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Journal articles on the topic 'Finance, Personal'

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Author: Grafiati

Published: 4 June 2021

Last updated: 30 July 2024

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1

van Deventer, Marko. "African Generation Y students’ personal finance behavior and knowledge." Investment Management and Financial Innovations 17, no. 4 (November 26, 2020): 136–44. http://dx.doi.org/10.21511/imfi.17(4).2020.13.

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Personal financial management is important, given uncertainties in both financial and economic environment. However, published research on African Generation Y students’ personal finance behavior and knowledge is limited. This study aimed to evaluate African Generation Y students’ personal finance behavior in terms of their attitudes towards financial planning and whether this cohort believes that they have the skills to manage their finances successfully. In addition, this study sought to evaluate African Generation Y students’ knowledge regarding personal finance. A convenience sample of 500 African students across the campuses of two South African public higher education institutions situated in the Gauteng province was surveyed using structured, self-administered questionnaires. The t-test results indicate that the sample deems the process of planning personal finances and managing credit, insurance, investment, and estate, as important. Moreover, the students scored low in the broad personal finance knowledge areas of basic finance, saving, spending, and debt, suggesting that this cohort is financially illiterate. The results also indicated that the students think they have the financial skillset to manage their personal finances. A high Pearson’s correlation coefficient was noted between sampled participants’ personal finance behavior and their observed personal finance management skillset regarding the relationship between the constructs. However, an insignificant relationship was found between attitudes towards personal finance and financial knowledge and between financial knowledge and African Generation Y students’ apparent finance skills. Understanding African Generation Y students’ personal finance behavior and knowledge, universities and financial institutions can more effectively identify gaps and deficiencies in students’ personal finance endeavors.

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2

A, Vishwas, Divyanshu Kumari, Pradeep S, S. Shohan, Navya Suresh, Dhruv Nair, and Dr Gopalakrishnan Chinnasamy. "Mechanics of Finance- Personal Finance advisory firm: “Finance Friend”." International Journal for Research in Applied Science and Engineering Technology 10, no. 12 (December 31, 2022): 1985–86. http://dx.doi.org/10.22214/ijraset.2022.48396.

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Abstract: The purpose of this study is to understand the importance of personal finance planning to be financially sound and well equipped for the uncertainty. According to the findings of this study, the ignorance of personal finance is to the pinnacle. This isn't just to set up family spending plan yet additionally to save, contribute as well as plan for our retirement. The meaning of financial management, its significance, the steps that each person can take to plan and manage their finances, and the awareness of financial management are all discussed in this writing. In addition to educating readers on how to plan and manage each individual's finances for their benefit today and in the future, which indirectly contributes to the development of the nation, the purpose of this writing is to raise awareness of the significance of personal finance planning and management. The impact of personal finance education on financial knowledge, attitudes, and actions is the subject of much debate. Our research also reveals that discussing money with friends, income, work experience, year/field of study, and family financial socialization were all important factors in influencing financial knowledge, attitudes, and behavior. We're not saying that formal financial education isn't important; rather, we're saying that its role in changing people's attitudes and behaviors should be carefully considered if that's its goal. The objective was to describe the financial knowledge, attitudes, and experiences of residents to inform the design of a personal finance curriculum.

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Rodina, Larisa A., and Lilia V. Zavyalova. "Personal finance management in modern conditions." Herald of Omsk University. Series: Economics 18, no. 4 (December 28, 2020): 36–47. http://dx.doi.org/10.24147/1812-3988.2020.18(4).36-47.

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The article is devoted to the practical aspects of personal finance management in the context of the transition to digital transformation of the economy. The need to pay attention to this aspect is due to both new opportunities for managing personal finances based on digitalization tools, and the risks of unauthorized access to them using cybernetic means. Summarizing the main sources of threats to personal finance in the context of digitalization is aimed at preventing fraudulent activities and ensuring the protection of financial information carriers. First of all, in a preventive manner, it is proposed to consider the basic problems of personal finance management from the position of accounting and planning of financial resources. The research results are aimed at increasing the financial literacy of the population, preventing encroachments and crimes in the field of personal finance, and, ultimately, at the maximum satisfaction of personal needs. Particular attention is paid to the rules of "personal financial hygiene", which imply organizational and technical measures to protect bank cards, mobile bank, deposits, cash, etc. You should also pay attention to the need to protect personal financial interests from the point of view of checking "financial contacts". An important role in the management of personal finances is played by knowledge of the norms of tax legislation in terms of deductions and benefits for taxes paid by individuals. In this regard, it is necessary to understand not only the legal aspects, but also the capabilities of the information system of relations between taxpayers and the state. It is also proposed to assess the risks of investments for individuals in the context of justifying the individual choice of an option when planning personal finances. All of these aspects are regarded as due diligence rules.

