr Shchur. "Implementation of energy-saving projects within the framework of the energy mana-gement strategy at budget facilities." Ukrainian Journal of Applied Economics and Technology 8, no. 3 (2023): 355–59. http://dx.doi.org/10.36887/2415-8453-2023-3-55.

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The article is devoted to the issues of implementing energy-saving projects within the framework of the energy management strategy at the objects of the budget sphere. Based on the research, it was proposed to arrange the adaptation tools for managing energy-saving projects. The purpose of the study was to study the implementation of energy-saving projects within the framework of the energy management strategy at the objects of the budget sphere. Effective energy management system implementation considers not only material and financial resources but also human resources and previous experienc
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Pulka, Ch, and Yu Dzyadykevych. "Organisational-economic mechanism of energy-saving at the enterprises." Galic'kij ekonomičnij visnik 67, no. 6 (2020): 40–49. http://dx.doi.org/10.33108/galicianvisnyk_tntu2020.06.040.

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The essence of the organizational-economic mechanism formation at the enterprises and its treatment are investigated. It is determined, that at present the unified scientific approach to the treatment of the notion «economic mechanism» and «organizational-economic mechanism» is not available. Being based on the analyses of the literature devoted to the problem of investigation the essence of the organizational economic mechanism of energy-saving, the statement of the notion of the organizational-economic mechanism of energy-saving has been proposed. It includes the system of interconnected eco
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A. Bulan, Karen Christine, and Romel C. Nemino. "The Interplay of Behavioral Intention on the Relationship between Self-Control and Saving Behavior among MSME Business Owners." International Journal of Management Studies and Social Science Research 07, no. 02 (2025): 139–51. https://doi.org/10.56293/ijmsssr.2025.5518.

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Understanding savings in a developing nation is of utmost importance in order to acquire investment capital and facilitate the allocation of funds for economic expansion. In the Philippines, a country that frequently faces economic issues that put a strain on financial resources, conserving money becomes crucial as a protective measure during lean times. This research aims to identify how self-control affects saving behavior of micro, small, and medium enterprise business owners. Further, it seeks to examine how behavioral intention influences the link between self-control and saving behavior.
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Orlova, Svetlana A., Natalya A. Dumnova, and Elena I. Minakova. "Assessment of the Impact of Entrepreneurial Activity Type on the Enterprise Fixed Assets." Science Outpost 18, no. 2 (2024): 31–35. https://doi.org/10.22394/sp242.05.

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One of the most significant and important resources of any enterprise today is its fixed assets. It is the efficiency of the use of fixed assets that should contribute to improvement of technical, economic and financial performance of the enterprise, its investment attractiveness in the economic market, as well as output increase and its possible cost saving and profit growth.
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Cui, De Qin. "Extend Building Life and Promote Building Energy Efficiency." Advanced Materials Research 1073-1076 (December 2014): 1239–43. http://dx.doi.org/10.4028/www.scientific.net/amr.1073-1076.1239.

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Building "short-lived" phenomenon is very common in China. It is extremely wasteful for a developing country with limited resources and financial resources (per capita). Any green low carbon, energy saving and environmental protection without building safety would like water without a source, and a tree without roots. Extending the building life, based on Chinese current situation, mainly starts out here from two aspects of new buildings and the existing buildings, and need strengthen government regulation. Fundamentally extend building life and promote building energy efficiency.
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Asfaw, Dagmawe Menelek, Atinkugn Assefa Belete, Abibual Getachew Nigatu, and Getnet Mamo Habtie. "Status and determinants of saving behavior and intensity in pastoral and agro-pastoral communities of Afar regional state, Ethiopia." PLOS ONE 18, no. 2 (2023): e0281629. http://dx.doi.org/10.1371/journal.pone.0281629.

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Saving is a crucial tool for enhancing the livelihoods of pastoral and agro-pastoral communities, but due to a number of factors, its status and intensity are still in their infancy. Because of this, the current state of saving practices, their causes, and the size of pastoral and agro-pastoral communities are all examined in this study. A multi-stage sampling process was used to determine the 600 typical selected households. In order to assess the data, a double hurdle model was used. From the descriptive analysis result, only 35% of pastoral and agro-pastoral groups were savers. In compariso
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Kotak, Kashish. "A Study on Financial Literacy on Investment Among Genz with Special Reference to Anand." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 05 (2025): 1–9. https://doi.org/10.55041/ijsrem47168.

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ABSTRACT: This study investigates Gen Z's financial literacy in the Anand district and how it influences their choice of investments. It evaluates their understanding of risk assessment, saving, budgeting, and investment options such as stocks and mutual funds through surveys. The results show that although many people understand the fundamentals of finance, they lack in-depth understanding of investments. Social media and digital platforms have a big impact on their decisions, but they still struggle with a lack of financial education and direction. To help Gen Z make wise investment choices,
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Pyrih, Halyna, Vasyl Fayfura, and Andrii Кrupka. "MECHANISM OF FINANCING ENERGY EFFECTIVE MEASURES IN CONDITIONS OF SUSTAINABLE DEVELOPMENT OF SOCIETY." Economic Analysis, no. 28(3) (2018): 71–77. http://dx.doi.org/10.35774/econa2018.03.071.

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The article offers a brief analysis of the mechanism of financial provision of energy saving measures. Particular attention is paid to the financing mechanism of projects, which relate to energy efficiency using credit resources provided by banks. The sources and mechanisms of financing energy efficiency measures in Ukraine are considered. In particular those are budget, bank loans, own funds of enterprises and population. Scientific and methodological and practical works are analysed. The main ways of energy saving research are defined. The directions of ensuring the energy security of Ukrain
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