Dissertations / Theses: 'Finance, Personal'

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Palicová, Helena. "Osobní a rodinné finance - finance vysokoškolského studenta." Master's thesis, Vysoká škola ekonomická v Praze, 2014. http://www.nusl.cz/ntk/nusl-193972.

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In this thesis, Personal and family finances, subtitled Finances of university student. It is discussed on the way to a happier life through management of personal finances. Just as it is necessary to control corporate finance, it is necessary everyone managed own personal finances. It is indicated as appropriate to tackle your finances,what to focus on, and it's practically demonstrated on the example of a university student. There are analyzed his goals and needs, then it is outlined possible solutions to his finances.

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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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Peng, Tzu-Chin Martina. "Evaluating mandated personal finance education in high schools." Columbus, Ohio : Ohio State University, 2008. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1199290276.

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Franklin, Deanna. "Teacher involvement in implementing state personal finance mandates." Thesis, Indiana State University, 2015. http://pqdtopen.proquest.com/#viewpdf?dispub=3717347.

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This study examined strategies teachers are implementing for personal finance instruction in answer to the state financial-literacy mandates in Central Texas. One-on-one interviews, focus groups, and document analysis found that teachers are relying on personal experience, community resources, and Internet resources to instruct in personal finance in absence of personal finance curricula. No data emerged that school districts were providing resources; however, administrators are willing to provide resources if they were available. Teachers are using a variety of creative methods to enhance personal financial literacy in the classroom. Sporadic in-service/professional-development opportunities were available to train teachers in personal financial-literacy instruction; however, many teachers opted not to participate in those events, selecting to depend on their own personal experiences as background. Data from this study also found that there was no evidence of teachers being involved in the curriculum-change process for personal financial-literacy education.

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Redhead, K. J. "Development of personal finance as an academic discipline." Thesis, Coventry University, 2011. http://curve.coventry.ac.uk/open/items/b959f53e-da33-4c25-b119-7afb544e69a0/1.

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Personal finance is developing as an academic discipline, but has some way to go before it is generally accepted as such. The thesis reviews five contributions, from other authors, to the development of personal finance as an academic discipline (dating between 2002 and 2008). Those contributions emphasise the need for a generally agreed body of theory for an academic discipline of personal finance. My publications, in particular Personal Finance and Investments: A Behavioural Finance Perspective, have sought to establish a body of theory and knowledge for an academic discipline of personal finance. That body of theory and knowledge is multidisciplinary, and much broader than the bodies of theory suggested by the five previous contributions. It is also much broader, and based more on academic research, than the curricula of professional bodies such as the Chartered Insurance Institute (which reflects the curriculum set out by the Financial Services Authority) for the training of financial advisers. The greater breadth is illustrated by means of comparisons of threshold concepts covered by my publications with those covered by the previous five contributions, and by professional training programmes. Consideration of the objectives and processes of personal financial advice suggests that an academic curriculum should be more multidisciplinary than the existing curricula of professional bodies. In particular the curriculum should include behavioural and relationship dimensions. It is suggested that attention to the psychology of clients should be included in the education and training of financial advisers. This could take the form of using behavioural finance to gain insights into how clients might perceive financial products and services. Some of my publications being considered here (those published in the Journal of Financial Planning and the Journal of Financial Service Professionals) provide behavioural finance perspectives on client perceptions of financial products and financial advice (and their providers). Incorporation of behavioural dimensions 6 into the education and training of financial advisers would help to develop a subjectivist1 dimension to their analyses of client financial problems. Existing professional training programmes focus on objectivist2 factors such as portfolio management and regulatory issues. There is a need to incorporate a subjectivist, client focused, dimension. Behavioural perspectives on financial products, financial advice, and the providers of financial services are not my only contribution through the medium of refereed academic journals. Another aspect of the proposed curriculum has been addressed through that medium, namely time diversification. Time diversification, that leads to the relative risk of stocks declining as the investment horizon extends, was shown to be dependent on the rate of investment growth and the level of stock return volatility. The approach entailed computer simulation based on the Black-Scholes option pricing model. Implications for personal financial advice, and for behavioural perspectives, were drawn.

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Muqtadir, Abdul. "Real-time finance management system." CSUSB ScholarWorks, 2006. https://scholarworks.lib.csusb.edu/etd-project/2992.

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Discusses the development of a real-time finance management system (RFMS) computer application. RFMS lets users learn about and manage their personal finances and stock portfolio. Finances can be managed using management tools and calculators. The program uses a Java/XML based approach where real-time market data from different stock exchanges is fetched and displayed for the user. Stock performance can then be graphed.

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Khatami, Seyed Hossein. "Three essays on empirical corporate finance." Thesis, University of Manchester, 2016. https://www.research.manchester.ac.uk/portal/en/theses/three-essays-on-empirical-corporate-finance(0dcfd1eb-a875-4730-ba1a-369e52d290b5).html.