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4

Andrews, Brett K. "Teaching Personal Finance." Journal of Ministry Marketing & Management 6, no. 1 (June 2000): 11–18. http://dx.doi.org/10.1300/j093v06n01_02.

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5

Presnyakova, Darya V., Vladimir N. Galitskikh, and Andrey A. Presnyakov. "PERSONAL FINANCE MANAGEMENT USING INSURANCE AND INVESTMENT." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 2/5, no. 143 (2024): 112–17. http://dx.doi.org/10.36871/ek.up.p.r.2024.02.05.013.

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The current life situation forces a person, family, entrepreneur to pay attention to their own income and expenses, so the task arises to effectively manage personal finances. This category is quite important and occupies a special place in the life of a person and his family, since determining the optimal ways to manage personal finances allows you to increase well-being. The tasks of the subjects of personal finance management are considered to reduce current cash expenditures, increase income through economic activities and conduct typical financial calculations to determine the budget. The goal of ensuring the balance of personal finances can be achieved through life insurance, property, liability business, etc.

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6

DUBEY, PRIYANSHU. "Fintrack (Personal Finance Tracker)." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (May 29, 2024): 1–5. http://dx.doi.org/10.55041/ijsrem34937.

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Fintrack is a comprehensive personal finance tracker designed to empower people to take control of their financial well-being. This summary provides an overview of Fintrack's main functions, features and potential impact on personal financial management. Fintrack provides its users with a centralized platform to track and manage their finances easily and efficiently. The platform allows users to add their financial accounts, including bank accounts, credit cards, loans and investments, providing a holistic view of their financial situation. With Fintrack, users can easily categorize transactions, set budgets and track their spending habits in real time. The platform's intuitive user interface and user-friendly design streamline the budgeting process, helping users identify savings goals and optimize their financial habits. Fintrack allows users to set and track financial goals, whether it's saving for a major purchase, paying off debt or planning for retirement. The platform provides users with personalized insights and recommendations based on their financial behavior to guide them to make smarter financial decisions. Security and privacy are paramount as Fintrack uses advanced encryption protocols and strict privacy measures to protect users' sensitive financial information. Overall, Fintrack is a valuable tool for people who want to achieve financial wellness and create a brighter financial future. With its comprehensive features and user-centric approach, Fintrack aims to revolutionize personal financial management and enable users to achieve their financial goals with confidence and clarity. Keywords: Personal Finance Management, Financial Tracking, Investment Tracking.

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7

Tika Handayani, Rifky Lana Rahardian, Eva Yuniarti Utami, Apriani Riyanti, and Ahmad Rizani. "Fintech Analysis of Personal Finance App Usage among Millennials." Journal of Economic Education and Entrepreneurship Studies 5, no. 2 (June 2, 2024): 150–62. http://dx.doi.org/10.62794/je3s.v5i2.2299.

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This study aims to analyse the influence of Fintech on the use of personal finance applications in the millennial generation. The research method used in this study is the survey method. The survey was conducted using a questionnaire distributed to millennial respondents who use personal finance applications. The data collected through the survey will be analysed quantitatively to identify usage trends, feature preferences, and the impact of personal finance apps on individual financial behaviour. The results show that millennials have a high adoption rate of personal finance apps. They tend to use these apps to track expenses, organise budgets, and conduct financial transactions. In-app personalisation features are highly valued by millennials, as it allows them to tailor the experience according to individual needs and preferences. However, data security and privacy remain key concerns in the use of personal finance apps. Personal finance apps have great potential in helping millennials manage their finances more effectively. However, serious attention should be paid to data security and user privacy. Therefore, it is recommended that personal finance app providers continue to improve their security systems and privacy practices. In addition, it is also necessary to educate users on the importance of protecting their personal information when using personal finance apps.

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8

Marshall, Paul S., and Larry R. Lang. "Strategy for Personal Finance." Journal of Risk and Insurance 57, no. 2 (June 1990): 361. http://dx.doi.org/10.2307/253317.

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9

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 (December 31, 2017): 1235–40. http://dx.doi.org/10.17722/ijme.v10i1.951.

