scholarly journals The effects of higher education and financial literacy to pro-environmental behavior in women community

2020 ◽  
Vol 211 ◽  
pp. 01002
Author(s):  
Donna Asteria ◽  
Habibulah Adi Negoro ◽  
Dyah Utari
Keyword(s):  
Higher Education ◽  
Environmental Management ◽  
Waste Management ◽  
Financial Literacy ◽  
Urban Areas ◽  
Formal Education ◽  
Environmental Behavior ◽  
Financial Education ◽  
Primary Data ◽  
Essential Information

It is assumed that efforts to overcome environmental problems in urban areas can be overcome through education. The education provided to women will increase women’s contributions as strategic actors in environmental management. This study aimed to determine the effect of formal education and financial education on women on pro-environmental behavior. The research was conducted with a quantitative approach, with a survey by questionnaire to measure pro-environmental education and behavior based on women’s participation in waste management training. The primary data collection with purposive sampling to women population in Jagakarsa District, South Jakarta, Indonesia, where fair women who were recorded in essential information collection. The study has been driven on a person-level (not family level), with a total of 400 respondents. The findings in this study are that there is a significant relationship between formal education in higher education and women’s involvement in environmental management. Meanwhile, the relationship between financial literacy and environmental concerns shows insignificant results. The implication of this research is to provide alternative strategies to increase the involvement of women in urban areas in environmental management, especially waste management, through policies of equal access to higher education and equal opportunities in economic activities to improve their welfare.

scholarly journals Environmental Management and Higher Education: Are they Closely Related?

2020 ◽  
Vol 1 (6) ◽  
pp. 15-24
Author(s):  
Dorothy Thompson ◽  
Nsikak-Abasi A. Etim ◽  
NseAbasi Etim
Keyword(s):  
Higher Education ◽  
Environmental Management ◽  
Formal Education ◽  
Management Practices ◽  
Tertiary Education ◽  
Percent Level ◽  
Sampling Procedure ◽  
Primary Data ◽  
Probit Regression ◽  
The Poor

An empirical study was conducted to determine the relationship between higher education and environmental management. Through the multi-stage sampling procedure, the representative sample of 180 respondents were selected for the study. Primary data were obtained with the aid of questionnaire. Data were subjected to univariate probit regression analysis. Results revealed a positive relationship between environmental management and higher education. Findings showed that tertiary education was significant at one percent level suggesting that people who have acquired higher education were more likely to adopt and apply environmental management practices and techniques. Findings further revealed that the variable, no formal education, was negative and significant (P<0.05) indicating that persons without formal education were less likely to imbibe environmental management measures. Supportive policies and institutions which provide access to training and information (awareness and media sensitization) that will expand the opportunities of the poor to invest in environmental improvements are required. Policies to promote sound environmental management and protect the environmental assets through higher education would be a rational decision. The poor with low education must be seen first as part of the solution rather than part of the problem.

Factors Affecting Financial Literacy of Vietnamese Adults: A Case Study for Hanoi and Nghe An

2017 ◽  
Vol 33 (2) ◽  
Author(s):  
Tue Nguyen Dang
Keyword(s):  
Higher Education ◽  
Multiple Regression ◽  
Financial Literacy ◽  
Urban Areas ◽  
Logistic Models ◽  
Factors Affecting ◽  
Financial Behaviors ◽  
Financial Decisions ◽  
Literacy Level

This research examines the factors affecting the financial literacy of Vietnamese adults. Using a sample of 266 observations of adults in 2 big cities in Vietnam (Hanoi and Vinh in Nghe An Province), the author evaluates the literacy level of adults in these urban areas. The financial literacy of the interviewed people is low. The multiple regression results show that lower financial literacy levels associate with higher age and married status and higher financial literacy levels associate with higher education, more family members, the person making financial decisions and the person attending a useful financial course. This research also explores the association between financial literacy and financial behaviors of individuals employing logistic models. It is found that higher financial literacy associates with less probability of overspending and higher probability of saving money and careful spending. Higher financial literacy is also found to associate with higher probability of opening a savings account and making various investments. 

scholarly journals Devotionalism in Diversity: The Islamic Paradigm in Multiculturalism in Langsa-Aceh Indonesia

