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 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 Who me Poor written by Gayatri Jayaraman and published by Bloomsbury Publishing. This book was released on 2017-07-18 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: The characteristics and reasons for urban poverty are manifold and seem to repeat across class structures: migration, culture shock, real estate costs and unrealistic expectations of city life, a lack of financial education, corporate cultures that perpetuate stereotypical workforces, a glamourised entrepreneurial culture that focuses on icons of spending instead of struggle, and economically and politically, the rise of the cashless credit economy and the demise of the thrift economy and its conservative icons. The book will use the case studies of young Indians, typically in their first or second jobs, migrants to major Indian metros, living in these conditions. The reasons for the poverty they experience are varied, and influenced by the industries they work for, their family backgrounds, other financial obligations, social stratas, and peer groups. There are so far, no studies available for this in India, and is a rising phenomenon in the US where it has been called 'poverty with no name'. Gayatri's short piece on the Urban Poor crossed 1.1 million views on Buzzfeed - the highest number for any Indian feature article to date.
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 Innovation Driven Business and Sustainability in the Tropics written by Emiel L. Eijdenberg and published by Springer Nature. This book was released on 2023-08-04 with total page 484 pages. Available in PDF, EPUB and Kindle. Book excerpt: The edited volume presents the conference proceedings from the “Sustainability, Economics, Innovation, Globalisation and Operational Psychology Conference 2023” (SEIGOP 2023), organized by the Centre for International Trade and Business in Asia (CITBA) at James Cook University, Singapore. This edited volume places the highly dynamic, but also, jeopardized climatological – geographical region of the Tropics centre stage. The region is developing rapidly, with significant progress being made through the development of innovative technologies. The Tropics represent a region in which people live amid the greatest level of biodiversity anywhere on the planet. Nonetheless, propelled by rapid population growth, the Tropics is a region on the rise, with higher living standards and increased levels of international trade and investment. Densely populated emerging countries like India, Indonesia and Nigeria will be among the largest economies of the world by the end of the century. These upward socioeconomic trends are compromised by the impact of climate change on the Tropics’ biodiversity. Such developments have forced policymakers, businesses, and local communities to search for more sustainable and creative ways to live and work. For these reasons, this edited volume presents theory-driven conceptual, qualitative, quantitative and mixed-methods studies on the impact of innovation-driven businesses on the complex interplay of socio-cultural, economic, and environmental factors in the Tropics.
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 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 Youth Class and Education in Urban India written by David Sancho and published by Routledge. This book was released on 2015-12-22 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: Urban India is undergoing a rapid transformation, which also encompasses the educational sector. Since 1991, this important new market in private English-medium schools, along with an explosion of private coaching centres, has transformed the lives of children and their families, as the attainment of the best education nurtures the aspirations of a growing number of Indian citizens. Set in urban Kerala, the book discusses changing educational landscapes in the South Indian city of Kochi, a local hub for trade, tourism, and cosmopolitan middle-class lifestyles. Based on extensive ethnographic fieldwork, the author examines the way education features as a major way the transformation of the city, and India in general, are experienced and envisaged by upwardly-mobile residents. Schooling is shown to play a major role in urban lifestyles, with increased privatisation representing a response to the educational strategies of a growing and heterogeneous middle class, whose educational choices reflect broader projects of class formation within the context of religious and caste diversity particular to the region. This path-breaking new study of a changing Indian middle class and new relationships with educational institutions contributes to the growing body of work on the experiences and meanings of schooling for youths, their parents, and the wider community and thereby adds a unique, anthropologically informed, perspective to South Asian studies, urban studies and the study of education.
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 Research in Education written by and published by . This book was released on 1974 with total page 1262 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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 Dimensions of Financial Literacy written by Manisha Raj and published by Eliva Press. This book was released on 2022-09-16 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is an extension of the author's PHD work. The broad ideology behind this work is the gap in financial literacy among youth (educated/uneducated) in urban areas. Taking right decisions about investments and savings is a challenge throughout the world and as we see major policy changes in the social security schemes of developing economies, it is mandatory to develop a strong understanding about long term financial planning. In the process of financial planning the financial attitude and financial behavior of the people will play instrumental role. This book highlights the importance of financial literacy and a proper financial plan to diversify investments so that there is a perpetual source of revenue for the present youth during their old age.this research work further dives into the concepts of strong planning with farsightedness which is again based on financial awareness. the youth should be flexible enough in spending for a long span of time. The policy concerns from the government side cannot be disregarded which is again a dynamic area and in a developing country like India it very much depends on the political ideologies of the ruling party. Further empowerment among middle class can only come by having a sound financial background. As the middle class has limited income and diversifying sources of expenditure, the pros and cons of each investment should be strongly vetted to have a secured future. In the recent few years we see that women workforce and participation is increasing hence incentivising women to save can also be an important macro variable to increase savings in the economy which will help central investment processes.
