Download or read book Financial Literacy Among Working Young in Urban India written by Sobhesh Kumar Agarwalla and published by . This book was released on 2013 with total page 27 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Financial Literacy Among Working Women Need of the Hour written by Dr. Ruchi Jain Dr. Blessy Roy and published by Nitya Publications. This book was released on 2020-01-01 with total page 98 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial Literacy is the combination of having knowledge, skills, and understanding of financial concepts that enable an individual to make smarter financial decisions. A Financial literate is the one who knows how to handle, invest, and save income through the right way that will directly lead to more financially secure consumers and financially secure future for himself and the community.
Download or read book Overcoming the Saving Slump written by Annamaria Lusardi and published by University of Chicago Press. This book was released on 2009-10-15 with total page 406 pages. Available in PDF, EPUB and Kindle. Book excerpt: The great majority of working Americans are unprepared to face the difficult task of planning for retirement. In fact, the personal savings rate has been holding steady at zero for several years, down from 8 percent in the mid-1980s. Overcoming the Saving Slump explores the many challenges facing workers in the transition from a traditional defined benefit pension system to one that requires more individual responsibility, analyzing the considerable impediments to saving and evaluating financial literacy programs devised by employers and the government. Mapping the changing landscape of pensions and the rise of defined contribution plans, Annamaria Lusardi and others investigate new methods for stimulating saving and promoting financial education drawing on the experience of the United States as well as countries that have privatized their welfare systems, including Sweden and Chile. This timely volume pinpoints where human resources departments, the financial industry, and government officials have succeeded—or failed—in bridging the way to a new retirement system. As the workforce ages and more pensions disappear each second, Lusardi’s findings will be invaluable for economists and anyone facing retirement.
Download or read book Financial Literacy and Urban Indian Youth written by Lalit Kode and published by . This book was released on 2015 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Project is a research on the status of Financial Literacy in India. We have looked at the Young Urban Population in India using Primary Data collected with the help of questionnaire. We have observed that income and education levels have high correlation with financial literacy, which leads to participation in financial markets. While Investor Education Programs and instruments like Systematic Investment Plans (SIPs) have been of help to increase involvement of people from lower income groups, much can done to improve the effectiveness of these programs.
Download or read book Financial Inclusion in Emerging Markets written by Ananda S. and published by Springer Nature. This book was released on 2021-10-04 with total page 343 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book discusses ideas for stakeholders to develop strategies to access and use financial products and services such as deposits, loans, and fund transfer mechanism, insurance, payment services, and intermediaries, distribution channels at economical prices in order to cater to the needs of the poor and underprivileged people. Financial inclusion ensures ease of access, availability, and usage of the financial products and services to all the sections of the society. The book will help in recognizing the role of financial inclusion as one of the main drivers in reducing income inequality and thus supporting sustainable economic growth of the countries, especially of an emerging economy. The book provides conceptual and practical ideas from the practitioners, best practices from the experts, and empirical views from the researchers on the best practices and how to mitigate the challenges and issues plaguing the development of the financial inclusion.
Download or read book Research Anthology on Personal Finance and Improving Financial Literacy written by Management Association, Information Resources and published by IGI Global. This book was released on 2020-12-05 with total page 600 pages. Available in PDF, EPUB and Kindle. Book excerpt: Developing personal financial skills and improving financial literacy are fundamental aspects for managing money and propelling a bright financial future. Considering life events and risks that unexpectantly present themselves, especially in the light of recent global events, there is often an uncertainty associated with financial standings in unsettled times. It is important to have personal finance management to prepare for times of crisis, and personal finance is something to be thought about in everyday life. The incorporation of financial literacy for individuals is essential for a decision-making process that could affect their financial future. Having a keen understanding of beneficial and detrimental financial decisions, a plan for personal finances, and personalized goals are baselines for money management that will create stability and prosperity. In a world that is rapidly digitalized, there are new tools and technologies that have entered the sphere of finance as well that should be integrated into the conversation. The latest methods and models for improving financial literacy along with critical information on budgeting, saving, and managing spending are essential topics in today’s world. The Research Anthology on Personal Finance and Improving Financial Literacy provides readers with the latest research and developments in how to improve, understand, and utilize personal finance methodologies or services and obtain critical financial literacy. The chapters within this essential reference work will cover personal finance technologies, banking, investing, budgeting, saving, and the best practices and techniques for optimal money management. This book is ideally designed for business managers, financial consultants, entrepreneurs, auditors, economists, accountants, academicians, researchers, and students seeking current research on modern advancements and recent findings in personal finance.