2019 ◽  
Vol 3 (2) ◽  
pp. 112
Author(s):  
Iqbal Ibrahim
Keyword(s):  
Higher Education ◽  
Urban Areas ◽  
Kappa Coefficient ◽  
Islamic Education ◽  
Primary Data ◽  
Religious Leaders ◽  
Muslim Students ◽  
Mathematical Equations ◽  
Depth Interviews ◽  
Level Of Agreement

This article is the result of a study that discusses the paradigm of Langsa Aceh scholars (Islamic scholars) to overcome multiculturalism. This study also reveals the consistency of the agreement of Islamic scholars regarding exclusivity and inclusiveness; prevent the emergence of radicalism in the Islamic community, especially the urban areas of Langsa in Aceh. It discusses the phenomenon of recent recruitment by "brainwashing" in younger students because they filled with certain radicalistic ideologies. The teachings of Islamic education are more about claiming the truth of the religion itself and consider religion as the only one to achieve salvation (emphasizing claims of self-truth and safety). This research is qualitative with a descriptive-analytical application. Primary data obtained from in-depth interviews with sources of religious leaders, lecturers of Islamic Higher Education, teachers, non-Muslim students, and community elements. Reliability of piety in diversity and the paradigm of multiculturalism converted to statistical equations. Mathematical equations applied to the Cohen Kappa coefficient (a measure of authenticity) and measured between exclusivity and inclusiveness with the claims of self-righteousness and the safety paradigm of Islamic scholars. The level of agreement between the instruments assessed illustrates the reliability between assessors -IRR- the results of the informant's interview level of consensus are identified between the safety of the results of the consistency of the contract between piety and exclusivity, because self-claims show "lack" (kappa, 0.20-0.41) , while the agreement between service and safety is "very good" (kappa 0.81-0.90). With inter-assessor reliability, K = 0.89 with an extraordinary category.

The Argument for Teaching Financial Literacy at Higher-Education Institutions

2016 ◽  
Vol 43 (3) ◽  
pp. 349-365 ◽  
Author(s):  
SHERI GEDDES ◽  
TODD STEEN
Keyword(s):  
Higher Education ◽  
Postsecondary Education ◽  
Financial Literacy ◽  
Higher Education Institutions ◽  
Financial Education ◽  
Well Being ◽  
Academic Programs ◽  
Human Flourishing ◽  
Substantial Impact ◽  
Financial Decisions

ABSTRACT Evidence suggests that financial decisions have a substantial impact on human flourishing. This paper examines the arguments for higher-education institutions to take a role in the provision of financial education for their students, families and alumni, who often incur substantial debt and make other sacrifices to obtain a postsecondary education. It also analyzes the current state of financial education at 322 higher-education institutions. While many postsecondary institutions have embraced some aspects of financial education, other higher-education institutions appear reluctant to infuse this multidisciplinary topic into their academic programs. Colleges and universities should consider developing robust programs that boost financial literacy and improve lifelong economic well-being.

Are business students more financially literate? Evidence of differences in financial literacy amongst Portuguese college students

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Paulo Duarte ◽  
Susana Silva ◽  
Wilian Ramalho Feitosa ◽  
Rui Sebastião
Keyword(s):  
Higher Education ◽  
College Students ◽  
Financial Literacy ◽  
Positive Impact ◽  
Business Students ◽  
Financial Education ◽  
Educational Interventions ◽  
Online Questionnaire ◽  
Content Type ◽  
The Impact

Purpose Considering the importance of financial literacy (FL) in people’s lives the goal of this study aims to assess the level of FL of young Portuguese students, addressing the impact of the level of education on the FL of college students. Design/methodology/approach Data from a non-probabilistic sample of 185 students attending higher education bachelor’s and master’s degrees courses in Economics, Management and Marketing was collected between February 25 and March 23, 2019, using an online questionnaire. Descriptive and inferential statistics were computed using IBM SPSS 25 to analyze the data. Findings The findings show that the level of the degree (bachelor’s or master’s degree) and the academic background of the individual’s parents have a positive impact on FL. Moreover, among individuals with a high level of FL, gender and professional situation are additional predictors. Furthermore, the authors observed that the level of FL of Portuguese students attending higher education is overall low, especially in terms of their knowledge of the main financial concepts, which may call for public policies to be implemented so that to reduce this vulnerability. Research limitations/implications Among limitations is the limited sample collected, restricted to a particular target, Portuguese students attending business-related courses such as Economics, Management and Marketing, either studying for a master’s or bachelor’s degree. This issue restricts the generalization of the overall findings to other students studying different fields. Future studies can collect a random and representative sample. Practical implications This study test can be replicated to generate a diagnosis in any region or country, identifying how financially literate the region under analysis is. Also, this can be done to verify the evolution of FL after educational interventions. Social implications FL is an important competence. In fact, youngsters in the whole world have been suffering from a lack of financial knowledge (FK), and some characteristics of them can push them into indebtedness, and, even bankruptcy, such as a higher level of status consumption, the tendency to have an attitude of self-appraisal, to be self-centered, to seek instant gratification. This study helps to lead to a better understanding of this phenomenon. Originality/value Addressing college students attending different levels is an add-on to the existing body of literature. This paper contributes to study differences in FL between college and master students, enlightening and evaluating the role of scholarship maturity on financial education. Furthermore, some of the findings challenge the extant knowledge regarding the influence of professional experience, gender and age on the level of FK that students have. Finally, the current approach is innovative as it addresses FK, FL and numeracy in the same study.