Download or read book The Urban Indian Experience in America written by Donald Lee Fixico and published by UNM Press. This book was released on 2000 with total page 276 pages. Available in PDF, EPUB and Kindle. Book excerpt: As the first ethnohistory of modern urban Indians, this perceptive study looks at Indians from many tribes living in cities throughout the United States. Fixico has had unparalleled access to Native Americans, particularly their contemporary oral tradition. Through firsthand observations, interviews, and conventional historical sources, he has been able to assess the major impact urbanization has had on Indians and see how they have come to terms with both the negative and enriching aspects of living in cities. The result is an insightful and empathetic account of how Indian identity is sustained in cities. Today two-thirds of all Indians live in cities. Many of these urban Indians are third- or fourth-generation city dwellers, the descendants of those who first came to urban areas during the federal government's push for relocation from the late 1940s through the 1960s. Fixico looks at both groups of urban Native Americans--those who first settled in cities some fifty years ago and those who have grown up there in the past thirty years--and finds in their experiences a record of survival and adaptation. Fixico offers a new view of urban Indians, one centered on questions of how their modern identity emerges and perseveres. He shows how the corrosive effects of cultural alienation, alcoholism, poor health services, unemployment, and ghetto housing are slowly being overcome, particularly since the 1970s. After fifty years of urban experiences, Native Americans living in cities are better able today than at any other time to balance tradition and modernity.
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.
Download or read book The Role of Financial Inclusion for Reaching Sustainable Development Goals written by Jungo, João and published by IGI Global. This book was released on 2024-02-12 with total page 346 pages. Available in PDF, EPUB and Kindle. Book excerpt: In today's world, financial inclusion has emerged as a critical tool for fostering inclusive economic growth and achieving sustainable development goals. The Role of Financial Inclusion for Reaching Sustainable Development Goals presents a comprehensive exploration of the subject, offering a vital resource for anyone seeking to grasp the intricacies of this dynamic and evolving field. This book assembles a collection of cutting-edge research on financial inclusion, featuring contributions from diverse contributing authors with expertise in various aspects of finance and economics. The volume is structured to examine the main trends and challenges surrounding financial inclusion, while shedding light on its implications for different economies and societies. From the determinants of financial inclusion to its effects on economic agents, financial institutions, and entire economies, each chapter delves into crucial questions, exploring both the theoretical and empirical aspects of the topic. By examining the challenges and implications of financial inclusion in an international context, this book emerges as a relevant and timely reference for policymakers, academics, and financial professionals alike. This book emphasizes the broader social and political impact of financial inclusion, discussing its correlation with issues such as gender inequality, education expenses, health expenses, access to water and sanitation, environmental inequality, and energy needs.
Download or read book Youth and Skills written by and published by UNESCO. This book was released on 2012-01-01 with total page 480 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Many young people around the world --- especially the disadvantaged --- are leaving school without the skills they need to thrive in society and find decent jobs. As well as thwarting young people's hopes, these education failures are jeopardizing equitable economic growth and social cohesion, and preventing many countries from reaping the potential benefits of their growing youth populations. The 2012 Education for All Global Monitoring Report examines how skills development programmes can be improved to boost young people's opportunities for decent jobs and better lives."--Publisher's description
Download or read book Virtual Learning written by Ravi Inder Singh and published by Taylor & Francis. This book was released on 2022-10-06 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book brings together the research work conducted by renowned academics and practitioners on critical and immensely important issues of virtual learning. It provides innovative ideas and empirical findings on the subject. The sixteen chapters by established and young scholars from all over the country offer strong theoretical and analytical discussion, and examine a wide range of issues confronting the education sector in India in general and the higher education sector in particular. The book seeks to address pertinent issues relating to virtual learning like emerging scenario with respect to required changes in pedagogy used in higher education learning, perceptions of learners about online mode of learning, problems and challenges in virtual learning, paradigm shifts in higher education, designing of new learning strategies for online mode of learning and about the role virtual learning plays in inclusive growth. The scholarly discussion of the book will serve as an excellent vade mecum for readers who want to understand the various dimensions of virtual learning, specifically those that emerged during the Covid-19 Pandemic period, and will provide opportunities to researchers to use it as reference to pursue research in the field of virtual learning.