Download or read book Financial Literacy and Financial Education written by Beata Świecka and published by Walter de Gruyter GmbH & Co KG. This book was released on 2019-03-18 with total page 122 pages. Available in PDF, EPUB and Kindle. Book excerpt: It is a well-known saying that money does not buy happiness. But it certainly helps in life. It is important to have enough of it to satisfy our needs and to secure ourselves from emergency situations. That's what adults think. And what about the youth? What is their approach to money, what do they know about finances and how are their skills in everyday financial management coming along? What kind of knowledge and skills should be provided? Do young people in different countries represent similar or different approaches to financial matters? Using the results of a research on young people in Poland and Germany, the authors draw a picture of financial literacy. They furthermore present a number of recommendations that help developing the knowledge and the financial skills of young people in practice.
Download or read book The Routledge Handbook of Financial Literacy written by Gianni Nicolini and published by Taylor & Francis. This book was released on 2021-12-30 with total page 561 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial literacy and financial education are not new topics, even though interest in these topics among policymakers, financial authorities, and academics continues to grow. The Routledge Handbook of Financial Literacy provides a comprehensive reference work that addresses both research perspectives and practical applications to financial education. This is the first volume to summarize the milestones of research in financial literacy from multiple perspectives to offer an overview. The book is organized into six parts. The first three parts provide a conceptual framework, which discusses what financial literacy is, how it should be measured, and explains why it represents a relevant topic and effective tool in enhancing decision-making among consumers as well as consumer protection strategies. Part IV addresses the connection between financial education and financial literacy, with chapters about financial education in school settings as well as for adults. This part includes an analysis of the role of Fintech and the use of gamification in financial education. Part V is a collection of contributions that analyze financial literacy and financial education around the world, with a focus on geographical areas including the U.S., South America, Western Europe, Eastern Europe, Asia, and Africa. This part also considers how financial literacy should be addressed in the case of Islamic finance. The concluding part of the book examines how financial literacy is related to other possible approaches to consumer finance and consumer protection, addressing the relationships between financial literacy and behavioral economics, financial well-being, and financial inclusion. This volume is an indispensable reference for scholars who are new to the topic, including undergraduate and graduate students, and for experienced researchers who wish to enrich their knowledge, policymakers seeking a broader understanding and an international perspective, and practitioners who seek knowledge of best practices as well as innovative approaches.
Download or read book FINANCIAL ECONOMICS AND SUSTAINABILITY ISSUES IN INDIA written by Dr. Vaibhav and published by Horizon Books ( A Division of Ignited Minds Edutech P Ltd). This book was released on 2016-05-01 with total page 172 pages. Available in PDF, EPUB and Kindle. Book excerpt: The scientific breakthrough in financial modeling was shaped by an extraordinary flow of financial innovation that coincided with revolutionary changes in the world financial market and institutions. As the global financial market is integrated, financial modeling has become more complex in this uncertain environment, requiring higher analytical expertise. In such situation, the term Financial Economics emerged into fashion.