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This thesis investigates three topics in empirical corporate finance. In the first essay, the focus is on the role of financial constraints in the market for corporate control. In the second and third essays, we explore the effect of personal connections at board and executive levels on corporate credit rating and initial public offering (IPO) underpricing respectively. In the first essay, using a large sample of US acquisitions made between 1985 and 2013, we study the effect of financial constraints on acquisition gains and acquisition likelihood. Our findings show that financial constraints of target companies significantly increase acquisition premiums and abnormal returns for both parties. Our results further show that the presence of financial constraints in the target is one of the most important determinants of a takeover bid. This supports the idea that acquisitions may improve the ability of financially constrained companies to access capital through a better reallocation of resources within segments of the same company (e.g., internal capital market) or through better access to external markets. This would eventually benefit bidders too, as new capital would be invested in valuable growth opportunities that otherwise would expire unexercised. In the second essay, using a large sample of US public debt issues we show that personal connections between directors of issuing companies and rating agencies result in higher credit ratings. We estimate the average effect to be about one notch. The results are robust to several alternative tests including additional controls for managerial traits, placebo tests and propensity score matching. Moreover, our tests on default rates and bond yields do not appear to reflect a favourable treatment by the rating agency. Rather, they suggest that personal connections act as a mechanism to reduce asymmetric information between the rating agency and the issuer. In the final essay, using a large sample of IPOs in the U.S. we show that interpersonal connections between directors and top executives in issuers and underwriting banks result in significantly lower levels of IPO underpricing. We also examine the issuers' long-term stock returns following their IPOs. Our results indicate that the connected companies' long-term returns are not significantly different from the non-connected companies. This suggests that underwriters set lower levels of underpricing for the connected companies not to treat them favourably, but due to better flow of and stronger reliance on soft information and lower risk exposure.

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Neuburg, Lisa. "Personal financial literacy of students in the Colfax School District." Menomonie, WI : University of Wisconsin--Stout, 2007. http://www.uwstout.edu/lib/thesis/2007/2007neuburgl.pdf.

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Moss, John Gordon Robert. "Personal financial planning advice : barriers to access." Thesis, University of Birmingham, 2015. http://etheses.bham.ac.uk//id/eprint/6016/.

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With the move towards a society where responsibility has been placed upon the individual to make financial provision for future events, comes the need for individuals to be able to interact with the financial services sector and make informed decisions regarding their financial choices. This research focuses on the barriers that influence why and how consumers access advice from Regulated Financial Advisers. Three key variables are highlighted by this research that each affect the consumer’s ability to access regulated financial advice; Firstly, knowledge, where sub-themes relating to need, knowledge of services and ‘finding an adviser’ were identified. These highlighted the concept of advice not generally being the ‘subjective norm’. Secondly, trust, where the concepts of ‘general trust’ and ‘individual trust’ emerged along with the issues surrounding consumers’ abilities to apply ‘critical trust’. Thirdly, affordability and cost, which includes the consumer’s appreciation of the value of advice. Finally, this research asks whether consumers are overwhelmed by the extent of the provision they need to make to shape their financial future. It therefore begs the question as to whether the degree to which the welfare state has already been rolled back has resulted in financial planning issues beyond the capabilities of most consumers.

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DeGrazier, Anthony Michael. "A study of the meaning of I Timothy 5:8A." Theological Research Exchange Network (TREN), 1985. http://www.tren.com.

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Caine, Boni. "Too risky not to know the personal financial education of our high school students /." Online version, 2004. http://www.uwstout.edu/lib/thesis/2004/2004caineb.pdf.

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Wills, Lester Anthony. "Personal financial preparation for retirement." Thesis, Electronic version, 2006. http://hdl.handle.net/1959.14/352.

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Thesis (PhD)--Macquarie University (Macquarie Graduate School of Management), 2006.
Bibliography: p. 242-259.
The research objective of this study is to investigate the relationship between an individual's involvement and their behaviour to prepare financially for retirement. More particularly, to determine if there is a significant positive relationship between involvement and their financial preparation for retirement, to establish whether the influence of involvement is moderated by an individual's age, income or gender, their level of education or the number of dependents they support, and to explore the role of involvement in how and why individuals form opinions about financial preparation for retirement.
Mode of access: World Wide Web.
xiv, 259 p

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Lucht, Tracy L. "Sylvia Porter gender, ambition, and personal finance journalism, 1935-1975 /." College Park, Md.: University of Maryland, 2007. http://hdl.handle.net/1903/7617.

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Thesis (Ph. D.) -- University of Maryland, College Park, 2007.
Thesis research directed by: Phillip Merrill College of Journalism. Title from t.p. of PDF. Includes bibliographical references. Published by UMI Dissertation Services, Ann Arbor, Mich. Also available in paper.

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Hagemeier, Nicholas E. "Cents Making: Improving Student Pharmacists’ Personal Finance Skills and Behaviors." Digital Commons @ East Tennessee State University, 2015. https://dc.etsu.edu/etsu-works/1425.

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II. Electing to Change the Profession: Educating to Influence Change Interested in influencing change? Instructors are often creative in the selection of topics, educational methodologies and technology about how to influence change. This session will focus on creative approaches or subjects that educate about how to influence change in schools and in practice. Facilitators at each roundtable will describe how they try to influence change and the lessons learned from their experiences. Learning Objectives: 1. Discuss how to use students to change practitioners and practice.2. Develop ideas for implementing change for use upon return to institution.3. Identify new ways to implement change in practice.

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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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Bruce, Ben A. "Increasing financial stewardship in the Church of Christ /." Lynchburg, Va. : Liberty University, 2007. http://digitalcommons.liberty.edu.