scholarly journals Atribut Penilaian Keberlanjutan Pengelolaan Lingkungan Rumah Sakit Menuju Green Hospital di Indonesia

2020 ◽  
Vol 19 (1) ◽  
pp. 51
Author(s):  
Sutanto Sutanto ◽  
Eka Intan Kumala Putri ◽  
Bambang Pramudya ◽  
Suyud Warno Utomo
Keyword(s):  
Environmental Management ◽  
Waste Management ◽  
Environmental Health ◽  
Disaster Mitigation ◽  
Hospital Environment ◽  
Primary Data ◽  
Social Technology ◽  
Treatment Technology ◽  
Mitigation And Adaptation ◽  
Six Dimensions

Latar belakang: Pengelolaan lingkungan rumah sakit (RS) secara berkelanjutan menjadi sangat penting dalam rangka meminimalisasi konstribusi negatif terhadap pemanasan global. Tujuan penelitian ini adalah 1) menyusun atribut green hospital di Indonesia, dan 2) menganalisis status keberlanjutan pengelolaan lingkungan RS di Indonesia.Metode: Penelitian ini menggunakan dua pendekatan yakni pendekatan kualitatif dan kuantitatif. Jenis data yang dikumpulkan merupakan jenis data primer dan data sekunder. Metode pengumpulan data terdiri atasstudi pustaka, survei, wawancara mendalam, dan pendapat pakar. Metode analisis data yang digunakan adalah analisis deskriptif dan inferensial dengan pendekatan Multidimensional Scalling (MDS) Rap GreenHospital.Hasil: Hasil analisis diperoleh, atribut green hospital RS di Indonesia terdiri dari enam dimensi yakni dimensi ekologi, ekonomi, sosial, teknologi, kesehatan lingkungan dan kelembagaan. Keenam dimensi tersebut terdiri dari 42 atribut dan 151 sub atribut. Status keberlanjutan pengelolaan lingkungan RS dalam kategori cukup berkelanjutan (yellow hospital) dengan skor 71.233%. Faktor pengungkit keberlanjutan pengelolaan lingkungan RS meliputi: a) Pengelolaan limbah non medis; b) Pengelolaan limbah B3; c) Lingkungan dalam bangunan; d) Lingkungan Luar bangunan; e) Mitigasi dan adaptasi bencana; f) Sumber dana; g) Kinerja anggaran; h) Budaya ramah lingkungan;i) pengembangan partisipasi masyarakat; j) Tingkat kepuasan; k) Teknologi konservasi energi;l) Teknologi pengolahan limbah padat, cair dan gas; m) Infeksi nosokomial;n) Fasilitas sanitasi; o) Promosi kesehatan, p) Kepemimpinan; q) Sumberdaya manusia; dan r) Dokumen lingkungan.Simpulan: Atribut green hospital rumah sakit di Indonesia terdiri atas enam dimensi yakni dimensi ekologi, ekonomi, sosial, teknologi, kesehatan lingkungan dan kelembagaan. Keenam dimensi tersebut terbagi dalam 42 atribut dan 151 sub atribut. ABSTRACTTitle: Attribute Assessment of the Sustainability of Hospital Environmental Management Towards Green Hospital in IndonesiaBackground: Sustainable management of the hospital environment is very important in order to minimize the negative contribution to global warming. The purpose of this study is 1) to compile the attributes of green hospitals in Indonesia, and 2) to analyze the sustainability status of hospital environmental management in Indonesia.Methods: This study uses two approaches namely qualitative and quantitative approaches. The type of data collected is a type of primary data and secondary data. Data collection methods consist of study literature, surveys, in-depth interviews, and expert judgment. The data analysis method used is descriptive and inferential analysis with the Multidimensional Scaling (MDS) Rap Green Hospitalapproach.Results: The analysis results obtained, the attributes of green hospital hospitals in Indonesia consist of six dimensions namely the dimensions of ecology, economics, social, technology, environmental health and institutional. The six dimensions consist of 42 attributes and 151 sub attributes. Status of environmental management of hospitals in the category of sustainable enough (yellow hospital) with a score of 71,233%. Factors for the sustainability of hospital environmental management include: a) Non-medical waste management; b) Hazardous Poison Materials waste management; c) The environment in the building; d) Outside environment of buildings; e) Disaster mitigation and adaptation; f) Sources of funds; g) Budget performance; h) green culture; i) development of community participation; j) Level of satisfaction; k) Energy conservation technology; l) Solid, liquid and gas waste treatment technology; m) Nosocomial infections; n) Sanitation facilities; o) Health promotion, p) Leadership; q) Human resources; and r) Environmental documents.Conclusion:The attributes of green hospital in Indonesia consist of six dimensions, are ecology, economic, social, technology, environmental health, and institutional. The six dimensions are divided into 42 attributes and 151 sub attributes.