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Abstract 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. The relevance of this article is even on identifying the main advantages derived by personal digital finances, where the applicability of the cryptocurrency is increasing day by day.

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10

Li, Geng. "Gamblers as Personal Finance Activists." Finance and Economics Discussion Series 2012, no. 18 (2012): 1–53. http://dx.doi.org/10.17016/feds.2012.18.

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11

Raina, Oshin, Sakshi Mishra, and Prof Santoshi Pote. "Personal Finance Application- GROW MORE." International Journal for Research in Applied Science and Engineering Technology 10, no. 5 (May 31, 2022): 271–74. http://dx.doi.org/10.22214/ijraset.2022.42166.

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Abstract: The main purpose to create a personal finance app is to manage private money, track spendings, and plan out a budget. These apps are also known as Money Saving apps because it enables the app users to borrow, lend, and even invest money. Personal budget management is a finance plan that allocates future personal income towards expenses, savings, and debt repayment. Past spending and personal debts are considered when creating a personal budget. Budgeting is the most basic and effective tool for managing our monthly income. But most people avoid doing it because they think keeping a record of budget or expense is a hectic task Recording monthly expenses on paper are very difficult as modification, removal, and searching are not easy on paper. Similarly using any which run on our computers like MS excel or any other tool is also clumsy. Because we will have to note all expenses on paper then later record them all on the tool installed on a computer. Better solutions use mobile applications to keep a record of every expense easily at any location. In this project, our task is to develop an Android-based application that will be used to manage personal budget Index Terms: Personal Finance Application, Budgeting, Graph, Proposed work, Managing Finance.

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12

Tang, Yih Pin. "COVID-19 and personal finance." Accounting, Auditing & Accountability Journal 35, no. 2 (February 3, 2022): 576. http://dx.doi.org/10.1108/aaaj-02-2022-146.

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13

Maksimov, Ivan Sergeyevich. "INFLATIONARY LOSSES OF PERSONAL FINANCE." Economy. Business. Computer science, no. 3 (January 1, 2016): 97–105. http://dx.doi.org/10.19075/2500-2074-2016-3-97-105.

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14

Daily, Joshua, R. Thomas Collins, and Elijah Bolin. "Personal Finance for Pediatric Trainees." Clinical Pediatrics 56, no. 4 (October 2016): 313–15. http://dx.doi.org/10.1177/0009922816669789.

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15

Hudson, Robert, and Yaz Gulnur Muradoglu. "Personal routes into behavioural finance." Review of Behavioral Finance 12, no. 1 (March 9, 2020): 1–9. http://dx.doi.org/10.1108/rbf-12-2019-0176.

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PurposeThe paper aims to provide the individual routes of the authors into behavioural finance in order to introduce the special issue.Design/methodology/approachThe paper provides the background to the authors' personal route into behavioural finance.FindingsThe paper highlights general themes of development and influence of behavioural finance and relationships with practice and other areas of academic finance.Originality/valueThe paper offers the perspectives of the authors on how they feel the research area of behavioural finance will develop in the future.

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16

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

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17

Robinson, C. "The sociology of personal finance." Financial Services Review 7, no. 3 (1998): 161–73. http://dx.doi.org/10.1016/s1057-0810(99)00008-6.

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18

Bacheva, Snejana. "Current research on personal finance." Economic Thought journal 63, no. 4 (August 20, 2018): 144–46. http://dx.doi.org/10.56497/etj1863405.

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In recent years, not only globally, but also in Bulgaria, the interest in personal finance has grown significantly. In this regard, the first Bulgarian book on this topic has recently been published, authored by Associate Professors Daniela Bobeva and James Iolovski. Although it is intended for students, the combination of a well-presented theoretical basis with a rich practical presentation makes it both useful and easily accessible to a wide range of readers. The relevance of the book for Bulgaria is related to three main problems: the low financial literacy of the population; the fragmented and sometimes misleading financial information provided to consumers; and the poor and inefficient use of financial services.

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19

Чечетова Н. Ф. and Чечетова-Терашвілі Т. М. "ФІНАНСОВА ГРАМОТНІСТЬ ЯК ЗАПОРУКА УСПІХУ УПРАВЛІННЯ ОСОБИСТИМИ ФІНАНСАМИ." World Science 2, no. 10(50) (October 31, 2019): 14–20. http://dx.doi.org/10.31435/rsglobal_ws/31102019/6725.