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Jin, Fangyi. "Essays in life-cycle finance : understanding personal investment and consumption choices /." Konstanz, 2008. http://opac.nebis.ch/cgi-bin/showAbstract.pl?sys=000256257.

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Hagemeier, Nicholas E., Tandy Branham, and Nasar Ansari. "Personal Finance Beliefs and Behaviors: A Longitudinal Analysis of Pharmacy Graduates." Digital Commons @ East Tennessee State University, 2016. https://dc.etsu.edu/etsu-works/1443.

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Objectives: 1) Describe personal finance (PF) perceptions of the East Tennessee State University (ETSU) Gatton College of Pharmacy Class of 2014 upon and 1-year post-graduation; 2) Examine the association between PF elective course completion during pharmacy school and post-graduation PF behaviors. Method: Students enrolled in the ETSU Class of 2014 completed a self-administered questionnaire that assessed student characteristics (e.g, participation in a PF elective during school), PF characteristics (e.g., student loan indebtedness), perceptions (e.g., confidence in ability to manage PF), and behaviors (e.g., monthly budgeting) one week prior to graduation and 18 months post-graduation. Paired and independent samples statistical analyses were conducted to examine changes in responses over time and PF course participation. Results: Sixty percent of the cohort completed both questionnaires. Students reported an average student loan debt balance of $155,571 (±$83,853) 18 months post-graduation and average loan term length of 17.3 (±8) years. Students’ concerns about their student loan debt were significantly higher prior to graduation as compared to 18 months post (p=0.01). No significant differences were noted for student loan debt amount or student loan term length across PF elective participation. Students who took the personal finance elective were significantly more likely to develop monthly budgets (p=0.01) and report positive career satisfaction as compared to students who did not (p=0.04) 18 months post-graduation. Implications: To our knowledge, this is the first study to track PF perceptions and behaviors of pharmacy graduates longitudinally. Continued tracking and analysis will inform PF curricular integration and alumni personal and professional development.

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Georgarakos, Dimitris Z. "An empirical study of UK households' portfolio decisions." Thesis, University of Essex, 2003. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.252269.

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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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Bidewell, John William. "Decision making in personal investment." Thesis, The University of Sydney, 2003. http://hdl.handle.net/2123/517.

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Personal investors must postpone gratification and manage risk. This thesis examines the effects of delay and risk on personal investment decisions. The delay discounting literature is employed in developing a new parameter �ki� which integrates an investment�s term and interest rate with the hyperbolic delay discounting model. By indicating the extent to which compound interest growth compensates for hyperbolic delay discounting, ki should strongly predict the subjective appeal of prospective investment returns. Six binary-choice experiments test this hypothesis, especially via a subsidiary hypothesis that exponential growth from compound interest will eventually compensate for delay, given a sufficient term. Analyses include a novel application of signal detection principles, which found ki a superior predictor of investment appraisals compared to the normative exponential delay discounting model. Subject to boundary conditions of term and investment amount, results support the predictive capacity of ki for gross returns, implying a hitherto unrecognised degree of predictability for investment decisions. To investigate perceptions of risk with delay, three additional experiments compared preferences among hypothetical investments with varying risk and term. Risk seeking and risk aversion were detected, consistent with individual differences in hyperbolic probability discounting rates. Excessive risk aversion proved the greater problem, encouraging unnecessarily conservative investment decisions. Unexpectedly, no evidence of delay discounted risk was found. Responses consistent with higher probability discounting of larger amounts occurred, but only for a longer rather than a shorter investment term. A survey of postgraduate finance students examined how investment past performance is interpreted. Participants evaluated annual returns from hypothetical 10-year investments that varied in their mean return, volatility, and sequence of high and low returns. Evaluations generally reflected underlying investment properties. Maladaptive appraisal tendencies included unwarranted attention to the order in which high and low returns occurred within a series. Overall for this dissertation, results suggest that delay and probability discounting theory has practical relevance for understanding personal investment decisions. The principles and methodology in this dissertation are applicable to other varieties of financial and consumer behaviour.

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Bidewell, John William. "Decision making in personal investment." University of Sydney. Psychology, 2003. http://hdl.handle.net/2123/517.

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Personal investors must postpone gratification and manage risk. This thesis examines the effects of delay and risk on personal investment decisions. The delay discounting literature is employed in developing a new parameter �ki� which integrates an investment�s term and interest rate with the hyperbolic delay discounting model. By indicating the extent to which compound interest growth compensates for hyperbolic delay discounting, ki should strongly predict the subjective appeal of prospective investment returns. Six binary-choice experiments test this hypothesis, especially via a subsidiary hypothesis that exponential growth from compound interest will eventually compensate for delay, given a sufficient term. Analyses include a novel application of signal detection principles, which found ki a superior predictor of investment appraisals compared to the normative exponential delay discounting model. Subject to boundary conditions of term and investment amount, results support the predictive capacity of ki for gross returns, implying a hitherto unrecognised degree of predictability for investment decisions. To investigate perceptions of risk with delay, three additional experiments compared preferences among hypothetical investments with varying risk and term. Risk seeking and risk aversion were detected, consistent with individual differences in hyperbolic probability discounting rates. Excessive risk aversion proved the greater problem, encouraging unnecessarily conservative investment decisions. Unexpectedly, no evidence of delay discounted risk was found. Responses consistent with higher probability discounting of larger amounts occurred, but only for a longer rather than a shorter investment term. A survey of postgraduate finance students examined how investment past performance is interpreted. Participants evaluated annual returns from hypothetical 10-year investments that varied in their mean return, volatility, and sequence of high and low returns. Evaluations generally reflected underlying investment properties. Maladaptive appraisal tendencies included unwarranted attention to the order in which high and low returns occurred within a series. Overall for this dissertation, results suggest that delay and probability discounting theory has practical relevance for understanding personal investment decisions. The principles and methodology in this dissertation are applicable to other varieties of financial and consumer behaviour.