Download or read book Individual Behaviors and Technologies for Financial Innovations written by Wesley Mendes-Da-Silva and published by Springer. This book was released on 2018-07-26 with total page 395 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book offers comprehensive examination of research on the relevance of individual behavior and technology to financial innovations. The chapters cover current topics in finance including integrated reporting, people finance, crowdfunding, and corporate networks. It provides readers with an organized starting point to explore individual behaviors and new technologies used in financial innovations. The explicit and growing speed of the spread of new technologies has hastened the emergence of innovation in the field of finance. Topics like the Internet of Things, semantic computing and big data finance are motivating the construction of financial tools that translate into new financial mechanisms. This book strives help readers better understand the dynamic of the changes in financial systems and the proliferation of financial products. Individual Behaviors and Technologies for Financial Innovations is organized in 16 chapters, organized in three parts. Part I has eight chapters that review the research on gender differences in attitudes about risk and propensity to purchase automobile insurance, financial literacy models for college students, wellness and attitude of university students in the use of credit cards, impact of programs income distribution and propensity to remain in employment, financial literacy and propensity to resort to informal financing channels, risk behavior in the use of credit cards by students. Part II reviews the research on financing for startups and SMEs, exploring funding through crowdfunding platform, operating credit unions, and using networks of friends to finance small businesses outside the domestic market. The four chapters of Part III describe contexts of financial innovation in listed companies, including society's demands on their behavior - we discuss motivations for companies to participate in corporate sustainability indexes, corporate performance through their profile of socially responsible investments, influence of networks of social relations in the formation of boards, and management of companies, and also the precariousness of financial decisions in large companies, as well as the role of the internet in corporate communication with the market.
Download or read book Advances in Emerging Financial Technology and Digital Money written by Yassine Maleh and published by CRC Press. This book was released on 2024-03-29 with total page 409 pages. Available in PDF, EPUB and Kindle. Book excerpt: The financial sector is witnessing rapid technological innovations, leading to the emergence of Fintech (financial technologies), revolutionizing national and international financial landscapes. Fintech is expanding and enhancing financial products and services, making them more accessible and affordable while transforming customer relationships, payment methods, financing, and transfers. Advances in Emerging Financial Technology and Digital Money provides a platform for collective reflection, bringing together institutions, policymakers, digital and financial service providers, professionals, and academics from various disciplines. The aim is to clarify the challenges, opportunities, and socio-economic impacts of innovations in finance and technology on citizens and businesses in Morocco, Africa, and worldwide. This comprehensive collection offers valuable insights into the current state and prospects of financial technology and digital money. This book covers all the essential topics, including: AI and Machine Learning in Fintech and Beyond Financial Inclusion, Literacy, and Behavior Fintech Ecosystems, Collaboration, and Analysis Blockchain, Security, and Sustainability Fintech Innovations and Applications In this new book, the authors share their experiences to provide a comprehensive and well‐researched overview of the technologies and concepts that will transform the banking industry as we know it. It aspires to be a useful reference for executive managers, CIOs, Fintech professionals, and researchers interested in exploring and implementing an efficient Fintech strategy. The book also presents selected papers from International Fintech Congress (IFC 2022).
Download or read book A Study on Assessing the Financial Literacy Among Employed Individuals in India written by Susana D and published by . This book was released on 2020 with total page 18 pages. Available in PDF, EPUB and Kindle. Book excerpt: Financial literacy is the basic knowledge that people need to survive in the modern society (Kim, 2001). Financial literacy is defined as a combination of awareness, knowledge, skill, attitude and behavior necessary to make sound financial decisions and ultimately achieve individual financial well-being (Organization for Economic Co-operation and Development (OECD)). Financial literacy of an individual is a gamut of his abilities and competencies that enables the individuals to respond effectively to the ever-changing personal and economic circumstances, yet is subject to alterations throughout the life cycle of the individual. The purpose of this study is to understand the financial literacy among the employed individuals in India, which is one of the fastest emerging economy in the world. The study is conducted among employed individuals across three major cities using a structured questionnaire. Even though the financial literacy studies have been conducted in few states in India, this study would be original in capturing the literacy level in geographical purview covering the key cities in India. The findings on the financial literacy among employed individuals would benefit the policy makers, financial institutions to take suitable measures and to build regulatory frameworks to improve the delivery of financial services which would ultimately result in overall well-being of the individuals, families and communities.
Download or read book ICIFEB 2022 written by Titi Dewi Warninda and published by European Alliance for Innovation. This book was released on 2023-04-13 with total page 372 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book constitutes the thoroughly refereed proceedings of the 3rd International Conference on Islamic Finance and Business (ICIFEB), held online in Jakarta, Indonesia, in July 19-20 2022. The 29 full papers presented were carefully reviewed and selected from 72 submissions. The papers reflect the conference main and sub-themes namely: Islamic business, Islamic finance, corporate social and environmental sustainability, digital business, marketing and investment.