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The article deals with the problem of ensuring the financial literacy of the population as a key to the success of managing personal finances. The results of sociological research are analyzed, which confirm the low level of financial literacy and competence of the population of Ukraine in the sphere of personal finance. It also looks at possible investment decisions regarding the use of personal finance and the risks associated with such decisions. International experience confirms that improving financial literacy can only be achieved through the implementation of a comprehensive national policy that is one of Ukraine's top priorities. After all, competent management of personal finances contributes to both the enrichment of the individual and the financial stability of the state.

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20

Ginavičienė, Jurgita, and Indrė Sprogytė. "AN ASSESSMENT OF TRANSPORT LOGISTICS STUDENTS’ PERSONAL FINANCE AND THEIR PERSONAL FINANCE MANAGEMENT SKILLS." SOCIETY. INTEGRATION. EDUCATION. Proceedings of the International Scientific Conference 1 (May 19, 2022): 57–66. http://dx.doi.org/10.17770/sie2022vol1.6868.

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Knowledge about personal finance, economics’ expression understanding, ability to manage own money are important nowadays. The main aim of this research is to compare the Transport Logistics students’ personal finance management skills during the Covid-19 pandemic. The respondents were 197 Transport Logistics students of Vilnius College of Technologies and Design. They filled out an electronic demographic data form online and evaluated their personal financial management skills. Results of the research showed students earnings are to 440 EUR per month. Their amount per month was more than 440 EUR, the main groups of expenses, revealed skills of saving, view into the personal control of finance and sufficient rating of knowledge.

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21

Vihtelic, J. "Personal finance: an alternative approach to teaching undergraduate finance." Financial Services Review 5, no. 2 (1996): 119–31. http://dx.doi.org/10.1016/s1057-0810(96)90005-0.

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22

Putri, Anike, Ghea Nofayza, Widi Dwi Aditia Putra, and Delia Arofah. "Pemahaman Dasar Keuangan Untuk Pengoperasian Aplikasi Buku Warung." Jurnal Bhakti Karya dan Inovatif 3, no. 1 (February 28, 2023): 7–11. http://dx.doi.org/10.37278/bhaktikaryadaninovatif.v3i1.579.

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For MSMEs, several steps can be taken in order to manage finances well, namely starting to separate personal and business finances, and starting simple bookkeeping. If MSMEs are able to separate personal finance from business finance, and have bookkeeping or administrative management (business finance), MSMEs can try to make financial planning in a simple way. By separating personal and business financial records, owners can more easily manage their business finances. This is because the accuracy of business financial records can influence decision making and evaluate business performance. Mixed cash flow between personal and business finances can make it difficult for MSME actors to determine business operating costs. One strategy for separating personal and business financial records is that the owner can "pay" himself so that all personal needs are recorded from the salary post.Keeping daily financial records is a simple thing, but can bring great benefits in the long term. Companies with complete and accurate financial records will have advantages in terms of evaluation and monitoring. The development of internet technology and applications must be utilized by MSME business people. However, business actors must also be able to determine exactly what applications will be used to support the overall operation of their business. As technology develops, MSME players can take advantage of digital applications to help manage their business more effectively. By utilizing digital applications, MSMEs can find out financial transactions more quickly and accurately. The specific target in this community service activity is to provide knowledge and training to Shoe Craftsmen of the Cibaduyut Sub-District regarding understanding the basic finances for operating the Buku Warung application.

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23

Kusumadyahdewi, Kusumadyahdewi. "PENGETAHUAN KEUANGAN DI KALANGAN MAHASISWA." J-PIPS (Jurnal Pendidikan Ilmu Pengetahuan Sosial) 2, no. 2 (June 30, 2016): 118. http://dx.doi.org/10.18860/jpips.v2i2.6839.

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Currently, variety of banking products to facilitate customer transactions. So it is important to know about the knowledge of finance, including financial products. This research measures the student's understanding on financial knowledge consists of knowledge of personal finance, savings and loans, insurance, investment. The student has followed the course of accounting and financial management largely discusses financial firms, but researchers always explains its application to personal finances when teaching the subject. Measurement of the level of knowledge using questionnaires, then measured using the percentage of correct answers. Knowledge of personal financial management has been good, while knowledge of savings and loans, insurance, investments are at a low level. This study has shown the importance of improving the material being taught on the subject to expand the application on personal financial management, and understanding of banking products, insurance and investment, because students will also go to the public where it will be related to its financial problems. so hopefully with his knowledge of finance can finish well. <br /><strong>Keywords</strong>: personal finance management

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24

Imam, Synthia, Alberto Ibañez Fernandez, Gyanendra Singh Sisodia, Juan Antonio Jimber del Río, and Ahmed Al Radaideh. "Emotional Intelligence and Personal Finances in the Academic Curricula: A Critical Analysis of Their Potential Synergies." Asian Culture and History 14, no. 1 (March 1, 2022): 6. http://dx.doi.org/10.5539/ach.v14n1p6.