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Yang, Yue. "Facilitating Game-Based Design in Personal Finance : The Design Process and Framework of Gamification Design in Personal Saving." Thesis, KTH, Skolan för elektroteknik och datavetenskap (EECS), 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-272128.

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Personal financial health determines the majority of daily decisions, but managing it could be uninspiring, stressful and at times hard to insist, which is especially challenging for those without professional financial knowledge and chrematistic habits. Gamification is introduced as the approach to simplify the financial terminology and employs game design elements to impel the users to engage more efforts into managing personal finance. This study aims at applying a participatory design approach to gamify a financial saving service, employed with design activities including an online survey, interviews, ideation workshops, prototyping and usability tests in the research process. The findings exposed the current primary pain points in personal savings including nebulous or evening missing of the saving goals, deficient in saving knowledge and lack of social information, which guided the three gamification settings and interactive gamified systems. The gamification design guidance in personal saving was proposed in two facets, where the gamification design process was concluded as finding the triggers, defining the target users, proposing gamification settings, gamifying interactive systems and evaluating the prototype, the gamification design framework was generalized in four gamification settings and user types. The results would guide the design process and streamline the future gamification design work in the personal financial domain, which would attach the efficiency and integration to the application of gamification in personal saving.
Personlig ekonomi påverkar de flesta daglig beslut som man gör, men det kan vara svårt att sköta sin personliga ekonomi, särskilt för dem som inte har någon kunskap om hur man förvaltar sin ekonomi. Vi prövade gamifiering som ett verktyg för att hjälpa användaren att förstå och hantera sin ekonomi, men framförallt för att öka lusten att hantera sin ekonomi. I projektet använde vi deltagande design för att utveckla tillämpningen för sparande, vilket inkluderar design aktivtiter, en onlineundersökning, intervjuer, idéskapande workshops, samt utveckling av prototyper. Resultaten visar att det finns problem med personliga besparingar vilka inkluderar brist på besparingsmål, relevant ekonomisk kunskap samt brist på sociala processer som kan stödja användaren. Det vi fann bidrog till konstruktionen och design av gamifieringen i tillämpningen. Baserat på designarbetet tog vi fram ett ramverk för gamifiering. Ramverkt ger vägledning för gamifiering av tillämpningar för att hantera personlig ekonomi, förenklar design processen, vilket i sin tur gör att vi kan bli effektivare i hur vi använder gamifiering inom området.

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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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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.
Department of Educational Leadership

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Prompalit, Rux. "Student personal finance and government student loans : a case study of Thailand /." view abstract or download file of text, 2003. http://wwwlib.umi.com/cr/uoregon/fullcit?p3095272.

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Thesis (Ph. D.)--University of Oregon, 2003.
Typescript. Includes vita and abstract. Includes bibliographical references (leaves 185-194). Also available for download via the World Wide Web; free to University of Oregon users.

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Thornley, Marc. "How New Zealand's non-mortgage, individual and household debt has grown since the 1990's looking at the demographic factors behind the debt and how it compares to other OECD countries : a dissertation project submitted to AUT University in partial fulfilment of the degree of Master of Social Policy , 2008 /." Click here to access this resource online, 2008. http://hdl.handle.net/10292/670.

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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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Vodolánová, Romana. "Osobní a rodinné finance - investiční příležitosti v ČR." Master's thesis, Vysoká škola ekonomická v Praze, 2009. http://www.nusl.cz/ntk/nusl-11005.

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This thesis tries to explore the current situation on the Czech market in terms of options and opportunities for saving and investing for the small investor. It summarizes the basic methods and rules of investing and financial planning. Identifies and describes the investment instruments available on the Czech market.

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Tschache, Candice Arrington. "Importance of financial literacy and financial literacy content in curriculum." Thesis, Montana State University, 2009. http://etd.lib.montana.edu/etd/2009/tschache/TschacheC0809.pdf.

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Teachers, administrators, parents, business owners, and community members need to know the importance and value of a Personal Finance class. In this study, a two page survey was given to teachers, administrators, parents, business owners, and community members to determine the importance they placed on financial literacy curriculum and what content they think should be included in a financial literacy curriculum at Bozeman High School. The results of this survey showed that most participants of the survey thought financial literacy was important and that financial literacy curriculum was also important. The conclusions of this study were that financial education is beneficial and that the concepts taught in that type of curriculum were valued.

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Knutson, Leah B. "Financial knowledge a literature review examining financial knowledge among male and female high school students /." Menomonie, WI : University of Wisconsin--Stout, 2007. http://www.uwstout.edu/lib/thesis/2007/2007knutsonl.pdf.