scholarly journals Developing financial competence about mortgage loans by informal learning using banks’ online calculators

2019 ◽  
Vol 11 (1) ◽  
Author(s):  
Bärbel Fürstenau ◽  
Mandy Hommel
Keyword(s):  
Informal Learning ◽  
Prior Knowledge ◽  
Financial Literacy ◽  
Formal Education ◽  
Self Regulation ◽  
Financial Education ◽  
Mortgage Loan ◽  
The Internet ◽  
Control Group ◽  
Mortgage Loans

Abstract Background and aim Financial literacy (or financial competence) has become an internationally relevant and highly regarded topic. Since people often lack sufficient financial competence, in many countries efforts have been made to foster formal financial education. Less attention, however, has been paid to whether informal learning using information available on the Internet can also support the development of financial competence. However, this seems to be an important question because the Internet has expanded the opportunities for informal learning. In addition, people need to acquire financial competence on their own because not every financial topic relevant in one’s lifetime is covered in formal education syllabi. Against this background, in this study we tested whether people are able to develop financial competence by learning informally using information available on the Internet. We focused on mortgage loans, as they are comparatively complex financial products. Mortgage loans have the potential to significantly influence an individual’s financial situation. In addition, society might carry the burdens of risky and uninformed decisions about mortgage loans—as the financial and real estate crisis has shown. Method 45 students of economics and business studies in their final undergraduate year participated. They were randomly assigned to an experimental or a control group. The experimental group explored information about mortgage loans using the loan calculator of a German bank. The control group did not explore webpages. Before the intervention, students from both groups completed knowledge tests and self-assessed their financial knowledge and behaviour. After the intervention, students had to work on a case and to decide whether a small family should take out a mortgage loan for financing a house. The decision had to be justified. In addition, students were administered an immediate and delayed knowledge test. Results and conclusions Students of both groups did not differ in knowledge acquisition, decision making about taking a mortgage loan and argumentation quality. However, prior knowledge can be referred to in order to explain the results. Therefore, informal learning using the Internet did not seem to be effective if people did not have sufficient prior knowledge. This result underlines, on the one hand, the necessity of financial education—be it prior to informal learning or in the course of informal learning. On the other hand, the results can be interpreted as a hint to consider how to improve informal learning activities, e.g. by supporting self-regulation or by improving information material.

scholarly journals What Determines Employment in the Formal and Informal Sectors of Pakistan? Primary Data Insights from Lahore

2019 ◽  
pp. 109-130
Author(s):  
Muhammad Ayyoub ◽  
Durdana Qaiser Gillani
Keyword(s):  
Higher Education ◽  
Skill Acquisition ◽  
Urban Areas ◽  
Educational Background ◽  
Growth Potential ◽  
Policy Framework ◽  
Primary Data ◽  
Formal Sector ◽  
The Government ◽  
Formal And Informal Sectors