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The research addresses two major topics, Emotional Intelligence and Personal Finance, and the need to be permanently included in the academic curricula. The purpose of the paper consists in raising awareness within the teaching community on the relevance of these two topics for the personal and professional development of students. Furthermore, the research identifies the potential positive synergies between emotional intelligence and personal finances for students when both subjects are included in the academic curricula. The study proposes several conceptual findings via the literature review and showcases how emotional intelligence could have a higher positive effect than Intelligent Quotient when managing personal finances, and how individuals with a higher Emotional Intelligence become more effective in their professional development and more financially independent. The paper also signifies the importance of money attitude and self-efficacy in individual’s financial management behavior and identifies the positive synergies between Emotional Intelligence and personal finance management on students’ academic and professional development.

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25

Musiał, Marta. "Zastosowanie instrumentów zarządzania finansami osobistymi w polskich gospodarstwach domowych." Kwartalnik Kolegium Ekonomiczno-Społecznego. Studia i Prace 4, no. 3 (December 13, 2015): 233–43. http://dx.doi.org/10.33119/kkessip.2015.4.3.16.

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One of the most important elements of managing personal finances is collectionof data needed for the analysis of household’s financial situation. The mostpopular personal finance management tools include financial statements (balancesheets and cash flows) and household budget. The purpose of this article isto determine how Polish households use the basic personal finances management tools. The article will characterize the tools and present the results of primarystudies concerning the use of these tools by Polish households.

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26

Walstad, William B. "Economic Understanding in US High School Courses." American Economic Review 103, no. 3 (May 1, 2013): 659–63. http://dx.doi.org/10.1257/aer.103.3.659.

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The effects of courses on student achievement are studied using 2006 data from the National Assessment of Educational Progress (NAEP) in economics. A regression analysis showed expected and significant achievement differences by course, with the highest scores in advanced economics, followed by general economics. Courses in business and personal finance were not substitutes for advanced or general economics courses. A probit analysis showed that students taking economics courses relative to personal finance courses are significantly more likely to think their courses helped them understand the US economy, the international economy, and current events--but not how to manage personal finances.

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Hite, Nancy Groneman, Thomas Edwin Slocombe, Barbara Railsback, and Donald Miller. "Personal Finance Education in Recessionary Times." Journal of Education for Business 86, no. 5 (June 14, 2011): 253–57. http://dx.doi.org/10.1080/08832323.2010.511304.

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28

Appleyard, Lindsey, and Sally Dibb. "Responsible personal finance: Three fundamental questions." Social Business 8, no. 1 (May 31, 2018): 57–63. http://dx.doi.org/10.1362/204440818x15208755029564.

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Suroso, Agus, Ascaryan Rafinda, Timea Gal, and Osama Alhendi. "Primary Personal Finance Problem in Indonesia." SHS Web of Conferences 86 (2020): 01026. http://dx.doi.org/10.1051/shsconf/20208601026.

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The main objective of this research is to find out primary personal finance problem in Indonesia. A lot of people do not realize that they need financial knowledge to make financial decision. It leads to bounded rationality when they do the financial decision. Financial problem commonly not different years by years, then by collection financial problem this research could spread and warn other people not to fall into same problem. This research collecting data by questionnaire. Total 360 respondent fill in the questionnaire. The result successfully identify there are several topics in personal finance that become main problem. There are, have no finance plan, debt management and excessive spending. This research imply that we should focus on that topic on educating people in personal finance.

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Greene, Arin K., and Mark Puder. "A resident’s guide to personal finance." Current Surgery 59, no. 4 (July 2002): 423–25. http://dx.doi.org/10.1016/s0149-7944(02)00647-5.

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Martins, Russell Seth, Kostantinos Poulikidis, and Faiz Y. Bhora. "Personal Finance Wellness for New Attendings." Thoracic Surgery Clinics 34, no. 1 (February 2024): 25–31. http://dx.doi.org/10.1016/j.thorsurg.2023.08.002.