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Effa, Marvin James. "A project to help believers at Bethany Bible Church grow in their understanding of biblical finances through the study of the New Testament and Proverbs." Theological Research Exchange Network (TREN), 2005. http://www.tren.com.

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Varma, Abhishek. "Individual investing in the familiar and the unfamiliar." Pullman, Wash. : Washington State University, 2009. http://www.dissertations.wsu.edu/Dissertations/Spring2009/A_Varma_041709.pdf.

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Hagemeier, Nicholas E., Chad K. Gentry, Debbie C. Byrd, Leonard B. Cross, Daniel Rose, Nasar Ansari, Pooja Subedi, and Tandy Branham. "Student Pharmacists’ Personal Finance Perceptions, Projected Indebtedness upon Graduation, and Career Decision-Making." Digital Commons @ East Tennessee State University, 2017. https://dc.etsu.edu/etsu-works/1484.

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Objectives: To evaluate the extent to which students’ personal finance perceptions, projected student loan indebtedness, and demographic characteristics predict post-PharmD career intentions. Methods: Students at three pharmacy colleges completed a 31-item survey instrument that assessed personal finance perceptions, self-efficacy beliefs, anticipated student loan debt upon graduation, postgraduate intentions, anticipated practice setting upon graduation, and demographic characteristics. Logistic regression models were used to examine the extent to which personal finance perceptions, student loan indebtedness, and demographic characteristics predicted postgraduate intentions and anticipated practice setting. Results: A total of 763 usable responses were obtained (response rate=90.3%). Students reported an anticipated personal student loan debt mean at graduation of $162,747±87,093 and an estimated 7.4±5.8 years to pay off non-mortgage debt post-graduation. Fifty-three percent of students reported planning to practice in a community pharmacy setting post-graduation, and 54% indicated intentions to enter practice directly. Student loan indebtedness was not a significant predictor of planning to pursue postgraduate training. There was a significant association between debt influence and pressure perceptions and pursuance of postgraduate training (aOR=0.78;p=0.009). The odds of indicating hospital (vs. chain community) pharmacy as the anticipated setting decreased 36% with every 1-point increase in debt influence and pressure perceptions (aOR=0.64;p<0.001 Conclusions: Perceived debt pressure and influence predicted intention to enter practice directly (vs. pursuing postgraduate training) and selection of chain community pharmacy (vs. hospital pharmacy). Student loan indebtedness was not a significant predictor of postgraduate training intentions. Interventions that equip students to manage pressure associated with student loan debt should be explored.

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Hagemeier, Nicholas E., Chad Gentry, Leonard B. Cross, Daniel L. Rose, Gentry E. Miller, and Chelsea E. Phillips. "Student Pharmacists’ Personal Finance Perceptions, Projected Student Loan Indebtedness, and Career Decision Making." Digital Commons @ East Tennessee State University, 2014. https://dc.etsu.edu/etsu-works/1456.

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Objectives: 1) Describe relationships between student pharmacists’ personal finance perceptions and projected post-graduation indebtedness; 2) Examine the association between personal finance perceptions, demographic characteristics, and post-PharmD career intentions. Method: Student cohorts at two colleges of pharmacy (N= 226) completed a self-administered 39-item questionnaire assessing personal finance perceptions, behaviors, student loan indebtedness, and post-PharmD career intentions. Parametric and nonparametric independent t-test and one-way ANOVA equivalents, and logistic regression techniques were used to examine differences across and relationships between study variables. Results: A 73% usable response rate was obtained. On average, students anticipate $169,323 (± $81,641) in post-graduation student loan debt and expect to pay off debt in 8.0 (± 6.4) years. Over 75% of students feel pressured to get out of debt upon graduation and 55% have a plan for debt repayment. Projected student loan debt did not differ across students who anticipate pursuing postgraduate training versus those planning to enter practice directly. However, students intending to directly enter practice were 2.6 times as likely to indicate debt influences their post-PharmD career plans compared to individuals intending to pursue postgraduate training (p=0.001). Students intending to practice in community pharmacy settings were 3.3 times as likely to indicate debt influences their post-PharmD career plans compared to individuals planning to enter all other practice settings (pImplications: Our study adds to recent literature exploring the relationship between student indebtedness and career decision-making. Further research is warranted to explore interventions that foster increased personal finance self-awareness in student pharmacists and minimize student indebtedness.

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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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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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Talwar, Sanjiv. "The cost of capital in the presence of alternative corporation and personal tax regimes." Thesis, London School of Economics and Political Science (University of London), 1993. http://etheses.lse.ac.uk/2591/.