In developing countries, despite the fact that a larger part of GDP is generated by the formal sector, most people earn and spend their lives in the informal sector. We identify the determinants of formal and informal sectors’ employment in the urban areas of district Lahore, by conducting a household survey in 2015. The multinomial logit model is used to analyze the data obtained from a sample of 309 workers. Our results indicate that personal, socio-economic and household factors are essential for regulating employment in both sectors. Furthermore, our findings provide evidence that employment in the sectors in question is significantly determined by the level of higher education, age, working experience of individuals, marital status, sound educational background of the parents of workers, the number of dependents and the presence of assets. The study also provides the policy framework to channelize employment opportunities in the urban labor market and advises the government to enhance the growth potential of workers by expediting the provision of higher education and other skill acquisition initiatives.

scholarly journals Rural-Urban Financial Literacy Divide in India: A Comparative Study of Kerala and Uttar Pradesh

2021 ◽  
pp. 14-24
Author(s):  
N. P. Abdul Azeez ◽  
M. Nasira Banu
Keyword(s):  
Rural Areas ◽  
Financial Literacy ◽  
Financial Services ◽  
Formal Education ◽  
Uttar Pradesh ◽  
Sampling Technique ◽  
Primary Data ◽  
Rural People ◽  
Multi Stage ◽  
Financial Decision

One of the significant competencies required in the contemporary scenario is an awareness or knowledge of varied financial affairs and the skill to handle matters apropos of finance. The dearth of financial literacy precludes rural people from the country's formal financial system and created a rural-urban financial divide, especially in the digitalized era. Effective incorporation of financial literacy in formal education will lead to greater access to financial services. This paper tries to find the rural-urban financial literacy divide based on the primary data collected from two states of India, namely Kerala and Uttar Pradesh. A total of 400 samples respondents were taken by using the multi-stage sampling technique. A comprehensive approach for measuring financial literacy is developed by constructing the Financial Literacy Index (FLI), which comprises financial knowledge, financial behaviour, and financial attitude. The results concluded with the rural-urban financial literacy divide findings as the financial literacy in rural areas is consistently lower than in urban. The results expose the need for a persistent and prolonged intervention from all the stakeholders, including policymakers, to enhance and sustain financial literacy to accomplish a bright financial decision making by the rural people.

scholarly journals SAVINGS MOBILIZATION ON POVERTY ALLEVIATION AMONG PERI-URBAN HOUSEHOLDS IN KWALI AND BWARI AREA COUNCILS F.C.T ABUJA, NIGERIA

2021 ◽  
Vol 21 (4) ◽  
pp. 293-300
Author(s):  
Juliana Ojochide Olori ◽  
Ogechi Cordelia Nwahia ◽  
Franҫois Siėwė
Keyword(s):  
Urban Areas ◽  
Poverty Alleviation ◽  
Formal Education ◽  
Farm Size ◽  
Primary Data ◽  
Small Scale ◽  
Economic Activities ◽  
Cross Sectional ◽  
Urban Households ◽  
Poverty Status

Savings is increasingly being acknowledged as a powerful tool for poverty alleviation but the peri- -urban households who are mostly, low cadre workers, peasant farmers and small-scale business owners lacks savings services. This study analyzed savings mobilization on poverty alleviation among peri-urban households in Kwali and Bwari Area Councils Abuja. Cross-sectional primary data was used in this study. The data was collected with the aid of a well-structured questionnaire administered to 185 peri-urban farming households. Descriptive statistics (mean, frequency and percentage), Foster Greer Thorbecke index and ordered logit regression were used to analyze the collected data. The results that emanated from the analysis reveals that 98% of respondents are within the economic active age while 82% of them had formal education and average household size of 4 person. About 93% of households saved in one form or the other. About 51% of the respondent are non-poor while 49% are poor based on analysis of poverty status which revealed poverty incidence of 49%, poverty depth of 28% and poverty severity of 56%. The results further reveals that primary occupation and education reduces the likelihood of not being poor, but there is an increment in the likelihood of being very poor while farm size, savings, access to credit and income generated from secondary activities increases the probability of being non-poor, but reduces the probability of being very poor. Therefore, households should be encouraged by Governmental agencies to engage in secondary economic activities for multiple stream of income to improve on their poverty status. In addition, government should facilitate the establishment of Financial Institutions in the Peri- Urban areas to inculcate saving habit among the people.

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