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Rodríguez-Granados, Edder Jair, Guillermo Urriolagoitia-Sosa, Jacobo Martínez-Reyes, Beatriz Romero-Ángeles, Guillermo Manuel Urriolagoitia-Calderón, and Yonatan Yael Rojas-Castrejon. "PERSONAL FINANCE AND INVESTMENTS IN MEXICO." Journal of Engineering Research 4, no. 3 (January 18, 2024): 2–9. http://dx.doi.org/10.22533/at.ed.3174324150110.

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Zureck, Alexander, Julius Reiter, and Martin Svoboda. "Cross-Generational Investment Behavior and the Impact on Personal Finance." JOURNAL OF INTERNATIONAL BUSINESS RESEARCH AND MARKETING 3, no. 2 (2018): 16–18. http://dx.doi.org/10.18775/jibrm.1849-8558.2015.32.3002.

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The purpose of this paper is to investigate socio-economic development condition and convergence evaluation in the EU-28 states in the context of the EU policy goals. The aim of this research is to estimate socioeconomic disparities and convergence problems in the European states by applying real valuations of well-being situations and economic development challenges in the EU member states. The research methodology is based on the European Commission legitimate documents application and socio-economic strategies, on the convergence theory and convergence scenario calculations along with socioeconomic forecasts analysis in the EU states. This research presents information about different socioeconomic indicators, indexes, and scheme of information`s flows for convergence level estimation. This study contains objectives and general outlines of period 2014-2020 in the framework of Europe as a whole, as well its impact on the EU member states economies and living conditions. Changes in the main socioeconomic concepts impact on EU convergence policy and rapidity of convergence depends on the initial discrepancy of the development level in the EU states. The efficiency of European convergence policy can also be improved by significant economic growth and by a clever choice of the country-specific social activities. This research investigates above information for social situations estimations in EU states as well as GDP growth, unemployment, population’s income level and different welfare indicators. The main results reflect the overall economic situation valuation in the EU countries and present European convergence policy’s impact on social development in the European states. The conclusions contain socio-economic situations appreciation in the context of European strategy goals and social inequality problems clarification in the EU states.

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Vahlevi, Dewi Riza Lisvi. "Peningkatan Ekonomi Masyarakat Melalui Edukasi Literasi Keuangan Islam." Proceedings of Annual Conference for Muslim Scholars 6, no. 1 (April 15, 2022): 1112–16. http://dx.doi.org/10.36835/ancoms.v6i1.452.

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Understanding of Islamic financial literacy should have been applied at least in personal finance, because when someone can manage finances well, it means that person has intelligence in managing personal finances. This article tries to explore how the process of educating the public about Islamic financial literacy in an effort to improve their economic level. Using the literature review method and field research, this article confirms that Islamic financial literacy plays an important role in improving the community's economy. In practice, Islamic financial literacy is really able to improve the community's economy starting from their personal finances.

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Ameer, Rashid, and Robert Khan. "Financial Socialization, Financial Literacy, and Financial Behavior of Adults in New Zealand." Journal of Financial Counseling and Planning 31, no. 2 (March 16, 2020): 313–29. http://dx.doi.org/10.1891/jfcp-18-00042.

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We used survey data from a cross-sectional New Zealand sample of adults to examine whether financial socialization and financial literacy are associated with their financial behavior. The results show different financial socialization experiences of adult males compared to adult females are associated with higher financial literacy and higher financial confidence. Adults with education in finance and economics had higher financial literacy and financial confidence in managing their personal finances. Furthermore, those with high self-assessed confidence in managing personal finance but low financial literacy, have a higher propensity to engage in undesirable financial behaviors.

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36

Geck, Caroline. "Book Review: Personal Finance: An Encyclopedia of Modern Money Management." Reference & User Services Quarterly 55, no. 1 (September 25, 2015): 76. http://dx.doi.org/10.5860/rusq.55n1.76.

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This single-volume reference offers access to overviews of financial ideas and concepts, key events, and business figures that have shaped modern personal finance and money management. The editor, Barbara Friedberg, the author of How to Get Rich: Without Winning the Lottery and Invest and Beat the Pros—Create and Manage a Successful Investment Portfolio and founder of the popular website BarbaraFriedbergPersonalFinance.com, has compiled an invaluable and easy-to-use reference to increase financial literacy and independence among American citizens across different age brackets and life stages, especially young adults who are handling personal finances and making financial decisions for the first time.

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Ribes, Edouard Augustin. "Transforming personal finance thanks to artificial intelligence: myth or reality?" Financial Economics Letters 2, no. 1 (April 4, 2023): 11–21. http://dx.doi.org/10.58567/fel02010002.