Download or read book Handbook of Consumer Finance Research written by Jing Jian Xiao and published by Springer. This book was released on 2016-05-30 with total page 379 pages. Available in PDF, EPUB and Kindle. Book excerpt: This second edition of the authoritative resource summarizes the state of consumer finance research across disciplines for expert findings on—and strategies for enhancing—consumers’ economic health. New and revised chapters offer current research insights into familiar concepts (retirement saving, bankruptcy, marriage and finance) as well as the latest findings in emerging areas, including healthcare costs, online shopping, financial therapy, and the neuroscience behind buyer behavior. The expanded coverage also reviews economic challenges of diverse populations such as ethnic groups, youth, older adults, and entrepreneurs, reflecting the ubiquity of monetary issues and concerns. Underlying all chapters is the increasing importance of financial literacy training and other large-scale interventions in an era of economic transition. Among the topics covered: Consumer financial capability and well-being. Advancing financial literacy education using a framework for evaluation. Financial coaching: defining an emerging field. Consumer finance of low-income families. Financial parenting: promoting financial self-reliance of young consumers. Financial sustainability and personal finance education. Accessibly written for researchers and practitioners, this Second Edition of the Handbook of Consumer Finance Research will interest professionals involved in improving consumers’ fiscal competence. It also makes a worthwhile text for graduate and advanced undergraduate courses in economics, family and consumer studies, and related fields.
Download or read book Financial Literacy Among Rural Areas of North India written by Harish Kumar Banga and published by GRIN Verlag. This book was released on 2020-11-25 with total page 25 pages. Available in PDF, EPUB and Kindle. Book excerpt: Case Study from the year 2020 in the subject Business economics - Business Management, Corporate Governance, , language: English, abstract: This study analyzed the main differences in Financial literacy across different districts of Himachal Pradesh. The purpose was to understand Importance of financial Literacy among people of rural areas and to identify the differences in financial literacy based on the gender of rural areas. A questionnaire was designed including some financial knowledge-seeking questions. Descriptive analysis and one-way ANOVA were performed to identify the main factors for both genders.The researcher has considered in Himachal Pradesh as an area of study and that too in rural province of the area. It was observed in the process of study that nevertheless how much a female is educated or expert in financial matters they have to look forward to male members of the family for approving their decision regarding financial matters.
Download or read book Dynamic Perspectives on Globalization and Sustainable Business in Asia written by Ordoñez de Pablos, Patricia and published by IGI Global. This book was released on 2018-10-26 with total page 411 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the increasingly turbulent political climate, there has been growing interest in economic and international relations with Asia. Understanding the business practices in countries of this region, particularly uncertainties, risks, and opportunities associated with doing business in Asia, will be key for competing in a global economy. Dynamic Perspectives on Globalization and Sustainable Business in Asia provides perspectives on the challenges and opportunities of business growth in Asia with strategic insights on knowledge production, innovation, and disruptive technologies. Featuring coverage on a broad range of topics such as consumer behavior, financial literacy, and value perception, this book is ideally designed for academicians, researchers, government officials, policymakers, and practitioners seeking current research on the development of networks to support competitive advantage in the global economy and viable enterprises.
Download or read book Creating Value and Improving Financial Performance written by Paul Wachtel and published by Springer Nature. This book was released on 2023-03-21 with total page 293 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book discusses the transformation of the banking industry, particularly after a number of recent shocks: 2008 financial crisis, 2012 Euro-sovereign crisis, the pandemic COVID-19 crisis, the technological revolution, and reputational problems in banking due to climate risk and ESG (Environmental, Social and Governance) metrics. The book emphasizes two post-pandemic issues: the role of financial education and inclusive finance, and responsible banking and ESG priorities. Individual chapters analyse how the pandemic shed new light on social and governance responsibilities: Major issues include the importance and efficiency of financial education, and the impact of ESG programs on firms’ value, banks’ probability of default, bank business models and reputation risk. The book also addresses investors’ behaviour and the factors which may bias financial disclosure and reporting. By addressing whether the post-2008 crisis bank restructuring has effectively created a resilient and sustainable banking system – mostly from the European market’s perspective – the book will be of interest to researchers, academics, policy makers, and professionals of banking and financial institutions.