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In 1958, Modigliani and Miller initiated an important debate in modern corporate finance literature, when they stated that in the absence of taxes, the cost of capital of a firm is independent of its capital structure. They modified and then corrected their view in 1963 when they stated that the introduction of corporation taxes into their model implied that there is a tax advantage to leverage and therefore taxes influenced the cost of capital. Subsequently, in the 1970s and 1980s, this debate has focused on the interaction of personal taxes and corporation taxes with the cost of capital and on the determination of whether taxes influence the cost of capital at all. This thesis contributes to this debate by addressing the following issues: (a) Do personal taxes matter at all for calculating the cost of capital. How sensitive is the influence of personal taxes to differences in the capital structure and pay out policies of the firms. (b) How can more realistic features of the tax code be incorporated in the determination of the cost of capital. (c) Taxation systems can be classified into 4 main types according to the degree of integration of personal and corporation taxes. These systems are the Classical, Imputation, Two-Rate and the Integrated systems. The cost of capital, in the presence of uncertainty as well as corporation and personal taxes, is derived for each of the above systems in this thesis. (d) Taxation systems can also be classified into 2 main types according to the taxable base used. These are the Comprehensive Income Tax and the Expenditure Tax systems. The cost of capital, in the presence of uncertainty as well as corporation and personal taxes, is derived under both the above regimes. (e) Application of the results of (a), (b) and (c) above to address practical issues such as using the cost of capital equation to determine the effect of changes introduced by the 1988 Budget on the cost of capital. (f) Application of the results of (d) above to contradict the claims made in the Meade Committee regarding the tax neutrality issue. A system that is tax neutral even when uncertainty is taken into account, is proposed. All the above issues have the common theme of the determination of the appropriate cost of capital in the presence of both uncertainty as well as corporation and personal taxes. The conclusions reached are stated at the end of the relevant chapters.

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Abozeid, Hady O. T. A. "Personal variables, organisational variables and moral intensity dimensions underlying external auditors' ethical decision making : Egyptian evidence." Thesis, University of Huddersfield, 2018. http://eprints.hud.ac.uk/id/eprint/34648/.

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Academic and professional attention towards ethics in business in general and audit ethics in particular has grown significantly following well-documented audit failures and corporate scandals. Several empirical studies have been carried out to investigate the factors underlying such auditors’ ethics. The majority has been done in the USA and other developed countries, often using undergraduate student convenience samples. They have provided clearly mixed results and have tended to focus on only one or two stages of the ethical decision making (EDM) model devised by Rest (1986). This study sought to build and improve on the previous research by investigating the impact of a broad set of personal, organisational, and issue-specific variables on three stages of external auditors’ EDM process. Moreover, it did so in a developing country, namely Egypt, which is the largest country by population in the MENA (Middle East and North Africa) region. This study hypothesised that personal variables (gender, age, educational level, position level, work experience, certification status, professional commitment, and personal moral philosophy), organisational variables (code of ethics, firms size, ethical climate types), and moral intensity dimensions are significantly related to the different stages of external auditors’ EDM process. Using a relatively large sample, data was collected via a questionnaire which include four context-based external audit ethics scenarios. An adapted Arabic version of the questionnaire translated using translation-back translation technique was administered to Egyptian participants and usable responses were received from 393 external auditors working for 19 international audit firms in Egypt. For each scenario, the EDM process was examined in terms of the recognition, judgment and intention stages of Rest’s model. While moral intensity was originally conceptualised as a six-dimensional construct, factor analysis revealed only two dimensions, which were named ‘perceived social pressure’ and ‘actual harm’. Results show that these two dimensions, particularly social pressure, are the strongest predictors of auditors’ three stages of EDM. Ethical climate types and personal moral philosophy also showed some significant results. Significant and positive results were also found regarding firm size, work experience, position level, and certification status. However, findings revealed that age, educational level, code of ethics, and professional commitment have very limited impact on auditors’ EDM stages. Interestingly, when gender differences were found, male auditors exhibited more ethical choices than females. Findings reinforces the need to give more attention to auditors’ socialisation and training, as well as the importance of continuing professional education to enhance auditors’ EDM abilities. Egyptian audit firms should also pay more attention to their organisational ethical infrastructure and maintain an organisational consensus regarding unethical acts. Using alternative methodologies and inclusion of the ethical behaviour stage in future studies, may aid future research in complementing these results, thus provide an enhanced understanding of auditors’ ethical decisions. At the very least, future studies should study all the first three stages, as in this research, rather than focusing on only one or two stages. Additionally, cross-cultural audit ethics studies represent a fruitful avenue for future research. The questionnaire used in this study could be used, with minimal adaptations, in other countries.

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Hasheela, Elisa Tulipohamba. "Access to finance and financial inclusion in Namibia." Thesis, Stellenbosch : Stellenbosch University, 2013. http://hdl.handle.net/10019.1/97405.