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Current societal challenges related to retirement planning, healthcare systems’ evolution and environmental changes require households to pay a closer attention to their personal finances. This in turns calls for the associated industry to transform and scale. To do so, the personal finance industry could potentially leverage artificial intelligence tools for which there has been increasing levels of chatter. However, there is, to my knowledge, little consensus on whether or not those tools are appropriate given the challenges ahead. The literature review at the heart of this article first suggests that the stream of personal finance where transformation is more than needed is the one pertaining to investments, rather than the ones associated to loans, insurances or payments. Second, the productivity levers fueling the transformation of this branch are yet more driven, as of today, by simple digitalization notions rather by the usage of A.I. instruments. Over the next couple of years, more attention should thus be paid to use/business cases associated to investment products and the digitalization of their distribution chain.

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Utomo, Langgeng Pirayitno, and Benih Hartanti. "Literasi Keuangan: Pelatihan Investasi Saham Melalui Pengenalan Pasar Modal Indonesia kepada Investor Milenial." Journal of Dedicators Community 5, no. 2 (July 27, 2020): 94–102. http://dx.doi.org/10.34001/jdc.v5i2.1196.

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Understanding of finance is important, especially for people who want to invest, it is aimed at obtaining maximum returns or returns from investments. The condition of the selected service partners, namely students and the general public who have an interest in investing, currently do not really understand personal finance so they are unable to manage their own finances which results in not understanding how to start investing. The purpose of this activity is to introduce the importance of understanding personal finance so as to be able to measure the extent to which personal financial conditions can be used to invest in the Indonesian capital market to service partners, namely young potential investors. The training activities are carried out in the computer laboratory of STIE PGRI Dewantara Jombang with lecture, question and answer methods, and practice. The material for the activity consists of the basic theory of financial management, introduction to investment, fundamental and technical analysis, and trading simulations. The results of this activity are: 1) service partners have a new understanding of financial literacy and personal finance well; 2) partners are better prepared when they are going to invest in shares or trade in the capital market; 3) the interest of partners to be able to invest is higher than before.

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Utomo, Suharjanto, and Dede Badru Jaman. "Perancangan Perangkat Lunak Manajemen Keuangan Pribadi Berbasis Mobile Hybrid." Journal of Information System Research (JOSH) 3, no. 4 (July 31, 2022): 712–17. http://dx.doi.org/10.47065/josh.v3i4.1995.

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The rapidly developing technology becomes a very supportive means to handle various problems that arise in managing a personal finance. The importance of managing personal financial activities for someone is not a simple thing. To avoid a serious financial problem, it needs a good financial planning. Financial planning in budgeting, management control, funds storage that is owned for the effective and efficient financial decision. The purpose of this research is to build A Personal Finance Software that can help the user in managing personal finances, especially in doing the transaction records of their income and expenditure, which it will be able to show the results of the financial report. This software is designed uses waterfall method and built by mobile hybrid technology from Apache Cordova on client-side, Framework Laravel on server-side and PostgreSQL as database. According to result of implementation, the personal financial management application can be used easily, effectively and efficiently by the users.

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Fitriani, Yuni. "ANALISA PEMANFAATAN APLIKASI KEUANGAN ONLINE SEBAGAI MEDIA UNTUK MENGELOLA ATAU MEMANAJEMEN KEUANGAN." Journal of Information System, Applied, Management, Accounting and Research 5, no. 2 (May 20, 2021): 454. http://dx.doi.org/10.52362/jisamar.v5i2.432.

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Abstract: The existence of information technology provides many benefits in many aspects of life, especially if we are able to maximize the use of such technology, one of which is the emergence of online financial management applications as a medium to manage or manage finance both personal and business finance. This online financial application makes it very easy to plan budgets and record expenses as well as to make financial statements. In this study, online financial applications include financial applications that help manage personal or individual finances, families as well as businesses such as online financial applications Bukukas, BukuWarung, Keuanganku and Money Lover. The research method used in this study is a semi descriptive quantitative method. Where the purpose in this research is to explain the utilization of online financial applications as a medium for managing and managing finance. Online financial applications such as BukuKas, BukuWarung, FInansialku and also Money Lover proved very useful in managing or managing personal finances or individuals, families and also UMKM well, namely in terms of managing income, expenses, investments, receivables and financial statements. In addition, it is more effective and efficient also in terms of financial management time by using the online financial application.

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Harrington, Christine, and Walter Smith. "College student interest in personal finance education." Financial Services Review 25, no. 4 (October 15, 2023): 351–72. http://dx.doi.org/10.61190/fsr.v25i4.3227.

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This study investigates demand for investing in financial literacy while in college using survey responses from a cross-section of students at a medium-size, private university. Results indicate that student interest in personal finance education is largely a function of perceived return, time cost, financial independence, and gender where female students have relatively more interest. Income, patience in consumption, credit experience, numerical ability, and other factors are not consistently significant to demand. The results support offering learning opportunities for individual personal finance topics in addition to a personal finance course.

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Doda, Sanie, and Shkelqim Fortuzi. "The Impact of Saving in Personal Finance." European Journal of Economics and Business Studies 2, no. 1 (August 30, 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 each individual brings a qualitative growth. Money is a tool, the means by which we support our unique values and priorities. Therefore it is important to create a financial plan, savings strategies. Goals and opportunities for individuals to save are different and it is difficult to find a suitable solution for all. Albania has not started functioning separate windows or agencies that are only in terms of personal finance.

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Guo, Zhengyan. "Derivatives and Personal Finance: Structured Financial Products." Frontiers in Business, Economics and Management 5, no. 2 (September 26, 2022): 188–91. http://dx.doi.org/10.54097/fbem.v5i2.1764.

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In recent years, with the gradual development of interest rate liberalization, our country gradually entered the era of low interest rate. The income of all kinds of financial products can not meet investors' expectations gradually. And structured financial products as a new financial product, relies on its structural model by combining the basic financial instruments and derivative financial instruments, with its characteristics of both fixed income securities relatively safe and financial derivatives to hedge risk, the benefits of asymmetric characteristics, has become popular with investors in our financial markets products. This paper introduces the background and concept of structured financial products, in-depth analysis of the internal structure of structured financial products and product applications, and the future development prospects of this kind of financial products.

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Niederjohn, Scott. "Assessing an Online Personal Finance Video Game." Social Studies Research and Practice 7, no. 1 (March 1, 2012): 66–81. http://dx.doi.org/10.1108/ssrp-01-2012-b0008.

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This paper describes a pre- and post-test design, with control group, used to evaluate the educational effectiveness of Gen I Revolution (LEI The Game), a 15-missionvideo game developed by the Council for Economic Education (CEE) in 2009. This video game is based upon the CEE’s print curriculum: Learning, Earning and Investing. Using a random sample of 555 high school students enrolled in economics or personal finance courses throughout the United States, the study finds generally positive and statistically significant effects on a 35-question test of student learning regarding personal finance and economics. It also finds positive results on both a comfort survey and an attitude survey about personal finance given before and after exposure to Gen I Revolution. On each of these measures, gains made by students that were exposed to the game exceeded those in the control group.

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Livens, Leslie. "The 1989 Finance Bill - A Personal View." Business Law Review 10, Issue 5 (May 1, 1989): 123–24. http://dx.doi.org/10.54648/bula1989041.

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French, Declan, Donal McKillop, and Elaine Stewart. "Personal finance apps and low‐income households." Strategic Change 30, no. 4 (July 2021): 367–75. http://dx.doi.org/10.1002/jsc.2430.

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Lester, David, and Marcello Spinella. "The Executive Personal Finance Scale: Item Analyses." Psychological Reports 101, no. 3 (December 2007): 722. http://dx.doi.org/10.2466/pr0.101.3.722-722.

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A scale devised to measure executive personal money management was examined for its factorial structure using 138 college students. On the whole, the factor analysis confirmed the subscale structure of the scale, but the Planning subscale appeared to consist of two distinct components, investment behavior and saving behavior.

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LESTER, DAVID. "THE EXECUTIVE PERSONAL FINANCE SCALE: ITEM ANALYSES." Psychological Reports 101, no. 7 (2007): 722. http://dx.doi.org/10.2466/pr0.101.7.722-722.

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Harmon, Gary P. "Personal Finance and Communication: a Natural Duo." Bulletin of the Association for Business Communication 53, no. 4 (December 1990): 19–20. http://dx.doi.org/10.1177/108056999005300406.

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SPINELLA, MARCELLO, BIJOU YANG, and DAVID LESTER. "DEVELOPMENT OF THE EXECUTIVE PERSONAL FINANCE SCALE." International Journal of Neuroscience 117, no. 3 (January 2007): 301–13. http://dx.doi.org/10.1080/00207450500534043.

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