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ENGLISH ABSTRACT: This study seeks to analyse the financial sector’s (commercial banks and the Bank of Namibia) policy interventions towards creating an inclusive financial system. To achieve this the objective of this study is in three folds, firstly to examine the level and extent of financial inclusiveness in Namibia, secondly to evaluate financial sector (commercial banks and the Bank of Namibia) policies to ascertain their effectiveness in promoting access to finance in Namibia, and thirdly to review international experiences to provide key learning lessons for Namibia’s financial system improvement. It is important that the problems associated with the high level of financial exclusion are understood. Through an analysis of the theoretical information and empirical results it is possible to establish how to improve financial inclusion which is critical for development and economic growth. Financial Inclusion (FI) has become a key pillar of development policy in a number of countries around the world on account of the fact that exclusive development is not sustainable. The paper explored the role of Mobile Money Services (MMS) in enhancing financial inclusion. The study was motivated by the proliferation of mobile phones amongst low income earners, the prepaid billing system sensitive to users’ incomes, adoption of ICT by government and the private sector that has enhanced e-commerce readiness of Uganda, as well as the launch of three Mobile Money Services in the country. A qualitative analysis of the web content of the three MMS providers was undertaken and focused on issues related to services provided; transaction charges; number of registered customers; number and volume of transactions; stakeholders; user interfaces and security; institutional relationships; policy and regulation; as well as appropriateness of the current business model(s). The findings indicate that while the MMS have enormous potential to enhance FI, it would require an open business model that involves all stakeholders to establish a truly national solution. Furthermore, the initial contribution of MMS to FI is in improving money transfer by lowering the transaction costs for small volumes. As a way forward, the regulatory authorities need to establish a legal framework that does not stifle innovation but ensures safety for customers’ savings. From the literature it becomes clear that there are various advantages associated with inclusive financial system. Various studies have demonstrated the positive correlation between financial inclusion and economic growth and poverty alleviation. Most of the data used in the study were collected by means of desk review for secondary data. Various articles and annual reports of commercial banks and regulators were analysed to provide an overview of the current state of financial inclusion in Namibia. However, primary data were also used to analyse the current initiatives of the commercial banks. The study finds that there are policy interventions that are in place and are being pursued by various players aimed at improving the public access to financial services. Results of the recently published FinMark2011 Survey report also indicate that 51 percent of adults are now included in the financial system compared to 31 percent recorded during the 2007 survey. Finally the study’s recommendations highlight various initiatives and activities which different stakeholders should undertake to improve the level of financial inclusion in the economy.

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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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Scott, Robert H. Sturgeon James I. "The determinants of default on credit card debt." Diss., UMK access, 2005.

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Thesis (Ph. D.)--Dept. of Economics. University of Missouri--Kansas City, 2005.
"A dissertation in economics and social science consortium." Advisor: James I. Sturgeon. Typescript. Vita. Title from "catalog record" of the print edition Description based on contents viewed June 26, 2006. Includes bibliographical references (leaves 149-161 ). Online version of the print edition.

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Janušaitis, Paulius. "Asmeninių finansų planavimo ir valdymo sistemos kūrimas ir tyrimas." Master's thesis, Lithuanian Academic Libraries Network (LABT), 2008. http://vddb.library.lt/obj/LT-eLABa-0001:E.02~2008~D_20080716_100918-02656.

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Šio darbos tikslas - sukurti asmeninių finansų planavimo ir valdymo sistemą, kuri padėtų vartotojams valdyti jų asmeninius finansus bei taupyti pinigus ir laiką. Šio darbo metu buvo atlika projektavimo bei technologinių priemonių sprendimų analizė. Vėliau buvo išskirti penki pagrindiniai sistemos realizavimo uždaviniai. Pateikti jų galimi sprendimo variantai. Kuriamos sistemos architektūrai buvo pasirinktas tipinis trijų sluoksnių principas. Atlikus sistemos kokybės analizę, nustatyta, kad jos kokybė yra gera ir atitinka iškeltus reikalavimus. Palyginus sistemą su alternatyviais sprendimai, ji įvertinta kaip vidutinė, atsižvelgiant į jos teikiamą naudingumą vartotojui.
The objective of this project was to develop a personal finance planning and management system that helps people to manage their personal finance and saves money and time. During its execution, the analysis of design and technology solutions was performed. Further, five basic goals of system realization were formulated, the potential solutions for which were presented in the thesis. The architecture of the developed software is based on the principle of three layer design. During the quality analysis of the system, it was evaluated as a good system except that its maintainability rate was rather low. Its comparison with the alternative systems disclosed it as an average system from the viewpoint of its expediency.

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Sober, Tamara Leigh. "Wise Choices? The Economics Discourse of a High School Economics and Personal Finance Course." Thesis, Virginia Commonwealth University, 2017. http://pqdtopen.proquest.com/#viewpdf?dispub=10620921.

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Today’s high school students will face a host of economic problems such as the demise of the social safety net, mounting college student debt, and costly health care plans, as stated in the rationale for financial literacy provided by the Council for Economic Education’s National Standards for Financial Literacy. These problems are compounded by growing income and wealth inequality and the widespread influence of neoliberal ideology. Although one of the major goals of economics education is to teach students to make reasoned economic choices in their public and private lives and provide the skills to solve personal and social economic problems, little empirical research has been conducted on how these goals are addressed. Secondary economics education research has primarily focused on measuring students’ grasp of neoclassical economics while a separate body of literature provides theoretical critiques of that approach. This study responds to the gap presented by these separate camps by capturing the economics discourse of a high school economics and personal finance course in relation to the role of economic decision-making in a democracy, and the space to hold values discussions. Using case study methodology that included analysis of student and teacher interviews, classroom observations, the standards and official curriculum, lesson plans, and student-produced documents, the study provides deep, context-dependent knowledge about how the official curriculum is manifest in the classroom.

Findings reveal that the role of economic decision-making and values discussions were given very little space. The discourse was heavily focused on the acceptance of the science and mastery of technical knowledge about personal finance for the dual purposes of preparing students to succeed on the W!SE Financial Literacy Certification Test and preparing students to navigate and succeed in a fixed economic reality firmly committed to neoclassical economics. The role of economic decision-making was diminished by the foregrounding of financial literacy over economics, which served as a mechanism of power to send the silent message that economic circumstances (such as wealth inequality) change through individual choices and that economic and social phenomena can be understood and addressed through the application of technical approaches.

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Ahmad, Fahd A., Andrew J. White, Katherine M. Hiller, Richard Amini, and Donna B. Jeffe. "An assessment of residents’ and fellows’ personal finance literacy: an unmet medical education need." INT JOURNAL MEDICAL EDUCATION-IJML, 2017. http://hdl.handle.net/10150/624655.

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Objectives: This study aimed to assess residents' and fellows' knowledge of finance principles that may affect their personal financial health. Methods: A cross-sectional, anonymous, web-based survey was administered to a convenience sample of residents and fellows at two academic medical centers. Respondents answered 20 questions on personal finance and 28 questions about their own financial planning, attitudes, and debt. Questions regarding satisfaction with one's financial condition and investment-risk tolerance used a 10-point Likert scale (1=lowest, 10=highest). Of 2,010 trainees, 422 (21%) responded (median age 30 years; interquartile range, 28-33). Results: The mean quiz score was 52.0% (SD = 19.1). Of 299 (71%) respondents with student loan debt, 144 (48%) owed over $200,000. Many respondents had other debt, including 86 (21%) with credit card debt. Of 262 respondents with retirement savings, 142 (52%) had saved less than $25,000. Respondents' mean satisfaction with their current personal financial condition was 4.8 (SD = 2.5) and investment-risk tolerance was 5.3 (SD = 2.3). Indebted trainees reported lower satisfaction than trainees without debt (4.4 vs. 6.2, F (1,419) = 41.57, p < .001). Knowledge was moderately correlated with investment-risk tolerance (r=0.41, p < .001), and weakly correlated with satisfaction with financial status (r=0.23, p < .001). Conclusions: Residents and fellows had low financial literacy and investment-risk tolerance, high debt, and deficits in their financial preparedness. Adding personal financial education to the medical education curriculum would benefit trainees. Providing education in areas such as budgeting, estate planning, investment strategies, and retirement planning early in training can offer significant long-term benefits.

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Sober, Tamara L. "Wise Choices? The Economics Discourse of a High School Economics and Personal Finance Course." VCU Scholars Compass, 2017. http://scholarscompass.vcu.edu/etd/5033.

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Today’s high school students will face a host of economic problems such as the demise of the social safety net, mounting college student debt, and costly health care plans, as stated in the rationale for financial literacy provided by the Council for Economic Education’s National Standards for Financial Literacy. These problems are compounded by growing income and wealth inequality and the widespread influence of neoliberal ideology. Although one of the major goals of economics education is to teach students to make reasoned economic choices in their public and private lives and provide the skills to solve personal and social economic problems, little empirical research has been conducted on how these goals are addressed. Secondary economics education research has primarily focused on measuring students’ grasp of neoclassical economics while a separate body of literature provides theoretical critiques of that approach. This study responds to the gap presented by these separate camps by capturing the economics discourse of a high school economics and personal finance course in relation to the role of economic decision-making in a democracy, and the space to hold values discussions. Using case study methodology that included analysis of student and teacher interviews, classroom observations, the standards and official curriculum, lesson plans, and student-produced documents, the study provides deep, context-dependent knowledge about how the official curriculum is manifest in the classroom. Findings reveal that the role of economic decision-making and values discussions were given very little space. The discourse was heavily focused on the acceptance of the science and mastery of technical knowledge about personal finance for the dual purposes of preparing students to succeed on the W!SE Financial Literacy Certification Test and preparing students to navigate and succeed in a fixed economic reality firmly committed to neoclassical economics. The role of economic decision-making was diminished by the foregrounding of financial literacy over economics, which served as a mechanism of power to send the silent message that economic circumstances (such as wealth inequality) change through individual choices and that economic and social phenomena can be understood and addressed through the application of technical approaches.

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Hagemeier, Nicholas E., and Leonard B. Cross. "Financial Literacy Showcase – ETSU Gatton College of Pharmacy Personal Finance for Future Pharmacists Course." Digital Commons @ East Tennessee State University, 2013. https://dc.etsu.edu/etsu-works/1436.

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This session will feature the best financial literacy solutions in higher education, straight from the mouths of the college administrators who have implemented the programs! By the end of this presentation, you will be an expert in the various solutions that are available, as well as having a good idea of what will work best for your institution. In this session, you will find out: (1) How the college decided on its financial literacy program, (2) How each school is integrating the resources, (3) What practices have been the most successful.

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Van, Tonder Estelle. "The factors influencing buyer behaviour of single working women when purchasing financial products or services an exploratory study /." Diss., Pretoria : [s.n.], 2003. http://upetd.up.ac.za/thesis/available/etd-11102004-113938.

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Smith, Clayton L. "The preacher within the impact of the preacher's personality and pathos on preaching financial stewardship sermons /." Chicago, IL : McCormick Theological Seminary, 1995. http://dx.doi.org/10.2986/tren.102-0684.

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Dammer, Susan. "A post survey study of what type of information regarding personal finance is retained after participating in the Reality Store." Menomonie, WI : University of Wisconsin--Stout, 2006. http://www.uwstout.edu/lib/thesis/2006/2006dammers.pdf.

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Dissertations / Theses on the topic 'Finance, Personal'

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